Comments on: BANK OF AMERICA SUCKS!!! http://www.ponzarelli.com/2005/09/25/bank-of-america-sucks/ The Pyramid of My Life Sun, 28 Feb 2010 20:46:47 -0700 http://wordpress.org/?v=2.8.6 hourly 1 By: Mike http://www.ponzarelli.com/2005/09/25/bank-of-america-sucks/comment-page-1/#comment-103346 Mike Fri, 10 Apr 2009 19:08:19 +0000 http://ponzarelli.com/?p=594#comment-103346 Wow. you were totally out of line here. your hissy fit only goes to show that there are some people in this world who arent happy unless they're miserable. I hope that in time you learn to change, otherwise its no wonder you get bad customer service, most people I know in customer service wouldn't stand for this and would have let you have it right away. Wow. you were totally out of line here. your hissy fit only goes to show that there are some people in this world who arent happy unless they’re miserable. I hope that in time you learn to change, otherwise its no wonder you get bad customer service, most people I know in customer service wouldn’t stand for this and would have let you have it right away.

]]> By: avatar42 http://www.ponzarelli.com/2005/09/25/bank-of-america-sucks/comment-page-1/#comment-102969 avatar42 Mon, 30 Mar 2009 23:39:18 +0000 http://ponzarelli.com/?p=594#comment-102969 I am SO pissed I am vibrating right now. Seems that when I called Bank of America on March 19th about their debt consolidation loan mailer (and was of course turned down as you NEVER get the rate the offer is for with them) they took it upon themselves to close both of the cards I have with them. Of course they did not see fit to tell me or send back the overpayment of $91.90 still setting in my account. In fact they just sent me checks to use to transfer money at 3.99% onto a card and their website shows both cards as still active! After having the card declined I called customer support which told me the account I was calling about was closed and asked if I'd like a check sent with the money they owed me. I asked why they had not done that already and he said "we hang onto it till you ask for it". BTW per my quarterly report from Discover my credit score as of March 10th was 777. One card had a $20500 limit and the other $17000. One can only imagine how they treat people with average credit. I also have cards with Discover, AmEx, Capital One, Household and 3 with Chase after mergers and I am not seeing this nonsense with them. Though Cap One has other privacy issues. (They gave my number to collection agencies looking for my ex-wife.) BOA is the same company that screwed me on a promotion last year. I transferred a balance onto one of their cards and signed up for e-statements. I setup automatic payments with my bank and forgot about it. Well they changed the due date so the first payment was 2 days late and raised my rate from 0% to 21%. As it seems that the email address I gave had issues AND oddly their Quicken interface seemed to fail about this time, AGAIN, it set there for a few months before I noticed Quicken was no longer getting data from them. By then I had racked up over $1000 in interest charges. At that point I transferred the balance to Chase. Note they did not bother sending a letter that the email account was not working till later. Before that I let them sign me up for a trial credit monitoring / protection service to compare it against Discovers service. I never heard ONE word from them and so I completely forgot about it. A year later they charged my account. Since I had not used the card in 3 months I did not look at that statement. And of course it is not updating Quicken AGAIN, though since I have not charged anything that would seem right. Anyway the next month I happen to check the statement and I see a late fee on it and call them up. It takes awhile for them to even route me to the right place to cancel this useless service. AND it will take them a few weeks more to reverse the charge. In the mean time I need to pay the $99 charge PLUS $46.25 in fees and interest to avoid another late fee AND ANOTHER nonpayment mark on my credit history! Note for the same cost, Discover's service sends me a quarterly summary AND a notice EVERYTIME someone queries my credit. This BOA partner could not even be bothered to let me know the service had started. BOA was supposed to do my final mortgage on the house I just built but I think I would go with even Citi Bank over them at this point. They did raise my purchase rate too but then all the cards are doing that these days. It is getting cheaper to get money from the mob than carry a balance on your cards. Dave I am SO pissed I am vibrating right now. Seems that when I called Bank of America on March 19th about their debt consolidation loan mailer (and was of course turned down as you NEVER get the rate the offer is for with them) they took it upon themselves to close both of the cards I have with them. Of course they did not see fit to tell me or send back the overpayment of $91.90 still setting in my account. In fact they just sent me checks to use to transfer money at 3.99% onto a card and their website shows both cards as still active! After having the card declined I called customer support which told me the account I was calling about was closed and asked if I’d like a check sent with the money they owed me. I asked why they had not done that already and he said “we hang onto it till you ask for it”. BTW per my quarterly report from Discover my credit score as of March 10th was 777. One card had a $20500 limit and the other $17000. One can only imagine how they treat people with average credit. I also have cards with Discover, AmEx, Capital One, Household and 3 with Chase after mergers and I am not seeing this nonsense with them. Though Cap One has other privacy issues. (They gave my number to collection agencies looking for my ex-wife.)

