More Bank of America Complaints 2008 - 2

Janice of Auburn AL (09/02/08)
I use B of A’s Privacy Assist Service, which gives me information on my credit activity, for $9.99 per month. I have recieved a letter from Bank of America informing me that I will automatically be upgraded to their new Premier Service at month-end, and the charge will increase to $12.99 per month. If the consumer does not want the service, he is given an 888 phone number to call to decline.

I have had to call twice, the first time getting cut off without speaking to anyone after five minutes on hold, the second time on hold for over 35 minutes and counting (I am on hold right now as I wait for an answer). I plan to cancel this service, if only Bank of America will answer my call.

Wendy of Pasadena CA (08/29/08)
Just incurred over $140 in overdraft fees because BofA rearranged my purchases, payments and deposits to their liking so they could charge me 4 overdraft fees. Customer service tried to explain and did not make sense and just back peddled. I bank online, so basically keep any record by online banking is pointless. They have done this to me time and time again and I am tired of it!

Over $140 in overdraft fees-now have a negative $140 balance in checking account when it should be at $0.

Jo of Newport Beach CA (08/29/08)
For many years I’ve used BofA for both business and personal banking. For many years I have fought with them over fees and unexplained charges, overcharges, and lost deposits. I have had many fees reversed.

I’ve spent over $10,000 in fees - much of that was reversed due to bank errors, but much of it was paid by me. Along with merchant fees. Yesterday, I was charged three NSF fees when PENDING charges hit my account. The reps can’t tell me why all three were charged fees - because two totaled far less than the balance of my account. One was for more. I’m not sure how they got three fees, but get this - today I got charged another NSF fee when the actual charge hit (yeah, the one that was pending before is now a real charge and since the three NSFs from the day before overdrew the account, this incurred two more nsfs.

How can they charge me twice for the same debit ? (They told me the original ‘auth’ was the ‘charge’ and that I had committed funds to that once I made the purchase, but how then can they ding me again when the charge actually ‘hits’ the account? This is a very expensive snowball affect. PLEASE - LET’S CLASS ACTION

Shirley of Lindsay CA (08/28/08)
I have had an ongoing problem w/BOA for the last 4 months or so. They have taken over $500 of my hard earned money, and now are stiffing me on a charge that wasn’t even mine. They have a habit of taking one or two overdrawn items, even as small as a dollar or two each, and ending up with 5, 6, 7, or more overdraft charges by adding the OD charges in as far back down the line of paid charges as they can.

Example: two weeks ago I forgot about a 15 dollar gas purchase, and ended up going overdrawn on three other charges. I noticed while doing my online banking and went to the ATM, adding enough to cover all but one payment of $14. I was expecting a fifty dollar negative balance from this. However, they went down into the Cleared part of their listing…things that are supposed to have already been paid, and according to the businesses, had been…..and began adding charges. By the time it was all over, I was around $250 overdrawn!

I called and yelled at them for stealing my money, and the manager kindly cut half the charges, leaving a $130 deficit - better than nothing. What really got to me was her telling me that yes, the online site says Cleared, but THAT ISN’T NECESSARILY TRUE!

Before that, a charge from Sirius Radio came through (I don’t have and never have had that service) and caused $210 overdrawn charges. I disputed it, had the charges reversed, and then sent in a form they sent me to sign. A couple weeks later I got a notice saying they never received it, so I filled out the replacement they sent and mailed it the next day. Checked my balance on the day my check was autodeposited, and found the charges had been reinstated. Tried to call, got no one. Sent a message through their website. Tried several more times to call, finally went through the regular number and had myself connected manually by them. The guy I spoke with checked it out, saw that the deadline on the second form was 8/19/08, and it had come in and been scanned into the system on 8/18/08. Thinking all was cleared, I breathed a sigh of relief.

Next day got an answer back from my online query telling me there was a deadline, it may not have been met, and even if I reopened it, THE CHARGES WOULD REMAIN ON MY ACCOUNT EVEN IF I WERE PROVEN TO BE RIGHT! How can they do this? They are outright stealing from me, have been for several months, and I can’t do a thing about it. I know when something is overdrawn I will get the $35 charge for it, but how can they then add that charge in several paid transactions earlier than it occurred, driving more payments overdrawn, adding more charges, driving more payments overdrawn?

