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MeetingOfTheMars t1_j4x8m7f wrote

Reply to comment by Former_Football_2182 in Customers report problems with Zelle transactions on their Bank of America accounts by iAmTheHYPE-

It’s not willful ignorance. If I have to go out of my way to look up past news articles or follow financial news in general to not be ignorant, and in contrast I’m being shown BoA ads on billboards, buses, mail ads, tv ads, etc without my interest or opting in, I’m not going to learn the truth - unless I look for it.

In this case, I’m passively ignorant. I’m not trying to bury my head in the sand, it’s just those telling the for and against stories about BoA are not equal in size nor scope.

Please stop blaming the victims, and expecting people to think the same way you do.

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Ghostofthe80s t1_j50357v wrote

They were the main st bank lightning rod in 2008. Protests over a proposed monthly fee to use a debit card and draconian overdraft fees were flash points. Throw in some mortgage fraud, awful customer service, terrible rates and constant sales pitches and you have BofA.

Their mobile app was way ahead of the game. That's about it.

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MeetingOfTheMars t1_j520c9a wrote

Thanks for these. It’s great to have more context. I wasn’t even aware of some of these. This is exactly how you win people over and get them away from BofA.

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[deleted] t1_j4xqg82 wrote

[deleted]

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MeetingOfTheMars t1_j4yh3ld wrote

In this hypothetical case, no decision was made to learn or not learn about the pros or cons of BoA. Since no decision was made either way, I would be ambivalent and ignorant, but not willfully ignorant.

If someone told me about how shitty BoA was and I made the decision to ignore them or tell them I didn’t want to hear it, that’s willful ignorance because I’m making a decision not to learn more and I want to remain ignorant on purpose.

Can we fucking stop with the semantics already?

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Former_Football_2182 t1_j4x8z5r wrote

Wow. I research before I put my money anywhere. Bank of America ripping off its own customers is kind of huge and old news. Sorry about you being you.

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ScreamingMemales t1_j4x9sh4 wrote

I've had money in BoA since 2009 and never had any problems. What is bad about them?

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asdaaaaaaaa t1_j4xcabe wrote

They got in trouble for breaking some rules. IIRC, they'd separate purchases so they could charge maximum amounts of overdraft fees for one, but could be wrong. I'm sure there's others though.

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Former_Football_2182 t1_j4xb7xt wrote

When they first introduced ATMs in supermarkets, BofA told its customers they had to pay if they did not use one marked BofA, then stripped all identification from their machines and charged their own customers to withdraw money.

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ScreamingMemales t1_j4xkamb wrote

While I think it is fucked for banks to charge to use atms, that isn't the craziest thing. They are providing a way for you to get money in a random spot instead of going to the bank.

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MeetingOfTheMars t1_j4xa3wm wrote

You seem swell. And exactly like someone I want to listen to and learn from. /s

I agree with you. BoA is shit and I won’t bank with them. But your victim blaming is not the way to convince people to move away.

But don’t listen to me. Keep assuming the worst in people that don’t think the same way you do. I wish you well.

More flies with honey, man.

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Rude-Illustrator-884 t1_j4xd3fd wrote

A good amount of people open their bank accounts when they’re teenagers, where their parents most likely told them “This is a good bank”. I don’t know anybody who was “smart” enough to research banks at 16-18 years old.

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Muzzlehatch t1_j4z2jzq wrote

Yes, I’ve had an account with them since my savings and loan failed in 1986. There was no internet or other practical way to research things like banks. Since then I’ve had no problems with them other than not really liking them. But it hasn’t been enough to overcome the inertia of being already there.

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