BOA is the same company that screwed me on a promotion last year. I transferred a balance onto one of their cards and signed up for e-statements. I setup automatic payments with my bank and forgot about it. Well they changed the due date so the first payment was 2 days late and raised my rate from 0% to 21%. As it seems that the email address I gave had issues AND oddly their Quicken interface seemed to fail about this time, AGAIN, it set there for a few months before I noticed Quicken was no longer getting data from them. By then I had racked up over $1000 in interest charges. At that point I transferred the balance to Chase. Note they did not bother sending a letter that the email account was not working till later.

Before that I let them sign me up for a trial credit monitoring / protection service to compare it against Discovers service. I never heard ONE word from them and so I completely forgot about it. A year later they charged my account. Since I had not used the card in 3 months I did not look at that statement. And of course it is not updating Quicken AGAIN, though since I have not charged anything that would seem right. Anyway the next month I happen to check the statement and I see a late fee on it and call them up. It takes awhile for them to even route me to the right place to cancel this useless service. AND it will take them a few weeks more to reverse the charge. In the mean time I need to pay the $99 charge PLUS $46.25 in fees and interest to avoid another late fee AND ANOTHER nonpayment mark on my credit history! Note for the same cost, Discover’s service sends me a quarterly summary AND a notice EVERYTIME someone queries my credit. This BOA partner could not even be bothered to let me know the service had started.

BOA was supposed to do my final mortgage on the house I just built but I think I would go with even Citi Bank over them at this point.

They did raise my purchase rate too but then all the cards are doing that these days. It is getting cheaper to get money from the mob than carry a balance on your cards.

Dave

]]> By: Silence http://www.ponzarelli.com/2005/09/25/bank-of-america-sucks/comment-page-1/#comment-1325 Silence Tue, 22 Aug 2006 00:47:11 +0000 http://ponzarelli.com/?p=594#comment-1325 It sounds like an automated email system not an actual person.....so it's run on basic recognition. It should of asked you if you want to call for a live chat with a representative (which i highly recommend). It's just a machine....talk to a real person and see if they're really that bad. Trust me it will work =) It sounds like an automated email system not an actual person…..so it’s run on basic recognition. It should of asked you if you want to call for a live chat with a representative (which i highly recommend). It’s just a machine….talk to a real person and see if they’re really that bad. Trust me it will work =)

]]> By: Anonymous http://www.ponzarelli.com/2005/09/25/bank-of-america-sucks/comment-page-1/#comment-647 Anonymous Mon, 12 Dec 2005 18:52:30 +0000 http://ponzarelli.com/?p=594#comment-647 You: This completely blows my mind to be honest. I'm going to blog this conversation. I HAVE TO. You: Any last words on the behalf of BofA - this is going to be posted on the web thats the most annoying thing I think anyone in the world could possibly say. do you often make threats of blogging? I have newfound respect for BOA reps, dealing with this. You: This completely blows my mind to be honest. I'm going to blog this conversation. I HAVE TO.
You: Any last words on the behalf of BofA – this is going to be posted on the web
thats the most annoying thing I think anyone in the world could possibly say. do you often make threats of blogging? I have newfound respect for BOA reps, dealing with this.

]]> By: Loki http://www.ponzarelli.com/2005/09/25/bank-of-america-sucks/comment-page-1/#comment-646 Loki Sun, 13 Nov 2005 21:13:41 +0000 http://ponzarelli.com/?p=594#comment-646 Well i use B of A (for now) I have had problems but mainly with the Check Card. But on the issue of online support it does exist in the online banking centre buty you need a login which you can get from useing your B of A card infomation (debit or credit) and use a "secure" email from there and they reply pretty fast. Well i use B of A (for now) I have had problems but mainly with the Check Card. But on the issue of online support it does exist in the online banking centre buty you need a login which you can get from useing your B of A card infomation (debit or credit) and use a “secure” email from there and they reply pretty fast.

]]> By: michaelo http://www.ponzarelli.com/2005/09/25/bank-of-america-sucks/comment-page-1/#comment-645 michaelo Tue, 08 Nov 2005 19:29:23 +0000 http://ponzarelli.com/?p=594#comment-645 Is it just me, or has anyone else considered the real possibility that "Jason" is a bot? I've read through the chat session a couple of times now. I don't see any evidence to indicate that the responses were actually coming from a real live humin bean - and plenty to suggest that they're canned answers programmed into a cruddy AI system only marginally more flexible than Eliza (http://www.manifestation.com/neurotoys/eliza.php3). WDYT? Is it just me, or has anyone else considered the real possibility that “Jason” is a bot? I've read through the chat session a couple of times now. I don't see any evidence to indicate that the responses were actually coming from a real live humin bean – and plenty to suggest that they're canned answers programmed into a cruddy AI system only marginally more flexible than Eliza (http://www.manifestation.com/neurotoys/eliza.php3).
WDYT?

