- Report: #147468
Report - Rebuttal - Arbitrate
Complaint Review: Bank Of America
Bank Of Americabankofamerica.com Flower Mound, Texas U.S.A.
Bank Of America ripoff, online, inconsistent service, bad information, bad customer service Flower Mound Texas
*Consumer Comment: Is online banking even safe??
*Consumer Suggestion: I think you can see now that electronic banking simply does not work. So, why do you still insist on using it?
*Author of original report: the history behind all my disgust with BOA
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I advised them I wanted to close my checking account with them. The agent who answered advised that the balance was 375 (and change)
And that there was still a pending transaction of 17USD, so he recommended that I did not close the account because if I did, once they received
The transaction the account would again open. I advised him to leave as is and asked how I could get my money since I am out of the state.
He advised to go to an ATM and take the money out and that the remaining change they would then transfer to my credit card account. I asked what amount I should take out and to make sure there were no other transactions pending. He advised to take 340USD out And that I would be left with about 6USD and they would then transfer to the credit card. I did this immediatelyThe next day
I check my account and it shows NSF fees for the 340USD the agent told me I had. I called them again and they advised that I did not have That money to take out. There were 3-4 transactions that were PENDING (but not posted as pending on their website) that they had Actually posted to the account the day before, but did not show as posted or did not deduct from the 375, so again, I was charged the NSF fees. I decided to leave the account as it was, as my direct deposit check would be arriving on Friday. On Friday my check was POSTED And I made a transaction to the Bank of America credit card and another to Shurgard. After a few hours, I check the account and now ALL transactions, including my check show as pending. I called Bank of America again and spoke with an agent which advised he did Not know why my check was shown as pending. He transferred me to a supervisor who advised me that it would show as pending Until Midnight and to check back later. Later in the evening I checked my online account again and my checking account was not even displayed.
Also, my Credit Card account which was displayed, did not show I had made a payment, even though it had already been deducted from my account. The agent I spoke with said that the account was closed and that's why I did not show it. I told him that NOBODY authorized them to close
The account and he advised that it was closing. I asked to speak to a supervisor and spoke with Valerie Jennings in Florida.
Valerie ASSURED me that the account was not closing. I told her that I wanted the name of the agent that had transferred me, as this Was the type of problem I had been having for days now. Everytime I callled, the agents gave me different information. I explained To her the issue with the NSF fees when I first tried to close the account. She advised that she would reimburse me those fees, As it was obvious that someone had given me that information, etc. Again I asked her why I could not see my account and she advised That it was probably something technical and she would have someone contact me within 24hours. I asked her how could I possibly Believe her over the other agent and she advised that she did not know why the agent had told me that, but that the account was not closing. That the funds were available and once the techinical support people contacted or I rebooted my computer, I should be able to see the balance.
This morning I woke up and was going to use my ATM card again. So I checked the online banking and my account was still not displayed.
Because I was afraid that it would be declined at the ATM machine and/or BOA would again try to charge me NSF fees, I contacted them again. This time I spoke with Mariam (in Florida) who advised me the account was in the process of closing. I told her that I spoke with Valerie The night before and she assured me it was not. I asked for her full name and asked to speak again to a supervisor. She would not Provide me her name, but advised that this was all happening because I had been abusive to them. I'm not sure how they expect A customer to remain calm when for four days everytime I call, I get a different answerand of course, they are playing with MY money.
Finally, she transferred me to another supervisor and did not give me her name. The new supervisor was Lori McWilliams in Florida.
I told Lori the problems I had been having and she advised the account was in the process of closing. I told her to please contact Valerie Jennings, also supervisor in Florida, as she had assured me the night before the account was NOT closing. She advised she Would not do that and that because I had been so abusive they made a decision to close the account. I told her that Valerie
Had NOT told me that was going to happen, that instead she assured me that I had been given incorrect information. By the way, I have lived out of the state since October 2004 and have given my new address twice to BOA. They agent I spoke with before Valerie Told me they only had my old addressI told him I had already had this problem with the credit card and checking acocunt before
And had given them my new address and that I was receiving all my mail from them for both accounts at my new address.
So, anyway, I asked Lori to PLEASE get Valerie for me and she advised she would not get her or talk to her, that I just needed to Wait until the account closed. I asked her how was I supposed to get my money and she advised they would send it to me.
Obviously did not tell me how long they plan to keep my money, but just said that there was nothing she could do, nothing she would Do and that was just the way it was.
I am so amazed that this kind of behavior and customer service is tolerated from Bank of America. I have seen numerous complaints Against them on the internet because of these same type of situations. I want my money IMMEDIATELY, not when they feel like sending it to me.
I had not had problems until I told them I planned to close the account. Once I told them that, then all the problems started happening.
I need this issue resolved immediately and will do anything that needs to be done to ensure this does not happen to anyone.
flower mound, Texas
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This report was posted on Ripoff Report on 06/25/2005 07:56 AM and is a permanent record located here: http://www.ripoffreport.com/r/Bank-Of-America/Flower-Mound-Texas-75028/Bank-Of-America-ripoff-online-inconsistent-service-bad-information-bad-customer-servic-147468. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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