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Bank of America, Review
Bank of America, Review
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Unacceptable
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by sealife28, Apr. 18, 2011
You have got to be kidding me. I transfered from another state and this is the closest branch. (no problems at the other branches) The lead teller was RUDE both to my spouse and to myself when we had to go in (most of the other staff we have dealt with were nice enough, but only the lead teller could help us with what we needed - so we were told). So, over the past three months we went to the bank once a week. We had to call every week first (getting through to the bank is a nightmare in of itself) and then after a while were told that we would be charged a fee unless we were a business customer. So, we transfered over our business account - and then the next time she still charged a fee to the business account. After confronting her on the matter she stated she has never said anything of the sort. Question: WHY would we start using a business account at your bank when we already had a personal account that did the job. It is not as if we try to make more work for ourselves. Rude and snippy every time were came in. Unacceptable.
* this reviewer has be with this bank for 1 - 3 years
* this reviewer had 6 - 10 banks before.
* this review was made on Bank of America, Westminster Branch at Westminster, MD
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Overall Rating Office Environment & Staff Waiting Time Other Servicesby sealife28, Apr. 18, 2011
You have got to be kidding me. I transfered from another state and this is the closest branch. (no problems at the other branches) The lead teller was RUDE both to my spouse and to myself when we had to go in (most of the other staff we have dealt with were nice enough, but only the lead teller could help us with what we needed - so we were told). So, over the past three months we went to the bank once a week. We had to call every week first (getting through to the bank is a nightmare in of itself) and then after a while were told that we would be charged a fee unless we were a business customer. So, we transfered over our business account - and then the next time she still charged a fee to the business account. After confronting her on the matter she stated she has never said anything of the sort. Question: WHY would we start using a business account at your bank when we already had a personal account that did the job. It is not as if we try to make more work for ourselves. Rude and snippy every time were came in. Unacceptable.
* this reviewer has be with this bank for 1 - 3 years
* this reviewer had 6 - 10 banks before.
* this review was made on Bank of America, Westminster Branch at Westminster, MD
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The most horrible bank
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by haylee, Apr. 18, 2011
Switched banks due to poor quality staff members. Very uneducated and time consuming. I follow the bank rules but they don't seem to. Had no idea why I could not make a deposit, particularly my second time there. She made very broad statements about the payer of the check, which I have no control over. So I asked if she wanted to speak with my employer over the phone to verify if the funds existed as we both use BoA, which she agreed to and verified. Unnecessarily, she said my employer will explain to me what just happened, while she went back and forth for about 5 minutes at the drive thru while two other tellers were sitting at their desk. I had to wait for my teller to finish up before I spoke to her. She informed me she could not make the deposit anymore. I have no clue what happened, and I'm not sure she had a clue either. Maybe she was assuming that people write checks for amounts they don't have these days.
* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 1 - 2 banks before.
* this review was made on Bank of America, Gainesville Square Branch at Gainesville, VA
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Overall Rating Interest Rate and Cost Office Environment & Staff Waiting Time Other Servicesby haylee, Apr. 18, 2011
Switched banks due to poor quality staff members. Very uneducated and time consuming. I follow the bank rules but they don't seem to. Had no idea why I could not make a deposit, particularly my second time there. She made very broad statements about the payer of the check, which I have no control over. So I asked if she wanted to speak with my employer over the phone to verify if the funds existed as we both use BoA, which she agreed to and verified. Unnecessarily, she said my employer will explain to me what just happened, while she went back and forth for about 5 minutes at the drive thru while two other tellers were sitting at their desk. I had to wait for my teller to finish up before I spoke to her. She informed me she could not make the deposit anymore. I have no clue what happened, and I'm not sure she had a clue either. Maybe she was assuming that people write checks for amounts they don't have these days.
* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 1 - 2 banks before.
* this review was made on Bank of America, Gainesville Square Branch at Gainesville, VA
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by AndreaP 2014-06-01 20:17:49
I have used thus bank a thousand times and never had an issue are you positive it was payroll check drawn on a payroll account? Many people try to get immediate funds when in fact they are not cashing a payroll check
There May Be Many Reviewers Who Are Confusing This Branch With Another One? Possibly?
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by MarkTwain, Mar. 19, 2011
I was looking over previous reviews from other customers, and I believe many reviews are confusing and are mistaken by comparing this bank of america montrose branch with other bank of america branch location around the country. FOR ALL REVIEWERS MAKE SURE TO LOOK at the bottom part of each customer review because it tells you WHAT BRANCH and in WHAT State/City the customer is reviewing upon. From my perspective as customer, I've been extremely satisfied with this branch located at 2320 Honolulu Ave Montrose, CA 91020. The place is spacious and often has short lines for a quick and efficient transaction. The tellers are courteous and few even have a good sense of humor. I personally recommend this branch due to its laid back atmosphere, friendly staff, and professional demeanor. In hindsight, I believe all the tellers are very friendly and all the staff surpasses all my banking needs. That's just my opinion. Highly recommended and as a bonus many great places to eat and shop around the area.
