MyBankTracker rated Bank of America based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank.
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.
After waiting in line 20 minutes, I was finally called over to the counter to make a deposit. The teller's name is Melissa and she was extremely rude. When I handed the deposit to her she pushed it back at me and told me to sort the money. I was confused and shocked! I said " isn't that your job?" She said no and proceeded to fold her arms and stare me down, waiting for me to sort the money. I refused so she said she couldn't help me and moved on to the next customer.
I am not one to complain and I typically try to avoid all confrontation. I have only had pleasant experiences at this bank in the past. I have never been told to sort out the money or had anyone ever flat out refuse to help me. As I understand it is not the banks policy to require customers to sort their own deposits. Maybe she was having a bad day but that is no way to treat people