OT: Bank of America has got me in a corner....

[hemi68charger]

Hey gang..
ANYONE know of a good phone number I can call for Bank of America to get my freakin' money back. Freakin' bozos didn't stop my automatic withdraw from my checking account to pay my Bank of America credit cards that were paid in FULL last month. Now, I have a negative amount in the account, two checks out as of Monday and no money till Sat. morning. The customer service help was anything but along with their managers. In this day-and-age, this is unacceptable, especially with the fact that all accounts concerned are Bank of America !!!! If these people can't straighten this out in person when I show my happy face when the doors open up, I'm gone.........

Sorry for the rant..
T

[charge69]

Really sorry to hear that Troy! That is why I never set up an automatic draw with anyone. Just a little "old school" due to being OLD, I guess. I don't even trust the web enough to pay my bills online yet!

Hope it gets settled tomorrow but, I am not holding my breath.

[PA Dodger]

Troy,
This is a perfect example of why auto-pay is a bad idea for almost everything. You have no leverage when there is a problem. I had similar situation with Hughes Net sattelite service.  Unless you know the secret password they will do the same thing next month while you're trying to sort things out. I think you will have better luck talking to your bank about how to stop/resolve this issue.
Sorry, I don't know the BOA number you need, but I found if you call a corporate office number that is high enough up the ladder you'll get their attention. It takes a little digging to find it.
Dan

[TruckDriver]

Yup, i only pay my bills by old fashioned letter mail, or in person. I'll never do it differently either.

[hemi68charger]

WOW... I just found the CEO's Customer Relations Number at Corporate Headquarters... Guess who I'm calling tomorrow?....

[mikepmcs]

BBB

[BrianShaughnessy]

WOW... I just found the CEO's Customer Relations Number at Corporate Headquarters... Guess who I'm calling tomorrow?....

   Your local credit union?   

[hemi68charger]

Well,,
Got the money back. Two things in life one needs; determination/persistence and initiative.. I have the determination/persistence by not taking "We can't to it" or "It'll take 10 days for a refund"... The initiative in finding someone on the other side of the phone call with it. Had an young man you used to work in credit card services and got transferred to checking/savings account services.. So, he knew what could be done and get done. I wish this was an episode of "Undercover Boss" for I would have given him a bonus and promotion, and I said that to him. I will be calling the CEO's Executive Relations representative tomorrow morning and explaining everything that happened along with Mr. Winter's professional performance. One thing I learned as an NCO in the Air Force, you address the flaws and reward the performance.... Maybe it'll go on deaf ears, but it is does, it won't be because I didn't try..

Chapter closed.... At least for tonight.. 

[Richard Cranium]

Now what you have to do is get yourself out of that overly-large bank & start an acount with a small established bank or credit union.

[hemi68charger]

Now what you have to do is get yourself out of that overly-large bank & start an acount with a small established bank or credit union.

No Joke !!!  I work for Schlumberger and they have a good credit union.. This was the last straw. Our company's credit union even has a small annex branch in our building......

[mikepmcs]

Aren't you in the Air Force?  How are you not a member of some real credit unions already like Pentagon Federal, Navy Federal, and USAA even.
Make it happen. Quit dickin around with small time crap and get your money where it's safe.  

Glad you got your money back.

For the record, I auto pay everything and have never had an issue.  

[moparstuart]

Yup, i only pay my bills by old fashioned letter mail, or in person. I'll never do it differently either.

[hemi68charger]

Aren't you in the Air Force?  How are you not a member of some real credit unions already like Pentagon Federal, Navy Federal, and USAA even.
Make it happen. Quit dickin around with small time crap and get your money where it's safe.  

Glad you got your money back.

For the record, I auto pay everything and have never had an issue.  

yeap, the Texas Air National Guard. Problem is convenience. The Credit Union is in extreme south Harris County and I live in the North..  I'll try my company's CU.

[skip68]

I agree with others, NOBODY HAS ACCESS TO MY ACCOUNTS!   

