Feb 06
Online Bank Of America Chat
I deposited a check yesterday at my bank and I noticed online today that it wasn’t listed under pending transactoins as newly deposited checks usually are. Concerned, I started up an online support chat to inquire. The following conversation ensued:
Reed Kabel: Hello! Thank you for being a valued Bank of America customer! My name is Reed. I will be delighted to assist you with your personal accounts today.
Reed Kabel: May I please have your complete name as it appears on your statement?
You: Steven Jacobs
Reed Kabel: Steven, a warm welcome to you. How may I help you today?
You: Hi, I deposited a check for $4,000 yesterday and I don’t see it under either available or pending transactions, is everything ok?
Reed Kabel: Steven, I will be glad to check that for you. Let me have a look into your account.
Reed Kabel: Steven, to check that, could you please provide me the last four digit of the account you are referring to?
You: XXXX
Reed Kabel: Thank you for the information.
Reed Kabel: Steven, sometimes, it takes up to three business days to clear the check.
You: wouldn’t i still see it under pending transactions?
Reed Kabel: Once it will be posted then you will be able to see.
You: ok, I guess I’ll check back if I don’t see it in a few days then, I thought checks always go in pending transactions
Reed Kabel: However, if you need to know the status immediately then I suggest you to visit the same banking center.
You: ok thank you
Reed Kabel: You are absolutely right!
You: wait
You: if i’m right then why don’t i see it?
Reed Kabel: It shows under the pending transaction however when it gets posted.
You: ok
Reed Kabel: Let it be posted.
You: thanks
Reed Kabel: Pleasure is all mine to assist you today.
Reed Kabel: Is there anything else I can assist you with today?
You: no, thank you
Reed Kabel: Pleasure is all mine to assist you today.
Reed Kabel: [Pleasure is all mine, as it is always nice to serve a great customer like you.
Reed Kabel: Do take care of yourself!! God bless you!!
Reed Kabel: Have a wonderful time ahead!!
Reed Kabel: We appreciate your business and thank you for choosing Bank of America and our Text Chat service. I hope you have a wonderful time ahead!
Now the main thing I noticed, as you may have also is how ridiculously chipper the associate was. I wonder if they teach them to talk this way or if the individuals just do it to amuse themselves. I would much prefer they talk like a real person as it’s hard to believe anything they say when the talk like a robot on an extra strength dose of Prozac. I feel like online chat support in all industries is sort of like this, always over-gracious and under-helpful.
February 6th, 2009 at 8:31 pm
Reed Kabel: Pleasure is all mine to assist you today.
Reed Kabel: [Pleasure is all mine, as it is always nice to serve a great customer like you.
Reed Kabel: Do take care of yourself!! God bless you!!
Reed Kabel: Have a wonderful time ahead!!
Reed Kabel: We appreciate your business and thank you for choosing Bank of America and our Text Chat service. I hope you have a wonderful time ahead!
rofllll
February 6th, 2009 at 11:19 pm
seems standard. they always take a while between chats. like they are talking to 10 people at the same time. it’s sort of annoying. comcast customer chat is the same way. i’d rather just talk to them on the phone even though that’s also terrible.
February 8th, 2009 at 4:46 pm
I surprised anyone would be able to say God bless you in a support chat. I would think anything religious would be verbotten.
February 8th, 2009 at 4:50 pm
Just to add to the bad chat experience, once I was at work and inquired with my cable company as to the monthly cost of an extra digital tv box, he wanted a security code that was on my bill, that was at home so I didn’t have it. He wouldn’t tell me the cost, like I was some rogue impostor, even thought it was just a pricing question.
February 11th, 2009 at 2:55 pm
the last part of the post made me fall out of my chair. epic
February 15th, 2009 at 8:13 pm
It’s a computer chat.
February 16th, 2009 at 5:31 pm
Steven, it was a pleasure reading your blog today. God be with you and have a fantastic blogging experience next time you blog. Thank you again, the pleasure was mine in reading your blog! It was a tremendous blog, as always. Thank you for the opportunity to read this blog of all blogs, what a pleasure!
All seriousness, I think they are automated responses. In saying that, it is still WAYYYYYYYYY overboard!
Take care, hope the check cleared!
BAT
February 17th, 2009 at 10:55 pm
papa demands another blog entry
February 26th, 2009 at 5:30 pm
i don’t think it was automated
but. reed is such a freak
must he repeat his goodbye a million times?
April 5th, 2009 at 1:48 am
hey its not a automated response………..they are all real persons……but thy hav got certain stardart wordings to be used compulsory……they must not chat in the usual manner which causes them to lose the job……..and he hav to be always thank the customer……if not they wil hav much problem wit their supervisor……..they are chattng with many customers at a time….so it is vry difficult them…..
April 17th, 2009 at 4:54 pm
“Reed Kabel: It shows under the pending transaction however when it gets posted.”
