"I will be brief and factual only. I will not go to the level of insults. Bank of America merged with Fleet Boston. I had been with Fleet for over 13 years. And been through several merges or changes. None has been so horrible than Bank of America (BOA).
When they merged they sent Visa checkcards that didn't work correctly. Not only was I one of the customers, but I wasn't notified by letter or via e-mail of the problem. I was sent another card and it was when I called I found out their error. They told me they sent notification. I did not receive anything.
I deposited $190.00 of cash into my account through the bank teller. After 3 days of NOT seeing the amount of the deposit, I called, and was told they had no knowledge of such a deposit. I told them, I had the slip with the tellers information who took my deposit. After several days, it was finally handled and I received my money. This problem continued 4 other times when I made a deposit. I was becoming very nervous on how they handled my money.
I noticed a complete change in professionalism. When you called and spoke to someone they sounded very young and not knowledgeable about their bank. Several times, I would have to tell them about their own policies. Many times the representatives were curt, nasty, and ill mannered. I felt I was bothering them. And I rarely called.
I admit that during the summer my finances were a little different. My direct deposit was a bit lower due to summer. So, I was frequently going into the savings account to transfer funds. One time I went over and I knew there would be a fee, but what I didn't like was that...I was charged $19.00 twice. Then I noticed overcharges for using ATMS outside of BOA. They charge $1.50 per ATM well I got charged twice or three times. I was unhappy about this but let it slide
I received a notice from BOA stating that if I continued to withdraw from my savings account they would charge me $3.00 per withdrawl and change my savings account to one that best fits me. I thought I was in charge of my own money? I did not appreciate being told what BOA would do with my account or my money.
My card was lost. I called and ask for a new card to be rushed to me. I paid $20.00 even though I thought that was too much. I called the next day and asked if I could have the tracking number of FedEx or whomever so I wouldn't have to bother them. I was told no tracking number or any information about my FedEX request existed. I spoke to the rep prior to making my order who stated the card would be in my hands within 2 days. A supervisor lied to me and said it can take up to 4 days. I expressed that she was not being truthful because if it takes 5-7 days for a card to be issues and I am paying for FedEx why would it take 4 days. I need my card to use it. I received my card the next day.
I disupted a mere $25.00 on my account. I was denied my claim and told provisional credit was not given. I was told to fill out a Affidavit form and it would be taken card of, however after reading the form, I needed to find out how long the process would take. So I called and the rep knew nothing and stated they had no such Dispute Department. That she could not give me a day or time. I expressed concerns of sending the form via fax to just anyone. I ended up not getting my $25.00 and simply closing my account.
My story is not as horrible as others. But I realized that I do need a bank who follows the principles I live by: respect, honesty, being genuine, caring, and having consideration. Without those basics- you don't have a very good company. I decided to go to another bank which seems to be trusting and trust my name.
I am sure BOA will rebut this and I would like to tell *you* who are reading this- you should have some since of honesty when you do business with hardworking indivduals. No company is perfect and your customers may bounce a check, but you have no right to take away their integrity. I was very hurt by this bank because I loved my bank. It felt like family. Now it is simply means nothing to me.
Long Branch, New York