[Troy]

Just to clarify...

if you set up automated payments through your bank account ("bill pay" feature) then they really have no idea what the balance is on the account you're paying. It sends an automated payment indefinitely and you're responsible for shutting it off. If you set up a "recurring payment" on your credit card account using an electronic check from your bank then, yes, it should have been smart enough not to take a payment when your account was paid in full. That doesn't mean it was that smart - but it should have been.

Just because it's the same bank doesn't mean all the different divisions know what is going on elsewhere (sadly). Credit card, business accounts and consumer accounts were well separated in the past and merging them has been a bit of a headache. I once had a debit card purchase show up on a credit card I hadn't activated yet because they were both tied to the same checking account. When I went to increase the limit on the same card later on I ended up with a second card.

The reason I stopped using my credit union accounts was convenience - I can't bank online and I can't manage to get to the office during business hours. I work 24 miles from home and one CU is near where I live while the other is near where I used to live (25 miles the other way). I like the service but I hate payment books, printed statements, etc.

Troy

[twodko]

Yup, i only pay my bills by old fashioned letter mail, or in person. I'll never do it differently either.

X2

[hemi68charger]

Just to clarify...

if you set up automated payments through your bank account ("bill pay" feature) then they really have no idea what the balance is on the account you're paying. It sends an automated payment indefinitely and you're responsible for shutting it off. If you set up a "recurring payment" on your credit card account using an electronic check from your bank then, yes, it should have been smart enough not to take a payment when your account was paid in full. That doesn't mean it was that smart - but it should have been.

Just because it's the same bank doesn't mean all the different divisions know what is going on elsewhere (sadly). Credit card, business accounts and consumer accounts were well separated in the past and merging them has been a bit of a headache. I once had a debit card purchase show up on a credit card I hadn't activated yet because they were both tied to the same checking account. When I went to increase the limit on the same card later on I ended up with a second card.

The reason I stopped using my credit union accounts was convenience - I can't bank online and I can't manage to get to the office during business hours. I work 24 miles from home and one CU is near where I live while the other is near where I used to live (25 miles the other way). I like the service but I hate payment books, printed statements, etc.

Troy

I totally agree with you Troy on all accounts. In this day and age, with a technology, my biggest beef was the total lack of ability or know-how on getting my funds back to me. I knew it could be done, I was just luck to eventually get an associate who really cared and had the knowledge to help me. Just got off the phone with the CEO's rep. and she assured me this would never happen again and she would personally monitor the refund process.....

Case closed..... Now, we'll see where I go from here............

[Ponch ®]

Ive had the same issue with BofA in the past, and solved it the same way, except I was googling it online and I found the number for the CEO's office or whatever it is. Funny thing is, after the lady was done taking care of the problem, she told me not to post about it online. I guess they don't want the "secret" to get out.

Anyway...I'm with BofA out of convenience more than anything. I opened my first checking account with them back in 96-97 (when I was still in high school), and just kinda stuck around, mostly because theres either a branch or an ATM in every corner.

I joined a credit union when I bought my Charger a few years back. The dealer got the financing done through them and in order for that to happen I had to join and open a savings account. It's great for that sort of thing, or if you need a loan , but there's only one branch in my area and it's about 10 miles away. Doesn't seem like much, but if I need to take out a $20, I'm not gonna drive that far, and if I use another banks ATM, that $20 quickly turns into $25 or so.

[Richard Cranium]

I've never used an ATM in my life. 

[hemi68charger]

I've never used an ATM in my life. 

Don't get out of the house much? I don't have one in my house either.... 

[moparstuart]

I've never used an ATM in my life. 

that explains alot

[1969chargerrtse]

I've never used an ATM in my life. 

that explains alot

[Charger RT]

Now what you have to do is get yourself out of that overly-large bank & start an account with a small established bank or credit union.

This is what I have always did. But for some reason Bank of America keeps buying my accounts. They bought one of my credit card company. I closed that account and since then they have bought 2 more credit cards and my mortgage. I give up.
Tim

[Cooter]

Think that's bad, I bought my house back in May of 2001. By the time I had my first payment in the mail, my loan had been sold FOUR TIMES IN ONE MONTH...Thanks to an a$$hole named Osama...