* this reviewer has be with this bank for 6 months - 1 year
* this reviewer had 3 - 5 banks before.
* this review was made on Bank of America, Montrose Branch at Montrose, CA
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Overall Rating Interest Rate and Cost Office Environment & Staff Waiting Time Other Servicesby MarkTwain, Mar. 19, 2011
I was looking over previous reviews from other customers, and I believe many reviews are confusing and are mistaken by comparing this bank of america montrose branch with other bank of america branch location around the country. FOR ALL REVIEWERS MAKE SURE TO LOOK at the bottom part of each customer review because it tells you WHAT BRANCH and in WHAT State/City the customer is reviewing upon. From my perspective as customer, I've been extremely satisfied with this branch located at 2320 Honolulu Ave Montrose, CA 91020. The place is spacious and often has short lines for a quick and efficient transaction. The tellers are courteous and few even have a good sense of humor. I personally recommend this branch due to its laid back atmosphere, friendly staff, and professional demeanor. In hindsight, I believe all the tellers are very friendly and all the staff surpasses all my banking needs. That's just my opinion. Highly recommended and as a bonus many great places to eat and shop around the area.
* this reviewer has be with this bank for 6 months - 1 year
* this reviewer had 3 - 5 banks before.
* this review was made on Bank of America, Montrose Branch at Montrose, CA
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Dissapointed in Management
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by MoneyMania, Mar. 18, 2011
I am not pleased with how management runs this branch. No customer friendly and need to up their game.
* this reviewer has be with this bank for >10 years
* this reviewer had 1 - 2 banks before.
* this review was made on Bank of America, Moncrief Road Branch at Jacksonville, FL
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Overall Rating Interest Rate and Cost Office Environment & Staff Waiting Time Other Servicesby MoneyMania, Mar. 18, 2011
I am not pleased with how management runs this branch. No customer friendly and need to up their game.
* this reviewer has be with this bank for >10 years
* this reviewer had 1 - 2 banks before.
* this review was made on Bank of America, Moncrief Road Branch at Jacksonville, FL
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Poor Responsiveness
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by plfla, Mar. 14, 2011
I have a great deal of moeny here in several accounts as well as credit cards...I have been witt he bank for several years
About 3 weeks ago, I went to bank for a full review of my accounts and to check into availability of better credit cards and account services.
I was promised a phone call back froman employeee named Jose Grisales within a few days on both matters..
2 weeks later i followed up and left a message and did not receive a call back...
2 days after after, I called again - no call back...
4 days later I called again and asked to speak to manager (Mike Ando)...he explicitly told me that Jorge Grisales was out for a few days and would call me right back).
This was 5 days ago.
I am quite unhappy because my choice is to either accept this treatment or to go to a great deal of trouble to close my accounts, on-line payees accounts, etc and start over somewhere else.
This is galling and at the least, simply disappointing
My options: accept apathy or inconvenience...Some choice!
* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 3 - 5 banks before.
* this review was made on Bank of America, Parkland Isles Branch at Pompano Beach, FL
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Overall Rating Interest Rate and Cost Office Environment & Staff Waiting Time Other Servicesby plfla, Mar. 14, 2011
I have a great deal of moeny here in several accounts as well as credit cards...I have been witt he bank for several years
About 3 weeks ago, I went to bank for a full review of my accounts and to check into availability of better credit cards and account services.
I was promised a phone call back froman employeee named Jose Grisales within a few days on both matters..
2 weeks later i followed up and left a message and did not receive a call back...
2 days after after, I called again - no call back...
4 days later I called again and asked to speak to manager (Mike Ando)...he explicitly told me that Jorge Grisales was out for a few days and would call me right back).
This was 5 days ago.
I am quite unhappy because my choice is to either accept this treatment or to go to a great deal of trouble to close my accounts, on-line payees accounts, etc and start over somewhere else.
This is galling and at the least, simply disappointing
My options: accept apathy or inconvenience...Some choice!
* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 3 - 5 banks before.
* this review was made on Bank of America, Parkland Isles Branch at Pompano Beach, FL
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i love northbenson
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by christopher, Mar. 14, 2011
I love coming to this branch! They are amazing. Great smiles and pretty girls
* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 3 - 5 banks before.
