- Platinum Member
- Posts: 93
- Joined: Wed Aug 17, 2011 10:53 pm
- Location: USA
Times change and so can service and BofA and Chase may be perfectly fine nowadays and I'm just as certain someone out there has a horror story for someone else's favorite bank just as someone might have a rave.
For my BofA story in particular, I was told that the 'upgrade' had been a mistake on their part, HOWEVER, the fact that I didn't contest it until 3 months later (3 months of NO banking activity, which I pointed out to them, which meant I had left what little I had in the account at the time and didn't look at it during that time period since it was a FREE checking account at the time) meant that I was to owe whatever penalties and fees that occurred. Those fees that occurred occurred because I 'didn't meet the minimum balance requirement' for the upgraded account and because I didn't have enough in my bank to cover the fee, I got overdrawn on top of it and so owed an overdraft penalty as well.
$100+ on top of being hospitalized and owing a crap ton of medical bills, coupled with the fact that my family received my overdraft penalties/fees due statement and letter and screamed at me while I was in said hospital, coupled with the Branch Manager's attitude about giving me back my Student Checking once my fees were paid in full was enough to make me swear off BofA for as long as I could remember the incident.
Obviously, years later, I still remember the incident entirely too well which is why I don't own any BofA products to my name.
But again; hey, maybe that was just my own bad luck and bad situation. I'm sure other people have had awesome experiences just like I am sure other people have had horrible Citibank or whatever other banking institution experience.
AMEX: Everyday (MR), Macy's (cobranded)
MASTER: Citibank Dividend Platinum Select (non-World version)
VISA: Chase Amazon Signature, Chase (bank issued)
GE: Care Credit (medical expenses), Macy's (store), JCP (store)
AMEX: Costco True Earnings
VISA: Chase Ink Cash