| rev:text
| - I've been using this branch for several years. What can you really expect from a bank? Aren't they typically impersonal, aloof and indifferent?
This bank does have one teller, Ms. Kitchens, who smashes the stereotype. She's very sweet, helpful, and knowledgeable. There is no future for her in banking.
I would have switched to Washington Mutual a long time ago except that it's a pain to switch banks. I applied for a car loan online and it was denied the instant I clicked the mouse. Click-DENIED. How is that possible? I've never had the slightest problem getting credit. Suspecting a glitch, I tried calling my branch. You can't get through. It takes hours.
I spoke to a jerk. I explained the situation. I have more money in the bank than the amount of the loan. Any suggestions?
He talked to me like he was dealing with a welfare cheat. He said I could apply again but it would hurt my credit rating. Too many inquiries. I don't want to apply again. Can someone review my application? We can't do that blah blah blah--a smokescreen of anti-customer jargon. "You must have something wrong with your credit history," he advised. You're probably a deadbeat, in other words.
What kind of scenario would have made me happy? "I see Mr. Q . that you've been banking with us for 12 years and you have more money in your account than the loan you applied for. We certainly appreciate your business. Let me check on this and I'll get back to you." I'm dreaming, right?
The bank sends you a form letter with an 800 number to find out why you didn't get the loan. I didn't bother. I ended up getting a loan elsewhere with better--that's right, BETTER--terms.
After 12 years of banking with B of A they let me down the first time I asked anything of them. Apparently they have an algorithm that evaluates your record and renders a decision in milliseconds. That's all I was entitled to. It wasn't anything personal.
I didn't close my account on principle because it doesn't make any difference to them. They don't have an algorithm for angry customers. It would just mean more inconvenience for me.
Any bank will give you the same treatment. Their strength isn't serving you; it's dreaming up outrageous new fees for granting you the privilege of depositing your money with them.
UPDATE: I finally closed my account. Never again. I went with Wells Fargo. Not that they're any better. They're all thieves. Wells Fargo says their free checking will never change. We'll see.
I feel good about breaking with B of A because of their shameful conduct in the mortgage meltdown. They're all about throwing people out of their homes just to secure fraudulent profits. Shame on them. I urge all yelpers to boycott B of A, an institution that should have failed. Thank you.
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