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441 Comments
- Doctoxicated, on 07/06/2009, -16/+390People should just stop using Bank Of America they're been dishonest scumbags from the start and have gotten even worse. $4 ATM fees, manipulative overdraft fee assessing, unsavory lending practices, atrocious customer service, and of course giving America the big FU while taking our tax money to bail them out of their own mess that came about by them screwing Americans so hard they just gave up.
In fact last week they stolen all the money in my roommate's account (over $700) because of some creative overdraft fees and flat out gave him the FU when he asked them to fix their mistakes. Give us back our tax money dicks. - AwakeningAZ, on 07/06/2009, -3/+247Sounds like he double clicked the submit button.
- ivanmarsh, on 07/06/2009, -2/+205I'm not the slightest bit surprised. B of A put a bankruptcy report on my credit record when I was 17... read that again if you don't see the problem. I was 17, legally unable to have a credit card with them and, in fact, had no accounts with them at all. The 8 months it took me to get them to take it off of my report, because apparently "I'm 17!" wasn't a good enough reason, is why I will never use B of A for anything and suggest you don't either.
- gaqua, on 07/06/2009, -2/+193I had a BoA credit card. A mysterious $7.99 fee kept showing up. It was titled "subscription" fee and the phone number listed next to it was no longer in service. I called BoA and asked for more info - nothing. They had no idea aside from the phone number included and that it was an "online" fee. I disputed it, they said it wouldn't show up again.
Then, the next month, there it was again. This went on for 5 months in a row. I'd dispute it, they'd assure me it wasn't theirs, they didn't know what it was, it wouldn't show up again.
Finally I searched for it online - I found out that the number was to Bank of America's own "Credit Monitoring Service". I don't remember signing up for it - turns out, in the mailer I had received with the pre-approval for the card, it was a box that said "Check here to protect your identity" or something, and I must have checked it. My fault - but they should have been able to answer me as to what it was, and they should have been able to provide me with a WORKING PHONE NUMBER.
Upset, I canceled the card and paid the balance in full. I explained exactly why I was upset, and the "retentions" woman claimed that if I received the money back would I consider staying with them? I said possibly. This was November of 2006.
Three weeks ago I got a check for $39.95. 5 months of $7.99/month charges refunded to me.
3.5 years later.
Yeah, I don't think I'm opening that card again. - slapded, on 07/06/2009, -2/+154I hate people who double click web links. God I hate that.
- jakerandell, on 07/06/2009, -5/+136Banks suck, credit unions FTW!
- inactive, on 07/06/2009, -4/+107Bank of America kind of sucks.
- dayoldblues, on 07/06/2009, -6/+109Mattress FTW!
- Pigeon, on 07/06/2009, -0/+70For something such as signing up for bank accounts I would expect the coder to have added something to prevent that.
- samk, on 07/07/2009, -1/+68Okay, I used to work at a large bank, and I'm pretty sure I know what happened. The rep even told him, but he dismissed it with faulty logic.
All the major banks share information on their customers via Chex Systems. If your checking account gets closed due to excessive overdrafts by a member bank (or if there's any fraudulent activity), it gets reported. This is completely separate from the credit reporting system. The bank checks with Chex Systems right after the account is opened. If there is a problem, the account is closed. If the customer objects, he's usually referred to Chex Systems.
After the rep told the guy it was probably due to an unpaid account, he reasoned that he has good credit and that he's never had an account with BofA. Neither are relevant here. It's likely that there's a report of a previous problem with a checking account at some other bank, which he's either deliberately omitting from the story, or assuming is not known by BofA. - trakugs, on 07/06/2009, -7/+72I loved WaMu till they were bought by Chase - talk about evil empire.
- frsrblch, on 07/06/2009, -0/+60They have $4 transaction fees? The ATM by the washroom in the basement of the bar we go to for wings doesn't even charge that much.
- strafefire, on 07/06/2009, -0/+59Or Credit Unions...