I am disabled, trying to live on a fixed income, and working toward becoming self-sustaining with my new job. However, these people are driving me further into debt by causing me to be unable to pay the bills I have to pay to survive and keep working because I keep having 2 to 3 hundred dollar debits before my next check comes in. It simply isn’t fair, and something should be done.

Kim of Festus MO (08/27/08)
Bank of America scams people out of their money with their Outrageous overdraft fees. I checked my account at 3am (I have a new baby and am up all hours of the night) and my automatic deposit was pending for today’s date. No other pending transactions, just the deposit. At 9am, two checks were overdrawn that had today’s date. Now, at 3am, they were NOT pending, nothing, but at 9am they have went through, bounced, and claimed to have went through on yesterday’s date.

How could this be? The one check was for $5.00 and one for $150, and I had over $100 in the account, and of course, they put the $150 through first, so they could charge me two overdraft fees. Something else that I have noticed.. Checks, debit transactions, credit transactions and deposits will pend for a day, sometimes two to three days, but when you don’t have enough in the account, the bounced transactions NEVER pend. They go through IMMEDIATELY.

If I didn’t have my mortgage, equity loan and all of my checks automatically deposited into this bank, I would change banks. But, I feel like I’m stuck. They have probably taken over a thousand dollars from our family in the last several years just from overdraft fees.

Edgardo of West Warren MA (08/26/08)
I am sick and tired of it and would like to take this matter to congress. I will be looking into further actions against this kind of fraud by bank of america.

emotional, stress ,depression, and late fee charges.

Elaine of Rockland MA (08/23/08)
This Bank [takes] enormas overdraft fees by moving charges around so they can overdraw your account, overdrawing your accounts for pended charges and then you find the charges reversed to positive the next day, charging $35.00 for overdrafts for charges amounting to $8.48, choosing to assess charges that will net them for example 5 or 6 $35.00 overdraft fees when they should be no more than one.

However, their customer service department claims they pay the largest ones first as a service to the customer. How is that a service when all are paid by the bank, large or small? It is a method they are using to excessively charge your account. One day a charge is posted, the next day it isn’t.

I’ve made a cash deposit when a charge is pending. They claim they instituted a new policy that does not count the cash deposit immediately, thus when the posted the pended charges, they did not account for the deposit until have the pended charges posted and took all my money in overdraft fees.

Thomas of Jacksonville FL (08/20/08)
The bank charges a future 35.00 debit hold to the account on two transactions (70.00), which nets the account negative due to the deduction of the charge before the debit. Customer no service states that the online banking is just a tool, if the transactions show pending it is not accurate. When I use their tool they provide to me I expect it to be accurate and up to date.

Overdrawn on account, which would not have happened had their fee(s) not be deducted before the charge was not pendng to the account.

Kristine of Franklin Square NY (08/16/08)
When opening my checking accounts, I had a check card / ATM card ordered, linking my checking accounts for transactions to include: Point of Sale Merchant puchases, online purchases, ATM withdrawals, etc. There is an option that the bank offers that you may have your card shut off when reaching a zero balance. I WAS NOT MADE AWARE OF THIS upon opening my account.

My deposit agreement does not state anything as such in its Agreement. My account went to zero and I was unaware and went about making purchases, not knowing that the Bank was paying the point of sale purchases and on top of that, charging me $35.00 per point of sale purchase. How are banks able to legally get away with stealing your money, and they NEVER made you aware in the first place that you could have your card shut down when you reach zero? Please advise.

In debt approximately $1,000.00 to the bank. I had a direct deposit go into one of the accounts on Tues., August 12, 2008 and all the bank fees were automatically deducted away from me.

Rachel of North Hollywood CA (08/14/08)
Apparently BOA has a policy of deducting debits of the same day in order of largest to smallest amount and not in the chronological order it occurred. Meaning if you have a $105.00 available balance and you make 10 $1.00 purchases in the morning and later in the afternoon you make another purchase for $100.00 you will be charged 5 overdraft fees (They deduct the $100.00 first and then ten times $1.00)! That would result in $165.00 for an actual $5.00 overdraft of one transaction.

