I only know horror stories from Wells Fargo. My only experience was wanting to break a $100 bill. I went up to the teller and asked for change, and they could not break the bill for a non-customer. Mind blown. I just walked next door to the grocery and bought a $1 thing of gum.
My favorite terrible story was a founder I know. His company just got funded and he got is first paycheck in a while, and he deposited it his Wells account. Well, he had a second account that was requiring payment, so they drained his primary account to level out the other account without telling him. He found out when his wife called him saying she was unable to buy groceries. Oh, and this was Christmas.
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.
My favorite terrible story was a founder I know. His company just got funded and he got is first paycheck in a while, and he deposited it his Wells account. Well, he had a second account that was requiring payment, so they drained his primary account to level out the other account without telling him. He found out when his wife called him saying she was unable to buy groceries. Oh, and this was Christmas.