I apologize in advance for this post. There is not going to be venting or snark about politics, personal, polemic or otherwise. I haven't found an image of jesus or the virgin mary on my debit card, I'm just pissed off, and wanting to exact petty vengeance via this very small soapbox by adding a single digit to the google returns for "Bank of America Sucks." If you don't want to hear my bitching, don't worry, I've hidden it after the jump.
I could go on and on about the customer serving phone computer blackhole, the end of interpersonal communication or local businesses, but all I want to say is that Bank of America sucks, and here's way too much detail about why:
BOA does suck, and my reasons are small and petty (though they've been adding up since Bank of America swallowed Fleet Bank, a slightly smaller meglomanical, infinitely less suckfull bank). In fact, my reason is very petty $19. That's the overdraft fee I was charged because while Bank of America (and I) slept, the banking trolls determined that my account had insufficient funds for a couple of hours before my payroll direct deposit posted and after a charge of $40.49 posted. Though no representative of Bank of America will tell me what exact times each transaction occurred, they assured me that they know that the bad one came first, and that even though they have no specific record of it, they can assure me that I had a negative balance... for an undetermined period of time.
Ok, you say, it's a technicality, but I did overdraw my account. Shame on me for my irresponsibility. I do have further reason for annoyance. I have two other accounts with the same omniscient meglomanical bank. Both had plenty of funds to cover $40.79. I was told that both were linked to my checking account - that all three accounts were happily linked. But apparently that reassurance was meaningless because I opened one account in one state and another in another. (that sentence makes more sense than it seems to... really - I reread it.). So even though I had plenty of money in different accounts, the bank did not cover my transaction because... well, I don't know. I didn't say the magic word... i didn't say pretty please? Perhaps they assumed I wouldn't want to deplete one account for the other. That I was mad at the one account, and wanted to punish it. Maybe I was feeling generous, and meant to give BOA that fee as a tip.
Other BOA Haters:
Bank of America SUX (Message board)
$12.78
Tell your own story
Skank of America
Jay Allen
BOA Still Sucks
Sucking Through Snail Mail
Stingy with change
Rate the Suckage
Has anyone checked out the new BoA security system for online transactions. After searching high and low for the best security system around, they actually bought the company that came up with and patented this pile of crap. You spend ten minutes selecting a picture, that is saved to your hard drive as a cookie. When you log in, THEIR website searches YOUR computer for the file. If it doesn't find it, it won't let you log on.
Sounds fair play you say?
Well, this "high tech" system never worked for me at all - every time I log in, I need to spend 10 chuffing minutes of my time selecting a picture. I emailed to complain. The response I got was baffling. Their "expert" told me that the system only works if their cookie stays on your computer. As I have my home computer set up to not accept cookies from anyone as they are devious little programs that spy on your every move, the system wouldn't work.
THEIR SOLUTION? They told me to TURN OFF the security measures I have installed on my computer to protect my personal information, and my privacy so that their security system could function properly and allow me free and unrestricted access to my money!!!!
Pure Genius!!
Posted by: Jack | January 03, 2006 at 08:48 PM
Cookies are not programs, and I've never seen an image get directly stored. There might be a reference to an image on BofA's servers. Cookies can be used for malicious purposes, but most the time they're used for tracking users on site security systems. It allows the servers to track a web session. There are other methods of doing this, but they're less reliable. So, you can go off on me for putting cookies on your computer because for the last 6 months I've been working on one of these silly systems.
BTW, I totally agree that BofA's system is just about the most annoying security system I've used. Thankfully, I'm in the process of moving all my accounts to USAA.
It's a real shame BofA was a great bank before Nations Bank swallowed them whole back in the mid '90s and took the name. I have an Aunt in San Francisco who won't stop complaining how the North Carolina company (Nations) ruined their laid back west coast culture at BofA.
