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| - Hmph. Can't do negative stars, can't do 0, so 1 will have to do. I could write a novel on all of the terrible things that BofA has perpetrated on my wife and I. Since this location is where I had my final straw before closing my account, it will take the brunt of my anger.
Ready for the novel?
Let me preface by saying I never wanted BofA. I had Fleet in Boston which is my favorite bank of all time (I've had accounts with 6 banks, just from moving so many times). They were so good, apparently they didn't make enough money (as they don't nickel and dime you) so BofA bought them out, and it went downhill for me fast.
1. I had a totally free checking account with Fleet - no monthly fee, no ATM fees, no fee to see a human teller at the bank, nothing. BofA transferred my account as a free account. Then a few months later they changed it and started charging me a monthly fee. Then a few months after, they started hitting me with ATM fees - every time I used a non-BofA ATM, not only did I have to pay the fee at the ATM but then BofA was kind enough to tack on a $2 charge. I'd get hit with $4 or more total if I needed cash and couldn't find a BofA ATM where I was. Then, when I got married, I had a lot of checks from gifts I had to deposit so I went and saw an actual teller to deposit the checks, and they charged me for that.
2. I had a savings account with Fleet that I used to save for wedding costs. It became BofA before I got married. When I got married, I emptied the savings except for like $75. 6 months after getting married, I got a letter in the mail saying my SAVINGS ACCOUNT had gone NEGATIVE. Huh? I checked back through my old statements, I had just been glossing over the savings account information, only to find out they had been charging me $15 a month for not meeting a minimum balance. ON A SAVINGS ACCOUNT. I called them up and had them refund me back to $0 and closed the account. Get this, the woman asked me if I wanted to set up a "free savings account". I HAD ONE AND YOU STARTED CHARGING ME ON IT!
3. I tried to use their "free" online bill pay once. I had a bill due a few days after I got paid, so I set it up to pay the day after I was paid. To my surprise, BofA deducted my account for the payment A WEEK IN ADVANCE. It left me with pennies to my name for a week. I called and complained and was told it was standard practice. Never used their online bill pay again.
4. When I got married, my wife closed her account and I put her on mine as a joint account. Except since we hadn't yet received her new social security card or gotten her a new driver's license, we put it under her maiden name. Once she had all the proper documentation, we tried to change her name. They issued her a new debit card with her old name. Three times she tried to get the proper name on the debit card and three times they sent her one with her maiden name on it. As if that wasn't bad enough, somehow they changed the account that was originally under my name to be a joint account under her maiden name and under her married name, and my name disappeared from statements completely.
5. The final straw came when we accidentally overdrew our account. Somehow our out of state rent check cleared in 3 days instead of the standard week! I put the check in the mail on Saturday. On Monday, I checked my account online and I had money. On Tuesday, same thing. On Wednesday, same thing. On Thursday, I checked my account and not only had the rent cleared overdrawing my account, but they back-dated it to Monday and hit me with overdraft fees on the 10 small purchases I had made Mon-Wed (gas, lunch, whatever). $250 in fees! So I went in to this branch to complain and DeAnn was less than helpful. In fact, condescending. I just wanted an explanation of why they screwed me so hard by backdating the check clearing when they could have just cleared it properly and hit me with a single $25 overdraft fee. What I got was a lecture on finances. Thanks DeAnn, I'm very good with money, this is the first time in my life I've overdrawn an account, I don't need your lecture. I need an explanation of why I'm being charged $250 for what should have been a single overdraft. "There's nothing I can do, you should budget properly." Budgeting properly has nothing to do with the way the bank is messing with the dates to screw me. Then, the icing on the cake, "If you want I can set it up so that an overdraft simply charges your credit card and you don't get hit with fees." WHAT?! NOW YOU TELL ME THIS?! Funny thing, I had this when I had my account with Fleet, apparently BofA decided to not transfer that aspect of my account over, even though I have a credit card through them that shows up on the same statement as my bank account!
So long story long, I immediately pulled my funds from BofA, opened an account with WaMu, and have been slightly less stressed.
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