When it comes to companies we dread dealing with, we all know who they are. Let’s put it this way, would you rather go to the Apple Genius Bar to fix something with your iPhone or to the Bank of America teller to reverse a surprise interest charge?

It’s perhaps no wonder Bank of America leads the nation in bad customer service. The massive U.S. financial institution has made the Customer Service Hall of Shame every year since 2009.

Click here to see the customer service hall of shame

Click here to see the customer service hall of fame

In collaboration with research survey group Zogby Analytics, we polled 2,500 adults about the quality of customer service at 150 of America’s best-known companies in 15 industries, asking if that service was “excellent,” “good,” “fair” or “poor.”

Those with the highest percentages of “excellent” rankings make up the Customer Service Hall of Fame; those with the highest share “poor” ratings make up our Customer Service Hall of Shame. (See how the survey was done and full results on the last page of this article.)

Many of the other companies with the bottom-rated customer service have earned spots on the Hall of Shame list in the past. Eight of the 10 companies in the Hall of Shame have made at least three previous appearances since 2009.

It is difficult for businesses in some industries to win consumer praise. Bank of America, Wells Fargo and Citigroup — three of the largest banks in the country — received some of the worst customer service ratings in the nation.

For banks, the many fees they charge may contribute to a customer’s poor evaluation of a company. “As soon as you take out your Bank of America ATM card you get charged,” said Praveen Kopalle, professor of marketing at the Tuck School of Business at Dartmouth College.

In addition to unpleasant and repeated charges and fees, these large banks engaged in questionable and often unlawful behavior that contributed to the housing crisis. For example, “[Banks] assured customers that [mortgage-backed securities] were actually good products when, in fact, they were pretty toxic,” Kopalle said.

Cable and satellite TV companies are another segment that has repeatedly received poor customer service ratings. Shep Hyken, a customer satisfaction expert, explained that these companies are often unclear about their service charges. “Customers get shocked when they get their bill,” Hyken said.

In some instances, companies have little incentive to offer good service. “If people really don’t like the customer service that they receive from telecom companies, they don’t have a lot of choice,” Tim Calkins, clinical professor of marketing at the Kellogg School of Management at Northwestern University, explained. Without competition from other companies, “there is just not that pressure to deliver great service.”

Future consolidation in these industries may exacerbate the problem. Companies like AT&T and DirecTV, as well as Time Warner Cable and Comcast, are driving merger and acquisition activity that will likely close this year, pending government approval.

Many of the companies with the worst customer service, however, are still market leaders and manage to maintain impressive profit margins. Seven of the 10 companies in the Hall of Shame dominate their industries.

This is 24/7 Wall St.’s Customer Service Hall of Shame

10. Citigroup
> Pct. ratings “poor”: 15.3% (credit card), 15.1% (banking)

More than 15% of respondents said they had a “poor” experience with both Citigroup Inc.’s (NYSE: C) credit card and banking businesses.

However, Citigroup is hardly alone among financial institutions in receiving low ratings for its customer service. Both Bank of America and Wells Fargo had worse-rated banking operations. While missing from the bottom 10, Capital One and J.P. Morgan Chase also received low ratings.

The banking industry as a whole suffers from bad press, likely due to its involvement in the financial crisis. According to analyst Dick Bove, penalties, regulations and rule changes have made quality customer service even more difficult to deliver.

“The banks responded by taking away millions of credit cards from customers that they could no longer do business with on a profitable basis,” Bove said.

While customers gave Citi’s credit card and banking service low grades, the bank performed well overall in the Pew Charitable Trusts’ most recent annual survey on consumer banking practices. Citi’s policies include five of the seven “best practices” endorsed by the study.

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9. Wells Fargo
> Pct. ratings “poor”: 16.2% (credit card), 15.0% (banking)

More than 16% of survey participants said their experience with Wells Fargo’s credit card business was “poor.” Wells Fargo’s banking operations did not fare much better for customer service. About 15% reported a “poor” customer service experience for Well Fargo as a bank.

The company declined an interview. In written statement, it said that it was committed to improving customer experience, and that it was “always looking for ways to apply their input and further strengthen our customer service.”

