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Posted: Wed Oct 31, 2007 6:23 am Subject: My Bank of America Story

Okay I put a stop payment on a check on Monday but the automated reply was that if it was presented that night it could possibly clear. So called customer service # and spoke with someone in person who stated yes that it could clear but any NSF fees resulting from this would be refunded. No PROBLEMO!

Move ahead to Tuesday morning, sure enough the check cleared and sure enough there would be NSF fees on the acct. So I called cust serv once again and the gentleman once again stated the NSF fees would be refunded the next morning after they posted but he went ahead and refunded my stop payment fee.

Now here we are Wednesday morning, and I call customer service who states of course NO we cannot refund your fees because YOU put a stop payment on the wrong check #. Okay so now my blood begins to boil, "let me speak to your supervisor please" So of course now I get some foreign national who stated once again that it was MY FAULT and the NSF fees would not be refunded. OK so I am one step away from using profanity and screaming at this person. I keep stating to him that TWO people told me these fees would be refunded and I did not hear anything about the wrong check # until this morning. He WOULD NOT budge off the no refund so I ask him to transfer to his supervisor and he states " SHE IS NOT AVAILABLE" oh no you did not go THERE, now I am really pissed so I calmly (ahem yeah right) ask him for the corporate phone # and this idiot states to me that he does not have a corporate # but could give me the address.

Now folks I did not just fall off the turnip truck, I WORK in a call center and I know how operations function. So I basically tell him he is a liar and that I will not stop until I get these fees refunded.

So of course being internet savy I google BOA corp # and sure enough found someones BLOG and there was a Executive Customer Service # 1-704-386-5687 Bank of America. Apparently I am not the only one BOA screws over. Anyhow I spoke with a very nice (of course she was) lady (Anna) who listened to me bitch ( I hate when people call me and bitch about stuff) and then refunded my
$175 in NSF fees.

Folks don't stop until you get what you need in life, bark up every tree until Big Brother realizes he can't mess with you and get away with it

Posted: Wed Oct 31, 2007 7:32 am Subject:

Posted: Wed Oct 31, 2007 9:13 am Subject:

I made the comment because HE was a foreign national and I am not the only one on this website who is tired of getting people on a customer service line who you cannot understand and think they are Gods gift to the American way of life. If that is narrow thinking then so be it, I am narrow as a freaking 2 X 4. Content Edited by Goudah. Personal Attacks not allowed per the Terms of Service of this site.

Posted: Wed Oct 31, 2007 9:34 am Subject:

OK--this is stopping now-no more comments, except on debt or credit problesm..We do not tolerate personal attacks on people in this forum.

Everyone is welcome to post here, however, attacks, etc., are taken at a zero tolerance policy.

If you have questons, or comments, please remember this..karen

Posted: Wed Oct 31, 2007 9:37 am Subject:

Thank you so much Karen. This was very upsetting

Posted: Wed Oct 31, 2007 9:44 am Subject:

You are welcome- I am so tired of having to say and do this, and all the negative.

I am here to give back what I have been given from this forum. We should all be here for one common bond- to get out of debt and to help others-not to be snide,rude or short with others.

No on here is better than the other. We are all equals-

Now, I am getting back to what I come here for- to help others-

karen

Posted: Wed Oct 31, 2007 10:02 am Subject:

I edited out the attacks. There is really no reason for them.

HT07 - I understand what you were saying, and why you reacted as you did. I don't think you meant it quite how it was taken, more as a comment about the outsourcing of customer service to foreign countries then anything to do with racism. But personal attacks are not allowed, and if they continue you could get banned. Opinions are wonderful, attacks aren't. Just keep it clean and you will be welcomed.

I also agree and understand how many people could take the "foriegn national" comment as an insult. It goes both ways.

