- Report: #933770
Complaint Review: Bank of the West - Internet
Reported By:
Shinwoo Lee -
Jersey City, New Jersey, United States of America
Submitted:
Updated:
-
Author Not Confirmed
Why?
Bank of the West
Internet, United States of America
Phone:
Web:
www.bankofthewest.com
Categories:
Business Rating:
(0)
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Bank of the West No Customer Value, Do Not Bank With BOW, Internet
This is by far the worst bank I have ever been with. There is no loyalty to their customers nor do they care about anything else other than ensuring that their bottom lines are well taken care of.
I have been a loyal bank customer of this bank since early 2010. Recently, I have obtained a new position on the east coast where this bank does not have a presence. I had to transfer majority of my funds to a different bank, but decided to keep this checkings account open in case I decided to move back to the west coast in the near future.
I left $10 in this account, but due to a minor error, a withdraw was taken out directly from a credit card vender for a value of $100. Without any notification, mail, text, or call, I received a letter last night stating that I am being charged $5.00/day until I am able to pay this off.
The funny thing is that the mail is dated 6 days prior to when I received this letter and after confirming my online statement, I have been charged $30 for these charges. I called my branch to explain how this is ridiculous as I was completely left in the dark, but she simply stated that the bank mailed me a notice of my overdraft a few days back, which I never received. Once I explained that I never got this mail, the only response I got was "that's not our fault, its the mailing system". They told me to deposit as soon as possible as they will continue to charge $5.00/day that they do not receive the funds. I proposed that I pay the overdraft balance over the phone as long as the fees are all removed due to an error from the 'mailing system'. I was told that this is not an option and was told that they want to split the charges 50/50. I don't think they realize that it's not about $20-$30, but it's the dirty feeling of being ripped off completely by a bank you stood by for so long (I never had a fee in the past year- which she confirmed as well)
I am just mind-blown by the principle of this situation. How is $30 +$31 late fee charge more important than maintaining the relationship between the bank and the customer. I am surprised that the bank would risk this simply just to earn some pocket change for themselves. I emailed them for them to call me this morning, I got no call, and got charged $5.00 for today.
As I type this, I will be mailing them a check to balance out the entire account and do not plan on working with them ever again. This is the worst service I have ever received.
My advice is to please not use this bank. This bank is the worst bank I have ever worked with and they only are finding ways to ensure that your mistakes are accounted for. One mistake cost $61 and my entire trust in their system. Horrible customer service and no loyalty.
I told them that I don't think I could work with this bank and they responded with "OK". How they stay in business, I will never know.
I have been a loyal bank customer of this bank since early 2010. Recently, I have obtained a new position on the east coast where this bank does not have a presence. I had to transfer majority of my funds to a different bank, but decided to keep this checkings account open in case I decided to move back to the west coast in the near future.
I left $10 in this account, but due to a minor error, a withdraw was taken out directly from a credit card vender for a value of $100. Without any notification, mail, text, or call, I received a letter last night stating that I am being charged $5.00/day until I am able to pay this off.
The funny thing is that the mail is dated 6 days prior to when I received this letter and after confirming my online statement, I have been charged $30 for these charges. I called my branch to explain how this is ridiculous as I was completely left in the dark, but she simply stated that the bank mailed me a notice of my overdraft a few days back, which I never received. Once I explained that I never got this mail, the only response I got was "that's not our fault, its the mailing system". They told me to deposit as soon as possible as they will continue to charge $5.00/day that they do not receive the funds. I proposed that I pay the overdraft balance over the phone as long as the fees are all removed due to an error from the 'mailing system'. I was told that this is not an option and was told that they want to split the charges 50/50. I don't think they realize that it's not about $20-$30, but it's the dirty feeling of being ripped off completely by a bank you stood by for so long (I never had a fee in the past year- which she confirmed as well)
I am just mind-blown by the principle of this situation. How is $30 +$31 late fee charge more important than maintaining the relationship between the bank and the customer. I am surprised that the bank would risk this simply just to earn some pocket change for themselves. I emailed them for them to call me this morning, I got no call, and got charged $5.00 for today.
As I type this, I will be mailing them a check to balance out the entire account and do not plan on working with them ever again. This is the worst service I have ever received.
My advice is to please not use this bank. This bank is the worst bank I have ever worked with and they only are finding ways to ensure that your mistakes are accounted for. One mistake cost $61 and my entire trust in their system. Horrible customer service and no loyalty.
I told them that I don't think I could work with this bank and they responded with "OK". How they stay in business, I will never know.
1 Updates & Rebuttals
The Insensitive Lobster
Santa Fe,New Mexico,
Too bad, so sad.
#2Consumer Comment
Tue, April 02, 2013
Ok, I have a question for you. Who said, "I left $10 in this account, but due to a minor error, a withdraw was taken out directly from a credit card vender for a value of $100"? Why, I believe that was you! (I love the spelling and grammar mistakes, by the way.)
Legally, banks only have to notify a customer via mail that their account is negative. Now, much like yourself, the postal service is slow and unreliable. However, they fulfilled their obligation. You, on the other hand, didn't make the effort to ensure that your account wasn't overdrawn and now you expect us to sympathize with you. Sorry, that's not going to happen. You agreed to the bank's fee structure when you signed the opening paperwork and there's a million ways that you could've checked that account balance. It is YOUR responsibility to make sure that the account is in good standing; not the bank's! You made your bed, so sleep in it.
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