Description: The article contains the idea with the topic on bank of america employee. The author is a former employee at Bank of America in Kennesaw Georgia. She shows us three things to do every day when working there. She also tells us the reasons why she is fired by Bank Of America.
My name is Jacqui Ramos and I would like to tell everyone his story, I am a former employee at Bank of America in Kennesaw Georgia at 210 town park drive, I worked in the customer assistant Department from May 1st 2009 until November 23rd 2009.
Customer assistance is an euphemism for the collections department, every day I came to work and did as I was supposed to, I collected, in fact, I was one of the top performers in my department even out doing those who were more tenured than I was.
But something was wrong, there was something inherently evil about my job, I’m not sure whether Bank of America knows this, but we are in a recession and most of us we are hurting day in and day out, I was told to charge people who already fell behind in their credit-card bills an additional 15 dollars to make a payment with me.
As I was told by Tiffany Gatlin, my manager, it was a convenience fee, I was told to deny refunding as many late, the limit fees, as I cut, there was even one month, I was given a verbal warning about the amount of fees that I refunded.
Because as I was told so many times, Bank of America is a corporation and they are for-profit, there is something we have in my department called a fixed path, essentially it is a program, it turned your balance into an installment loan and it stops all fees on the account.
It also closes your account in order to get a fixed pay though you have to qualify by answering a rather relevant set of questions like how much you spend on groceries and how much your cell phone bill is day in and day out.
I had to deny countless people, because countless people needed the program, but they didn’t qualify so often, I would have to give them this feel about it, I can’t accept your program, because your disposable income is too negative and then they sit there on the phone and say if I could afford to pay my bill, why would I need a program?
I will never forget one cardholder, I remember her name, her location, her story, 24-year- old woman with the child found out she had cancer, she lost her mother and her husband in the same year, she had a very limited income, she had to quit her job, but she still respected Bank of America enough to try to pay off her $6,000 dead.
But she needed help, she sought on the phone telling me she couldn’t afford to 30% interest that we had her, I’m sorry, twenty nine point nine nine percent interest that we had her account at, she couldn’t afford the $39 late fee, the $39 over the limit being, she told me that we were her first credit card.
When she turned 18, we were her only credit card and then she was a loyal customer and given the time, to be honest, she would have always remained a loyal customer, I couldn’t put her on a program, she didn’t have enough income according to Bank of America.
She doesn’t have enough income to be put on a program, but she does have enough, I’m sorry, but she can do that, however, keep paying the high interest rates on the account and fees, because at the end of the day, it is her account she did rack up the debt and she was late, so she did deserve that twenty nine point nine nine percent interest rate that she had.
It wasn’t up the Bank of America to help her figure out how to get this debt paid off, it was up to her, there’s a joke in my department upstairs, they sell you the credit downstairs, we collect on it too often.
I heard stories of House senior citizens and college students were specifically targeted, so Bank of America could continue to make money off them, I had one elderly lady who was legally blind, every month she sent them the incorrect amount, because she couldn’t see her three percent APR actor, I think about three times with being late went to twenty nine point nine nine percent.
She told me that one of the associates told her she needed to look at her statements more clearly after all that had better to target them young and the old woman does not have an eye for a second that there are systematic practices put in place to keep America in debt.
Bill Raible, I love this man, I mean he is any corporation that hires him, I mean you’ve hired a good person, I’m not doing this video, because I’m bitter, I’m not doing this video, because I hate him.
In fact, as my boss, I still have a lot or as my old boss, I still have a lot of respect for him out of all the interviews I had in my life, I will never forget the one I had with him, he told me there was an interesting interview question who’s ever been axed is what keeps you up at night.
Before I got the job, that question didn’t makes sense to me who acts that in an interview, I’ve been in that department for a while, it makes sense, it does seem normal.
All the people that I’ve had to deny programs to, they kept me up at night, all the people that I’ve pissed off with the $15.00 convenience fee, they kept me up at night, all the people who were dying lost a child, husband, mother, father, all the people who lost their jobs and set on the phone sobbing to me that if we give them a little bit of help, they can make their ends meet, it kept me up at night.
All the angry card holders who told me the reason why Bank of America is the corporation that it is also the hard work of of them and their tax dollars, they kept me up at night.
So I stopped the nine people, I hope you put it on programs that didn’t necessarily qualify, but definitely needed the help, every day I was told three things do the right thing for the customer, think of yourself as a customer and do the right thing for the company.
I figured if I played smart card holders on programs at affordable rates, then maybe they can afford their light bill or even enjoy a chip with their child to the movies, if the account was affordable for the cardholder, they wouldn’t charge off, that seems as simple as one in one being.
But my company didn’t think so, at the end of the day, I would love to have a company who thought of me as more than simply a dollar bill, I would love to have a company think or being more humanitarian and think of me as a person instead of a prophet.
But the three things that I was told to think about every day, my interactions with card holders, it didn’t matter, in fact, only one of them did do what is right for the company. Bank of America is for profit, they would rather charge 30% interest any day, then give hardworking Americans like me and you a lower interest rate and work with us instead of against us.
So bill rebel fired me, he told me I can’t communicate with people on programs who don’t deserve it during our meeting, he asked me if what I did was right, I looked at him dead in the eye and I said absolutely I know he was expecting me to apologize.
But there’s no apology, there’s no way, I could look at myself in the mirror every day and justify not helping someone when I have the power to do it, give an opportunity to do it again.
I wouldn’t change things, he looked at me, he told me he understood why I did, what I did, he said I had a big heart, but at the end of the day,it was policy and he had to let me go, he told me my manager would escort me to the security desk.
Then all my stuff would be there and he was right, all my stuff was there in two boxes, all my Wars, all the pictures of my son, even a plate of food that I had on my desk fabiola Clark packed all my belongings, including the pill, a tofu, threw it in the Box, all the food got all over, all my shoes and the boards, even the picture of my son.
After all, Bank of America, they’re the corporation, they’re not concerned with their employees well-being or clearly even their car holders, there’s a saying in my department that you are as good as your last payment.
No truer words could have been spoken, I’m not necessarily sad about losing my job, I felt like I took a stand and I did what was morally correct, I have a wonderful support system, I have a college degree.
I’m sure I’ll land back on my feet, in fact, my manager told me as she was escorting me outside, in fact, as my manager, it was escorting me outside, she told me if I needed a reference, she would highly recommend me to everybody.
I received nothing, but accolades balls at Bank of America and even while I was getting fired, my boss told me that out of anyone she’s ever met, I’ve had the highest worlds and the biggest heart, she’s ever seen and that means more to me than my job.
At the end of the day, I don’t have anything keeping me up at night, I did the right thing and in God’s eyes, I’m sure that he’ll bless me, but Bill Rabil, can you say the same?