Reviews about Misc. Finance

mogu says "Worst customer service EVER!!!!" about TD Bank NA

mogu — Wed, 04 Nov 2009 17:52:51 GMT

This company does not believe in customer service.

I received a charge that I don't think I should have & called the number on the bill. The guy was in India & I couldn't even understand him. He wouldn't let me talk to a supervisor and told me I had to dispute the charge in writing. I sent a letter that day and they never responded. I did receive a copy of the terms in an envelope, but no letter or explanation.

The next month I received a charge for not paying the disputed amount. I wrote again and told them that I never received a response to the first letter, and again, no reponse, just a copy of the terms in an envelope.

I called about it and they claim a supervisor sent a letter both times, but all I ever got was an envelope with a copy of my terms, no letter or explanation. I asked to speak with the supervisor and was told that two supervisors responded and there was nothing they could do. I asked for a copy of the letters, but was denied and was not allowed...

...

AngiBowman says "If You Want to Trust Your Bank, Stay Away from US Bank " about US Bank

AngiBowman — Thu, 22 Oct 2009 15:29:33 GMT

There's only one word that can describe US Bank - greed.

Our experience with US Bank began in 2006, when we made the switch about our old bank, UMB, decided to have a computer malfunction for a few days when we couldn't touch our money. To make matters worse, their customer service lines weren't open 24/7. After this, we made the switch.

At first it was fine. You get free checks (initially) and a free debit card, fully customized of course. There are branches anywhere, meaning that when we made the move to our new neighborhood about 20 miles away from our first home, we easily found a branch. There was even a branch that was open on Sundays in a Price Chopper down the road.

Then we overdrafted. I understand that it was our fault - I'm not denying that. However, let's say I had $30 in my account, bought a new book for $35 and cashed a check all on the same day. Guess what? They would consider that $35 through and put a $38 overdraft fee on it, even though we had just cashed a check.

Okay,...

...

meghana says "Perfios is the best Personal Finance software" about www.perfios.com

meghana — Thu, 22 Oct 2009 12:24:48 GMT

<!-- /* Font Definitions */ @font-face {font-family:"Cambria Math"; panose-1:2 4 5 3 5 4 6 3 2 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:-1610611985 1107304683 0 0 159 0;} @font-face {font-family:Calibri; panose-1:2 15 5 2 2 2 4 3 2 4; mso-font-charset:0; mso-generic-font-family:swiss; mso-font-pitch:variable; mso-font-signature:-1610611985 1073750139 0 0 159 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-unhide:no; mso-style-qformat:yes; mso-style-parent:""; margin-top:0in; margin-right:0in; margin-bottom:10.0pt; margin-left:0in; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-fareast-font-family:Calibri; mso-bidi-font-family:"Times New Roman";} a:link, span.MsoHyperlink {mso-style-priority:99; color:blue; text-decoration:underline; text-underline:single;} a:visited, span.MsoHyperlinkFollowed {mso-style-noshow:yes;...

...

negoti8or says "This is the same bank and they will overcharge and harass you." about First National Bank / First Convenience Bank

negoti8or — Wed, 07 Oct 2009 21:57:20 GMT

First national bank/ First convenience bank/ Fort hood bank/ All the Same banking institution and All of them SUCK! Don't believe me do a search for the following # and then read the posts 1-866-850-9040

Let me start by stating that I've been banking for 23 years. I've had more trouble with this bank than any other bank I've been with in 23 years. Every payday I have to call them. It all started when I first opened my Acct. I cashed a check and deposited half of it. I was charged a fee of 34.95 for overdraft because they had failed to post it to my acct. I had to call and have them remove the charge which they did. Then I'm supposed to have a $200 overdraft, when I went over the amount available in my account by $86 they called me all day long from 1-866-850-9040, never left a message and continued to call all day for several days until I finally called the number back. When returning the call I sat on hold for 25 min not knowing who it was I called because the number doesn't tell you. This...

...

danschuk says "It's almost like they are actually trying to piss off customers." about Charter One Bank

danschuk — Sat, 03 Oct 2009 20:21:15 GMT

Charter One was a great bank years ago. They have been bought out by RBS and have become the worst bank ever. All of their fees are the highest in the industry. Policies have been changed to try to charge as many fees for everything under the sun that they can. Payroll checks are even on hold for 3-5 business days until they clear (so if you live pay check to pay check your in trouble). Everything is made to be as difficult as possible. Everyone that I have dealt with even at the call center are rude and obviously have not been tought how to talk to customers. This is a bank that is interested in bringing you in and squeezing as much money out of you as they can before you finally get mad and leave. I am switching to 5/3 and they are great so far. People are freindly, fees are fair, and policies are customer freindly. For example, If you are going to overdraft and need to cover something you can log online and do an advance ($10 per $100) to cover the account to prevent overdraft. When...