- ldkronos, on 07/07/2009, -0/+55As a programmer, I feel compelled to point out that it is fairly trivial to detect and prevent double clicks. First, you can use javascript to disable the submit button just before submitting a form. In addition, there is another trick you can use which works even if javascript is disabled. When you generate the form, give it a hidden field which contains something semi-unique (like the timestamp). Then setup your database to store this field along with the IP address. When a form is submitted, see if there is already a record with that IP address and the hidden field value. If so, they double submitted the form. Now the only way they can double submit is to reload the form, refill it out, and then submit it a second time.
- IphtashuFitz, on 07/06/2009, -1/+55The more I hear about BoA the less thrilled I am that I'm a customer of theirs... I've never had any problems myself and so far I've just been too damned lazy to find a new bank with as many convenient ATM's as them. I just hope I get off my lazy ass and switch before they screw me over big time...
- jesburger, on 07/06/2009, -1/+45"A pilot you racist"
- Bluesky0010, on 07/06/2009, -12/+53If your into getting charged and getting a fee for little things, then yes, Wells Fargo FTW.
- Origin415, on 07/07/2009, -0/+35Credit unions are small and localized, not-for-profit, tax exempt, and typically give much better rates than large banks.
When you a member of a credit union, you are actually one of its owners, unlike banks which are owned by stockholders. - tgc1, on 07/07/2009, -0/+34I'd look into suing them for that one. Bankruptcy is seriously bad for your credit.
- Pezza131214, on 07/06/2009, -0/+33I opened a checking account online with BOA last month. I received an email stating that the account could not be opened because "Multiple applications for the same product were received." After contacting them, I was told that I applied for the same account twice and that the latest application would be accepted.
I only hit the submit button once, and I only received one confirmation number. I haven't been banned for life yet but I've since determined that Bank of America sucks for unrelated reasons. - Zomgondo, on 07/06/2009, -0/+33BofA charges something like $35 per overdraft incident, WFB (and others) charge around $35 every DAY you overdraft.... so if you use your checkcard a lot, and a bunch of transactions go through in a single day, WFB will charge you $35 while BofA will charge you $35 x # of transactions.
Additionally WFB will usually reverse all but one of your overdraft fees if you haven't overdrafted in awhile, BofA won't reverse them even if it's demonstrably their fault.
Source: I'm with both banks. - tamman2000, on 07/06/2009, -0/+33I have never been disappointed by a credit union, and I have been a member of 3 different ones...
- emt1451, on 07/06/2009, -2/+34ING Direct FTW!
- MidnightTide, on 07/07/2009, -0/+32still, a representative couldn't tell him what the charge was for?
- franklymister, on 07/06/2009, -1/+31I agree that B of A is a terrible bank to deal with, but I'm suspicious of your comment that "they stolen all the money in my roommate's account."
How did he end up with overdraft fees in the first place? $700 sounds like quite a lot to just wipe out with fees. Banks might interpret every rule to their greatest advantage, but they don't "steal" your money. It sounds like your roommate may have been trying to spend money he didn't have. - Dustin00, on 07/07/2009, -0/+28All banks suck.
Join a Credit Union. - cuervoman914, on 07/06/2009, -1/+29ok, so same thing happened to my mom. 2 accounts (credit card) opened, BUT they didnt ban her. this is where it goes down to *****, she closes one of the CC's, business goes as usual. Two months later she goes to the window to pay for the CC, but the teller pays the amount to the account closed, not the opened one. One month goes by and she gets a letter from BoA telling her that she's delinquent in her payments and that she's been reported to the credit bureaus. Since, one by one, her accounts have been getting flagged down, and the line of credit has been reduced. BoA basically said that it wasnt their fault, and that's the procedure they take on delinquency, as if it was her fault. Now my fellow diggers, what's one to do?
- Viniator3, on 07/06/2009, -3/+31USAA FTW!
- wondertwins, on 07/06/2009, -3/+31PERMA BANNED
- franklymister, on 07/06/2009, -2/+30We have a word for that in User Experience - it's called "dysclicksia."
It's frustrating to see it happen, but to be fair to non-geeks, they are constantly encountering things on their computer that require either double OR single-clicks, and for the novice, there's no indication which is which. The modern GUI is still a mess. - mogebier, on 07/07/2009, -2/+30Yes, and it might even be the consumerist that omitted parts of the story to try and make their point of hate against corporations.
