I had the same experience as you with Bank of America (come on, you're a bank. This degree of shitty service does not entice me into wanting to become a customer).
Even my credit union can be a pain in the ass. I had a check made out to my wife that needed to be deposited immediately. She signed it over to me and I took it to the CU. She wasn't on that account so they wouldn't deposit it without her being there. I went right outside and forced it through the ATM, which didn't make such stupid demands.
Your second story is a textbook example of why you should never open credit/loan accounts with a bank if you already have checking/savings there. You lose all leverage in negotiating debts, since they'll just take what they feel is owed when they get fed up with your delinquency. Wells Fargo did that to me, but I've seen that right reserved at more banks than just them.
Even my credit union can be a pain in the ass. I had a check made out to my wife that needed to be deposited immediately. She signed it over to me and I took it to the CU. She wasn't on that account so they wouldn't deposit it without her being there. I went right outside and forced it through the ATM, which didn't make such stupid demands.
Your second story is a textbook example of why you should never open credit/loan accounts with a bank if you already have checking/savings there. You lose all leverage in negotiating debts, since they'll just take what they feel is owed when they get fed up with your delinquency. Wells Fargo did that to me, but I've seen that right reserved at more banks than just them.