BoA is screwing me

WanderALot · 07-09-2007, 07:14 PM

My recent experience with BoA has a set a new standard in how a company can screw me.

I have a reward credit card that returns 1% of my purchases in the form of a yearly rewards check. I've had this card with MBNA for the last 12 years without any major problems. This year, MBNA was purchased by BoA. I got my reward check as usual last month and deposited it into my credit union.

About 2 weeks later, I get a notice from my credit union that the check was returned!? WTF?! Not only did the check get returned because the "account couldn't be found", I also got charged a $15 fee for a returned check!!!

I've called BoA about 3 times and each time (after a long hold), I have to explain my situation again and they all profess that they need to "research" the situation with the "rewards department". I've faxed them the returned check and other bank paperwork so they have everything. I went on a 2 week vacation and still haven't received a call back from them. I called them up yesterday and this time threatened to take them to small claims court (may not have been a good idea, but I was so freaking pissed at this point). The supervisor guy promised to call me back in 1 week after his "research". I can never get a number to call these guys because they say they don't have outside lines!! My guess is the after the merger, the rewards bank accounts got closed but they still issued the checks.

Any ideas on how to approach this?

**Rich_in_Tampa** · 07-09-2007, 07:25 PM

Quote:

Originally Posted by WanderALot

Any ideas on how to approach this?

How frustrating. And the amount in question is probably more than you want to ignore, but not so much that it's worth getting all legal over it.

What I would do, and plan to do as soon as I retire, is fire BOA.

Arif · 07-09-2007, 07:32 PM

Call the Better Business Bureau! I've used them three times, once with my mortgage company , a travel agency and Comcast. Within two weeks each problem was resolved promptly and I got my checks. I don't screw around with nuckle head customer service people anymore. The last thing these companies want is to be on the bad list of the BBB. They even have a website so you can file your complaint online. Good luck

maddythebeagle · 07-09-2007, 07:47 PM

Since it is a credit union, it should be easy to have the "returned check" fee waived...just ask...then write a letter to OCC OCC: Consumer Complaints and Assistance (since I believe that they regulate credit card companies) and cc BOA...document the situation and keep to the facts....

I have had a few bank complaints and it always work to do this...

honobob · 07-09-2007, 07:52 PM

WanderALot

They bounced a check on you. CA law allows you to collect something like $300.00 or three times the amount of the check! Might be more now.

I'd write a short note to them to them to remind them.

BOA is my bank. I can deal with them online and lately they've been real nice the few times I've ventured into the branches. Now Wells Fargo!!!! Bastids.

I'll have to post my story of how Wells Fargo tried to cheat me out of $1,000 and ended up giving me $15,000. They were more comfortable not admiting they were wrong than to ask for the money!! Shortly before this I became aware that my neighbor shorted them out of $10,000. When I called to report the $10,000 shortage (my neighbor bragged to me the story but not the bank so when he tried to sue me over a fence I guessed the bank when I won the case and he had to pay me with a check) on a specific date in a specific area they needed further information to match it to that $10,000 shortage.
They came to my work for a statement and I had all the info but they chose not to proceed. $25,000 loss to two customers!

NinjaPigeon · 07-09-2007, 08:06 PM

Quote:

Originally Posted by honobob

I'll have to post my story of how Wells Fargo tried to cheat me out of $1,000 and ended up giving me $15,000. They were more comfortable not admiting they were wrong than to ask for the money!!

This is too good to let pass. I need to know the details

Bigritchie · 07-09-2007, 09:10 PM

If they bounced a check on you, take out a warrant for their arrest of the person that signed it, if they do not pay it within a month.

Sadly I have to do it alot for customers that bounce checks and refuse to pay them. It cost about 100 bucks but is soooooo worth it

cute fuzzy bunny · 07-09-2007, 09:35 PM

Ed_The_Gypsy · 07-09-2007, 09:51 PM

ROTFLMAO!

CFB, you have entirely too much time on your hands.

chinaco · 07-10-2007, 03:40 AM

If you do not get a response from them within a week or two...

There is some regulatory entity that you can file a complaint with... state or federal. Check with your state attorney general. In our state I think it is the Dept of Commerce. You can probably file the complaint online.

maddythebeagle · 07-10-2007, 06:59 AM

Quote:

There is some regulatory entity that you can file a complaint with... state or federal.

yeah...I already posted it...the OCC...Like I said, you wont get a response from them in a timely manner unless you do....I like the idea of suing them...or dropping a pile flaming poop..(actually, I would just do that in addition)....

