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.
I called in because I made a deposit at the 2305 East Cesar E Chavez Avenue, Los Angeles, CA 90033, to make at deposit before my the day had ended, which the following day I still got a fee, there are no signs posted that you must make it before 8pm any where on that atm (Which I still have pictures of on my phone). So I called in to get it taken off of my account, both people refuse, because it applied correctly according to them. Both were extremely rude, and talked over me, just seemed like they didn't care at all, The Manager would not address my concerns at all, all he did was point be back to the terms of my account, which I pointed out to him the technology did not exist when I opened the account so they were not in my terms. he just still refused and said there online, like anyone has time to go look at every page of the online website, he did not once show any empathy and sounded like he was just having a over all bad day.
$31 it cost to order new checks. Are you serious??? Customer service is hit or miss and I have had multiple times where the 1-800 customer service has told me something to be told by the branch manager something different. Not worth the time or fees they love to charge at any opportunity! And the interest rates for savings accounts are a complete joke, don't even bother!