Bank of America, Review

Disappointed!
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by GinamC, Jan. 06, 2012

I have had a BOA heloc for 10 years.  It was called due this September.  I started the refinance process in August.  Everything was handed in and the appraisal was completed by August 26, 2011.  There were a series of conditions that were required at the time of the loan that we agreed and completed as soon as the items were requested.

During this time I was consistently paying toward my HELOC.  BOA still reported me delinquent and lowered my credit score by more than 100 points.  Because of the change in credit score, they were going to deny us the loan! We finally got that straightened out, but our credit score was still 50 points below where we had started.  

We were told every week, that the closing would be scheduled.  That they had everything they needed.  But then a new set of explanations for a deposit or a past address that had appeared on our credit had to be put in writing.  Every other day is was some new Letter of explanation we had to submit.  

We had what we thought was a closing on January 3rd (5 months after the 1st application) and today, January 6th we were told they would not fund without closing every single credit card that were already being paid off at closing.  Basically blackmailing us into submission.  We couldn't risk going to another lender without Bank of America, again ruining our credit when all we did was, in good faith, try to refinance an existing loan WITH THEM.  There is plenty of equity (approx $80,000) from the loan amount to the appraised value. We both had good credit (scores over 740) We have the credit card debt (that was being paid off), a rental property that more than pays for itself and nothing else!  

They were absolutely unconcerned with what they were subjecting us to: 5 months of a new problem to resolve every week, Ruining our credit, then on the third day after the closing demanding we close all credit cards without letting us know in advance to get our direct payments worked out.  

I will do everything in my power to "get the word out" about how Bank of America does business.  That they bait and switch what they offer and approve you for and then change the conditions, terms and interest rates without explaining themselves.  I have the paper trail to prove it.

* 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, Vernon Hills Branch at Vernon Hills, IL
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Another reason to put your money into smaller banks
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by Danny78, Dec. 27, 2011

Wouldn't do a simple savings account number look up for a deposit after explaining it was for my ill, handicapped father in law. ATM drive doesn't do savings account deposits and after frustration accidentally left his ATM card in machine. Drove back home to load him and his wheel chair into my vehicle to get no help and looks like we were stupid. Here's the kicker, are you ready....ON THE WAY OUT THE HANDICAPPED BUTTON ON THE WALL DIDN'T WORK TO OPEN DOORS!!! All funds were withdrew next day!

* 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, Gatlin Commons Branch at Port Saint Lucie, FL
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The worst Corupt Bank in the country
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by JeffSD, Nov. 15, 2011

BOFA is corrupt.
They are negotiating 2% loans with customers that have gone delinquent over 90 days to avoid Bankruptcy, Foreclosure, or Short Sell with the bank.  IT's Corrupt!

I have an 804 Average Fica Score and I am now having to fill out my application for the third time because of the time elapsed.  BOFA told me 45 days max on closing my loan, they are now @ 90 days.  They have sent me so many excuses and still wanting to pass the buck.  I have no idea what to do now!  I'm thinking about exposing them to the media!  This is organized Crime @ it's best!  TERRIBLE COMPANY!  TRUST ME ON THIS!

* 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, La Jolla Main Branch at La Jolla, CA
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Self
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by ubehaveit, Nov. 15, 2011

I found the new manager from Houston to be rude.  It makes me not want to go in there again and deal with her attitude.  Having our business is a privilege, not a right.

* this reviewer has be with this bank for 1 - 3 years
* this reviewer had 3 - 5 banks before.
* this review was made on Bank of America, Poinsett Street Branch at Greer, SC
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BOA customer
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by LonnieL, Oct. 21, 2011

I stopped by this Westwood in Seattle branch today with my dad to cash his check. My dad was only trying to cash a check roughly 20k. Both bank teller and Assistant Manager ( Julie Tr) here were rude and unfriendly. They acted as if my dad stole the check from someone. They asked all kind of nonsense questions...Finally, Julie came told my dad that if you want to cash the check it will take a week to clear,and we have to let her know 1 week in advance if we want it in cash..., even though he had more $ in the bank to cover the check amount...Both banker and Julie were joking back and forth about the check as if there was some sort of problem with the transaction.
If Westwood BOA doesn't want our business, just let me know I will stop by other banks for assistance. As a business owner and has been banking with BOA since 1994, I don't know if I should continue on with it or not. & not to mention about the fee on top of it... We'd thought about about Wellsfargo...
Hopefully, they will realize these matters and train this Asst. Manager to better serve its customers :(

* 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, Westwood Village Branch at Seattle, WA
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Jill D. Touby, Attorney At Law
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by jilltouby, Oct. 12, 2011

Arrogant, cavalier service.

