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.
From October 2012 to March 2013, Bank of America would have many excuses not to process my payment for my credit card bill. I would call customer service to pay part of that bill. I gave them my personal checking account number , (located on the front of my checks.). the next following month, I checked my bank statement and no payment was made to Bank of America. I called Bank of America to find out why the amount was not applied on my account. The customer service rep. told me that i gave them the wrong number on the check. I asked them that they should have call, e-mail, or text me of this problem. (COME ON), I think that I can read numbers on the bottom of a check, (Routing numbers). so I gave them the complete routing numbers again. And again the same thing happened again. This went on for at least 5 months. Finally I was able to pay, (IN FULL), the whole amount. now I have a bad credit mark on my credit score and they will not take them off because they show their records as accurate. Maybe this is a way to make extra money from late fees.
I have always enjoyed doing business with bank of America. They are always able to give me quick and accurate info regarding my accounts. The ATM is also my favorite thing about this bank. I rarely ever have to go into the bank, the atm can do everything. I have been doing business with them since 2010 and plan on doing business with them for another 10 years.