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Report: #1464621

Complaint Review: Bank of America

  • Submitted:
  • Updated:
  • Reported By: David — Dallas United States
  • Bank of America United States

Bank of America Bank of America will not help you if you have a problem. Nationwide

*Consumer Comment: Not a Valid Complaint

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Bank of America makes it almost impossible to get through to them when you have a problem. Everytime you call they have some pre recorded  excuse that all of thier customer service agents are busy no matter what time of day you call. Then after you wait for 30 to 60 mins on hold they will find some way to transfer you, hang up on you , or just won't help you. They are so bad that if you send a check through their banking system they will pull the money out of your account before the check has cashed. So if your check is never cashed Bank of America keeps your money and never informs you.

All I can say is stay away from Bank of America like the plague

This report was posted on Ripoff Report on 10/15/2018 03:59 PM and is a permanent record located here: https://www.ripoffreport.com/reports/bank-of-america/-/bank-of-america-bank-of-america-will-not-help-you-if-you-have-a-problem-nationwide-1464621. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Comment

Not a Valid Complaint

AUTHOR: Jim - (United States)

POSTED: Tuesday, October 16, 2018

Everytime you call they have some pre recorded  excuse that all of thier customer service agents are busy no matter what time of day you call. Then after you wait for 30 to 60 mins on hold they will find some way to transfer you, hang up on you , or just won't help you.  Welcome to the world.  This is pretty much just like any other bank.  You may actually spend less time in a branch dealing with a problem than going through the phone.  I suspect it was never intended to work that way, but...that's the way it often seems to work.  BTW, transferring you is also pretty standard.

They are so bad that if you send a check through their banking system they will pull the money out of your account before the check has cashed. So if your check is never cashed Bank of America keeps your money and never informs you.  Correct.  And?  If you send a check through the banking system, then yes the bank would deduct the check.  Let's review why:  You requested the check be drawn from your account, and if you requested it, then why should it not be deducted from your account?  If you are unable to deliver the check in person, then sending the check in the mail assumes more risk:  the check could certainly be lost through the mail (the USPS does lose or fail to deliver mail with more frequency), or the entity to whom the check was mailed to may lose it even though they have received it.  Either way, that isn't the bank's fault.  You chose the method of payment, and it does happen to be one of the riskier methods of making payment because you have no ability to verify whether payment was ever received unless you receive a call from whoever you sent the check to confirming its receipt.

Now, there are other options you could have exercised to avoid this sort of risk:

  • Actually writing a paper check out of your own account
  • Sending the funds as an ACH to the person or entity's account with a reference to whatever it was you were paying.
  • Wiring the funds to the person or the entity's account with a reference.

In the future, you may wish to initiate an ACH; the service is often free and the risk is minimal.  Best of luck...

 

 

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