* this review was made on Bank of America, North Benson Branch at Renton, WA
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Overall Rating Interest Rate and Cost Office Environment & Staff Waiting Time Other Servicesby christopher, Mar. 14, 2011
I love coming to this branch! They are amazing. Great smiles and pretty girls
* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 3 - 5 banks before.
* this review was made on Bank of America, North Benson Branch at Renton, WA
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Nice bankers
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by laurawilliams, Mar. 06, 2011
I dont understand why some people are saying such horrible things.. They have helped me out so much during these past couple of years. Its been very tough financially and they have sat down with me for atleast couple hours at a time to help me with my check book and accounts. So i am very pleased with everything
* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 6 - 10 banks before.
* this review was made on Bank of America, Crocker Ranch Branch at Roseville, CA
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Overall Rating Interest Rate and Cost Office Environment & Staff Waiting Time Other Servicesby laurawilliams, Mar. 06, 2011
I dont understand why some people are saying such horrible things.. They have helped me out so much during these past couple of years. Its been very tough financially and they have sat down with me for atleast couple hours at a time to help me with my check book and accounts. So i am very pleased with everything
* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 6 - 10 banks before.
* this review was made on Bank of America, Crocker Ranch Branch at Roseville, CA
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Excellent customer service
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by laurawilliams, Mar. 06, 2011
I was very pleased on how fast and friendly the staff is at bank of america. They always make me feel comfortable there and take there time getting my questions answered.
* this reviewer has be with this bank for 1 - 3 years
* this reviewer had 6 - 10 banks before.
* this review was made on Bank of America, Crocker Ranch Branch at Roseville, CA
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Overall Rating Interest Rate and Cost Office Environment & Staff Waiting Time Other Servicesby laurawilliams, Mar. 06, 2011
I was very pleased on how fast and friendly the staff is at bank of america. They always make me feel comfortable there and take there time getting my questions answered.
* this reviewer has be with this bank for 1 - 3 years
* this reviewer had 6 - 10 banks before.
* this review was made on Bank of America, Crocker Ranch Branch at Roseville, CA
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Needs New Management
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by osmani, Mar. 04, 2011
The staff I have encountered are very slow. They were asking me all these questions just for deposit, a second person had to assist on the transaction which created a long line. In my opinion they need more energetic people working there that are able to get customers in and out quickly. Another thing I have noticed is that one ATM machine is always broken, at night there is almost always a line to use the one ATM.
* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 1 - 2 banks before.
* this review was made on Bank of America, Pelham Parkway Branch at Bronx, NY
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Overall Rating Interest Rate and Cost Office Environment & Staff Waiting Time Other Servicesby osmani, Mar. 04, 2011
The staff I have encountered are very slow. They were asking me all these questions just for deposit, a second person had to assist on the transaction which created a long line. In my opinion they need more energetic people working there that are able to get customers in and out quickly. Another thing I have noticed is that one ATM machine is always broken, at night there is almost always a line to use the one ATM.
* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 1 - 2 banks before.
* this review was made on Bank of America, Pelham Parkway Branch at Bronx, NY
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great for exchanging bills into quaters
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by Maddin, Mar. 01, 2011
The staff is rather friendly (in a business superficial way), and they are awesome in changing bills into coins. That one worked for me. All the other questions I had concerning loans, credit ratings international money transfer etc.. they could not answer. They had simply no idea and could not transfer me to somebody who could answer my questions. Or they told me the manager would call me back with the answer, but they did not. I was really surprised how little their knowledge is concerning money and banking. I could not even deposit my change there, only if I rolled it up.. So I had to go to the supermarket for depositing money! I am speechless how uneducated they are and how little services they offer which are actually useful for me.
* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 3 - 5 banks before.
* this review was made on Bank of America, Florin-Greenhaven Branch at Sacramento, CA
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Overall Rating Interest Rate and Cost Office Environment & Staff Waiting Time Other Servicesby Maddin, Mar. 01, 2011
The staff is rather friendly (in a business superficial way), and they are awesome in changing bills into coins. That one worked for me. All the other questions I had concerning loans, credit ratings international money transfer etc.. they could not answer. They had simply no idea and could not transfer me to somebody who could answer my questions. Or they told me the manager would call me back with the answer, but they did not. I was really surprised how little their knowledge is concerning money and banking. I could not even deposit my change there, only if I rolled it up.. So I had to go to the supermarket for depositing money! I am speechless how uneducated they are and how little services they offer which are actually useful for me.
* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 3 - 5 banks before.
* this review was made on Bank of America, Florin-Greenhaven Branch at Sacramento, CA
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Smiles for a Price
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by Sunshine88, Feb. 26, 2011
I've was at BOA for 4 years and I never had a complaint whatsoever. The staff was great, helpful and always friendly.
