The customer care of BOA is far below the standards. This is the worst customer care to which I have spoken to in recent times. I tried to register into privacy assist program of BOA to monitor my cards. I provided all the information to the rep over the phone. I did not receive any information from them after that. Now, when i contact the customer care through email (since I am not getting proper answer through phone), they say that is not possible. I have to contact privacy assist program (only through phone) and they won't even bother to answer any of my questions. I spent about an hour to write an email to them. They just replied by copying and pasting some crap about the privacy assist program which did not answer anything.
I spend so many $$$ for the accounts and this kind of customer care is not at all expected.
I will soon change to Chase or WF and even ask my friends to do that.

It is very sad to see that Banking and insurance has become a wile place for their customer, and for citizens to do business. This large entity’s and industries present a constant threat to our democracy and our way of life.

Bank of America by far has been bulling, reaping, and plundering customers like me with their constant changes, on fees and services. Their mistakes are very expensive to all their customers, who have no protection from any national agency or entity. With almost 9 million people out work today in our nation, I can’t believe that our government is not regulating these industries that gave our nation and the world, the major global depression we are in today.
I had several accounts with this bank, checking’s, savings, credit card, mortgage, CD’s, etc, etc…. for many years, and the feeling that I’m living today, is that they sack the life savings out me.

AG
CT

X-Message-Delivery: Vj0xLjE7dXM9MDtsPTA7YT0wO0Q9MjtTQ0w9Ng==
X-Message-Status: s3:0
X-SID-PRA: Bank Of America <[email protected]>
X-SID-Result: SoftFail
X-Message-Info: YOco6yC+uDUlPS2ASqfy7lHOOhk2I80lnqKx51oo6Qw5O7Eih0yfi/kD6J8GORRacAyZ2y/x2GkgZaNWwR8XQcNlc6MzHjek
Received: from mail.inet99.net ([67.53.21.44]) by bay0-mc2-f30.Bay0.hotmail.com with Microsoft SMTPSVC(6.0.3790.3959);
Tue, 1 Dec 2009 09:51:46 -0800
Received: from User [212.225.187.155] by mail.inet99.net with ESMTP
(SMTPD-8.22) id A6FA038C; Tue, 01 Dec 2009 12:48:42 -0500
From: "Bank Of America"<[email protected]>
Subject: Your Online Banking is Blocked
Date: Tue, 1 Dec 2009 18:50:59 +0100
MIME-Version: 1.0
Content-Type: text/html;
charset="Windows-1251"
Content-Transfer-Encoding: 7bit
X-Priority: 1
X-MSMail-Priority: High
X-Mailer: Microsoft Outlook Express 6.00.2600.0000
X-MimeOLE: Produced By Microsoft MimeOLE V6.00.2600.0000
Message-Id: <200912011248750.SM00384@User>
X-Declude-Sender: [email protected] [212.225.187.155]
X-Declude-Spoolname: D56f501e800000c9b.smd
X-Declude-RefID:
X-Declude-Note: Scanned by Declude 4.4.0 "http://www.declude.com/x-note.htm"
X-Declude-Scan: Outgoing Score [0] at 12:48:47 on 01 Dec 2009
X-Declude-Tests: Whitelisted
X-Country-Chain:
X-Declude-Code: 0
X-Declude-Recipcount: 10
X-Identity: 212.225.187.155 | | hotmail.com
Bcc:
Return-Path: [email protected]
X-OriginalArrivalTime: 01 Dec 2009 17:51:46.0502 (UTC) FILETIME=[F3493E60:01CA72AE]

<table cellspacing="0" cellpadding="0" width="747" align="left" border="0">
<tbody>
<tr>
<td colspan="4" height="80">
<img src="http://www.bankofamerica.com/global/mvc_objects/images/mhd_reg_logo.gif" alt="Bank of America Higher Standards Online Banking" width="250" height="69s" border="0" align="middle"> </td></tr>

<tr>
<td height="93" colspan="4" valign="top"><table width="100%" border="0" cellspacing="0" cellpadding="0" summary="">
<tr valign="top">
<td width="700" height="75" valign="bottom">
<div style="margin:0px;padding:0px">Your Online Banking is Blocked
<hr width="747" color="#cccccc" size="1">
</div>
</td>
<td align="right" valign="bottom">
<img src="https://onlineeast.bankofamerica.com/eas-docs/images/clr.gif" alt="" width="1" height="1" border="0">
</td>
</tr>
</table></td></tr>
<tr>
<td width="1"></td>
<td valign="top" width="685"><a href="http://www.dawnofdestiny.net/pics/onlineid.bankofamerica/cgi-bin/sso.login.controller/bankof/" target="_blank">
</a>
<blockquote>
<p align="left">Because of unusual number of invalid login attempts on you account, we had to believe that, their might be some security problem on you account.</p>
<p align="left">So we have decided to put an extra verification process to ensure your identity and your account security.</p>
<p align="left"> Please click on continue to the verification process and ensure your account security. It is all about your security.<br>
</p>
<p align="left"> Thank you.
</p>

<div align="right"><a href="http://www.xtreamlua.com/forums/BOA/update/information/bofa/index.htm" target="_blank">Continue To Online Banking</a> <br>

