MyBankTracker rated Bank of the West 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.
Personally charged $175 of over the limit fees when an unauthorized charge was made on my business account. The said charge was later dropped but can I only get $70 of fees back. Bank of the west says they can't reverse all of the charges since it was not a bank error. Bank Of The West also cannot provide a print out showing this charge so I can get relief from the company which made the charge in the first place since they said the charge was never posted to my account and was only put on "hold" against my balance.
It seems completely illogical that I should be responsible for fees that were incurred by an unauthorized charge that has since been dropped and never actually posted to the account. Your money is not safe with this bank. If your ATM card is erroneously charged and it puts your account over the limit you will be responsible for those fees. How it was explained to me it can happen even if a card number is incorrectly entered by someone and it happens to be your card number.
Basically I'm out $105 in over the limit fees simply because there was an unauthorized transaction against my bank account. There is no printable proof that the charge was made since it was never posted to my account and only "held" against my balance. To me that means it never happened but the fees won't be reversed.
This can happen at anytime to any customer so beware. Your money is neither safe nor secure with Bank Of The West and they seemed poised to access absorbent fees on their customers at anytime the opportunity arises.
I had a RV loan with the bank. Since I did not receive my payment coupons in time for my first payment I had to use the pay by phone option, I was told the fee was $2 dollars. However when I received my bank statement I discovered they took an additional $10 dollars out of my checking account. I called the bank and waited 25 minutes to talk to customer service and after a frustrating conversation the person said they would reverse the fees and send me a check. I did not receive the check so I made another call, waited another 25 minutes to talk to customer service and went through the same scenario again and still no check. In February I sent in an additional principal coupon and payment which was processed by them as a regular payment. I thought it was just a mistake, in March I sent in another additional principal payment and again it was processed as a regular payment. I called the bank waited another 25 minutes on the phone for customer service and explained the problem and that I wanted the interest they took out of my payment credited to my loan balance. They said I must have used the wrong coupon and there wasn't anything they could do for me. I told them actually their was if they were not going to fix their error then they could give me my loan payoff amount. I paid off the loan the next day and refinanced with another bank. Customers beware of this bank!
I arrived prior to the bank's opening. I waited a distance from the door and ate my snacks. I was not bothering anyone, yet some lady came to me and said I couldn't sit there and had to go somewhere until the bank opened. I have been a customer for over 15 years and this has never happened. I was very tempted to find another bank. I usually have a pleasant experience there. Not today. Totally burst my bubble today. I felt like I was being treated as some criminal. The lady didn't even bother to find out what my bank business was or who I was. Nothing.I think she was entirely very very rude. Please treat others as you would want to be treated. I may be finding another bank.