I was a customer of bank of america for eight years, i had a checking, savings and mortgage with them. They are terrible to deal with. Not only did they close my checking account as a few items were returned, no fault of mine, they never even gave me the courtesy of notification. On top of that they froze my account and charged me $35. 00 for each transaction they did not pay. I wrote to the new york state banking dept. And they are looking into it. The bank is too big. They do not care about you as a customer. My friend lost her job and was trying to get a mortgage modification and they promised a trial modification and never came through with it. She had to go to an attorney for help to keep her home. Every time you speak to customer service you get someone who never knows what is going on and they put you on hold forever. My advice, stay away. I am with a hometown bank now and no issues.
I will be closing my account as soon as i pay off my credit card. I have several cards with direct payments and as we all know that do to the economy i only work two days a week! My intension is to pay but how can anyone survive with two days?! And than be charged late fees? I called to be refunded cash that i don't have and wasn't helped. Instead i was offered other options that charged a fee.
What point of not being able to afford the late fee didn't they get? How am i being helped! Very disappointed! I will be sure to make a point that bank america doesn't help those who are struggling. I called with a problem and there was no solution after i got off the phone wih the representative and manager. They told me since it wasn't the banks error i couldn't be refunded.. I didn't say it was the banks error. I just did have cash in hand until two days later!
I am refinancing my mortgage for a lower rate. I went into this branch asking for help and all i was told was that they no longer had a loan officer so i sat in the lobby filling out paper work and all i wanted was for someone to go over it so i didn't make any mistakes. No one would help me and as it turned out some of the paper work did not fax properly and i had to go back and sign additional forms.
I have been with b of a for 14 yrs. And i find this service worse than sad. If i had not gone this far with the loan process i would have gone to another bank and closed out all my accounts with b of a. To have a loan officer call me at 9pm on a friday night is beyond the pale. Something has to be done to keep customers satisfied.