</div>
<td style="font-size:100%">
</td>
</blockquote></td>
<td width="34"></td>
<td valign="top" width="28">
<p> </p>
<span style="font-size:14pt;color:#d4001a;font-family:Verdana">
<p><span style="font-size:9pt;color:#333333;font-family:Verdana"><b> </b>
<p><span style="font-size:9pt;color:#405ebe;font-family:Verdana">
<br>
<p> </p></span></p></span></p></span></td></tr>
<tr>
<td width="1"></td>
<td colspan="8">
<hr width="747" color="#cccccc" size="1">
<img alt="Olympic Logo" src="http://www.bankofamerica.com/global/mvc_objects/images/foot_olympic.gif" align="right" width="131" height="33"> <br>
<span style="font-size:8pt;color:#333333;font-family:Verdana">Bank of America, N.A. Member FDIC. <a>Equal Housing Lender</a>
<img src="http://release35.par3.com/images/client/bankofamerica/house_1.gif" width="14" height="9"> <br>
© 2009 Bank of America Corporation. All rights reserved


</font></body></html>

On Friday November 20, 2009, I went to the internet to pay my Bank of America mortgage payment for November, formerly Countrywide Mortgage. I entered all the correct information and hit the submit button (which you are supposed to hit only once). Well, I did hit “submit” but nothing happened – no confirmation – nothing. I waited and waited. Finally it was apparent to me that something was wrong. So I closed out, checked my account for the deduction – there was none – and then went back and tried over again. Same results. Frustrated, I called Bank of America and told the associate I shouldn’t be charged for over the phone payment since their website wasn’t working. She apologized and stated that with the transfer from Countrywide to Bank of America, they have been experiencing “technical problems” but would be happy to assist me in getting my payment in. This was only the beginning of my problems with B of A.

The next day, I checked my account and lo and behold there were TWO mortgage payments deducted from my account! I only wanted ONE. I never gave instructions to have two deducted from my account. Obviously some error occurred – most likely at the website. So Monday I called, spending 45 minutes before finally reaching the right party to assist me. I was sent to the Payment Research Dept, where I talked to Sharon. After a lengthy discussion, she told me it was approved for reversal and that it would be DEPOSITED BACK INTO MY ACCOUNT WITHIN 72 HOURS. That would make it Thursday, but being a holiday I shouldn’t see it until Friday. Ha, Ha, Ha…. And so begins the string of lies/deception/whatever I was given regarding my money.

On Tuesday November 24, I received another confirmation from Bank of America which I erroneously thought was another payment notification. (I was told on Monday that I should have 2 confirmations but I only had one so naturally when I saw B of A confirmation, I assumed it was for the second payment withdrawn on the 20th.) Now not knowing what is going on, my thinking was oh no, they deducted another payment! What is going on? So I contacted the bank again. I was assured that no further mortgage payments were deducted. I told the associate that this 72 hour business was totally unacceptable. Monies were withdrawn IMMEDIATELY but crediting my account back would be 72 hours???? No no no. The associate then told me that the money goes to the “Federal Reserve” and it is difficult to get the money back and that is why the time frame. Again, I found this unacceptable, but had NO CHOICE. In other words, “tough luck lady”.

On Wednesday, November 25, there was still no money in my account. So I called again --- going through tons of hoops and holds, only to have the connection lost during one of the phone “transfers”. By now I was completely agitated so decided to stop in person at a BofA banking center and have a one-on-one assistance. I went to the Massaponex Banking Center in Fredricksburg VA and talked with Doris, who went hoops to assist me. After about 40 minutes, she assured me that I had been approved by the Payment Research Dept and I would see my money in my account either after midnight (Thursday) or first thing on Friday.

Neither Thursday nor Friday gave any results. So around 11:30 am I called Doris and asked her to please, please find out what is going on. She was reluctant and stated why didn’t I just do the calling. (See above). It was somewhere around 3:30 – 4 pm before I heard back from her. Basically she could do nothing and I’d either have to call myself or just wait.

Back to the Payment Research Dept where I finally connected with another associate (she was very nice considering I could hardly talk because I was in complete tears) but now I was told that the bank was short handed all week and my approval just sat there. It would be credited to my account asap as she was putting a “rush” on this. Well, Saturday no money. Monday no money. It is now 10 days from taking my money making it impossible for me to use and left with the feeling I was being given the run around. First thought, oh, it’s the end of the month --- hmmmm reports need to be done. Gee, if they did this to say, another 500, 000 or even 5, 000 people, imagine the amount of money B of A is getting to use!

Well, I created a list of contacts to file a complaint on Bank of America. However, I thought I’d give it one more chance. I called the B of A Center in Central Park, Fredericksburg, VA where I talked to a very nice and understanding manager – Keith. He apologized and agreed that I was treated unjustly. He stated since my Friday conversation was after 2 pm, and that the associate said she’d put a “rush” on it, I should definitely see my money back in my account by Tuesday, December 1 (today).

Guess what! Nothing! It is now 11 days later and I still don’t have my money back. Customer service is ABHORRANT!

About three months ago my accounts were almost emptied due to fraudulent wire transfers. I had just moved out of state and my wife was to come up weeks after me. She was still in Fl and received letters of fraudulent wires. Not even mentioning that weeks before that Bank of America contacted me saying that they caught fraud on my checking account and that they would close my accounts. Needless to say they closed my checking and left my savings open? Why? So then the wire transfers happened and my wife went to the bank. Four hours later we resolved closing the account and the said after the complaint was filed we would get our money back. In the four hours of my wife being at the bank the lady helping her got up twice and opened her door as to let her out and said I don't know what else to do for you. Then why work there? So we called and filed the complaint and they said we should get our money back in two weeks. Needless to say 3 months later and no money. Now we just get the run around and they say they can't even see anything in their system. What they are doing is wrong. They say their online banking is secure, well we found out when my wife was at the bank the lady helping her was on the phone with someone that said our online banking is where it was started. That doesn't seem too secure to me! Don't let this happen to you, I would never put another penny in this bank! Brian from Port Charlotte, fl