If I could give -5 stars I would.
This is the worst, least customer service oriented corporation I have ever worked with in my life. E-V-E-R!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
A rundown:
Started an account and wanted a higher interest rate so I chose a Market rate SAVINGS account. The bank manager set me up with over-draft protection and I went home happy.
Got an over-draft fee. WTF.
Called the customer service number. Was told that my bank account was not eligible for over-draft protection because it was actually a checking account called a Market Rate SAVINGS account. The fees stood. WTF.
Received a notice in the mail (from BOA I thought) saying that there had been a lawsuit for over-draft fees.
Called the customer service number again. Spoke with an agent who cheerfully remarked "oh, that's silly that your account isn't set up for over-draft protection. Let me take care of that" and refunded me the fees.
Got an over-draft charge. WTF.
Called and explained that I had been told by a rep that my account was eligible for over-draft protection. Was accused of lying because the system said that the fees had been refunded based on a "courtesy" as opposed to a "bank error", talked through the most laughable investigative process and told that the fees stood - there was nothing I could do to change it. WTF.
About 5 WTFs and several hours on the phone in, I realize that every transaction that is not a WTF transaction has been an error. I now see that Bank of America is the kind of financial institution that will find any manner of unethical ways to profit from the little folks so they can bask in their spoils from the sweeping veranda of their Italianate mansion in Saint Tropez, cognac in hand...or at least fund the exploitation of 3rd world countries the world over. Despicable.