...

Soph says "Need Credit? Beware!" about Bank of America

Soph — Thu, 01 Oct 2009 17:37:37 GMT

Bank of America is a creditor that allows you to write checks on them to advance a line of credit. I found out the hard way that they tend to raise the interest rates on you as you use this service. It doesn't matter if you pay in a timely fashion or not.

At this point in time, as I have become unemployed and unable to meet all my financial obligations. Bank of America is reluctant to work out alternative payment options. Their payment options can only be effective for 6 months before they return to the regular rates and they expect you to catch up regardless of your financial situation.

I understand that they want their money and I would like to pay it in full, but until I become employed again that is next to impossible. Meanwhile they will keep racking up high interest rates and late fees on my account. Adding excessive fees onto an account where the user has informed them of a financial hardship doesn't get them the money any sooner. I regret my association with this company and as...

...

berninini says "Doesn't work with you to pay off your loans" about Sallie Mae Student Loans

berninini — Wed, 30 Sep 2009 20:57:48 GMT

I have all of my student loans through Sallie Mae. Although I feel that their service is acceptable, I have several thoughts about it. First of all, their website is exceedingly difficult to navigate. Headers are misleading and it is often difficult to get back to where you want to go. I do, however, enjoy that once I can find them, my loans are divided very visually and I can see exactly how much of my payments have been attributed to each. Secondly, I have had HUGE issues paying off extra on my loans. As an aggressive saver, I have calcuated how much I will save by paying my loans off significantly early. Each time I make an extra payment, I have to send an email to the company (which in itself is very very difficult to find and navigate) and then wait several weeks for the payment to be appropriately applied. Sometimes this never happens at all. It is very very frustrating. In addition, anytime that I have tried to call the company to verbally communicate an issue, I am greeted...

...

candysglassesrock says "They are THEIVES, you'll be sorry you ever banked with them!" about US Bank

candysglassesrock — Wed, 30 Sep 2009 17:21:01 GMT

US BANK closed our account after one day of a negative overdraft balance. I went in and talked with a banker to find out what happened and come to find out that they closed it because I have another account, that they messed up and had closed, that I am fighting to get cleared. So after talking to the banker and the branch Manager we had it reopened, paid the past due balance, and was told all would be ok as of Monday. Mind you I have my 6 mo old baby with me and its pouring raining outside, so this was a HUGE inconvenience to me!! And one that I do not wish upon anyone...and do you think they would offer to refund one of the over drafts or the fee they charged us to close the account....NO! So, the account is reopened and they said the cash money would take at least 24 hrs to post to the account because their systems take 24 hrs to update...fine...I'll just keep an eye on it. So I check on Monday.....nothing. I check on Tueday.....still not there.....My husband goes to use his debit......

AKMEDIA2 says "I may as well go to an online bank, the service would be better" about First Hawaiian Bank

AKMEDIA2 — Tue, 15 Sep 2009 02:26:28 GMT

I've had accounts with both rival banks in Hawaii, First Hawaiian Bank and Bank of Hawaii. First Hawaiian Bank has constantly throughout time decreased in their customer service especially when compared with Bank of Hawaii. In addition to being kept on telephone hold so long each time that I've had to hang up multiple occasions, service at their locations seems to be no better.

I've visited at least 5 locations on the island of O'ahu in Hawaii and on every occasion been disappointed. Tellers on multiple occasions tended to their drawers and writing as they needed to even while the customer standing in front of them waited for quite some time. In addition, though there were four tellers and 8 customer parties (I was 5th in line), it still took me over 10 minutes to wait. This is in contrast to the speed of Bank of Hawaii tellers and their fast, seemingly very efficient customer service.

I was actually so irritated today as one of the tellers walked to verify my account and then got stopped...

...

morningangel513 says "Chrysler Financial - Shady Business Practices - Be Wary!" about Chrysler Financial

morningangel513 — Wed, 09 Sep 2009 14:42:24 GMT

This is a warning to all consumers who may get an auto loan through Chrysler Financial. I bought a car in 2005 and was financed through them. Typically, there have not been any problems. Until now

I made my last car payment at the end of August. Chrysler Financial took it upon themselves to steal an extra car payment from my account. The payment I made was scheduled for 8/28. On 8/31, when I checked the bank to be sure it was paid, there were two charges from Chrysler Financial taken from my bank account.