Posted: Wed Oct 31, 2007 12:09 pm Subject:

Um lets see, do I really care if I am banned, UM NOOOO, if you see I post sproadically on this site. I wanted to share a success story and once again it turned into a slam against me, so please bann me, you know what JUST DELETE my acct while your at it, WHATEVER no wonder you people stay in debt

Posted: Wed Oct 31, 2007 12:23 pm Subject:

HT07 - it's ok. I'm with you on the whole outsourcing issue. I have a job because our customers would not stand to talk to someone in a foreign country. And yes - many of the techs you deal with from a far away land have a very condescending attitude. So maybe VBM had some personal feeling about your statement of "foreign national", but I actually like that reference, for the main reason that is is highly NOT offensive. I have read some pretty vile words regarding techs from out of the country all across this forum.

And VBM - in all honesty, I think his statement is very relevant to the situation. I find the outsourced customer service to do everything BUT provide service. They are ill trained and basically just don't give a crap, causing more frustrations for the consumer.

Posted: Wed Oct 31, 2007 12:26 pm Subject:

ht07, i know that you are upset over the rules, but just as everything in life you just have to follow the rules. we are very happy that you did have success on solving your problem, but it's just that we have different people of different nationalities here and no one wants to be insulted just because they are different from you. in case you may not know, some people speak with accents and that doesn't mean that they are not americans. i have a southern accent and when i lived in california, people looked at me so strangely when i talked and made fun of me. also, i lived in an all white community and i am black so you know that i looked like a fly in a bowl of potatoes. the place that i worked at never hired a black person before, and they treated me like crap at first, but you know what? they started hiring more minorities because i proved that even though i talked and looked differently i was a good person. sometimes i get upset when i talk to someone with an accent because i can't understand them but i think about myself and how some people can't understand me and i just try to be patient. we welcome you to the forum and we are proud of you, and just because we don't agree we are friends and have agreed to disagree. i hope i have not bored you and i know i get off the subject, but i just had to get this off my chest. let me give you one of my Community Hug

and come back and visit. we would love to be there for you during your successes and setback. Smile

love you always
granny[/i]

Posted: Wed Oct 31, 2007 12:41 pm Subject:

Posted: Wed Oct 31, 2007 1:16 pm Subject:

True, VBM. I think, though, that he used "foreign national" as opposed to using one of the many rude, racial slurs that can be used to reference another nationality.

Trust me - being in the computer business as long as I have, not only have I lost my job from it being sent overseas, not only have I had to call them and try and get them to understand the basics of computers, but I have called as a consumer and realized that the rep on the other end does not possess the technical skill or people skills to do the job.

When I worked for Sprint, we did have many off shore customer service reps. SOOOOOOO many customers would call in for the 4th or 5th time and finally get someone who was based in the US and would actually fix their problem instead of being rude or making very little attempt to resolve.

Now, where I work we do have a wide mix of nationalities, and all are pretty decent techs, both people skill and tech-wise. I think a long time spent in the US, working in a US company in a US work environment has set that level of service in each one of us - those born here, or in the south, or the west, or out of the country. It's the work ethic of this country. It's how we teach people to work. Granted - there are some bad eggs. Every company has those. They cannot be avoided. But the great majority care about the person across the counter or on the phone.

Posted: Wed Oct 31, 2007 1:22 pm Subject:

I work for a large bank and one of my jobs is to analyze risk with offshoring. I fully understand the service level issues.

If someone is going to use the term "foreign national", use it in the context for which it belongs...definition above.

Sure, I can "appreciate" the non-use of blantant racial slurs, but why go there at all??

Posted: Wed Oct 31, 2007 1:28 pm Subject:

With my experience, the fact that he had to deal with a person that was ill-equipped to handle his situation made it even more of a bother to him. And considering the numerous horror story of outsourcing of customer service, he just put 2 and 2 together. Hell - I would have done the same.

If not "foreign national", what term do you think he should have used?

If he had called and spoke with me, he would have been fixed first time. Smile

Posted: Wed Oct 31, 2007 1:31 pm Subject:

Sorry to pop in here,but why use a term at all to describe another human being. I think the word person would have been enough.

Posted: Wed Oct 31, 2007 1:32 pm Subject:

enough said

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