I think somebody posted a thread not too long ago about their crappy bank, but I feel the need to weigh in with my mundane, pointless banking experience.
I was with a local bank until they got taken over by the semi-monopoly Bank One. I considered changing banks immediately based on the experiences of a friend, a poor college student, who was mistakenly told by Bank One that his account was overdrawn by $7 million.
So anyway, I figured I might as well stay with Bank One because of they have ATM’s everywhere and if you use their ATM to withdraw money from an account at another bank they charge you a whopping $2.25.
Well so far I’ve put up with a year or so of $10 “service charges” every month because my balance was under $800. It pissed me off, but not enough to change banks.
Two months ago I noticed that the screen at the ATM said “Pay bills online. Get $25!”
Hey, good deal right? This bank might not be so bad after all. I signed up and didn’t get a penny. I called customer service and asked where the hell my $25 was. Lady said it would take 90 days and that it said it would take 90 days on the ATM screen that I saw. I
drove down to the bank and confirmed that it said no such thing.
This was lie #1.
So I call them back and they say, well it says on the website that it takes 90 days. However I was unable to find any page on the site that said anything like that.
That was lie #2.
I found an advertisement for the online bill paying with one of my bank statements that said “Sign up before Nov 7, and $25 will be depositted into your account between 11/9 and 12/10.” I had signed up on 11/2.
This was lie #3, since today is 12/11 and I haven’t seen one red cent.
I called up this morning and was told that lots of people had signed up for this service and it would take a while to get the money.
“The ad says between 11/9 and 12/10,” I said incredulously, “You’ve already HAD time!”
Also I pointed out that since this stuff was all done by computer, it could all be automatic, and shouldn’t take more than two minutes to give everyone their $25.
Customer service didn’t have an answer for this, but they assured me I’d get my $25, only they weren’t quite sure when that would happen.
3 strikes, Bank One, YER OUTTA THERE!
As soon as I get my money I’m closing my account and going with a nice local bank. Yeah they only have one ATM in town, but there’s no minimum balance fee, free checking, and the satisfaction that I’m not giving my money to lying crooks.
I know Bank One has branches in several states. Anyone else have any problems with them?