Bank of the WestConsumerAffairs Unaccredited Brand
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WORST BANK EVER. I only had account for 2 months but had nothing but problems and finally got a letter from them opting to close my account. I opened my account and received my DMV registration. I used bill pay to pay it. I thought that because DMV is one of the largest "companies" in the US it would be in the 21 Century and my payment would electronically be paid. I received my registration and tags in the mail and thought all was well until I came home on a Fri about 2.5 weeks later and got a notice from the bank that a check I had written for $384 had bounced and was charged $35. I immediately called and explained that I had just opened an account and that at my previous bank when I made a bill pay the bank deducted payment at that time so I had a "living" balance so to speak. The rep was good and said he understood and we made a transfer of funds so that they would be there if the DMV tried again and he removed all fees.
Next day I got another snail mail and it said that they had tried to run the check through again, did not go through and charged me ANOTHER $35! (Never did they call or email me). Then the rep said that the DMV could try to cash it up to 4 x and that I should be sure and call the DMV on Monday and make sure that their bank tried to send the $ through again. Although she said they weren't supposed to she made an exception and after 40 minutes was able to remove the second $35 fee.
On Monday I called the DMV and that is where the nightmare started. I called and waited 1 hr. finally got someone who said I needed to call a different number. I called that number, waited another hr, and was disconnected. I called back and got a message that there would be a 72 minute delay. It also said if I wrote a bad check there would be a $30 fee and also a 65% fee of the original amount ($230) unless I could get the bank to say that it was their fault.
I decided to go to the main bank in Stockton and wanted to talk to the supervisor... But she was not in. I instead got the assistant manager. I explained the situation and asked if she could write a letter explaining the misunderstanding. She said she could not do it unless she got prior authorization from someone higher. I waited there for about 45 minutes and in the meantime kept trying to reach out to the DMV. Finally about the time the assistant manager came up with a letter DMV said just to go to the DMV and ask to the manager and take the cash to pay.
At that point I went to the teller and withdrew $384 as instructed by the DMV person on the phone. But something else had occurred in the meantime. On that Saturday I misplaced my debit card. I spoke to someone in customer service and asked what was the last place I used the card and also if he could just place a HOLD on my account so I could check and see if I could find it. Within 45 minutes I called back to notify them I had found it and asked to have the hold removed. She said she would.
On that Monday when removing the $384 to pay the DMV at the teller the teller said that there was a hold on my account. I explained that was not right. That I had put one on Sat but removed same. She said she would take care of it. MORE NIGHTMARE. Bank of the West actually CLOSED MY DEBIT CARD. So I could not withdraw money from the ATM or use my card. I did not find that out until later that week when I was HUMILIATED at Starbucks when I went to pay for a $5 purchase and my card was declined. I called and found out that the person had not put a HOLD on it but closed it without my authorization. I called and the bank said that a new card would take 7-10 business days. So now I could not get money out of my account as it was the weekend and had no access to my $ until Monday.
I talked to a manager at the corporate level and of course, I was upset, who wouldn't be...but he started stating that I was being abusive...which I was amazed at. They did not want to accept any responsibility for their person not doing their job right but wanted to turn the table on me and accuse me of being abusive... because I said that they should let the guy know how much he screwed up my life!!! I also at some point talked to another manager who said that he could not do anything but that I should talk to the retention center. I called the corporate office and asked to talk to the retention area...and the operator said, "What's retention?" She wanted me to give her the definition of retention. Finally she told me there was no retention center and then I called my local bank and asked for the district manager.
In the meantime I received a letter from BOTW stating that they were opting to close my account by Aug 17... another great inconvenience although I was going to close it anyway. And finally today about a week later I got that call after closing one account and removing most of my money from the other from the district manager... a day late and a dollar short? She was aware of my emails and problems but it took her that long to respond. She could have salvaged this account if she had called earlier. None of this would have occurred... And btw when you call for customer service for online banking you have extremely long waits. So I am in the midst of going elsewhere... and happy to say my nightmare with this bank will end. I will be surprised to see if they actually post this. Let's see if they can accept criticism.