I have been told by customer service that this is BOA policy and there is nothing they can or will do about that.
In my actual case it resulted in $140.00 overdraft charges due to this policy!

Tania of Huntsville TX (08/14/08)
I have 6 transactions posting on my account without my consent. I admit they were my fault because I signed for loans this month- since I didn’t get my check yet. When you sign for loans, they pass your info on to third parties, but I didn’t see in the fine print that they can charge your account without you signing anything. I am 27 and very smart.. I know that you have to agree with THAT person with paper work or verbally to allow money from your bank account.

I spoke to Bank of America over 2 hours, which consisted of being transferred 9 times to customer service, to fraud, to claims, to customer service, to fraud, so on and so forth. Usually Bank of America helps me out. I would talk to claims, and they send paper work, I sign and send it back, or customer service are smart enough to see a fruad and they credit it back. Well, not this time. I asked to speak to the supervisors, and they’re not clear as to why they can’t help me. The last supervisor I spoke to, Dan from Claims department, said well when you sign for payday loans you’re agreeing to allow third parties to debit your account for their services.

I have had to use payday loan companies for valid reasons, and I’ve never had that happen to me until now. He sounded careless and not eager to help me. He said that there was no way they can help because I gave my consent through a contract- which he hasn’t seen, nor does he know which payday loan companies I have dealt with. So now I am stuck with my money being taken away- no phone number for these companies provided. I want my money back and somebody needs to help me.

I have over six 35 dollar returned item/overdraft fees posted to my account because of these unauthorized transactions. I am negative 91 dollars and will be more by tomorrow, the 14th of August 2008 because of another transaction coming through, that I did not authorize. I am not rich, but I am not a fraud. I don’t want to be penalized for someting that is not my fault.

Joshua of Hartsville SC (08/13/08)
A year ago my wife applied for a loan on my behalf. When talking to BOA representative on the phone she was (verbally)assured that the interest rate will be 7.99% FOR THE LIFE OF THE LOAN! I made payments since day one and out of the blue, the last statement which I got a week ago, showed an interest rate of 15.99%! When I called them to find out what had happened they claimed that the 7.99% rate was a promotional for ONE YEAR.

Loss of over $1000 in added interest rate fees.

Ani of Elmhurst NY (08/13/08)
This is my second bad experience w/ bank of america. I deposited $300 via ATM. However, I am not sure if I miss keyed and entered just $200 or the ATM made a mistake but my balance only shows $200. I contacted customer service and explained the situation. The associate told me that if there is an outbalance in the ATM, you will get your $100 the next business day. So i thought everything was solved out. The next week I checked in there was no change. I filed a claim and after theire INTIMATE RESEARCH, they found nothing at all!!

Now I am filing another claim and reopening the case. How ridiculous is this that we have to fight for our own money?? How can I be so sure that my money is not going to disappear out of my own bank account? This is such a big waste of my time. I have to keep calling them and waste my minutes. And neither is there an instant reply. Their automated service take FOREVER and does not enter things correctly!! I mean are there people working on this or what?

Vince of Antioch IL (08/11/08)
i paid my bill in full , and now i am owed a refund of 283.41 they said it would take 7 to 14 days and now it is august 11 and still no refund check i have talked to tyhem at least 3 times and they keep giving me the run around. they say they have to wait for the billing cycle to end i dont understand why. when the account was closed for 4 years so nothing can be charged anyway italked to many people there. today they said it would be a few more week s before they can reissue acheck they never issued in the first place. please help if u can

this money could be in my bank account making interest not in there account. imade good on my half by paying in full now they should keep there half of the deal

Karen of Taylor MO (08/11/08)
I filed an Affidavit confirming that U.S.Cellular placed unauthorized charges on my account. Bank of America had returned two of the three payments on 7/29/08. On 8/05/08, U.S. Cellular resubmitted payments and they again were withdrawn from my account. When I asked Bank of America why they allowed the payments to be resubmitted even after I have a signed affidavit stating these are erroneous charges, they claim that they cannot stop them and because they are still investigating the claim, they was nothing they could do.

Bank of America claims to offer security protection, yet even after following the necessary steps to resolve this problem; the payments were paid in full, from my account. In the end I had to borrow money from my parents so that I could be there for the surgery that my father was having. Although Bank of America and U.S. Cellular were aware of the problems they were creating, there seem to be nothing they could do.

