I finally left Bank of America today, after months of saying I would. I just liked my Hello Kitty card (it accentuated my asianness). The fact that there was a photo on my card was convenient, too. But no more. Large corporate banks like Bank of America are fucking evil. All the times I was ripped off and taken advantage of makes my blood boil. Every time I receive a wire transfer from my parents in Asia, BOA takes $20. Every time I touch my savings account more than the limited amount, BOA takes $20 (which I didn’t realize till the second time around). Every time I dip lower than my balance, BOA takes $35.
I’ve never voluntarily gone below my balance. The only time this happened, it really wasn’t my fault. I used my debit card to purchase a plane ticket that cost $1800 from Alitalia (don’t EVER buy a ticket from this airline, trust me on this one). Alitalia charged me TWICE. That’s $3600 I didn’t have. Imagine my surprise when I checked my account balance and it said something like -$1600 in red. Obviously, BOA charged me the $35 for overdraft fees. I called Alitalia, enraged. They gave me the usual apologetic bullshit and refunded me the money. Then I called BOA to undo the overdraft fee. Their response? Not our problem. Get the $35 from Alitalia. I call Alitalia again. Can you guess their response? NOT OUR PROBLEM. Sort it out with your bank. Are you fucking kidding me? And this is after holding on the phone for a long time (which I’ve already expressed that I absolutely despise doing). I was very, very, very angry.
The main reason why I cancelled my account at BOA was because I thought my bag was stolen. Since there was an unused check in my wallet, the dude on the customer service line told me it’d be best to put a complete hold on the account for the time being. At the state of panic, I agreed. After I got my bag back, I went into BOA to get rid of the hold. What pissed me off the most was that the people at BOA couldn’t do a single thing to help me. They said I needed to call customer service. WHY, WHY, WHY FUCKING WHY? Why does this have to be done over the phone? I called at the bank, and they said they couldn’t release the hold because of the checks. It was some kind of “special” hold. They told me that I needed to cancel my account altogether and set up a new one. While I was waiting for the lady to set up a new account, I was deep in thought. Maybe this is a sign, I thought. Besides, they weren’t doing the Hello Kitty cards anymore. That really upset me. I really loved that card.
Since they weren’t going to give me a new Hello Kitty card and I hate the shit out of BOA, I decided that it was time to cut the cord. I told the lady I changed my mind; I want to cancel my account and get all my funds in cash. Walking out of BOA with a thick envelope of cash, I felt free. No more bullshit. I’m in the process of researching for a less evil bank. I’m thinking a small to mid size one. I’m not sure exactly. The important point is, I’M FREE!