I paid off my car loan on July 3rd 2018 at the Chatsworth branch in Calif. 2 weeks later I am told it never happened. They have no record of my payment, yet my check was cashed at my bank. I have made Several calls to the bank in Chatsworth and their headquarters in Nebraska. After last calls they said they are researching the problem. It has been over 3 weeks and the problems has not been resolved. To me this feels like a very shady practice. I would never use this bank again!!!
Absolutely ridiculous. Causing much frustration and pain for mom.
I went in to close a savings account because I was not using it and because I had another savings account in another bank with better interest rates (that's not saying much). A week later I went to my online banking and my active checking account was missing and only the savings account which I had closed was there with a zero balance. I called the branch on Martin Luther King Blvd., and they said that in order to have my checking account online I had to fill out some paperwork.
My checking account had been online before I closed the savings account. I have no idea why they would just delete my checking account from online banking except for their massive incompetence. Over the past several years this bank has been slow to get accounts online, and has made errors causing me huge inconveniences. As a senior, I do not want to call the bank or have to go down to the bank every time there is an issue. That's why banks have online banking, so that they can make their contact with consumers as minimal as possible.
I banked there for 28 years with no apparent problem except they failed to notify me. I qualified for free checking which they continued to collect fees for after I turned 55. Recently I had a family tragedy when both my younger brothers died traumatic deaths in a short period of time. I was devastated and faced with a horrible task to reconcile two estates.
A Bank of the West branch manager in Los Altos, CA decided she needed to give me a lecture about dealing with emotional losses shortly after one brother hung himself and the second brother was diagnosed with an always lethal aggressive brain cancer. I asked her to just attend to the banking task I was there for and leave the lecture alone. Shortly after that this branch manager cancelled my bank accounts therefore heaping a large and onerous additional pile of stress and work on me. This person is clearly a sick individual who has severe psych. problems. The B of the W. management was every bit has flaky and mean spirited as the sick branch manager.
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We wish we had never allowed anything to be financed through Bank of the West. Can't get anyone until you hold for 20 min. Then they have to put in work orders for anything you need that takes several days to a week! They get attitude when you let them know your needs. They are not about serving their customers with quality.
I re-financed my motor home & ended up w/ BOTW. Long story short, they have absolute idiots as CSRs, not to mention rude. Since the inception of my loan with BOTW, I have been making additional payments each month & each payment has been clearly marked as PRINCIPAL ONLY PAYMENT. With each check that I mailed to them, this was also noted in my cover letter in bold lettering, all CAPS & underlined.
What the morons at BOTW simply do not accomplish is reading the instructions in my letters or the memo on the check that clearly reads PRINCIPAL PAYMENT ONLY. So over the course of this loan, the idiots at BOTW charged me interest on four different principal only payments. This of course caused me to have to call these morons to have it fixed, as well has having to get supervisors on the phone because their CSRs either do not speak English worth a crap, they do not listen to what I'm telling them, or they rudely (& continually) interrupt me as I'm speaking. One CSR even had the gall to tell me that I was wrong & that the charged interest was correct on a principal only payment.
I was lucky enough to be able to pay off this loan & no longer have to deal with the clowns at BOTW. What they lost in potential interest by my closing out this loan may or may not amount too much. But they can blame their loss on their slipshod business & customer practices. Do not do business with these iggits. They don't deserve it.
We searched and found a great rate for an RV Loan at BOTW (Bloomington) where we live in MN. Logan and Jarod were outstanding in handling our business - professional, personable, and found the answers we needed to move ahead with our business; we are nothing but highly satisfied with this branch.
** at Bank of the West at 505 Montgomery St in San Francisco was very rude and asked inappropriate personal questions. He also demanded that I tell him names of previous banks where I banked in the past and where I currently bank. When I refused to answer, stating that this information has nothing to do with my banking at Bank of The West, he said he will close my account and hung up.
They keep changing the website and confusing customers. The HELOC loan statements do not show balance forward after each transaction, just the starting and ending balance.