That’s completely bogus. Sounds like BOA is intentionally holding off from posting deposits to increase the float. Posting is an automated process. How can it take three days? It should be posted upon receipt. And agree with your point that this almost sounds like automated nonsense (scripted replies) with a real human interspersing just a few sentences. Here is a link to a place to log complaints about BOA:
http://www.medlawplus.com/classaction/bankofamericacomplaints.tpl
May 21st, 2009 at 2:00 pm
too funny. i want to start up a chat with BoA associate online just to see if get Reed. maybe i’ll talk to him like he talked to you and see how he reacts.
November 25th, 2009 at 2:51 am
Hey, I worked for Bank of America for an year…
I had to handle such stupid customers like you who would nt understand
how an asscociate over the chat would feel, he is human for go sakes…
and bank’am imposes such strict rules on us we are not allowed to use any w
other words other than what they have set for us… and we have to handle 3 chats at once …
just imagine how tough it would be…
November 25th, 2009 at 2:53 am
by the way i am out of that process…am an software proffesional…
i had to do that job coz of the recession no other go! I am glad i dont have to assist
fools like you all!
December 1st, 2009 at 8:26 am
Chat InformationWelcome to an online chat session at Bank of America. Please hold while we connect you to the next available Bank of America Online Banking Specialist. Your chat may be monitored and recorded for quality purposes. Your current wait time is approximately 0 minutes. Thank you for your patience.
Chat InformationThank you for choosing Bank of America. You are now being connected to a Bank of America Online Banking Specialist.
Nadia Jacinto: Hello! Thank you for being a valued Bank of America customer! My name is Nadia. I will be delighted to assist you with your personal accounts today.
Nadia Jacinto: May I have have your complete name as it appears on the statements?
You: don ross jones
Nadia Jacinto: Hi, Don!
Nadia Jacinto: Good Morning!
Nadia Jacinto: How are you doing today?
You: i want to stop an transaction
You: its tru paypal
Nadia Jacinto: I certainly understand your concern regarding the stop payment.
Nadia Jacinto: I will definitely check that for you.
Nadia Jacinto: Could you please confirm me the last four digits of your account number?
You: 2103
Nadia Jacinto: Thank you.
Nadia Jacinto: Could you please confirm me the date and amount of transaction?
You: was that correct
You: xxxx
You: hello
Nadia Jacinto: Yes.
Nadia Jacinto: I am here.
Nadia Jacinto: I was checking that.
Nadia Jacinto: Please allow me some time while I access your account information.
Nadia Jacinto: Could you please confirm me the date and amount of transaction?
You: dec 1 2009 at 3.33am
Nadia Jacinto: Let me quickly check that for you.
Nadia Jacinto: Is it in amount of $6.00?
You: yes
Nadia Jacinto: Please confirm if you do not authorize this transaction.
You: i said i wanted to stop
You: is that enuff confirming
Nadia Jacinto: Don, as the transactions in pending status, we can not cancel the pending transactions. It is against the bank policies.
Nadia Jacinto: If you do not authorize the transaction, in such a case I would suggest you to dispute the transaction immediately once it get posted to your account.
Nadia Jacinto: Please be informed that we have a separate dedicated Dispute department, who takes care of such concerns
Nadia Jacinto: They will investigate about the merchant and will take care of everything on your behalf.
Nadia Jacinto: Please be assured that you will not be liable to pay any unauthorized transaction on your account.
You: wtf
You: you should told me in the beggining
You: you know how much we wasted
You: time we wasted
Nadia Jacinto: Don, I absolutely understand how important it is for you.
Nadia Jacinto: I regret for all the inconvenience you have experienced due to this.
Nadia Jacinto: Is there anything else I may assist you with?
You: you should regret wasting my time
You: to
Chat InformationPlease wait while I transfer the chat to the best suited Bank of America Specialist.
Chat InformationYou are now chatting with ‘Nadia Jacinto’. How can I help you today?
Nadia Jacinto: I sincerely apologize for the inconvenience caused to you.
Nadia Jacinto: I understand your time is valuable.
You: yeah right
You: you should told me in the beggining
You: think before you wright
Nadia Jacinto: I apologize for that.
Last text message receivedNadia Jacinto: Is there any other information I can provide you today?
You: gergdfgdfshsrthrtshsrthdgjkdfgjihdfgidfgiodfugpiodfugiodfugoidfugopdfiugdfopigudfopigudfopig
i wanted to whoop her azz lol nadia alot more stupid not the costumers
December 2nd, 2009 at 7:04 am
irrated customer again so sad!!!!!!!!!! :) ha ha ha ha :))
its quite common to see in a chat the customers using “wtf” its as if the first word
the first their mother thought them was f***…. pathetic stupid people!
December 12th, 2009 at 2:45 am
Great discussion is going on this blog for Online bank of America chat, i’d like to join with you guys and gain knowledge from it.
Keep it up…Thanks.