I have a mortgage with Bank of America and have always try to keep ahead with my mortgage payments. I have made up to five months payment in advance. On three occassions Bank of America has applied extra payments to the principal and indicated that my payments were late and charged me late fees. I have spoken with the bank and always manage to get it clear up. Today, December 9, 2009 I noticed a late payment fee deducted from my checking account with the December payment outstanding.
Upon speaking with the CSR she tried to argue with me that December is late because the money recieved for December was applied to November. However, after providing facts about payments she said that the previous payments recieved were applied to the principal. She said that those payments and all charges reversed.

I have been banking with said Bank for a number of years and all my accounts are with them. I think that Bank of America needs to train their account reps to verify the history of an account before they apply monies recieved where they think it should go over where it should be applied. As someone, who handles hundreds of accounts in a day
it should be standard procedure to research an account before making a decision. There is no clauses in my mortgage contract that I am not allow to make future payments. Their banking practices need to be reviewed and the competence of their accounts reps should be evaluated.

Location: Bothell, WA Print Email Link/Share


Incident = A branch in Bothell, Washington has a manager (Jay)that is flippant,
arrogant, and doesn't care about you. Everytime I go in the branch he tries to
stuff his new ATM down my throat...which doesn't take cash well it spits it
back out!! He only wants to talk to you if you DONT have a problem and when you
do...well don't bother him...and it all your fault...Then when you enter the
bank he says he's "Living the Dream." And then he had the audacity to ask me if I'm a God-fearing person.
Damage Resulting = Will not go into that branch ever again.

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

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