Bank of the West is the worst bank I have ever had, they charge fees for everything and steal money from you, I added all deposits for the yr and everything that has ever been deducted and I have over $400 missing money unaccounted for. I checked this because my account was always being charged NSF fees when I had enough money to cover costs. They are far worse than Wells Fargo; I have stopped my direct deposits and closing out my account! Their customer service is horrible, they don't care about their members, nor care to investigate any issues you are having. Do not sign up with Bank of the West!
I opened a new account a couple of weeks ago and I had filled out my direct deposit with my employer but it did not process this payday which was the 4th of May. They sent me a live check and I used the mobile app to deposit. I was lead to believe when I had asked an agent that it would not be a problem and it would be available in 2 to 3 business days. Well then I was told that it was now going to be available on May 17th. I got paid on the 4th. I have 4th stage metastatic melanoma, which is spreading rapidly. I have a new medication that is waiting to be picked up and that is very expensive called **. I have no money to be able to get it and I need to buy groceries, pay bills, give kids school lunch money... etc. The teller at the branch was nice and tried to help but no luck.
I have got to have this money. I live paycheck to paycheck and by the time I get this available, it will be my next paycheck. I have no way to provide to my family but by this paycheck. I know there is someone that can release this but they refuse. I am a hardworking mother and grandmother and I have been told 3 different stories. I was told it would be available in 2 to 3 business days to you will have 200 available on Saturday to now it is May 17th before you can get any of your money you work so hard for. I have bills that have to be paid. I am just so upset that I would be treated this way and be given so many different answers. I will go to Facebook, Twitter, and every social media site I can. How sad this is!!!
Called Bank of the West customer service to cancel this monthly fee, they refuse to do it. They say go online and do it yourself. Bad customer service, bad attitude, just another way for rip off banks to take your money.
Applied for $650,000,000 agricultural division loan. Provided major application package. Eight businessmen partners. New ranch corporation holding company in new Mexico. VP agriculture reviewed package and offered to provide an equity partner for downpayment. VP making loan asked me for the CEO's job and he was making the loan. Loan verbally, prelim approved. Several ranches and cattle under purchase contract by group, CEO did not get the top job-denied. This is illegal for banker to make a loan and get a job at same company. VP banker no job so he changed all the loan terms previously offered ruined loan. SEC and bank regs say this is illegal. It cost our group the whole project as critical time was lost. Reported crime to OCC and bank denied all twice. Criminal charges should be file here. Major damages in millions. Prosecution here? Bad experience trying to get OCC and SEC help.
My business, which did bank at Bank of the West (BofW), was fraudulently scammed in an equipment purchase by a business banking at another US bank. When the fraud was disclosed to the banks, BofW was slow and seemingly unconcerned in pursuing the matter. The other bank could not talk to me as I don't bank there but I was told by them that BofW needed to contact them to resolve the issue. In frustration at the lack of communication between the banks, I filed complaints with the FDIC and CFPB as well as AGs and finally got to talk to someone at the other bank who told me that they would have refunded the money (1000's) if the Bank of the West had responded to their request for a letter of indemnity.
Bank of the West denies this and after 4 months they have stopped communications... dropped the ball! So now I have 2 choices: start filing more complaints or give it up. In BofW's defense, I have to say that most of the Branch workers were courteous, but I was put off by a few managers (and one with rudeness) and no one did anything without a lot of pushing from my end. And both banks still cannot agree on how it was handled (or actually not handled!). I have been in touch with others who were caught in the same scam and all were refunded their lost money... none of them banked at BofW. I no longer trust my money with Bank of the West.
In November of 2017 I accidentally overdrew my account. We paid the fees, and I went to my online banking profile, where I was able to opt out of overdraft protection. Problem solved... until February of 2018 when my account was once again overdrawn and hundreds of dollars in fees were charged. Checking my online banking profile, I discovered my account was once again set to receive overdraft protection. Once again, I turned it off.
