I discovered that our mortgage payment had been received by BofA, but not applied to the payment, which was showing as past due. I say discovered because I stumbled onto the information while looking into a payoff for our auto loan. No one had contacted us 19 days into the event.
I spent more than 45 minutes trying to find a human who could assist with the problem. I ended up with a human who might as well have been automated. After answering the 20 questions, he revealed that he was collections and could not help me. There is NO CUSTOMER SERVICE ON WEEKENDS!!! Really? The people who work in order to pay our debts are typically in need of customer support on weekends.
The problem was that the bank erroneously filed my early payment as a principal payment rather than applying to the next payment (by early, I mean on the 30th rather than the 1st). They charged a late fee and then refused to apply our payment because we had not paid the late fee.
Had there been a person to help me on Saturday, I would have chalked it up to error. After 45 minutes of growing increasingly frustrated, I have joined the ranks of customers who are fed up with BofA.
Bunch of frauds. I put my cash on checking account. I want to by a house on it. On next day they disappeared. They hold it with out any explanation and reason. Nobody can expalin nothing. And staff talking with you and asking a questions in the way like it is you who have stole from them not them from you!
I recently had an issue with a creditor withdrawing unauthorized funds. I used the online chat was helped through the process of applying for a new debit card to ensure no further drafts were taken out and then given the claim number to get the money back. The person i chatted with waived the $5 fee for a new debit card and sent it right away and was helpful and personable the whole time.
The person i spoke with about the claim was very helpful and efficient. I have dealt with two banks before and by far this was the easiest claim i have ever made. The money will be in my account tomorrow which is wonderful for someone living paycheck to paycheck!! The level of professionalism and empathy i have received during this and other transactions have made me a customer for life.