TromboneAl · 07-10-2007, 08:42 AM

I'm in the same MBNA now BofA boat. Keep me posted. Was it a check for $250?

FinanceDude · 07-10-2007, 09:00 AM

Quote:

Originally Posted by Ed_The_Gypsy

ROTFLMAO!

CFB, you have entirely too much time on your hands.

And truer words have never been spoken.........

cute fuzzy bunny · 07-10-2007, 09:31 AM

Hey thats just going to be my standard response from now on. Give me bad service, screw up my account...get a flaming bag of pooh.

I feel good, they feel bad, its all good.

**Rich_in_Tampa** · 07-10-2007, 09:35 AM

Quote:

Originally Posted by cute fuzzy bunny

Hey thats just going to be my standard response from now on. Give me bad service, screw up my account...get a flaming bag of pooh.

I feel good, they feel bad, its all good.

BOA will charge you a processing free for cleaning it up, plus shoe shine costs.

They'll deduct it from your 0.0001% APR savings account.

cute fuzzy bunny · 07-10-2007, 09:39 AM

Worth every penny.

Plus i'll be sure to get on the phone and scrutinize the fee schedule with them. If I come away unsatisfied...hell...I've got three 100lb dogs...

FinanceDude · 07-10-2007, 09:53 AM

Quote:

Originally Posted by Rich_in_Tampa

BOA will charge you a processing free for cleaning it up, plus shoe shine costs.

They'll deduct it from your 0.0001% APR savings account.

cantlogin · 07-10-2007, 09:56 AM

Quote:

Originally Posted by cute fuzzy bunny

Worth every penny.

Plus i'll be sure to get on the phone and scrutinize the fee schedule with them. .

That is devious, devious, devious!

WanderALot · 07-10-2007, 09:57 AM

Quote:

Originally Posted by TromboneAl

I'm in the same MBNA now BofA boat. Keep me posted. Was it a check for $250?

It was a reward check of about $210. I checked my account this morning, and it looks like they have issued a credit for $210, but not the $15 bounced check fee. Bastards.

Thanks for all the help. I'll keep you guys updated when/if something changes.

Bimmerbill · 07-10-2007, 04:24 PM

I'm having issues with them too. I've been trying to roll my wifes old IRA with them into Vanguard. Trouble is, its in her maiden name, and Vanguard is in her married name. BOA has refused several transfer requests. Dang, its the same dang SSN!

We have submitted TWO name change documents, as requested by BOA staff. Stuff is getting lost between the local offices and corporate or something.

I am going to have them just cut a plain old check and mail it to us.

07-09-2007, 07:14 PM	#1
WanderALot Recycles dryer sheets Join Date: Sep 2004 Posts: 386	BoA is screwing me My recent experience with BoA has a set a new standard in how a company can screw me. I have a reward credit card that returns 1% of my purchases in the form of a yearly rewards check. I've had this card with MBNA for the last 12 years without any major problems. This year, MBNA was purchased by BoA. I got my reward check as usual last month and deposited it into my credit union. About 2 weeks later, I get a notice from my credit union that the check was returned!? WTF?! Not only did the check get returned because the "account couldn't be found", I also got charged a $15 fee for a returned check!!! I've called BoA about 3 times and each time (after a long hold), I have to explain my situation again and they all profess that they need to "research" the situation with the "rewards department". I've faxed them the returned check and other bank paperwork so they have everything. I went on a 2 week vacation and still haven't received a call back from them. I called them up yesterday and this time threatened to take them to small claims court (may not have been a good idea, but I was so freaking pissed at this point). The supervisor guy promised to call me back in 1 week after his "research". I can never get a number to call these guys because they say they don't have outside lines!! My guess is the after the merger, the rewards bank accounts got closed but they still issued the checks. Any ideas on how to approach this?

07-09-2007, 07:32 PM	#3
Arif Full time employment: Posting here. Join Date: Jun 2005 Posts: 661	Call the Better Business Bureau! I've used them three times, once with my mortgage company , a travel agency and Comcast. Within two weeks each problem was resolved promptly and I got my checks. I don't screw around with nuckle head customer service people anymore. The last thing these companies want is to be on the bad list of the BBB. They even have a website so you can file your complaint online. Good luck __________________ You take the blue pill - the story ends, you wake up in your bed and believe whatever you want to believe. You take the red pill - you stay in Wonderland and I show you how deep the rabbit-hole goes.