Upon meeting with the branch manager, I was told that the only thing he could see was that my overdraft protection was turned off today. When pressed, he said it was true that I had not even logged into my account today, but I had logged in on April 4th, and sometimes it can "take a couple of days" for changes to take effect. Convenient. I logged in on April 4th to see whether a check had cleared, and nothing else. He wouldn't even consider that there may be a problem with their system. In so many words, he accused me of lying. As soon as I get my direct deposit transferred, I am closing my account. Keep an eye on your overdraft protection. They have already settled one lawsuit for fraud related to overdraft fees.
I will say when you talk to Bank of the West employees at the branch or on the phone they are helpful and very nice people. However to be able to reach them is a total nightmare. You have to follow their automatic system witch lack some of the question you have. Mine was about a loan already paid off. It took a long long time to be able to get the info.
I have always had positive experiences when dealing with BOTW branch banking representatives. They are always friendly and efficient. I cannot say that about their telephone banking reps however. Most of them appear to be very young females who are inexperienced at customer service, ill-equipped to deal with the public, and can become very arrogant and bossy if you have a complaint. The last one I dealt with had no tact and did not know how to handle an unhappy, dissatisfied customer. She talked down to me as if she was in charge of everything, the customer is always wrong, and I was a child who needed to be put in their place. I finally had enough. I ended up hurling the "b" word at her and hung up. I must have gotten blocked because I was unable to contact another telephone banking representative.
I have only had exceptional service with friendly, professional help from everyone at Bank of the West. They always go to bat for me when I get scammed or ripped-off. They are fast in their investigation and have recovered money I thought was gone. Hundreds of dollars have been returned to my account when someone got my number and used it for numerous Uber rides in England. That was one of many times they helped resolve problems. I have read some of the bad reviews written about the bank. I can only assume that those people's standards are too high for anyone to meet. They have only exceeded in meeting my needs and were super friendly and professional doing it. They are my best bank yet.
I am a small business owner in Illinois. I recently found that an ex-employee had gained access to our business checking account. He purchased a car in Oct or Nov. 2016. He called in his car payments to BANK OF THE WEST and gave them OUR BUSINESS account info to pay his car payments. BOW was able to access the phone recording where this person states he is a signer on the account. I also sent them the bank signature cards they requested from our bank. Now BOW won't return my calls and states their "investigation dept." has closed the case. I just attempted to contact them again and was informed there is NO investigation dept. I have filed charges in Illinois against the ex-employee. BOW will not cooperate in providing a name and contact number for the State's Attorney to speak with them. This is so illegal and unethical! STAY AWAY FROM BANK OF THE WEST.
After having banked with four other financial institutions, I feel I am of the informed opinion to unequivocally state that: this bank is by far the worst I've yet to encounter. Here's why (not exhaustive): The bankers are rude across the state of California (irrespective of my consistent six figure balance- I can only imagine how badly they treat clients with a lower balance). There are lots of fees, many of which are unbeknownst to a client (unless you actually read the 56+ page contract). Horrible telephone customer support. Very limited hours of operation compared to other banks. The various branches aesthetic resembles that of the DMV (and have the same impersonal, bureaucratic, and unwelcoming vibe). Complaints are never addressed. I could quibble on and on but, the point is: look elsewhere, this bank is atrocious.
For the past month I have been trying to close my bank account with Bank of the West. I have contacted all businesses that I had direct deposit with to let them know that the account is closed and gave them all my new bank info. However something is definitely wrong since I'm still receiving bank statement from Bank of the West and the direct deposits are still being deposited when the account is supposed to be closed. I have been in 3x to find out why the account is still open and they all claim that it is closed yet no one has or will give me any form of confirmation that the account has in fact been closed.
With all the ridiculous amount of fees this bank demands it doesn't surprise me if they keep it open on purpose just so the account will accumulate fees. All my debits cards have been turned off. So once again I have no choice but to deal with incompetent bank reps. On my day off. Think this time I'm going to seek legal action for I don't know any other way to get through to them to CLOSE all accounts.
In preparation for my 2017 tax return, I ran across a year-old file with an account number and debit card, along with a statement with $120 remaining in my account with BOTW. I call them (spoke to a rep then supervisor named "Latrell") and after giving them all the information about me over the phone, they state they cannot help me. No other reason given beyond that. After giving you my social? My business' name? Fine, I moved on to another financial institution and operations without your bank, but I'm not giving up on $120 now, out of principle. Buyer beware!