I called Chrysler Financial on 8/31, and they told me they only had one payment showing in their records and it must be a bank error. I went to the bank and tried to fix the problem, but through their process it would have taken 2 weeks to get anything done. They suggested I try Chrysler Financial again. So I did, and this time they showed 2 payments in their records.

I informed them that I only authorized one payment and by them taking the second, my account was left with a negative balance....

...

pitcherday says "Who owns your gym membership? Probably these rip-off artists!" about ABC Financial - Health Club Billing Service

pitcherday — Fri, 04 Sep 2009 07:09:47 GMT

When I lived in Utah, I had a membership to Ladies' Workout Express. Of course, I signed a one-year contract. The contract was owned by a fitness servicing company in Layton, Utah (I apologize for not knowing the name). After a year and a half, I decided to discontinue membership. I faxed them a letter and the electronic funds transfer (EFT) was immediately stopped.

Some years later in Texas, I decided to join another Ladies' Workout Express. This time I signed a three-year contract. My husband was in the military, so there was a rider included in the contract. If I were to move to a new area and there was no Ladies' Workout Express within 25 miles of my location, I would be able to cancel before the three years were up and not incur the standard $50 cancellation fee. The contract I signed was from the same servicing company in Utah.

Two and a half years later I moved away, and there was no LWE near me. When I called Utah to cancel, I was told that they did not have a record of my membership....

...

JazzSinger says "Electric Orange is ahead of its time." about ING Direct Electric Orange Checking

JazzSinger — Fri, 28 Aug 2009 01:11:03 GMT

If you read my review of Chase Bank, you'll know that I was recently in the market for a new checking account. My new checking account is Electric Orange, from ING Direct. Electric Orange is a unique and revolutionary kind of checking account in that it is totally on line.

Advantages of Electric Orange:

You get a Master Card debit card with free access to over 35,000 ATM's nationwide. There is a tool on the ING web site that allows you to search for ATM's near an address. There were over 100 within a 20 mile radius of my home.
The account earns interest. As of the time of this review, the interest rate is 0.24% for balances up to $49,999.
You can send money to people directly, so long as you have their bank information.
Free bill pay.
If you have an ING savings account, which I do, you can transfer money instantaneously between that account and Electric Orange.
No ridiculous fees. Instead of paying for overdrafts, you have an overdraft line of credit, which you pay interest...

...

rolopez says "excellent information on bank rates" about Bankrate.com

rolopez — Tue, 18 Aug 2009 12:37:50 GMT

Bankrate.com does a very good job of living up to its name. That is it gives the interest rates on a wide variety of financial products including saving accounts, money market accounts, certificates of deposit, and credit cards at banks, credit unions, and mutual funds. Information is displayed in an easily accessed manner. Given the wide differences in interest rates between different financial organizations, the information furnished by bankrate.com is really quite valuable. In addition, this site offers excellent articles that offer valuble insights to consumers.

...

blueagle says "friendly home town bankers" about City Bank Texas

blueagle — Mon, 17 Aug 2009 12:17:53 GMT

City Bank Texas offers friendly home town style service. The people there are efficient yet treat you in a personable manner. The bank generally offers a variety of needed services to individuals and businesses. They also offer above average interest rates on savings. Advantages of this bank include free debit cards, online banking, free bill pay, and the opportunity to save on automatic teller machine charges. Different accounts are available to suit your needs. They also have a fair number of local branches throughout Texas.

...

DivaDivine says "Should be NEGATIVE 500!!!!" about Wells Fargo Auto Finance

DivaDivine — Fri, 14 Aug 2009 21:45:37 GMT

I agree with the other reviewers about everything that has been said about this company. Wells Fargo Auto Finance represents incompetence at its finest!!! I find that Wells Fargo has the absolute worst customer service department of any company that I have ever dealt with. The customer service representatives have the worst attitudes, even when they are absolutely wrong about the information that they have given to you. There has been maybe one or two occasions in which I have spoken to someone who seems to have an idea of what they are doing.

Recently I tried to log-in to my online account to make a monthly payment, but kept receiving messages stating that my username and/or password were incorrect. I knew that this was not the case since I had been accessing my account with the same login information for months and have even taken the liberty of writing both my username and password down. I contacted customer service using the number provided and told them of my problem. ...