However when I went to cancel my account, because I had decided to go to a different Bank, immediately the tone of staff (From the Managers) changed from friendly to frigid. I couldn't wait to get out of their faster.
I've never had a problem with this bank, but this last transaction has left a lasting impression on me.
* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 1 - 2 banks before.
* this review was made on Bank of America, South Boston Branch at Boston, MA
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Overall Rating Interest Rate and Cost Office Environment & Staff Waiting Time Other Servicesby Sunshine88, Feb. 26, 2011
I've was at BOA for 4 years and I never had a complaint whatsoever. The staff was great, helpful and always friendly.
However when I went to cancel my account, because I had decided to go to a different Bank, immediately the tone of staff (From the Managers) changed from friendly to frigid. I couldn't wait to get out of their faster.
I've never had a problem with this bank, but this last transaction has left a lasting impression on me.
* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 1 - 2 banks before.
* this review was made on Bank of America, South Boston Branch at Boston, MA
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by BOAfraudOCC 2013-09-13 17:18:33
Bank of America, Estrella Mountain/Van Buren, Goodyear, AZ 85338, Bank of America, Phoenix, AZ call center review. What has happened to banking? AZ Bank of America's have been changing original deposit account agreements without notice to customer. After contacting BOA Call Center Manager, Phoenix, AZ, she not only refused to provide full name or ID, (Office of Comptroller of Currency, FDIC, and Treasury Dept felony violations), but she sent documents to me to cover BOA failure to provide notice 12 months prior.
Business Owner
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by jriii, Feb. 22, 2011
I am always greeted by name and acknowledged by the staff. Everyone is courteous and helpful. When I have unusual questions, they always find the answer for me or call someone who can answer the question. I have been with this branch since it opened and wouldn't think of moving somewhere else. New employees have come and others have moved on but the service has always been excellent. I love my bank !!
* this reviewer has be with this bank for >10 years
* this reviewer had 3 - 5 banks before.
* this review was made on Bank of America, East Sonora Branch at Sonora, CA
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Overall Rating Interest Rate and Cost Office Environment & Staff Waiting Time Other Servicesby jriii, Feb. 22, 2011
I am always greeted by name and acknowledged by the staff. Everyone is courteous and helpful. When I have unusual questions, they always find the answer for me or call someone who can answer the question. I have been with this branch since it opened and wouldn't think of moving somewhere else. New employees have come and others have moved on but the service has always been excellent. I love my bank !!
* this reviewer has be with this bank for >10 years
* this reviewer had 3 - 5 banks before.
* this review was made on Bank of America, East Sonora Branch at Sonora, CA
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Bad Customer Service
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by amerindianchica, Feb. 22, 2011
I only go there to use the ATM because the location is convenient. I don't go there for customer service, because for some reason bank of america failed to give IQ tests during the hiring process for that branch. Whatever reason that ever I went there for customer service in the past, it was always very unprofessional. I go out of my way to other branches for customer service. I love bank of america, just not this particular branch.
* this reviewer has be with this bank for 1 - 3 years
* this reviewer had 1 - 2 banks before.
* this review was made on Bank of America, Church And Ocean Avenue Branch at Brooklyn, NY
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Overall Rating Interest Rate and Cost Office Environment & Staff Waiting Time Other Servicesby amerindianchica, Feb. 22, 2011
I only go there to use the ATM because the location is convenient. I don't go there for customer service, because for some reason bank of america failed to give IQ tests during the hiring process for that branch. Whatever reason that ever I went there for customer service in the past, it was always very unprofessional. I go out of my way to other branches for customer service. I love bank of america, just not this particular branch.
* this reviewer has be with this bank for 1 - 3 years
* this reviewer had 1 - 2 banks before.
* this review was made on Bank of America, Church And Ocean Avenue Branch at Brooklyn, NY
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Don't do business with BOA
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by Gabs, Feb. 19, 2011
This is a branch filled with idiots!!!! They lie and make changes to deposit slips and don't initial so it looks like the customer did it. They don't contact the correct numbers that are listed on the accounts. They contact reletives with the same last name and discuss account information.
* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 1 - 2 banks before.
* this review was made on Bank of America, East Norwalk Branch at Norwalk, CT
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Overall Rating Interest Rate and Cost Office Environment & Staff Waiting Time Other Servicesby Gabs, Feb. 19, 2011
This is a branch filled with idiots!!!! They lie and make changes to deposit slips and don't initial so it looks like the customer did it. They don't contact the correct numbers that are listed on the accounts. They contact reletives with the same last name and discuss account information.
* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 1 - 2 banks before.