* this review was made on Bank of America, South Miami Branch at Miami, FL
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Nice smiles, NO SERVICE
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by NowAnAllyCustomer, Oct. 07, 2011


Please bank elsewhere! After visiting the branch on Monday and speaking with Tracey Barrow, Vice President, Banking Center Manager (954) 462-9464, she said she would call me back later in the day. No call back by Wednesday, so I called and left a message on her voice mail on Wednesday morning first thing. No call back by Friday, so I called a left a message again. If you want a bank that treats you poorly and sets the gold standard for outrageous fees, while smiling and stealing money from you ... then this is your place. Try Ally for banking and keep a small local account at a regional bank. Send a message to BofA and the other banking giants that creating the banking crisis, took federal handouts, and then won't lend money. Otherwise you can help their CEOs buy more solid gold toilets for their 25,000 square foot homes. NO SERVICE + HIGH FEES

* 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, Las Olas Branch at Fort Lauderdale, FL
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Saturday Visit.
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by David1185, Sep. 29, 2011

I went into this branch on Saturday morning, September 17, to withdraw funds from an IRA account to pay property taxes. This branch is open from 9 am - noon on Saturdays.I entered the office at about 11:10 am.

The banking services individual was speaking with a customer in her office and so I sat down in one of the chairs outside her office to wait.

I got up periodically to peek into her office as time went by to enure she knew that someone else was waiting to see her. To make a long story short, I sat in the chair no more than 10 feet oustide of this person's office was able to overhear a very long personal conversation with the customer in her office (yes, the same customer as when I arrived). This employee made no effort to see if anyone else was waiting to see her at any time.

At no point during my wait did either of the two tellers, who could not have missed seeing me waiting to be serviced, ask me if they could be of help.  

At 11:50, I told one of the tellers what I needed to transact and if she could help me.  She replied she didn't know and as far as she knew, only the person I had been waiting to see could help me. I was told to go to the Brewer B of A branch but I pointed out that I would never make it in time before the Brewer office closed at noon!?!?!?!

I have never been treated so poorly by any bank that I have ever done banking with.....if my company ever treated its customers this way, we soon would not have any customers.  My presence was totally ignored at this branch office....I feel insulted that this happened to me.

If I could easily find out who the head officer for B of A Maine is, I would share my experience this day and demand an apology....if this ever happens again to me at another B of A branch, I am pulling all of my accounts out of B of A and putting them with another more service-minded bank!

I only gave a one-star rating because zero star rating is not available.....


    

* 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, Bangor Union Street Branch at Bangor, ME
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Very poor service
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by ARTK, Sep. 19, 2011

I have been a good customer for more than 10 years. I just realized that they don't allow my daughter to use their restroom. That's after I and my daughter waited a long time to make a deposit.

* 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, Heritage Plaza Branch at Irvine, CA
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Horrible cusomer service
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by sallyb21, Sep. 07, 2011

WORSTTTTTTTTTT customer service ever!!! I rush order checks 8 days ago. I tried calling the bank several times since that's where I was told to pick the checks up a couple days after the order was entered. Nobody ever called me to say they arrived. Finally I got through to a teller today only to find out my checks had still not arrived. I asked to speak to a manager. Her name was Vathany with a very heavy accent. I could barely understand her. I told her I paid an extra $8 for the rush order & was in desperate need for my checks. She asked for my information and put me on hold so she could look into it. I was re-routed twice back to the teller. I complained about it and was told she had taken another call. I was put back on hold for 25 minutes!!! I was feeling stressed and angry at this point. I hung up and called the bank back. The teller proceeded to tell me he didn't know where his manager went. He put me on hold and came back to inform me she left for lunch while I was holding for 25 minutes. I was so upset I wanted to rip their entire bank for their HORRIBLE DISGUSTING customer service. Now I have been on hold for another 15 minutes trying to call coorperate due to high call volume. What I call lack of employees. Great way to spend an hour of my day!

* 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, Oso Marguerite Branch at Mission Viejo, CA
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Worst bank ever!!
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by bankofamericasux, Sep. 07, 2011

This bank is horible, rude, dont know what they are doing, they tell you its a free account then stick you with fees, bank of america charges u money to see your checks for online banking! everyone i know hates bank of america! middlesex nj branch is plan ignorant! i have auto loan with them, bad move...lesson learned , pnc is you best bet !1

* 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, Middlesex Branch at Middlesex, NJ
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Not a place I want to have holding my money.
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by bluebird, Sep. 03, 2011

I have been with Bank of America for over 10 years, but I am changing banks soon. I have been going to this branch for years, they got a new assisitant manager and it seems as though he may be incompetant. When I asked him a question he was very nuervos and kept interupting me. He gave me all the wrong information and then tried to blame it on me! He said I wasent understanding him, he was talking loudly in a bank full of customers! I was humiliated! In Malibu we all know eachother, its a small community a neighbor was in the line behind me and he brought it up to me later that week, he thought it was unproffessional an rude as well. We were both thinking about going to somewhere else, I dont want to pay that managers paycheck.

