Why I Wish I Never Opened A Bank Of America Account

It has been a LONG time since I have gotten this upset. I won't go into details but here's how it breaks down. 1. I've been a customer of BOA since 2003. I have never received any nice perks nor have I ever experienced an extraordinary show of customer service. 2. When I was in middle school, I was set up with a checking and savings account. I was told that if my checking account had an overdraft, my savings account would cover it. Nowhere in my paperwork did it state that there would be a $20 fee. I have still to this date not found this fee in any of their terms and agreements. It's such a stereotype but there really are hidden fees. 3. Their online bill pay is not reliable. People choose to pay online because they trust that BOA will do what they are supposed to do. Instead, canceled payments have still gone through; payments have arrived late; and scheduled payments magically disappear. Their excuse is that I need to print confirmations and hold onto them for 60 days but then again, how is that convenient? 4. This branch's manager assured me that she would reverse my late fee which was as a result of their flawed online bill pay system, let me know that I would get a follow-up call in a few days; and would cancel my pending online bill payments. Instead, the late fee was still there, I never got a call, and the canceled bill payment still went through. 5. Branch managers have more authority than the customer service reps at the 1(800) number. This means that for some issues, you have to go into a branch. How convenient. 6. The customer service reps don't have the slightest clue what customer service means. I get interrupted, transferred to machines where I have to re-state my issue MULTIPLE times; talked back to; told NO NO NO; and lied to. Supposedly they document all phone calls but they don't. You cannot count on all of them to follow through or do what they say; some reps have been good but the negative overshadows those few individuals that try and do a good job. 7. Checking, savings, and CD interest rates are a joke. Do yourself a favor and open a Schwab.