@Anonymous wrote:
Did BofA force this product switch on you, or did you decide to do it?
So whose fault is it for not researching adequately the ramifications of the product switch before it happened?
Had you not made the decision, you would not be in this situation.
I'm sorry, I don't see a victim here. Just an unfortunate mistake.
Yes, that's all it is, is a mistake. And like I said in my post earlier, I asked him about the new terms and any changes, losing benefits of the old card was not one of them.
Typically benefits are still valid regardless of whether or not an account is open or closed (and in this case it's technically still open anyway which is why I got frustrated).
Two, as I said before, there nothing to research, there nothing listed on the website, so I must rely on the word of CSRs who have all told me different things about the situation and still are unable to solve it. I even found my terms and conditions there's nothing listed in them about losing coverage for doing a product change or closing the account.
The thing I'm frustrated with is the inconsistency, and lack of knowledge, that's about it. Customer service is bad, instead of sticking with me to get an answer (and find out the true answer for themselves also), they'd rather give me a bunch of numbers and transfer me in loops.
THAT'S why I was upset. It's not about being the victim or not getting what I want. If they do proper research, find the answer if no, and can point out in my agreement validation for the answer, I'll be happy. I've done customer service, regardless if the final word is NO, a customer feels happier knowing resources were exhausted.
The reason I'm making a big deal of this is because it is going to help me determine how much I really want to invest building a relationship with BoA vs another bank instead. It might even help other people, as BoA has not been very great lately.
And last, I read about people wanting to do product changes almost everyday. My intention was to WARN THEM. Some of them decide they'll switch later, some do it right away after getting their card. Obviously the sooner the better if the circumstances in my case are what usually applies. Changes months, even a year later could make all that much of a difference if you expect to use the benefitss that come with your card.