Although Wells Fargo & Co. (NYSE: WFC) has largely avoided the financial crisis-related fines several of its competitors paid, it has not been immune to scrutiny. The bank, which is the largest provider of home loans, was sued by the Federal Housing Authority in 2012 for bad mortgages. Like other banks, continuous criticism since the financial crisis is likely a major component of Wells Fargo’s customer dissatisfaction.

According to Bove, bad press is only part of the problem. Strict regulations and large fines can have a considerable impact on customer relations as banks are forced to implement cost-cutting measures that may inconvenience consumers.

8. AT&T
> Pct. ratings “poor”: 17.5%

AT&T Inc. (NYSE: T) is hardly the only mobile telephone company that received a disproportionate number of negative reviews for its customer service. In fact, all four of the nation’s leading mobile carriers were among the bottom fifth of companies evaluated.

Although the company’s record of customer service is spotty, AT&T has developed several initiatives designed to improve customer outreach. Among these, the company wrote in its annual report that it had 70 staffers dedicated to customer care on social media platforms. Additionally, last year AT&T streamlined its call center menus, cut waiting times, and trained specialized employees to handle smartphone operating system-related questions.

“Three or four years ago, the customer service at AT&T was very poor, but they really have come a long way,” Kopalle said. Now, “They pick up the phone pretty fast, they resolve your situation very quickly.” However, Kopalle noted that AT&T’s service is hardly perfect. “I think they still suffer from a number of dropped calls. That’s not really a good thing.”

7. AOL
> Pct. ratings “poor”: 18.1%

In the years following its spinoff from Time Warner, AOL Inc. (NYSE: AOL) has repositioned itself as a content provider. AOL owns a number of notable media entities, including TechCrunch, Engadget and The Huffington Post, some of the most frequently visited sites on the Internet. AOL also hosts its own homepage, which is still among the Internet’s largest portals.

While AOL no longer brings to mind free CDs and promotions, the company still derives a major portion of its business from subscribers. In the first quarter, $150 million of its $583 million in revenues came from subscriber payments. The segment also accounted for the bulk of the company’s operating profits.

AOL’s membership and account business has been criticized in the past for the difficulty customers had in cancelling their accounts. Some consumers were also annoyed by the number of unsolicited free AOL install disks they had received in the mail.

ALSO READ: America’s Worst Companies to Work for

6. Time Warner Cable
> Pct. ratings “poor”: 19.9%

Nearly 20% of survey respondents said they had a “poor” customer service experience with Time Warner Cable.

In December 2013, the Federal Trade Commission fined Time Warner Cable $1.9 million for charging higher rates to customers with poor credit histories without notifying them. Charging customers more for a service without their knowledge is likely not a good way to inspire strong customer service ratings.

Time Warner Cable lost more than 800,000 video users, or nearly 7% of its total, between the end of 2012 and the end of 2013. This is part of a larger “cord cutting” trend that has cost Time Warner Cable and its rivals millions of video customers in recent years, as streaming services such as Netflix have gained in popularity.

In a written response, the company said it had “introduced one-hour appointment windows and expanded weekend and evening appointment options in a growing number of Time Warner Cable service areas” to offer better customer service.

Time Warner Cable and Comcast are pursuing a merger. The deal is currently being evaluated by regulators, who are focused on the impact the deal will have on consumers and customer service.

5. DirecTV
> Pct. ratings “poor”: 20.3%

More than one in five survey respondents reported a “poor” experience with DirecTV. Regulators, too, have been critical of the company’s relationship with customers in the past. DirecTV has been fined for violating customer agreements on multiple occasions over the past decade.

DirecTV is now awaiting government approval for its merger with AT&T, another company with a poor customer service rating. Whether the merger will serve the public interest and improve the DirecTV customer experience remains to be seen. At the very least, the companies plan to bring broadband service to millions of rural Americans previously outside the range of service.

DirecTV claims its customer service is better than most companies in the industry. But the company is one of four cable or satellite TV companies on the Hall of Shame this year. Ensuring the quality of the product may be easier than ensuring quality customer service. As Hyken explained, while these companies offer a highly sought-after service, “you have to be home for four hours and take a half-day off work if you want a guy to install it.”

4. Dish Network
> Pct. ratings “poor”: 20.4%

Dish Network customers in certain markets have intermittently lost access to several popular channels because of the company’s disputes with content providers. Contentious contract negotiations with Disney put more than 14 million Dish subscribers in danger of losing access to ESPN and other popular channels. Negotiations in this case dragged on for six months.