I soon could be loosing much more then money since the total of unauthorized charges were $551.09. I am sure there will be nothing they can do about that either. I will be closing my accounts with Bank of America, and stay away from both U.S. Cellular and Bank of America.

Over $551.09 has been withdrawn from my account. Many other bills are being place on hold. Closing of the accounts means changing deposits and scheduled bills to a new bank. All of which takes time. The worse part of it was the rude, shameful treatment from both of these companies. Bank of America’s rude remarks Were not letting them do anything, yet U.S.Cellular has received all three payments in full.

Pam of Montezuma IN (08/10/08)
I purchase a 4-wheeler through Bank of America. They were the financual lender with the dealship. After paying for the item in full. In 2005. Come 2008, they claim they can’t find record of payments. Although payments were made by money orders to Bank of America and a couple of cash pymts to Bank of America in Champaign,Ill. The Bank of America can’t find my account nor payments made, but can find my date of purchase, now image that! You can track and find a purchase date, but no payments and your going to wait three years to find out why payments haven’t been made and not send any letters or repo the item?

Then the Bank turns this over to a collect agency and they are threatening to take me to court for the amount. In the meantime, this was purchased for my son his senior year in highschool. Immediately after highschool he join the active army. I sold the 4-wheelere and gave the title and registion papers to the purchaser. And threw away the loan papers now how do I prove payment of. Or do I have to pay for this item again?

Nichole of Lanoka Harbor NJ (08/10/08)
I have two checking accounts with BOA, a CampusEdge checking account and a regular checking account. I use the student checking account for my finances and the regular account for Ebay purposes. I have been transferring money from one account to the other to take care of ebay expenses. About a month ago I went to the bank and deposited money into my student checking account. I use the online banking website, so later that evening I accessed my account, confirmed the money was in the account and proceeded to make three seperate transfers into my other checking account for ebay expenses.

The next day I had three overdraft fees ontop of what I had transferred due to the fact the deposit was posted after I made the three transfers…I have one question…How could I possibly transfer money that was not even in my accont? I can’t seem to come up with a good answer and neither could the representative I talked to from BOA. When I called to find an resolution to my problem, I was a little disturbed that they could not verify my account. In the past I have called the bank many times and had never had a problem. I am not sure how my information got confused, but this was a big inconvenience.

After going through a hassle and finally using a different method to verify my account, I was told I would have to go into an actual banking center to fix the situation that I did not take part in messing up in the first place. When we finally discussed the actual problem of my overdraft fees I was made to feel that it was my fault although they did not give me a good explanation of why I was charged the overdraft fees. I was told I would be reimbursed one of the overdrafts as a courtesy but that was all they could do. I was very dissatisfied with the customer service.

On another occasion, which was very recent I made a deposit on a vacation home in Florida for $261.29. After I booked the vacation home I checked my account and confirmed that they had debited my account for that amount, which indeed they did. The next day, I did a routine check of my balance and noticed I had more money than I expected. When I accessed my account online the vacation home deposit was not there at all when I am 100% certain it was there the day before. I contacted the business in which I had booked my reservation with and they confirmed that my reservation went through and the deposit was paid.

I have no explanation as to why that debit has disappeared off of my account activity but luckily I am keeping track of this activity better than BOA is or they would have another reason to charge me another overdraft fee. I honestly feel it is a disgrace when you feel that you can’t trust your bank, I have been with this bank for a long time, but now I feel that I am going to have to bank elsewhere. I am no longer able to afford to have an account with these people.

For the three overdrafts I was charged I was reimbursed for two of them, which I was pleased about, however, I didn’t see how it was my fault to begin with so I really shouldn’t have had any. I am taking this as an economic loss along with the many other overdrafts I have been charged in the past due to the way they post transactions. I have not yet gotten to the root of the problem regarding my reservation deposit.

