Anyone else here have bad mojo with Bank of America? I can't stand them, they get my blood boiling like nobody.
Episode 1: Spring of 2003
I went in to the local branch to close my account, didn't like their fees. I have about $60 in their hands. I asked for my money and was informed that there would be a $50 fee for closing my account. I did my best to ask for the manager without any profanity. The teller went back, I waited...and waited...'til she came back. She said, "Actually, the fee is $50 for each account," so to close my checking and savings I would OWE THEM $40!!. I was escorted from the branch by security. Without my money.
Episode 2: Summer of 2005
I just moved back to Tucson, and could finally cut my ties with the evil corporation for good (or so I thought). So I went into the local branch and worked out the paperwork to close my account. No fees this time, no explanation of their previous attempt to steal from me either. Although they were loathe to let go of my money I left with no official relationship to BofA. Or so I thought... One month later I got a statement of account from them. Apparently I owed them somewhere around $100. Their breakdown was something like this:
-$5 - fee for no direct deposit into checking account.
-$15 - overdraft protection fee (to transfer from savings)
-$5 - overdraft transfer to checking (from savings)
-$35 - fee for overdrawn account (savings)
etc...
It took me 2 or 3 months, countless phone calls, and a dozen visits to get them to reverse the charges and really close my account.
Episode 3: Summer of 2006
I received a nice birthday present from my sister (financially luckier than most of the population) in the form of a cashier's check...from Bank of America. My credit union wanted 10 business days to release the funds from me, so they suggested I go to BofA and get the cash. Ok, I'll try again. I got to the teller at BofA who informed me that because I didn't have an account with them, they would charge me a fee of 5% to cash the check. I kindly pointed out to her that the check was from Bank of America. "Doesn't matter," she said, "you don't have an account here, so you have to pay the fee."
Episode 4: Recent months. Final Chapter?
Sucked into the clutches of the dark side once again through a cleverly disguised credit card offer that I failed to notice was from BofA, I must deal with the evil corporation once again. I decided once again to purge them from my life, and called to pay off the credit card.
Listen to menu, press 5 to make a payment, more menu, enter your account, more menu, waiting, etc... fast forward 10 minutes or so, "To make a payment and accept the $25 fee for our convenient phone service, press 1." $25 for what?!? A computer that reads dial tones?!? Fine BofA, you've defeated me. If it means I'll be done with you, I'll pay. "1." Computer: "Thank you, your payment of $87.00 has been accepted." WHAT?!? $25 and I can't specify the amount? I immediately called and managed to find a real person, then that real person's real supervisor, who informed me that they would go ahead and take the full payment for me, but would have to charge a $25 fee for their convenient phone service.
Eventually I convinced them to drop one of the $25 fees, but they would not drop both. 
Fine. Make the payment. I kindly informed them that their service was awful, they were easily the worst corporation I've ever had to deal with, and that in a perfect world they would all die of cancer. (Ok, maybe I left the last part out.)
Well, I've just received my 3rd statement from them since that day that says I've not payed them.
I guess what I'm saying is, does anyone want to start a Fight Club?
Episode 1: Spring of 2003
I went in to the local branch to close my account, didn't like their fees. I have about $60 in their hands. I asked for my money and was informed that there would be a $50 fee for closing my account. I did my best to ask for the manager without any profanity. The teller went back, I waited...and waited...'til she came back. She said, "Actually, the fee is $50 for each account," so to close my checking and savings I would OWE THEM $40!!. I was escorted from the branch by security. Without my money.
Episode 2: Summer of 2005
I just moved back to Tucson, and could finally cut my ties with the evil corporation for good (or so I thought). So I went into the local branch and worked out the paperwork to close my account. No fees this time, no explanation of their previous attempt to steal from me either. Although they were loathe to let go of my money I left with no official relationship to BofA. Or so I thought... One month later I got a statement of account from them. Apparently I owed them somewhere around $100. Their breakdown was something like this:
-$5 - fee for no direct deposit into checking account.
-$15 - overdraft protection fee (to transfer from savings)
-$5 - overdraft transfer to checking (from savings)
-$35 - fee for overdrawn account (savings)
etc...
It took me 2 or 3 months, countless phone calls, and a dozen visits to get them to reverse the charges and really close my account.
Episode 3: Summer of 2006
I received a nice birthday present from my sister (financially luckier than most of the population) in the form of a cashier's check...from Bank of America. My credit union wanted 10 business days to release the funds from me, so they suggested I go to BofA and get the cash. Ok, I'll try again. I got to the teller at BofA who informed me that because I didn't have an account with them, they would charge me a fee of 5% to cash the check. I kindly pointed out to her that the check was from Bank of America. "Doesn't matter," she said, "you don't have an account here, so you have to pay the fee."
Episode 4: Recent months. Final Chapter?
Sucked into the clutches of the dark side once again through a cleverly disguised credit card offer that I failed to notice was from BofA, I must deal with the evil corporation once again. I decided once again to purge them from my life, and called to pay off the credit card.
Listen to menu, press 5 to make a payment, more menu, enter your account, more menu, waiting, etc... fast forward 10 minutes or so, "To make a payment and accept the $25 fee for our convenient phone service, press 1." $25 for what?!? A computer that reads dial tones?!? Fine BofA, you've defeated me. If it means I'll be done with you, I'll pay. "1." Computer: "Thank you, your payment of $87.00 has been accepted." WHAT?!? $25 and I can't specify the amount? I immediately called and managed to find a real person, then that real person's real supervisor, who informed me that they would go ahead and take the full payment for me, but would have to charge a $25 fee for their convenient phone service.
Eventually I convinced them to drop one of the $25 fees, but they would not drop both. Fine. Make the payment. I kindly informed them that their service was awful, they were easily the worst corporation I've ever had to deal with, and that in a perfect world they would all die of cancer. (Ok, maybe I left the last part out.)Well, I've just received my 3rd statement from them since that day that says I've not payed them.
I guess what I'm saying is, does anyone want to start a Fight Club?
?) have kept me far, far away from them. I started banking with First Interstate many years ago, whom Wells Fargo bought. That was a fun experience- they used to suck pretty bad themselves, but every time I started looking in to switching banks Wells Fargo bought the damn things. Then they got a little better, and I quit looking.
) is high I have never been charged to talk to a person. And I better not EVER be. 
with them is the way they pander to illegals:
