I DETEST Bank of America

No hatred toward BofA.  Banked with them for 2 years while living in Phoenix.  With our current bank we had 6 checks overdraft our account because they were mistakenly written from the wrong checkbook.  We got them to credit us 4 of the overdraft changes back to us, at $33 per charge.

When I see investment info on the white board at our bank that tells about setting up IRA with a money market account, I put ZERO faith in investment advice from my bank.

Sorry to hear about the issue Lisa.

Maybe he felt that they needed $35 to offset the write-downs that they have to take as a part of extending mortgages to unqualified buyers. 

For customer service, you can't really beat your local credit union.  I've always found CUs to be much more service-oriented.

However, if you do a lot of internet banking (like I do), BofA's user interface is the best on the market.  I've tried M&T and Wachovia's interfaces and went back to BofA because the others were too cumbersome or not intuitive enough.

We almost missed the closing on our home due to BofA. We needed to get pre-approved for the loan fast, so we filled out the online form. Well, that cuts out the chance to use the local branch. The loan officer was supposed to send all of our forms to the closing person but didn't...and that entire office went out of town to a conference. Talk about dropping the ball! We didn't know until our Title office called and said they didn't have the paperwork. Our realtor got on the phone and finally figured out what happened and got the paperwork to the closing guy for the following day. We were down to the wire and couldn't miss our closing. We had already sold and closed on our previous home and moved, so we were literally homeless. My realtor and I left these long messages on the closing guy's phone explaining all of this, and thankfully the next day he processed everything right away and got the loan papers to the Title office. I don't ever want to move again for a long, long time.

On the other hand, when we applied for a home equity line of credit at our local BofA branch, the agent was very nice and helpful. We explained to her what happened with our closing (which is why we will only go to the local branch) and she apologized on behalf of BofA, which was nice of her since she had nothing to do with any of it.

Sorry to hear that. It is amazing how companies spend MILLIONS to recruit new customers, but have no qualms about screwing over existing customers. My favorite is when THEY mess up and then tell me that they with take off the fee "as a courtesy." One time w/ Banco Popular (car loan) the guy was telling me that and even though it was a moot point, I argued with him until he admitted that his removal of the fee wasn't a "favor to me." (moral victory)

One bank to SERIOUSLY avoid is Banco Popular. I have a handful of payments on a car loan with this idiots and am considering taking my bonus and just paying off the loan b/c these guys are total f!-up. I've spent more time arguing with them about THEIR failure to process my payments and on 3 occasions LOSING my payments even though I was able to provide physical proof they had and cashed the checks.

On the other hand, I've been very happy with HSBC. Aside from calling the customer service hotline and getting a clueless person in Bangalore, they've bent over backwards to resolve problems I've had.

--

the other industry I don't understand are phone companies - they'll bne

Sorry to hear that.  Key Bank sucks as well.

When my wife and I were moving into our home, we had a certified check from Key about 4 days prior to the move.  On the morning of move, I went to rent the Uhaul truck, only to have my debit card denied.  Come to find out, Key had indavertantly put a freeze on our account FOR NO REASON.  And when I called them on it, they couldn't figure out why it happened or how to release the freeze.  They could only put a temporary deposit into my account so I could get to an ATM and take enough money out to pay for the trunk and any other expenses for 3 DAYS (the time the freeze would expire).

 Only one of MANY issues we've had with the bank, can't wait to switch.

Couple of things.  If you have any kind of Military background or ANYONE in  your family does, go with USAA.  They can't be beaten in my opinion.

We have a BOA account from when I was in college.  We use their online banking.  What I can't fathom are the people that actually go INTO the bank.  I stepped into the bank for the first time in over 2 yrs this weekend.  And that was because the ATM wouldn't take a Canadian check.  I don't use the drive thru either. 

BUT what I do HATE about BOA is that they are always trying to sell you something.  I have a mortgage...it's at a better rate...STOP ASKING!!

GatorGirl22 - 2007-12-13 11:13 AM Believe it or not, I've actually calmed down quite a bit from this morning. I will probably end up banking where I work...it just sucks that I've been with B of A for so long, and I really don't want the hassle of switching. Thanks for all your suggestions, and horror stories from other banks. They make me feel better (in a sick way)

I hear ya,  I told my wife the other day that if we had to switch banks it would take forever to unwind.

We have all our fixed bills on autopay. I haven't written a check in years.  All of the mortgage and cars.

Basically the situation was, I transferred money from my ING bank account (online bank account) to my B of A checking acct., since the checking was getting low. Usually ING takes about 2-3 days to transfer the money to another account. Well, this time it took longer than usual....and I wound up overdrafting like $40. BUT- the point was that I called B of A (several days ago) to let them know the situation and the person I talked to assured me I would not get the overdraft charges because the 1 item that was overdrafted was "pending" and not "posted" - and since the funds from ING got there in time before the item became "posted", I wouldn't get charged.

So because this idiot didn't make a note in my account about this, there is no proof that he promised no fees....just one person's word against another.

I realize $35 is not a big deal in the grand scheme of things, but it's more about the point that customer service has gone to the crapper...

Bingo. I love my community CU. We have all our accounts and our mortgage with them and they are spectacular. Whenever we have an issue, someone there just drops everything and takes care of it.

I had a similar problem to yours at a big bank (1st National on the Colorado Front Range). I just really don't think they care much. They just want your $35 bucks and for you to leave them the hell alone.

All this stress has just caused me to eat 2 peanut butter/chocolate balls. I am such a stress eater, it's not even funny. And I was doing so good on my diet.

hahahaha.. I don't know why this seems so funny to me, but I'm totally giggling.  Some people are SO STUPID!  I bet the security officer was on your side.