Bank of America

The worst loan service EVER.
Unethical liars working in the branch.
Ray Zargham promised me a rate under 4% if I could show a credit score over 700 and he never delivered.
I came into the branch and was greeted by a gentlemen in a cheap suit acting too busy to spend time with me… then counseling me on how to buy a home.
I stayed quiet and listened to this arrogant you know what (not letting him know that I have bought and sold 5 homes and made my fortune early in life) he then told me how to handle my finances and that he would get me a rate under 4% if I was to show a credit score of 700 or higher.
2 weeks later, I found a home and he provided a pre approval letter showing 4.25%. He told me not to worried… so I trusted him… I had a 734 average credit score.
But what this guy did next what in excusable.
He lead me into thinking he was working on a lower rate and then when he knew I was out of time and couldn’t find another bank to meet the closing date, he took the position of tough luck. I have numerous unanswered email requests to this guy.
Wait… It gets worse. I then negotiate a credit with the seller and asked Ray how we should write it up.
He arrogantly told me and my realtor how it should be written. The way Ray stated didn’t make sense to the realtor and I do we questioned him. He took offense and told us how he has been in the business for umpteen years and he is confident in his statement.
The paperwork was then signed by everyone.
A few days later, Ray gets off his blup and decides to do his job and check on the statement he made.
I get a call from Ray stating that FMFM changed guidelines and we cannot get cash back at closing. Duh!!! What a BS story. Freddy Mac didn’t just put this guideline in place!!! This was rectified into 2005. Where has this guy been?
If I didn’t ride this guy like Sea Biscuit, I would have missed the close date.
Stay away from this B of A location!

Pathetic service! One if the biggest lending institutions in the world, yet they can’t service their little clients properly! 13 windows, 2 agents!!! Sad!

I’m not a big fan of Big Bank! Although they have branches and ATMs strewn across the US, these guys still don’t get my vote. However, since this is where the money goes, this is where I must follow.
For basic banking business, I can’t complain. However, special circumstances and bureaucracy don’t mix! How many trillion dollars did theses guys get when the housing market plummeted? Although they have helped thousands of homeowners out of foreclosure, how many thousands of others have lost their homes? I don’t think any B of A big wigs lost their homes during the federal bail out process. in fact, I think I recall hearing about them getting bonuses!
This may be a rant going no where, but I would truly like to see the bailout going to hard working individuals who just need a break!

I needed to make a transfer of funds from one account to another and this branch was on my route home, so I stopped in. No one else was in line and as far as I could tell there were no other customers inside the bank. The man who «assisted» me acted confused about why I would want to make a transfer from my account to someone else’s account. (Bank of America to Bank of America) I had all the paperwork, atm card as well as account numbers prepared in advance. This guy was simply incompetent. I told him that I have been doing this same transaction for almost two years and generally at the Encinitas branch where they didn’t seem to be in any way disturbed or confused. He said he would have to double check my account in order to access the other person’s account. I told him he should do what he needs to do. He still acted confused. Finally his confusion started to worry me. I took my paperwork away from him, drove to Encinitas and had the entire matter settled within a minute of walking into the bank. Now I understand why there were no other customers inside this branch.

it would be unfair to say i’ve never had a positive BANK OF AMERICA experience. i was in ISLA VISTA the night that branch was looted and burned. the record store down the street had these enormous speakers on their roof blasting STREET FIGHTING MAN (ROLLING STONES) loud enough to drown out a jet engine. two trips to the branch on LA COSTA ave this week were enough to get me all teary-​eyed and nostalgic for a night a BofA was put to the torch.
my mom, who’s getting on in years, needed some banking help. i took wednesday off so we could spend the day together and i could sort out her accounts. for the most part things went relatively smoothly (at four other banks and a credit union) until we got to BofA. after waiting forty-​five minutes in the lobby for one of the three people at desks to look up and make eye contact, she decided she was getting hungry and that we would have to come back.
so, i took friday off so we could spend the day together and i could sort out her accounts — again. we were «helped» by SARA CORTES. in a brief aside, if you don’t have any (as in zip, zero, nada, the big goose egg) people and problem-​solving skills, perhaps you should consider the possibility that customer service really isn’t your calling …
my mom had a CD that was originally with MBNA before MBNA was acquired by BofA. last september, she tried to roll her funds out of the CD when it matured and into a money market. BofA couldn’t find her account (and mom went into the branch with her current BofA statement in hand). by the time the local branch found her account, the money had automatically rolled over into another CD (at .60%) for another eleven months. at the time they ignored our protests and were less than helpful in resolving the situation.
trying to get a jump start (the current CD matures in early august), we went into the branch to pre-​close the account. BofA still couldn’t find her account (again, current BofA statement in hand) and was told that we had to come in on the day the CD matures — what ??? then we were told that we’d have to bring in a copy of the trust because «trusts can change» WTF ???
i was flabbergasted. the only way a TRUST B can «change» (that would be amended) is if the deceased trustee came back from the dead. do they get a lot of zombies strolling thru the front door at BofA ??? i really couldn’t say but am pretty sure they got a couple working there …
i guess when your pockets are stuffed with a couple trillion dollars in tax payer’s bailout money, you really don’t have to worry about core deposits. i’ll take a little consolation knowing that BofA can only abuse my mom for another sixty-​two days.

This review is for the Bank of America in downtown Carlsbad, not the one on Camino Real…
Here’s the thing. It always smells like I am walking into someones arm pit, and someone who has just finished a 5K and decided to borrow their friends sweater who just ran a 5K…
Friendly service tho. They have a greeter when you walk in, which is nice and neighborly.
Has anybody else out there noticed this pheremone phenom?