BOW added a "new" $15 fee to my 12 yr old $0 fee money market. So on Jan 31 2018 I changed the money market account to an any deposit checking account at the clerk's suggestion. Today in my balances I see I was charged $13 dollars for that last January business day, $13 dollars! I am on my way to my local branch to close the new account. Running some kind of BOW ripoff okie dokie game here? I am a senior, there are laws to protect old people like me from financial abuse like this!!! Snakes! Not only am I looking for a new bank but they are losing my family business account of $220K. Enjoy the stolen 13 bucks because it's the last dime you will see from us.
To my knowledge I never signed up for a Gold Line account, but one was created for my regular checking account. There were fees and deposits done automatically, which I didn't know was happening because I'm not that attentive to monthly banking activity. My needs are simple. As a result, I ended up losing several hundred dollars. I think this was one of those situations where you will automatically get this account unless you specifically say you don't want it. I remember seeing it and deciding I didn't want to sign up for it, but I imagine I needed to decline it. This is a dishonest practice, in my opinion. It lacks transparency and takes advantage of people.
Today was the second time (different locations) in a month a Bank of the West atm has taken my cash without posting the funds. The first time I went through the claims department and later received a letter basically saying they didn't have my money. There's no other process in place for investigating, so I just have to hope they don't steal my money again.
I had opened my new checking account with Bank of the West in August and I believe they took advantage of me because I was new. So what happened was I used PayPal to pay for a few items. When I say PayPal that is the debit card I used thinking it would draw money from my PayPal credit account which I also have. I quickly learned I had my PayPal card in sync with Bank of the West.
Everything I had just bought was being sent to Bank of the West for payment which I did not have money to cover the expenses. Seeing I did not have the funds in my account they charge 35 dollars each time PayPal would send a bill to them to collect the payment. PayPal keeps sending copies of the same bills so I got charged 35 dollars for any resubmitted bills also. Not only do they charge the overdraft fee they also charge 70 dollars for each bill they send back.
I was charged 600.00 for one month of fees. I never saw this coming. When you open a bank account with Bank of the West you automatically have this attached to your account. I am living month to month and really don't have an extra 600.00 to be paying fees with. I called to speak with the manager of the bank who was not helpful. Had a cocky attitude as she made fun of the situation. If I could close the account I would but not until the negative balance gets paid off. This bank is not a bank to trust or rely on.
For 7 months I have been sending in payments on a loan at or near the beginning of each month. Payments are due on the 14th of each month. The Bank of the West, so far, waits until 1 or 2 days prior to the scheduled payment date to process these funds, cheating me out of interest credit. This, in my opinion is a lack of integrity on the part of the Bank of the West. I would appreciate either an email or phone call from Bank of the West with regard to this issue.
Bank of the West is one of the worse banks I ever dealt with. They sign me for overdraft protection but what they don’t do is just that they charge the account every time but they don’t pay for the charge that came to the account. And when you call them they have no answer. Another thing, I was going to vacation. I called them 3 days in advance. Give them the date and time I am leaving town. When I got to my destination they froze my account. It took two days of phone calls before I was able to use my card. Wouldn’t recommend them to anyone.
Made it my day start all bad. I went to deposit my money on Sat morning 09/23/2017. Was out there for 15 min. The teller seen me when depositing the money. Out of nowhere the ATM machine kept saying in process. 5min before opening I told them what going on. The teller just told me give it some time. When they open I told them what was going on instead of helping me they help 3 customers before me and I was the first person there. And on top of that made me late for work 40 min. But what upset the most was that they still wanted me to come back in one hour. Then she told I would have till Monday after my money card getting stuck there. They didn't bother to look into it. Because of that I didn't have no money because they had to do a claim and I wasn't able to get my car. But to collect the overdraft you guys are good but when come to helping you guys to take forever. I’m really disappointed with this bank. Smh.
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