I then recieve this payment back at the bank, they want to know what to do with it, meanwhile my account is behind and I haven't made the first payment!?!?
I then find out that BOA owns my loan, I call 'em up...they seem to not even care if my credit gets ruined by some idiot selling my loan and NOT letting me in on it and where to send my payment...I told BOA that if They had $90K of MY money, I'd damn sure want it back..

I then mail out the next payment thinking everything is good to go....Loan gets sold another 5 times. All this inside the first 7 months of ownership...if I had it to do all over again, I'd be renting for the rest of my life. NEVER will I EVER buy another house...

Then, I recieve NUMEROUS phone calls asking me to refinance my house...I refuse as I just know they are goona screw that up as well..Plus, they don't tell you it's gonna cost you another $4000 in "Closing costs" on the backend of your loan. So, I answer one of the pesty phone calls AT WORK, and proceed to tell the guy that If it's gonna cost me any money forget it...he tells me "Oh no sir, this would be a no cost refinance"..I tell him to go for it....

he punches a few keys on the keyboard, and comes back with the bomb.....

"Oh sir, I didn't know we were talking bout a manufactured home here....We can't refinance your home sir"....

I replied: "You mean to tell me, NONE of you calling and bothering me until I FINALLY answered, even Know what type of home your trying to refinance???"
And you want ME to let YOU handle my house payment??? You gotta be kidding right?

This is the day and age we live in today..Too much tech. and NOT ENOUGH Smart people to handle all of it...Cars are no different. Back in the day, I'm sure you heard from your Pappa, Grand pappy, whatever, about how they used to work on cars in the driveway...Today gentlemen, you even TOUCH that new fangled piece of rocket science engineered crap in your driveway, you WILL BE PAYING out the A$$ come time to figure out what you and your buddies did while throwing back a few cold ones, trying to impress the neighbors...Why just the other day, I had one of the "Engineer" types come in the shop talking bout how much better his Jeep Grand Cherokee was getting on fuel mileage after he installed these "Hood Louvers" on his hood. i took one look at what he had done and couldn't believe it. He actually cut holes in his hood and POP RIVETED these stainless steel "louvers" to his hood that looked like old IROC Z hood inserts...And was proud of what he had "accompished"...I reminded him that what did he think was gonna happen when all that rain water dripping down on his Coil packs, connectors, cam sensor, injector harness plugs, ECM, etc. was gonna do?....

He looked at me like I was from Mars and reminded me that those "Louvers" were designed by "Jeep Engineers" on the Jeep forum and I didn't know what I was talking bout.....Today, I had to replace the entire coil pack as a unit cause you can't get just ONE coil for a dead miss....Yep, you guessed it...Water intrusion...

He then asks me about REMOVING TWO OF HIS cat. converters (Pre cats) as he read online that he would be getting so much better fuel mileage without 'em..
I told him, "You do that, and your Jeep will NOT pass state inspection for one thing and the fuel mileage will go DOWN as the engine's PCM uses the Cats. as a way of controlling the Fuel Injection Via the O2 Sensors. Pre and Aft. Now for a man as "Smart" as he thinks he is, For the Life of me, I cannot figure out why he didn't reallize what he was trying to do would actually Hurt his MPG....Too much "tech" and not enough smart people to handle it....

[Charger_Fan]

I wouldn't bank with BOA if they gave me a free Charger. I won't bore you with my multiple reasons, other than to simply say that they've become too big for their own (or any member's) good. I agree that a Credit Union is the best way to go, and I very rarely accept any automated payment deals...in fact, only I'm doing one so far, my mortgage. Anyone else gets paid the old fashioned way...involving envelopes & stamps. Verizon hates it.
The day some debtor won't accept my checks as payment, I'm mailing cash. After all...these days, cash isn't worth the paper it's printed on any more than my checks are...