]]> By: Anonymous http://www.ponzarelli.com/2005/09/25/bank-of-america-sucks/comment-page-1/#comment-644 Anonymous Fri, 07 Oct 2005 19:13:36 +0000 http://ponzarelli.com/?p=594#comment-644 I love Bank of America. I've been with them for 15 years and have always accommodated me very well. Sorry to hear about your trouble. I love Bank of America. I've been with them for 15 years and have always accommodated me very well. Sorry to hear about your trouble.

]]> By: Spank A. Tolla http://www.ponzarelli.com/2005/09/25/bank-of-america-sucks/comment-page-1/#comment-643 Spank A. Tolla Wed, 05 Oct 2005 18:34:23 +0000 http://ponzarelli.com/?p=594#comment-643 The credit card business offers third parties incentives to have credit card applications filled out. Clipboard holding smilers at malls and amusement parks, college campuses, etc. They often approach you (and your ego) by characterizing it as a personal interview/questionaire on your opinion of the mall. Usually this kind of duping opens an account at the highest interest rate allowed by law. The credit card business offers third parties incentives to have credit card applications filled out. Clipboard holding smilers at malls and amusement parks, college campuses, etc. They often approach you (and your ego) by characterizing it as a personal interview/questionaire on your opinion of the mall. Usually this kind of duping opens an account at the highest interest rate allowed by law.

]]> By: susi http://www.ponzarelli.com/2005/09/25/bank-of-america-sucks/comment-page-1/#comment-642 susi Thu, 29 Sep 2005 03:07:01 +0000 http://ponzarelli.com/?p=594#comment-642 Right on, Ponzi, right on. As a former customer service rep, I understand that there was only so much JASON could do, but I'm sure he had a supervisor somewhere. But I suppose it's a lot easier for them to cheap out on online discussions. I don't think you were in the wrong, though. Customer service SHOULD be better, especially in such circumstances. That's just BAD customer service. And if Jason couldn't deal with it, he wouldn't be working there. He chose his job, he'll deal with it just fine. Right on, Ponzi, right on. As a former customer service rep, I understand that there was only so much JASON could do, but I'm sure he had a supervisor somewhere.
But I suppose it's a lot easier for them to cheap out on online discussions.
I don't think you were in the wrong, though. Customer service SHOULD be better, especially in such circumstances. That's just BAD customer service. And if Jason couldn't deal with it, he wouldn't be working there. He chose his job, he'll deal with it just fine.

]]> By: Anonymous http://www.ponzarelli.com/2005/09/25/bank-of-america-sucks/comment-page-1/#comment-641 Anonymous Tue, 27 Sep 2005 22:54:12 +0000 http://ponzarelli.com/?p=594#comment-641 Sorry, but as was pointed out, you are WAY out of line here, Ponzi. Maybe you were having a bad hair day, but you were really out of line with this poor employee. Nobody should have to deal with people that behaved like you, period. Like someone said, the chat feature was designed specifically for APPLYING for a new account. You were mis-using it, and grandstanding at that. Kind of like driving into a gas station, ignoring the "self serve" sign on the pumps and yelling that the attendant better "damn well pump my gas this mnute," or you are going to "blog them." You also obviously felt "insulted" by the interest rate based on your attack motions...as if someone of your special stature should get a lower one, along with the silver tea set. You should be genuinely embarrassed by your behavior. And I thought Chris was the one who had a huge ego and a superiority complex. Sheesh. Really sad and will probably just evolve into worse. Sorry, but as was pointed out, you are WAY out of line here, Ponzi. Maybe you were having a bad hair day, but you were really out of line with this poor employee. Nobody should have to deal with people that behaved like you, period.
Like someone said, the chat feature was designed specifically for APPLYING for a new account. You were mis-using it, and grandstanding at that. Kind of like driving into a gas station, ignoring the “self serve” sign on the pumps and yelling that the attendant better “damn well pump my gas this mnute,” or you are going to “blog them.”
You also obviously felt “insulted” by the interest rate based on your attack motions…as if someone of your special stature should get a lower one, along with the silver tea set.
You should be genuinely embarrassed by your behavior.
And I thought Chris was the one who had a huge ego and a superiority complex. Sheesh. Really sad and will probably just evolve into worse.

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