Posted by: Dennis | January 13, 2006 at 08:59 AM
News for you, bofa does sucks. their employess, at least most of them, have tons of salary doing shit, and have no clue of customer service. if i were you, i would withdraw my fund before something do happen.
again, MOST employees, NOT ALL. also, avoid any investment products from bofa. their analysts are bunch of i-fund expert, who got rejected from other IB firms, like citibank, goldman and other real IB companies.
do you know why they tag you with hefty charges with small chump return??? ask their salaries, that’s why….
Posted by: andres | March 12, 2007 at 03:54 AM
BOA definitely sucks. My girlfriend and I both used it for a few months, but the fees were annoying. The same thing happened with us with an account that was linked that was opened in another state not covering the overdraft. They said the linked accounts from other states can't cover overdrafts, even though it was set up by them to do just that.
The final straw was when my girlfriend made a cash deposit at the counter in the bank one morning, then we went shopping and her card was declined. We called to find out why and they said there is a 3 day hold on all cash deposits. Yeah, a 3 day hold on cash. We asked for what, it's cash, and they told us it's their policy to make sure the cash isn't counterfeit and that process takes a few days. We didn't deposit millions of dollars, I think it was like $300. Anyway, we closed both our accounts that day.
Posted by: adam smith | July 17, 2007 at 11:11 AM
Please stand with me and United Law Group and send an email to Bank of America that states that we will no longer tolerate their potentially illegal, fraudulent, irregular and abusive business methods.
Divided we might have fell America, but united we must stand!
Please send your email directly to Bank of America and include the following:
1. Your name
2. Your complaint concerning your experience with Bank of America.
3. Please end your email “I support John Wright vs. BofA Lawsuit!”
4. Please send a copy of your email to johns-wright@hotmail.com
5. Please send your email to both BofA link below and the CEO email
BofA Linked Email:
https://www3.bankofamerica.com/contact/?lob=general&contact_returnto=&state=VA
CEO Brian Moynihan:
brian.t.moynihan@bankofamerica.com
Posted by: John Wright | April 17, 2010 at 05:20 PM
If it walks like a piggy, talks like a piggy, by golly it’s a PIGGY!
BofA and it’s CEO Brian Moynihan reminds me of that song by John Lennon and George Harrison titled "Piggies" I invite you to listen to this song on youtube and see if it appropriately fits.
http://www.youtube.com/watch?v=sXdKlpBOvs0&feature=related
Have you seen the little piggies
Crawling in the dirt
And for all the little piggies
Life is getting worse
Always having dirt to play around in.
Have you seen the bigger piggies
In their starched white shirts
You will find the bigger piggies
Stirring up the dirt
Always have clean shirts to play around in.
In their ties with all their backing
They don't care what goes on around
In their eyes there's something lacking
What they need's a damn good whacking.
Everywhere there's lots of piggies
Living piggy lives
You can see them out for dinner
With their piggy wives
Clutching forks and knives to eat their bacon.
Wright vs. Bank of America Lawsuit at: unitedlawgroup.com
When I filed my lawsuit against Bank of America, myself and United Law Group thought of the many others out there in the same situation. It was then that we decided to educate the public on what these piggy banks are doing, as well as unite us all together as one voice. Please help me turn this David vs. Goliath modification process, into a Goliath vs. Goliath.
Please stand with me and United Law Group and send an email to Bank of America that states that we will no longer tolerate their potentially illegal, fraudulent, irregular and abusive business methods.
Divided we might have fell America, but united we must stand!
Please send your email directly to Bank of America and include the following:
1. Your name
2. Your complaint concerning your experience with Bank of America.
3. Please end your email “I support John Wright vs. BofA Lawsuit!”
4. Please send a copy of your email to johns-wright@hotmail.com
5. Please send your email to both BofA link below and the CEO email
BofA Linked Email:
https://www3.bankofamerica.com/contact/?lob=general&contact_returnto=&state=VA
CEO Brian Moynihan:
brian.t.moynihan@bankofamerica.com
Posted by: John Wright | April 17, 2010 at 05:20 PM