* this review was made on Bank of America, East Norwalk Branch at Norwalk, CT
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Smiles around the bank
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by DaveCassidy, Feb. 17, 2011
Every time I stop by the bank, its a genuine pleasure to see everyone happy to see you.
The smiles are contagious and everyone seems eager to help you.
Drive up is always a charm and the teller comes across as genuinely concerned about helping you complete the transaction.
Don't know about other branches of bank of america, but this one gets 5 stars. :)
* this reviewer has be with this bank for 6 months - 1 year
* this reviewer had 6 - 10 banks before.
* this review was made on Bank of America, West Caldwell Branch at Caldwell, NJ
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Overall Rating Interest Rate and Cost Office Environment & Staff Waiting Time Other Servicesby DaveCassidy, Feb. 17, 2011
Every time I stop by the bank, its a genuine pleasure to see everyone happy to see you.
The smiles are contagious and everyone seems eager to help you.
Drive up is always a charm and the teller comes across as genuinely concerned about helping you complete the transaction.
Don't know about other branches of bank of america, but this one gets 5 stars. :)
* this reviewer has be with this bank for 6 months - 1 year
* this reviewer had 6 - 10 banks before.
* this review was made on Bank of America, West Caldwell Branch at Caldwell, NJ
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unprofessional employees
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by champ25, Feb. 10, 2011
i feel bad for the employees that work there. most of the times i come in there for a transaction, i see the way how their teller manager amy and supervisor julie treat their tellers. they would embarass the teller in front of me. they talk so loud, they use unprofessional language and the most important thing that annoyed me was when the supervisor embarassed the teller after the other person left because the teller didnt sell an account. it looks unproffessional because I and other people can hear it and there i could see that they're not really here for their clients but just to sell an account. thats why everytime i go there, they're employees are like robots. they come up with different types of accounts for me to open. after this account,heres another, then another. they are really after accounts, they are after our money thats why they find ways to charge fees. i really feel bad for the employees. they work hard, hopefully they are getting enough pay for the treatment that they get.
* this reviewer has be with this bank for 6 months - 1 year
* this reviewer had 1 - 2 banks before.
* this review was made on Bank of America, Silverado & Bermuda Branch at Las Vegas, NV
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Overall Rating Interest Rate and Cost Office Environment & Staff Waiting Time Other Servicesby champ25, Feb. 10, 2011
i feel bad for the employees that work there. most of the times i come in there for a transaction, i see the way how their teller manager amy and supervisor julie treat their tellers. they would embarass the teller in front of me. they talk so loud, they use unprofessional language and the most important thing that annoyed me was when the supervisor embarassed the teller after the other person left because the teller didnt sell an account. it looks unproffessional because I and other people can hear it and there i could see that they're not really here for their clients but just to sell an account. thats why everytime i go there, they're employees are like robots. they come up with different types of accounts for me to open. after this account,heres another, then another. they are really after accounts, they are after our money thats why they find ways to charge fees. i really feel bad for the employees. they work hard, hopefully they are getting enough pay for the treatment that they get.
* this reviewer has be with this bank for 6 months - 1 year
* this reviewer had 1 - 2 banks before.
* this review was made on Bank of America, Silverado & Bermuda Branch at Las Vegas, NV
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poor services
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by nbcohen, Feb. 07, 2011
These people are awful, they are liars tell you one thing and then lie about when you come back with what they told you. The manager and staff are incompentent. I complained to corporate they did nothing. I will never go to ba again. closed all my accounts. how do they live with themselves
* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 1 - 2 banks before.
* this review was made on Bank of America, Northgate Branch at Durham, NC
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Overall Rating Interest Rate and Cost Office Environment & Staff Waiting Time Other Servicesby nbcohen, Feb. 07, 2011
These people are awful, they are liars tell you one thing and then lie about when you come back with what they told you. The manager and staff are incompentent. I complained to corporate they did nothing. I will never go to ba again. closed all my accounts. how do they live with themselves
* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 1 - 2 banks before.
* this review was made on Bank of America, Northgate Branch at Durham, NC
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Bank takes money from me any way it can
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by adco88, Feb. 07, 2011
This bank is a ripoff with incompetent personnel who give contradictory and inaccurate information. They are very slow to process deposits...even cash thru an ATM can take five days. However they are VERY quick to process payments or withdrawals made on a debit card. Consequently, they get to charge you their BELOVED, inflated, hi-profit $33 or $66 overdraft fees.
* this reviewer has be with this bank for 1 - 3 years
* this reviewer had 6 - 10 banks before.
