Goodbye Bank of America (credit, payments, visa, financial)

[joe moving]

I have been waiting to get out of BOA for a while now. Customer service has gone to after switching banks several times. The only thing they have going for them is having a billion branches that you only ever have to go to anymore when they ********* over.

I recently stopped payment on a check that was lost. They mentioned "you might incur a fee - click here to see your schedule of fees" when you are stopping the payment. I clicked there, looked under the type of account that I have, and there is no mention of any stop payment fee. As I have done this in the past and never got charged, I was confident that was the case.

2 days later I get a $30 charge. Talked to them on the phone as well as show up to the branch and they insist that I made fully aware of this charge, and I'm just an idiot. I had printed out the pages from the website to prove that there is no mention of the fee, and they wouldn't even look at it.

I was very reasonable with everyone and really made the point that I just wanted fairness, and letting customer know of this fee at the time that time of action is not only fair but common sense ("By stopping payment, you will be charged $30 - do you wish to continue?")

They were completely willing to help me close out my account instead of even attempting to make things right

[Woof Woof Woof!]

You always get charged a fee for stopping payment.

[desertsun41]

Originally Posted by joe moving

I have been waiting to get out of BOA for a while now. Customer service has gone to after switching banks several times. The only thing they have going for them is having a billion branches that you only ever have to go to anymore when they ********* over.

I recently stopped payment on a check that was lost. They mentioned "you might incur a fee - click here to see your schedule of fees" when you are stopping the payment. I clicked there, looked under the type of account that I have, and there is no mention of any stop payment fee. As I have done this in the past and never got charged, I was confident that was the case.

2 days later I get a $30 charge. Talked to them on the phone as well as show up to the branch and they insist that I made fully aware of this charge, and I'm just an idiot. I had printed out the pages from the website to prove that there is no mention of the fee, and they wouldn't even look at it.

I was very reasonable with everyone and really made the point that I just wanted fairness, and letting customer know of this fee at the time that time of action is not only fair but common sense ("By stopping payment, you will be charged $30 - do you wish to continue?")

They were completely willing to help me close out my account instead of even attempting to make things right

Congrads on doing the right thing. After they gave away my money I threw in the towel with them too. Dontcha just love the fact that they drill you on all kinds of personal information to open an account yet ILLEGAL Aliens just waltz right in and get VISA cards for the asking? No SS number needed. No collateral needed. No motivation to pay back.

BOA can rot in hell along iwth all its employees.

[texdav]

All bank charge a stop payment fee that I know of.

[Huckleberry3911948]

dont be so harsh aw comon give em 32 billion.
i know you got it. that is why you are here typing with me
all day on CDF.

[Lindsey_Mcfarren]

I won't do business with them anymore. I don't trust them after some unannounced shananigans with my deposits.

[joe moving]

woof + texdav, as i am doing google research apparently it is common knowledge to charge for this. however, it has been so long since i've had to stop a check, that the last time i did it, it was free.

if, as i have since learned, that the fee is uniform throughout all accounts, a simple 1 line of text on their website on the cancel check form: "note, stopping payment will incur a 30 dollar charge" would have avoided this problem. it is just that easy. either they don't care, or try to be sneaky. perhaps boa is getting too big for its britches. i know that ina huge organization, getting 1 line of text added to the website may be a 19 step process.

i can guarantee you someone at my branch had the power to check 1 box on a computer and make the fee disappear and the fact that they were willing to let me close the account over it is surprising.

[brightdoglover]

BOA has ended up as my bank after one takeover after another.
For me, the last straw is the ATMs only taking paper checks like a dollar in a soda machine. If the check is a bit bent or anything, you can't make the deposit.
I appreciate that all big companies with local branches are hiring local workers, however, there are plenty of smaller banks that also hire local people and are more of a local financial presence. I am switching to one in my area in the interest of "buying local." Plus, they have great customer service. Oh, and if you want to call the local branch, you can get the phone number. With BOA, you can only call a main number that is who-knows-where, while the local branch is two miles away.

[akck]

Last time I checked, I can do several stop payments online at my credit union without being charged a fee. Charges are incurred if you go to a branch or go over the limit for the month. You might want to check on a credit union as your next bank.

[sonarrat]

Originally Posted by brightdoglover

BOA has ended up as my bank after one takeover after another.
For me, the last straw is the ATMs only taking paper checks like a dollar in a soda machine. If the check is a bit bent or anything, you can't make the deposit.

They don't provide envelopes?