Bank of America, Review

ROXBURY NJ BRANCH
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by rosymllr, Apr. 30, 2011


I have been a customer for 15 years, they are clueless who I am, that's ok.  What I can't tolerate is their poor service, from waiting time on lines, to incorrect deposit or withdrawal on transaction.  I now have learned to look at slip and count my cash.  They try to come across as friendly and concerned, but really not qualified.  This ranges from opening accounts, once the rep changed my online password and never told me, to miss counting cash.  Will be taking my business elsewhere.

* 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, Roxbury Branch at Succasunna, NJ
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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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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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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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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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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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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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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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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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Mr B.S.
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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
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Worst Customer Service Ever
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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.
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Refused Money Order
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by annapip, Nov. 22, 2010

My account allows for free money orders.  

I had a 55 dollar expense check from work that I cashed today at the Sand Lake branch.  I cashed it against an account with a balance in excess of $1,000.  After getting the cash, I asked for a complementary money order to pay off the credit card on which the work expense was charged.  

The teller refused, stating that the check I just cashed hadn't cleared.  So I said "You gave me cash.  If I go down the street with this cash would another branch give me an money order?"  "Yes" she said.  "They wouldn't know where the cash came from".

* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 3 - 5 banks before.
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NOT Knowledgeable and poor customer service!!!!
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by jaja, Nov. 01, 2010

I was not pleased with the service I received - AT ALL! My tenants bank with BOA and send me a montly (sometimes bi-monthly) rent check. I have been going to this same branch for six months and every single time it is a new song and dance- no one knows how to cash the check, or exactly what they are doing- today after waiting for well over 20 minutes I left- check un-cashed! I was told by the teller and the manager that maybe I should come back tomorrow when another teller would be there to do it- because they couldn't figure it out! Ridiculous!!! Worst service ever!

* this reviewer has be with this bank for <6 months
* this reviewer had 1 - 2 banks before.
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Unwilling, unhelpful staff
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by niaz, Oct. 28, 2010

I Lost my wallet and ID. Recovered my wallet with all cards except my ID was missing. Within two weeks my checking account accumulated $760+ in fraudulent charges. Filed claim with BofA via phone. BofA instructed to go to Banking Center to gain temporary debit card while new card arrives within 7 to 10 business days. I explain that I don't have an ID (replacement ID takes many weeks to arrive)and wanted to know if that could be a problem. Rep says "no problem just explain your situation. We have several ways to verify your identity (Social Sec. photo on debit card, passport, green card, security questions, thumb prints)".  I produce three forms of ID, including two with my photo, answered security questions and questions about my recent purchases and  about the fraudulent charges (I rattled off correct answers about all). The bank manager refused to issue me a replacement card because I didn't have my driver's license and claimed he couldn't positively ID me. Utter nonsense.

Then in a baffling move; this guy lets me withdraw $100 from my checking account. Why in world would this guy give me money from my checking account if he doesn't believe  that it is my account?

Thank you of Bofa of Chinatown for the huge unproductive hassle. You proved to be no assistance during a time of personal hardship. Please remember that is MY MONEY. You really suck at what you do.

Niaz

* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 1 - 2 banks before.
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Vice President Matthew Davignon is the worst manager ever!!
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by jreagan26, Sep. 04, 2010

This branch is so rude the manager non helpfull. He is something else. My mom who is like 65 elderly bank with this bank for over six months. Then someone stole here account information so she goes in there to let them know, we ask to speak to the manager Matthew Davignon at this branch so we can get this all cleard up. He pulls my mom into the side room tells her their going to close the account, and not open up another one, and that their going to hold her money tell this gets cleard up. So then they close the account every thing got cleard up and they still havint gave her what was left in the account over 800.42 dollers their holding on to her SSI check she cant even pay her rent. We went in their today he again yelled told my mom she cant have her money, and their charging her fees after the account was closed like a week ago. this manager is a vey rude guy, stuck up, and dont care about nothing but taking elderlly peoples money. Dont go to this bank they are bad. A bunch off stuck up people that just care about how they look, and who they can cheat ou of money!!! Be aware stay away!! and people on SSI dont go in their they treat you like crap. Stay away from the manager "Matthew Davignon" from this branchh on W. Charleston Blvd Las Vegas!!! I cant beileve this that they wont give my mom her money.

* this reviewer has be with this bank for <6 months
* this reviewer had 1 - 2 banks before.
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Account
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by jahlove, Aug. 14, 2010

One of the worst customer service ever,I wanted to closed my debit account because of activities I didn't approved of,so after I made a car payment I wanted to closed that debit account I was told by the same not so gentleman that he was not supposed to be at work today and instead of him closing my account, has i've requested he told me to signed in and some one will help me.I've a member of bank of america for over 8 years with with a debit,savings,credit card,small business,and a car account and thats the treatment I received for being a member,stay away from the bay colony branch 62 North Federal Highway.

* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 1 - 2 banks before.
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customer
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by maxwellsmart, Jul. 21, 2010

Terrible customer service and shady business practices. I asked for transactions to be disallowed if I didn't have the available funds so I wouldn't be charged the $35 overdraft fee. What they DID NOT tell me was this does not apply to checks which resulted in getting $300 worth of overdrafts in one month. Worst bank ever. I could not reach them over the phone all day and eventually had to go all the way downtown and wait a half hour before they told me they couldn't help me. College students, avoid this bank!! Go to the credit union across the street.

* this reviewer has be with this bank for 1 - 3 years
* this reviewer had 3 - 5 banks before.
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Poor service
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by Petec12345, Jul. 21, 2010

A good example of poor service is when they won't even post their phone number so you can contact them.

* this reviewer has be with this bank for >10 years
* this reviewer had 3 - 5 banks before.
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RUDE!!!!!!! 3500 San Pedro
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by gmd289, Jul. 15, 2010

I'm a college student that just wanted direct deposit and to apply for a credit card at this San Pedro location. The lady representative (N.D) with the glasses and ugly facial expressions looked down on me just because I was young(20 years old). I am a customer just like everyone else. I've been living on my own for 3 years now and I don't deserver to be talked to like I'm stupid. Why do Old people have to do that? She asked me if I had a job after I just got done setting up my direct deposit.Hello? She didn't tell about the student plans they have or nothing. she just assumed I was a retard? I know other banks that would love me to set up direct deposit and apply for a credit card with them!!! I felt I was mistreated and if it wasn't for CUSTOMERS like me  SHE WOULDN'T HAVE A JOB!   

* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 1 - 2 banks before.
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Past customer
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by Divorced, Apr. 09, 2010

Rude service-poor consumer service by the Branch manager in Oak cliff branch, dallas, texas

* this reviewer has be with this bank for >10 years
* this reviewer had 3 - 5 banks before.
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