* this review was made on Bank of America, Yucca Valley Branch at Yucca Valley, CA
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Overall Rating Interest Rate and Cost Office Environment & Staff Waiting Time Other Servicesby adco88, Feb. 07, 2011
This bank is a ripoff with incompetent personnel who give contradictory and inaccurate information. They are very slow to process deposits...even cash thru an ATM can take five days. However they are VERY quick to process payments or withdrawals made on a debit card. Consequently, they get to charge you their BELOVED, inflated, hi-profit $33 or $66 overdraft fees.
* this reviewer has be with this bank for 1 - 3 years
* this reviewer had 6 - 10 banks before.
* this review was made on Bank of America, Yucca Valley Branch at Yucca Valley, CA
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Mr B.S.
Overall Rating
Interest Rate and Cost
Office Environment & Staff
Waiting Time
Other Services
by MrBS, Jan. 19, 2011
Dear Ricky Parks and the Refinance Team of Bank of America,
Thank you so much for educating me on how to do my part in stimulating the economy. Please let me explain. I currently have a 30 yr. fixed rate FHA loan with a 6.75% interest rate and a line of credit with you, Bank of America. Back at the end of September 2010 I followed our wise President’s advice and decided to do my part and refinance my loan. Hey, at least I could get rid of the $50 a month payment for mortgage insurance, I thought. So I contacted BOA, the bank that already owns my loan, with the high hopes and naïveté, that I and my wife could actually refinance our loan with you, BOA. BOA assigned Ricky Parks, loan officer, to my refinance. Ricky was a nice gentlemen and very polite. Quite simply, a pleasure to work with. I told Ricky I wanted to do a refi. on a 15 yr. fixed rate mortgage, which would cost me an additional $150 dollars a month and save me tens of thousands in interest. Ricky ran my wife’s and I credit and we were in the 690 range. Great that meant we could qualify, but then we hit our first hurdle, my wife, a full time teacher, had only been working for the district for a year and a half and therefore we could not count her income. Although, you could definitely hold her debt against me. It is a good thing the genius switch is never off, because I had the brilliant idea of going solo on the new loan. Armed with my info Ricky went back and plugged the numbers in and BAM! I was preapproved. Ricky sent me the good faith estimate on 9/30/2010 and with the giving of my debit card number; we locked our rate and were on our way to refinancing. At the time I thought the $500 upfront and $5,131 in closing costs was a bit excessive, but hey the tens of thousands I would save on interest would be worth it in the long haul. After the money was drawn from my account the hurdles started lining up in front of me. Having been a hurdler in high school, I welcomed the challenge. First came the usual easy hurdles, pay stubs, w-2’s, a survey, 2 mo. reserve. The reserve I thought was a bit odd since I already pay you every month for the loans I have with you. I collected all the paper work and emailed it to my pal Ricky, loan officer. Well guess what? My accounts didn’t have the reserves in it but I had the money in my account at the time we were talking because my wife received her first full time pay check at the end of September, but my checking and savings statement is taken from 17th of the month to 17th of the month. So July and August’s statements did not reflect our new income. Ricky assured me that if I could get a 60 day certified statement from my bank then everything would be kosher. Jumped that hurdle and got it in, but then came the next hurdle my income. I make $30 an hour, which grosses to 2400 bi-weekly. In January and February I took time off and worked with a friend at Le Tourneau University in Longview, Texas. My pay stubs reflected these weeks off so the awesome underwriting team readjusted my monthly income to reflect that 6 week absences. Uhoh! Now I don’t make enough to qualify for the loan because we can’t count the $5000 I made while working for the university, since I hadn’t been employed with them for 2 yrs. Great. So we decided to write a letter saying I took an extended vacation and that was why my income was different. Wrote it, sent it, we were good to go and then the next hurdle my debt ratio is too high. With Ricky’s advice I was told to defer my student loan payment for a year and that would bring my debt ratio down to acceptable. We are at the end of October now, so I quickly contact my student loan provider and get my loan deferred. As soon as I get the email, I forward it on to Ricky, loan officer and all is good again. Of course until the next hurdle, the appraisal. County has me appraised at $159000, you appraise me at $145000 and I owe you $114700 for my current loan with you, BOA. You know what that means right? I’m above the 80% loan to value and that requires me to give you, BOA, an additional $50 for PMI each month on this new mortgage. No problem, except now my debt ratio is too high and the underwriter is adjusting my income to reflect the absence of pay in my pay stubs. Which means I don’t qualify for the loan. Now it is December and I ask Ricky to try for a 30 yr. fixed rate refi., but he persuades me to give him another shot and let him try and push it through again. He tries, but to no avail. The underwriter is not on my side. Now we are at New Years week and Ricky tells me unless I have proof of $2600 in my accounts for 60 days there is no way I will get a refinance of any kind through BOA. Awesome, I think. I just helped stimulate the economy and don’t even own the appraisal I paid for. So thank you BOA. Thank you for teaching me that I cannot refinance to a lower rate on a loan when I already pay you at a much higher interest rate. It makes sense. Why take less money from someone if you can keep getting more out of them. Thank you for teaching me about customer loyalty. It lets me know that all my on time, never late, often early payments on both the loans I have with you, has not gone unnoticed and is appreciated. Thank you for also teaching me how to take a clients money 1st before calculating debt ratio’s and income so I can squeeze whatever I can out of them before I turn them down. Thank you for the most awesome, unstressful process possible and dragging it on for over 3 months. Thank you for making sure that I missed out on the low interest rates that were present when I locked my rate. Thank you.