07-09-2007, 07:47 PM	#4
maddythebeagle Thinks s/he gets paid by the post Join Date: Jun 2005 Posts: 2,411	Since it is a credit union, it should be easy to have the "returned check" fee waived...just ask...then write a letter to OCC OCC: Consumer Complaints and Assistance (since I believe that they regulate credit card companies) and cc BOA...document the situation and keep to the facts.... I have had a few bank complaints and it always work to do this... __________________ - Hurry! to the cliffs of insanity!

07-09-2007, 09:51 PM	#9
Ed_The_Gypsy Thinks s/he gets paid by the post Join Date: Dec 2004 Posts: 1,859	ROTFLMAO! CFB, you have entirely too much time on your hands. __________________ "Ain't got no money for no old-age pension; I'm so broke, I can't pay attention!"

07-10-2007, 03:40 AM	#10
chinaco Thinks s/he gets paid by the post Join Date: Feb 2007 Posts: 2,661	If you do not get a response from them within a week or two... There is some regulatory entity that you can file a complaint with... state or federal. Check with your state attorney general. In our state I think it is the Dept of Commerce. You can probably file the complaint online. __________________ Disclaimer: I make no warranty or guarantee about the accuracy or completeness of this information. I am not a financial planner, my comments only represent my opinion.

07-09-2007, 07:52 PM	#5
honobob Full time employment: Posting here. Join Date: May 2006 Posts: 868	WanderALot They bounced a check on you. CA law allows you to collect something like $300.00 or three times the amount of the check! Might be more now. I'd write a short note to them to them to remind them. BOA is my bank. I can deal with them online and lately they've been real nice the few times I've ventured into the branches. Now Wells Fargo!!!! Bastids. I'll have to post my story of how Wells Fargo tried to cheat me out of $1,000 and ended up giving me $15,000. They were more comfortable not admiting they were wrong than to ask for the money!! Shortly before this I became aware that my neighbor shorted them out of $10,000. When I called to report the $10,000 shortage (my neighbor bragged to me the story but not the bank so when he tried to sue me over a fence I guessed the bank when I won the case and he had to pay me with a check) on a specific date in a specific area they needed further information to match it to that $10,000 shortage. They came to my work for a statement and I had all the info but they chose not to proceed. $25,000 loss to two customers!

07-09-2007, 09:10 PM	#7
Bigritchie Recycles dryer sheets Join Date: Jun 2007 Posts: 369	If they bounced a check on you, take out a warrant for their arrest of the person that signed it, if they do not pay it within a month. Sadly I have to do it alot for customers that bounce checks and refuse to pay them. It cost about 100 bucks but is soooooo worth it

07-10-2007, 08:42 AM	#12
TromboneAl Thinks s/he gets paid by the post Join Date: Jun 2006 Posts: 3,857	I'm in the same MBNA now BofA boat. Keep me posted. Was it a check for $250? __________________ - Al -- Always serious, never joking. No, wait. Never serious... Always... I forget.

07-10-2007, 09:31 AM	#14
cute fuzzy bunny Give me a museum and I'll fill it. (Picasso) Give me a forum ... Join Date: Dec 2003 Location: Losing my whump Posts: 22,499	Hey thats just going to be my standard response from now on. Give me bad service, screw up my account...get a flaming bag of pooh. I feel good, they feel bad, its all good. __________________ Many an optimist has become rich by buying out a pessimist

07-10-2007, 09:39 AM	#16
cute fuzzy bunny Give me a museum and I'll fill it. (Picasso) Give me a forum ... Join Date: Dec 2003 Location: Losing my whump Posts: 22,499	Worth every penny. Plus i'll be sure to get on the phone and scrutinize the fee schedule with them. If I come away unsatisfied...hell...I've got three 100lb dogs... __________________ Many an optimist has become rich by buying out a pessimist

07-10-2007, 04:24 PM	#20
Bimmerbill Recycles dryer sheets Join Date: Jan 2006 Posts: 479	I'm having issues with them too. I've been trying to roll my wifes old IRA with them into Vanguard. Trouble is, its in her maiden name, and Vanguard is in her married name. BOA has refused several transfer requests. Dang, its the same dang SSN! We have submitted TWO name change documents, as requested by BOA staff. Stuff is getting lost between the local offices and corporate or something. I am going to have them just cut a plain old check and mail it to us.