...

mch710 says "What ATM fees?" about Fidelity mySmart Cash Account

mch710 — Tue, 11 Aug 2009 19:28:31 GMT

Bricks and moter banking is for suckers. I anger my friends when I say this, but it's true. Having been an online banker since 1999, I've never looked back.

I started using Fidelity mySmart Cash account in 2006 or 2007. Already an investor with Fidelity, I wanted to check out the new product.

The verdict: One of the best online banks I've ever used.

Now why online banking? Here are just a few reasons:

Mobility - you can move across the country and not have to worry about opening a new account
Rebated ATM fees - The line at the BofA ATM too long, move on to the next bank. Regardless of the rediculous ATM fees the machine slaps you with, you get the money back within a day.

Other great things about Fidelity mySmart Cash. Earns interests and has no minimum balance. While the interest isn't great compared to many savings accounts, it's still something and better than most checking accounts. Bank to bank transfers are quick, taking just a day to move to another account...

...

lightonmyfeet says "Flexible, Motivating, Easy with a Good Return" about ING Direct Savings Account and CD's

lightonmyfeet — Wed, 05 Aug 2009 15:17:35 GMT

ING Direct provides the common person a flexible savings environment. For as little as a $1 you can begin building your wealth. This eliminates the nay-sayers "I don't have enough money to save".

How can you beat the ZERO FEE's. Every bank I have ever walked into - i.e. brick and mortar, has placed a fee on something. Knowing my money will stay my money is a huge perk.

The greatest motivator, that is ONLY provided at ING Direct is their Interest Ticker. At any moment of any day you can see your money growing. Talk about motivation. It just makes you want to save more.

Interest rates have dropped, due to the economical world we live in, but ING Direct at 1.4% is still miles ahead of the .15% at my local bank and worth the time and energy to utilize them in my wealth building plan.

Speaking about wealth building, with their no-minimums carrying over into CD's, they are the best place to build your 6 month emergency fund. Great rates and low minimums, why do we even...

...

pitcherday says "Completely satisfied with my SallieMae experience" about Sallie Mae Student Loans

pitcherday — Tue, 04 Aug 2009 08:21:48 GMT

I have been with SallieMae for longer than I care to admit. I probably should have paid my loans off a while ago, but that is MY fault and not the loan servicing company's. I originally took out my student loans at a local bank, and they were bought by SallieMae. I have not been bounced around and had my loans bought and sold by various companies, and I consider myself lucky in that respect. I have heard more than one horror story from other students about that.

When I graduated from college, I had the full payment (principle and interest)automatically debited from my bank account. It was that way for years. I fell on hard times, overcame them, and now I am unable to work. I have not had steady work since 2002. Some may think it is a bad thing that SallieMae offers deferments, forbearances, and extended payment plans, effectively "trapping" you in "loan limbo." SallieMae does not refuse payments over the minimum. You don't ONLY have to pay the minimum.

I am happy for all of these options....

...

Bryan-Carey says "Sallie Mae: Easy Loan Approval, but Questionable in Other Areas" about Sallie Mae Student Loans

Bryan-Carey — Mon, 03 Aug 2009 18:12:17 GMT

One thing about college is true more than any other: College costs a good deal of money and the majority of students are constantly in need of extra cash. More often than not, loans are part of the financial aid equation and among all the loan providers, one service stands out in the crowd. That service is Sallie Mae Servicing, the popular education loan company.

Student Loan Service Commentary:

Sallie Mae is the best- known name in student loans and it is the first place many students turn when they need to borrow money to complete their schooling. Sallie Mae actually began operation as a government- run company, but today it is completely independent with no remaining government ties and is now a publicly traded stock.

Sallie Mae is first and foremost a student loan operation and I became very familiar with this company when I was a struggling university student trying to cover my student balance each semester so that I wouldn't get dropped from classes. Back when I was a Sallie...

...

brandenlasvegas says "Good to me" about US Bank

brandenlasvegas — Wed, 29 Jul 2009 07:42:08 GMT

They have been good to me. I have had a US Bank savings account for 10 years and a checking and credit card for about 5 years. I have accidently over drafted my account a couple times and they have always been good about reversing the fees.

When my credit card number was stolen, they were quick to refund the amount, and to send me a new card.

The only negative thing I can say is that they always deny my auto loan requests, eventhough they were quick to give me a credit card with a larger limit.

...