In all honesty this is unacceptable business practice and I want to know how you are going to make it right with me? I will forward this on to every person at BOA whose e-mail I can find. I will do this daily until I am a satisfied customer.
Sincerely,
B.S.
* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 3 - 5 banks before.
* this review was made on Bank of America, Desoto-Beltline at Desoto, TX
26 of 27 people found this review helpful. Was this review helpful to you? Yes, No Report Abuse
Overall Rating Interest Rate and Cost Office Environment & Staff Waiting Time Other Servicesby MrBS, Jan. 19, 2011
Dear Ricky Parks and the Refinance Team of Bank of America,
Thank you so much for educating me on how to do my part in stimulating the economy. Please let me explain. I currently have a 30 yr. fixed rate FHA loan with a 6.75% interest rate and a line of credit with you, Bank of America. Back at the end of September 2010 I followed our wise President’s advice and decided to do my part and refinance my loan. Hey, at least I could get rid of the $50 a month payment for mortgage insurance, I thought. So I contacted BOA, the bank that already owns my loan, with the high hopes and naïveté, that I and my wife could actually refinance our loan with you, BOA. BOA assigned Ricky Parks, loan officer, to my refinance. Ricky was a nice gentlemen and very polite. Quite simply, a pleasure to work with. I told Ricky I wanted to do a refi. on a 15 yr. fixed rate mortgage, which would cost me an additional $150 dollars a month and save me tens of thousands in interest. Ricky ran my wife’s and I credit and we were in the 690 range. Great that meant we could qualify, but then we hit our first hurdle, my wife, a full time teacher, had only been working for the district for a year and a half and therefore we could not count her income. Although, you could definitely hold her debt against me. It is a good thing the genius switch is never off, because I had the brilliant idea of going solo on the new loan. Armed with my info Ricky went back and plugged the numbers in and BAM! I was preapproved. Ricky sent me the good faith estimate on 9/30/2010 and with the giving of my debit card number; we locked our rate and were on our way to refinancing. At the time I thought the $500 upfront and $5,131 in closing costs was a bit excessive, but hey the tens of thousands I would save on interest would be worth it in the long haul. After the money was drawn from my account the hurdles started lining up in front of me. Having been a hurdler in high school, I welcomed the challenge. First came the usual easy hurdles, pay stubs, w-2’s, a survey, 2 mo. reserve. The reserve I thought was a bit odd since I already pay you every month for the loans I have with you. I collected all the paper work and emailed it to my pal Ricky, loan officer. Well guess what? My accounts didn’t have the reserves in it but I had the money in my account at the time we were talking because my wife received her first full time pay check at the end of September, but my checking and savings statement is taken from 17th of the month to 17th of the month. So July and August’s statements did not reflect our new income. Ricky assured me that if I could get a 60 day certified statement from my bank then everything would be kosher. Jumped that hurdle and got it in, but then came the next hurdle my income. I make $30 an hour, which grosses to 2400 bi-weekly. In January and February I took time off and worked with a friend at Le Tourneau University in Longview, Texas. My pay stubs reflected these weeks off so the awesome underwriting team readjusted my monthly income to reflect that 6 week absences. Uhoh! Now I don’t make enough to qualify for the loan because we can’t count the $5000 I made while working for the university, since I hadn’t been employed with them for 2 yrs. Great. So we decided to write a letter saying I took an extended vacation and that was why my income was different. Wrote it, sent it, we were good to go and then the next hurdle my debt ratio is too high. With Ricky’s advice I was told to defer my student loan payment for a year and that would bring my debt ratio down to acceptable. We are at the end of October now, so I quickly contact my student loan provider and get my loan deferred. As soon as I get the email, I forward it on to Ricky, loan officer and all is good again. Of course until the next hurdle, the appraisal. County has me appraised at $159000, you appraise me at $145000 and I owe you $114700 for my current loan with you, BOA. You know what that means right? I’m above the 80% loan to value and that requires me to give you, BOA, an additional $50 for PMI each month on this new mortgage. No problem, except now my debt ratio is too high and the underwriter is adjusting my income to reflect the absence of pay in my pay stubs. Which means I don’t qualify for the loan. Now it is December and I ask Ricky to try for a 30 yr. fixed rate refi., but he persuades me to give him another shot and let him try and push it through again. He tries, but to no avail. The underwriter is not on my side. Now we are at New Years week and Ricky tells me unless I have proof of $2600 in my accounts for 60 days there is no way I will get a refinance of any kind through BOA. Awesome, I think. I just helped stimulate the economy and don’t even own the appraisal I paid for. So thank you BOA. Thank you for teaching me that I cannot refinance to a lower rate on a loan when I already pay you at a much higher interest rate. It makes sense. Why take less money from someone if you can keep getting more out of them. Thank you for teaching me about customer loyalty. It lets me know that all my on time, never late, often early payments on both the loans I have with you, has not gone unnoticed and is appreciated. Thank you for also teaching me how to take a clients money 1st before calculating debt ratio’s and income so I can squeeze whatever I can out of them before I turn them down. Thank you for the most awesome, unstressful process possible and dragging it on for over 3 months. Thank you for making sure that I missed out on the low interest rates that were present when I locked my rate. Thank you.