Consumer uncertainty about Dish Network’s services may have contributed to more than one in five survey respondents describing their experience with the satellite TV provider as “poor.” Despite poor perceptions of service, Dish’s TV subscriber count remained effectively unchanged in 2013.

Employees also do not seem to like Dish Network. In reviews on jobs and career community site Glassdoor.com, employees routinely cited poor pay and the company’s unpleasant working conditions. In both 2012 and 2013, 24/7 Wall St. labeled Dish Network as America’s worst company to work for.

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3. Sprint
> Pct. ratings “poor”: 20.7%

This May, Sprint Corp. (NYSE: S) was fined $7.5 million for failing to honor customer requests and continuing to deliver unwanted marketing calls and texts. The settlement was the largest do-not-call penalty the FCC had ever reached.

Poor customer treatment such as this may partly explain Sprint’s exceptionally poor performance on our customer service survey. More than one in five participants rated the company’s service as “poor.”

In July of last year, Sprint Nextel, the third largest wireless communications company in the nation in terms of revenue, merged with Softbank. Despite the $22 billion deal, Sprint has continued to lose subscribers, even as competitors have been adding millions of new customers.

Sprint declined an interview. In a written response, the company claimed it has seen “faster data speeds, improved overall performance” and “significant reduction in dropped and blocked voice calls” in areas where 3G voice systems, 4G LTE, and Sprint Spark have been introduced.

In another attempt to improve the company’s position, Sprint is currently expected to pursue a merger with T-Mobile. The impact on customers remains to be seen. Regulators appear to be concerned that a deal would reduce options for consumers.

2. Comcast
> Pct. ratings “poor”: 24.7%

The customer experience at Comcast is so bad even CEO Brian Roberts has admitted the company needs to do better.

Nearly one in four survey respondents reported a “poor” experience with Comcast, which may explain why the company, like much of the industry, lost video subscribers in the past two years.

Poor customer service ratings may also be due to rising monthly bills. Even as the company shed subscribers, revenue from video services rose by 2.9% in 2013, due to increased rates and customers adding services. The company’s financial report warns investors that potential customer service regulations imposed by Congress and the FCC could have adverse effects on business.

Just this week, Comcast was embroiled in yet another customer service fiasco when a call of a customer attempting to cancel the service went viral. Comcast has issued an apology and said it was “very embarrassed.”

Both Congress and regulators are investigating whether Comcast’s merger with Time Warner Cable will be bad for customer service and customers’ wallets. Both companies are in this year’s Customer Service Hall of Shame.

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1. Bank of America
> Pct. ratings “poor”: 24.8% (banking), 22.0% (credit card)

Bank of America has attempted to improve its image in the eyes of consumers in recent years. While it has made some progress, it still suffers from low customer approval, even within the poorly rated banking industry. Nearly a quarter of respondents reported a “poor” experience with Bank of America’s banking operations, worse than any other company.

While banks are being penalized for their role in the financial crisis — which partly explains the industry’s poor image — strict regulations and fines may be making the problem worse. According to Bove, “The U.S. government has fined Bank of America over $50 billion,” resulting in cost-cutting measures that ultimately may worsen the customer’s experience. Bank of America is again facing a fine of as much as $17 billion related to its past selling of toxic mortgage-backed securities.

Continued branch closings may also impact customers’ experiences with the bank. In 2013, Bank of America cut its total number of branches by 6%, and the bank continues to shed locations as consumers increasingly use mobile devices for banking.

Click here to see the customer service hall of fame

Methodology

24/7 Wall St. commissioned Zogby Analytics to conduct an online national survey in which 2,500 randomly chosen respondents rated customer service at 150 of the best-known companies in the country. Fifteen industries are represented in the study.

Respondents were asked to evaluate customer service quality as “excellent,” “good,” “fair” or “poor.” Of the 150 companies, 108 companies had at least 500 valid responses. Companies with fewer valid responses were not considered.

The 10 companies with the highest percentage of “poor” responses represent our Customer Service Hall of Shame. Using the same methodology, the 10 with the highest percentage of “excellent” responses became our Customer Service Hall of Fame. This is the first year 24/7 Wall St. has conducted this study.

In previous years, the study was conducted by MSN and Zogby Analytics.

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