kam1013
United States of America#2General Comment
Tue, October 19, 2010
i put in a cash deposit of $600 into a BofA atm and the screen said you just deposited $500 instead of $600. i took the receipt and ran inside and they told me i had to call the 1-800. i did and they issued me a $100 credit but said it would take 6 weeks for them to check the atm and resolve the claim.
i just now got the letter in the mail and it said they never found any extra cash in the atm so they are taking the $100 back out of my account. i just did a few google searches and see a lot of cases like this. i really feel like they could be scamming with this and if no one posts or complains they will get away with it. i am going to post my story along with others on as many sites as i can find and also file a complaint with the BBB. i know i put in $600, but because it is my word against theirs i will never see that money again. such a terrible feeling and unless i speak out, this will continue to happen to others for a long time.
Helen
Brighton,#3Author of original report
Wed, July 02, 2008
Hello, thank you everyone for reading! I already gathered all the documentation I had and went to talk to someone in person at a branch near my work. No luck, they said that I had to go through the formal channel of the claims department. However I did NOT talk to the bank manager, because I hadn't read your comment and honestly it didn't even cross my mind to talk to a manager. I think I will try to talk to the bank manager and if that doesn't work, then at another branch. Jim - you wrote that my story had no relevance because it was a cash deposit that I can never prove. You're totally right, the as far as the bank goes, the problem centers around the cash deposit that I supposedly never made. I can sit here all day and try to convince everyone that I'm not a thief, but that's useless - honestly, I don't know if I would blindly believe someone with my story, either. You are 100% correct that there is nothing I can do and no one can help me. I DO have the deposit receipt from the ATM, which you seemed to have missed in my story, but again, that's also irrelevant because the bank has no way knowing if I put in a totally empty envelope or actually put money in it. However I'd like to to clarify that my dissatisfaction with BoA is mainly with the way the claims department has treated me. We've already established that at this point that no one can help me and obviously the bank has made its decision. It probably HAD made the decision when they took away the credit. So let me ask all of you - why did they feel that it was necessary to string me along, pretending to listen and take action while I was wasting HOURS AND HOURS of my valuable time on the phone in vain, explaining the same thing over and over again - getting my hopes up because almost everyone seemed sympathetic and EVERY ONE OF THEM assured me that they are taking some sort of action on it to correct or at least look into this. MY TIME IS MONEY, TOO. They tell me I should wait "10 more days." BUT when I call back, they have no idea what I am talking about and the person that I talked to before apparently did not leave notes or actually take any action. So isn't that simply being lied to and being ignored, time and time again? Am I unreasonable for being upset with this kind of customer service? IF they DO think that I am a thief, which they most likely do by the way they've treated me, ALL THEY HAVE TO DO is to say "we looked into it again - we are reversing our initial decision, you never made that initial cash deposit and are NOT getting your money back." Yet that is NOT the case. The claims department supposedly "cannot figure out why the Adjustment department took out the money." Who knows what they know, but that's what they keep telling ME. I have yet to hear from ANYONE at BoA that this is because they went back on the result of their investigation and they determined that I lied about the deposit. Instead, it's a "miscommunication" that needs 10 more days, 10 more days, and then 10 more days to be resolved. I am just incredibly disgruntled that they pretended as if they were working on it, when they NEVER have been. Why let me go through all that trouble for nothing, for over a month? It doesn't make any sense to me. I really appreciate your taking time to read my story. I hope I clarified my situation a little bit - you don't have to agree with me, but BoA claims department has completely ignored and thus thoroughly insulted me as a customer.
Nancy
Steilacoom,#4Consumer Suggestion
Tue, July 01, 2008
Before you sue try this. Gather up all your papeprwork including youor ATM receipt adn go into the bank and talk to the bank manager. It is harder to blow you off in person. Tell the manager that IF you do not get som satisfatcion, youa re going to take your money elsewhere and you are going to sue. See what happens.
Jim
Anaheim,#5Consumer Comment
Tue, July 01, 2008
Listing an excuse that says, "YES, that does NOT mean that something can ever go wrong, but my problem with BoA does not center around the actual deposit, so read on before you criticize. I deposit cash in an ATM all of the time and I never had a problem before...." is irrelevant. The problem obviously centers around your deposit - it is that simple - and that is how the bank looks at it. The bank reversed the deposit because they have no proof you made... the deposit. All of the calls you've made center around...the deposit. Your complaining centers around their inability to handle the investigation related to....the deposit.... Truth is...they investigated and escalated the issue up and nothing was found in your favor. You keep finding another person to try and help you and the truth is - there is nothing you can do. The bank probably balanced that day, meaning there was not $380.00 lying around that belonged to nobody. Now, if you can prove you made the deposit, you can try court. But if you have no receipt from the ATM, you are out of luck. If you want to stick it to corporate America (as you put it), next time take the cash deposit in person to your bank and don't rely on an ATM. There you will take up the time of a teller who will have to help you and the bank must pay the teller for performing the service.
Sonny
Riverside,#6Consumer Comment
Mon, June 30, 2008
Sorry to hear about you loss......if you noticed, BOA and Wash. Mutual have the greatest number of complaints on this site.....anyway, dont waste your time dealing with these scumbags...your best bet is, SUE THE BASTARDS IN SMALL CLAIMS COURT.......there is a good possibility that they will settle with you prior to the court date, if they dont, secondly the manager who will come to the court will not put a good defense because he/she is not a lawyer, , you have to get organized, get all the rule books, all the notes on who you talked to, etc.....i have done this before and in every case, I WON......you will get back your court costs and if i were you, i would claims a few hundreds bucks as punitive damages.....good luck and dont let these scumbags get away with it.