I had two accounts with B of A. One joint account with my boyfriend (I know, dumb) and one personal account. When after six years, my boyfriend and I split up, I didn't bother closing the account and, what do you know, he decides to suddenly start writing bad checks with the joint account. This resulted in not only the closure of the joint account, but my personal account as well. Blindsided, I contacted B of A to find out what I could do to get my name cleared.
The risk management department at this particular bank is utterly awful. They kept accusing ME of writing the checks (checks that involved my boyfriend's other bank that I had nothing to do with) and refused to assist me in any way of clearing my name. I paid Bank of America every cent my ex-boyfriend cost them, to the tune of $1,300. They still would not open my account AND they reported me to chexsystems anyway.
A month later I entered the branch I always used to cash my payroll check. The teller refered me to a bank account manager who told me as long as I didn't owe a balance, I could open an account again! I was thrilled because the not having a bank turned my online bill-paying/ordering impossible. The guy opened up both a checking and savings, (without asking me so I could participate in "Keep the Change") handed me a temporary ATM card, walked me up to the ATM, watched me depost 800 dollars in my checking and 100 in my savings, then sent me on my way with a pat on the back. The next day I'm at the market and my card gets declined. It was a Saturday. I go the bank and am told Risk Management had closed my account and would be holding my funds for two weeks due to the negative chexsystem item. They would be of no assistance in helping me with my money. 18 days later, they send me the money and it's $120 short.
I called Risk Management and another excessively rude employee started by nearly refusing to explaint he missing money, only to finally, afther threat of having a lawyer contact the, informed me that each account had been charged a $60 "Investigation fee". This bank doesn't deserve a government bail out. They should be put out of business where they belong. I got a copy of my ChexSystems report and there is no notation whatsoever about my having paid the amount owed in full. Where is the oversight?
Culver City, California