* 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, Point Dume Branch at Malibu, CA
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terrible customer service
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by notmyday, Aug. 25, 2011

Horrrrrible customer service. Assistant bank manager is rude as can be. Pray the bank manager is there if you come in with a problem or you will have to deal with this beast.

* 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, Charleston Heights Branch at Las Vegas, NV
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Incompetent and RUDE
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by jaxterp, Aug. 10, 2011

We went to this bank for a very important service. The woman who did it, did it WRONG. I took the document where it needed to go (about 20 miles from our house), and they informed me that it was not done properly, and that Bank of America should know better.

I called the bank to try to figure out what we needed to do, and to hopefully bring the mistake to the attention of the person in charge so that this woman wouldn't go on messing up other people's documents. Well, turns out the same woman IS in charge. SCARY! She tried to blame it on us, saying that we didn't specify properly. Ridiculous! We're not in the banking industry, you should know what is required for specific documents. DO YOUR JOB AND DON'T BE RUDE TO YOUR CUSTOMERS. We plan on cancelling all of our BoA accounts as soon as possible.

* 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, 99th Avenue & Mcdowell Branch at Avondale, AZ
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Poor Service; Rude manager
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by CStemp, Jul. 26, 2011

The manager refused to allow me to cash a personal check ($250)even though my husband and I have three joint accounts with BoA. The check was made out to both of us and signed by both of us, but my husband was not with me at the time I wanted to cash it. She was very rude and raised her voice at me three times. At one point she said, "Chase bank would not cash this without your husband being present". I used to think BoA was better than Chase. I kept my voice tones down and left very upset. I was going to switch banks, but I drove about 5 miles down to another branch I've used before. The Altamonte branch cashed the check for me... no problem. Unfortunately, I will have to use the Altamonte branch which is much farther to get good service.

* 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, Range Line Road Branch at Longwood, FL
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Not customer friendly
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by GlenvilleGrampa, Jul. 19, 2011

The manager would not let me deposit a check from another bank, countersigned to me by my daughter, because she did not have an account with Bank of America.  Never mind that I am an official B of A "Preferred Customer," with over $17,000 dollars in Bank of America accounts, for which I get practically no interest.

Completely inflexible, regardless of the situation. Their "friendly" manner on the surface does not extend to "friendly service."  I will be looking for a different bank to do business with, quite soon.

No wonder B of A is the only major bank whose stock is now less than $10 a share, with losses just posted of over 90 cents a share!  Just awful!

Grampa in Glenville

* this reviewer has be with this bank for 3 - 10 years
* this reviewer had >10 banks before.
* this review was made on Bank of America, Glenville Branch at Schenectady, NY
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BAD service
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by frustrated2011, Jul. 07, 2011

Bank doesn't know what it's doing.  New account set up WRONG, phone calls are not being returned, pathetic!

* 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, Mcnab & University Banking Ctr Branc at Fort Lauderdale, FL
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No customer service - makes false promises
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by jcbrewst, Jul. 06, 2011

Not a customer friendly bank.  I was told I would have a phone call concerning a banking matter in the evening after personally going to our local branch.  Of course, there was no phone call.  I will start tomorrow moving my accounts to a more customer oriented bank.

* 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, Amarillo Downtown Branch at Amarillo, TX
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Lied to, overcharged
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by Eeee, Jul. 01, 2011

We attempted to have my husband simply join onto my checking account. The computers at the branch would not allow it, so the manager suggested we open a second checking account, with no fees. We agreed, as it was our only option. The account went on without fees for a short time, then we noticed that we were being charged monthly fees. I went in to speak with the manager, a new manager, unfortunately, and she said, "Who told you that? We have no free checking accounts here." We are thinking of taking action against the bank because of this.

* 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, Point Dume Branch at Malibu, CA
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SHEYLA TORO TELLER SPECIALIST DID NOT WANT TO CASH MY COMPANY CHECK
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by Plumbing, Jun. 13, 2011

SHEYLA TORO TELLER SPECIALIST SUPPOSED TO BE THE MANAGER,,DID NOT WANT TO CASH MY $800.00 COMPANY CHECK BECAUSE, I DID NOT WANT TO OPEN AN ACCOUNT AND SHE DID NOT GIVE ME ANY EXPLANATION, I TOLD HER THAT I HAD AN ACCOUNT WITH ANOTHER BANK AND I CALLED THE COMPANY THAT GAVE ME THE CHECK AND SHE REFUSES TO TALK TO THEM, THE OWNER OF THE COMPANY HAD TO CALL HER AND FINALLY SHE HAD TO CASH THE CHECK I BELIEVE SHE DID ALL OF THIS BECAUSE THEY GET A BONUS WHEN THEY OPEN A NEW ACCOUNT.

* this review was made on Bank of America, Ventura Downs Branch at Kissimmee, FL
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