In all honesty this is unacceptable business practice and I want to know how you are going to make it right with me? I will forward this on to every person at BOA whose e-mail I can find. I will do this daily until I am a satisfied customer.
Sincerely,
B.S.
* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 3 - 5 banks before.
* this review was made on Bank of America, Desoto-Beltline at Desoto, TX
26 of 27 people found this review helpful. Was this review helpful to you? Yes, No Report Abuse
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Worst Customer Service Ever
Overall Rating
by HonestReview, Nov. 25, 2010
Worst service on the planet. New definition of greed and guts. I rarely complain, but the branch at the corner of Williamson and Brawley School Road has to be setting a new record in distain for the customer. Despite having a sizable mortgage, perfect payment record, excellent credit, valid ID, and living a few minutes from their branch, they refuse to cash a check for $142. (I asked them to cash it while making a large deposit for my employer of 16 years who does commercial banking there). They seem to have a new policy that "encourages" everyone who walks in their door to either open a checking account and fill it with cash, or be cast aside regardless of request. The check was even drawn on my employers account. They appear to have no clue what common sense and customer service is all about. The person who identified herself as the branch manager informed me that they have a company wide policy to never cash a check for a non-customer, without exception. I find that over the top unacceptable. I decided to blog about this experience after sharing my experience with a couple dozen neighbors who are gathering with me today for thanksgiving dinner. This brought up so many negative Bank of America stories that the few people who still had accounts there have agreed to pull their money and put it in a credit union instead. If you are even remotely thinking about opening an account there, think twice. They will gouge you for ever nickel they can. They are now facing multiple lawsuits related to mortgage fraud, and it wouldn't surprise me to see them go out of business, in spite of their size.
* this reviewer has be with this bank for >10 years
* this reviewer had 3 - 5 banks before.
20 of 24 people found this review helpful. Was this review helpful to you? Yes, No Report Abuse
Overall Ratingby HonestReview, Nov. 25, 2010
Worst service on the planet. New definition of greed and guts. I rarely complain, but the branch at the corner of Williamson and Brawley School Road has to be setting a new record in distain for the customer. Despite having a sizable mortgage, perfect payment record, excellent credit, valid ID, and living a few minutes from their branch, they refuse to cash a check for $142. (I asked them to cash it while making a large deposit for my employer of 16 years who does commercial banking there). They seem to have a new policy that "encourages" everyone who walks in their door to either open a checking account and fill it with cash, or be cast aside regardless of request. The check was even drawn on my employers account. They appear to have no clue what common sense and customer service is all about. The person who identified herself as the branch manager informed me that they have a company wide policy to never cash a check for a non-customer, without exception. I find that over the top unacceptable. I decided to blog about this experience after sharing my experience with a couple dozen neighbors who are gathering with me today for thanksgiving dinner. This brought up so many negative Bank of America stories that the few people who still had accounts there have agreed to pull their money and put it in a credit union instead. If you are even remotely thinking about opening an account there, think twice. They will gouge you for ever nickel they can. They are now facing multiple lawsuits related to mortgage fraud, and it wouldn't surprise me to see them go out of business, in spite of their size.
* this reviewer has be with this bank for >10 years
* this reviewer had 3 - 5 banks before.
20 of 24 people found this review helpful. Was this review helpful to you? Yes, No Report Abuse
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