- spargonaut, on 07/07/2009, -0/+28@Twee: almost every bank I've ever had does that ( charges you for using someone elses ATM ). I usually go out of my way to find an ATM from my own bank to avoid that *****.
- pjr12345, on 07/06/2009, -0/+27I got out of WaMu just before they failed. They started running their banks like a Gap store, and that scared me. It became evident that they were doomed when their 20-something "vice presidents" knew less about basic banking transactions than I did.
- sphykik, on 07/06/2009, -0/+26Amen.
- Bukowsky, on 07/06/2009, -46/+71Wells Fargo FTW!
- Twee, on 07/06/2009, -2/+26They basically double charge you for using an ATM that is non-BoA. You get charge $2 by the ATM vendor, and then BoA charges you ANOTHER $2 on their side. I didn't notice this until I started looking at all of my statements in great detail for a statistics project. The only reason I stay with them is because they have ATMs everywhere.
- stubear, on 07/06/2009, -14/+38I've had a Bank of America account since they were Bank Boston around here (Fleet bought out Bank Boston then Fleet was bought out by Bank of America). I had trouble with a debit card and they were nothing but apologetic about the problem and fixed it for me as quickly as possible. Now, unlike the Consumerist, I realize that anecdotal evidence is not the plural of data and am willing to consider Bank of America a corporation, neither evil or good. They are an entity made up of lots of people, some evil, some good. It sounds like these people wound up talking to the evil people and you know what? ***** happens. Life goes on.
- SuperStromboli, on 07/07/2009, -0/+24Javascript, FTW!
On a side note, my dad double clicks EVERYTHING and every time I watch him do it, a burning, seething rage builds up inside of me. I can't explain it. And trying to tell him what he's doing is like trying to explain to a child that there are other people in the world besides themselves. - asgardshill, on 07/06/2009, -1/+24Sounds like they did him a favor to me. Unless of course he WANTS terrible customer service, sky-high ATM fees, ever-changing due dates on loan payments, and a balance sheet that reads like The Grapes Of Wrath.
- inactive, on 07/06/2009, -0/+23chase can go to hell
- raldz, on 07/06/2009, -0/+23BoA sucks.. my wife also have a terrible experience.. one busy monday, my wife used the ATM to make a deposit twice in a day for a total of 1800 dollars.. that money will be used to wire transfer it to a relative who is in desperate need for hospital money.. the following day, her account was on hold for "suspicious" activity.. nothing was wrong aside from big amount of ATM deposit.... it took 2 f*cking months in order for them to fix it.... after it was fixed, the manager of the local branch even advised my wife to close the account to save her from future trouble.. right now she is happy with Wells Fargo and WaMu..
- darkened, on 07/07/2009, -1/+24@peter he wasn't complaining about the charge itself he was complaining the fact he could not service the charge by the number listed and the fact it was part of BoA's own company and they only said they would remove it and not have it appear again is amazingly retarded on BoA's part.
- mrgeekguy, on 07/07/2009, -1/+23Unless your daughter throws it away.
- leif77, on 07/07/2009, -0/+21You should have posted this comment twice...
- JT114881, on 07/07/2009, -0/+21Are you having a hard time with the word "Card"?
- killerhammy, on 07/06/2009, -2/+22TD bank is one of the best
- SickIcarus, on 07/06/2009, -0/+20Step 1 - Obtain all documentation she can to prove BofA placed the payment on the wrong account. Be it her mailed statements, online access to statements, receipt for the payment, anything and everything.
Step 2 - Close all open accounts with BofA.
Step 3 - Contact all 3 credit bureaus and file a dispute, never late. If/When they come back from checking with BofA and state BofA confirmed the delinquencies, she can fax all the documentation over to the bureaus - they will remove it from her credit report immediately.
If she doesnt have, or cant obtain, any proof she made the payment on time, then she's kind of screwed. - CasualT, on 07/07/2009, -0/+18Aaaaaand it's gone!
- dahatecatalyst, on 07/07/2009, -0/+17never do business with Banks. They are ONLY in it to pull the wool over you with hidden fees and red tape. Go to your local Credit Union.
- ihatediggcom, on 07/07/2009, -0/+17gaqua, you know what? i'm pretty sure you didn't even check any boxes.
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