Tiffany of Louisville KY (08/08/08)
I attempted to close my bank of america checking and savings accounts. It takes hours to get a person on the phone. I finally did. I sent several email messages regarding this with responses. I wrote a check to myself to get both accounts to $0 exactly, and then they contacted me and said I couldn’t close the account because I was .97 under. They waited until I hit 0 and then did a keep the change transfer of .97 cents and then charged my savings account for being at 0, which was what they told me it needed to be in order to close the account. This was after I had notified the bank in writing and on the phone for over two weeks that I wanted to close down the account. Kevin, a supervisor who refused to give me his last name, said they wanted to charge me all these over fees for being at $0 but he was going to be nice enough, so as to not charge me.

THey wouldn’t let me pay the .97 cents to close out over the phone. They said I had to send a check, because I am not in a state that doesn’t have bank of america. i asked him if he could promise me that once again if I got it down to $0 by sending the check in the mail, if he could promise me that they wouldn’t do it again (charage me fees for being at $0) and he said no. I have checked online and this seems to be a common occurence with other Bank of America customers. I do not care about the 97 cents, but the behavior is very unethical and this disturbs me even more so because it seems systemic.

Countless hours on the phone. It is very difficult to get a person on the phone. And sometimes they just hang up on me. Stress. Anger. feelings I am powerless and being manipulated. Worried about my credit score.

Michelle of Duluth GA (08/08/08)
I have been a customer of Bank of America’s for a number of years. Recently, I began incurring overdraft protection just prior to every paycheck period. I wasn’t doing anything any differently. I don’t keep a register… I log on on a regular basis to check my balance and spend money accordingly. I went into a branch a couple of weeks ago to ask a CSR to explain which transactions were causing the overdrafts and low and behold, when she pulled up her system, it’s completely different than what the online customer sees. The online transactions are apparently not in chronological order so the customer is not able to determine what caused the overdraft.

For example, I logged on on Thursday (8/7/08) evening and viewed a number of pending transactions. The ending balance, including these pending transactions, was 300-something dollars. In addition, I was to receive a paycheck via direct deposit Thursday night (as has been done for years). I woke up Friday to see plenty of money in my account - more than enough to cover all transactions - right along with a $100 overdraft. How could I have possibly incurred an overdraft with a $300 balance AND a $1200+ paycheck that posted sometime during the night? As a matter of fact, looking at the way items posted to my account today (Fri, 8/8/08), the balance that’s posted just prior to the overdraft transaction is $1814.07. The balance jumped up to $1914.07 after the overdraft. Now, how is that fair to me that I can’t even determine when or why that overdraft kicked in? It’s not! It makes absolutely no sense and someone should do something about the way BOA is conducting their business.

Since my overdraft is hooked up to my BOA credit card, the bank charges 10% with each overdraft, even if I immediately transfer the money back to the credit card. I still can’t figure out which transaction caused the overdraft. In this particular instance, I did notice that one of my mortgage payments was suddenly posted to my account even though it NEVER appeared in the pending transactions. How can this be legal, ethical, accurate or fair to the customer?

In addition to owing money and fees to the credit card and bank, and in addition to the frustration, the consequence is that BOA is making millions off their customers’ lack of understanding on how they’re conducting their business. They’re relying on the fact that people can’t see what’s really going on in their system. It’s unethical.

Robert of Chesapeake Beach MD (08/06/08)
I have a complaint. I have both worked for and been a customer of Bank of America. Now, the problem I have is that on two occassions in the last year I have had a debit on my account that I was not aware of at the time. The first was because of a double refund from fraud on my account, that account was closed and a new account opened. The second debit, I am still waiting for word from the bank as to why.

On both occassions the first word I get of a problem is a call from SRA a Collection Agency. In this last instance I went directly to the bank to find out why I had a debit as my final statement said zero. It has teken them over 4 days to get an answer for which I am still waiting. I then had a confrontation with the SRA representive who called me a liar and threatend my credit. Told me it was my fault that I had ignored bank letters. This is unacceptable, I would accept that in the first instance that I might have over looked Bank notification, but not twice in less than 8 months.

When I tried to contact someone about calling off the collection agency I was told they can not do that till the debit is paid. I pay my debits and all I want is proper notification and proof of the debit. Instead I get the run around and told there is nothing anyone can do…..this again is unacceptable….if you can start a collection then you sure can stop one. I do not like being treated as if I am a criminal and trying to defraud the bank. I would welcome a call from the President of the bank to explain the banks position.

I remember once the President of the bank came to the call center where I worked and said Bank of America had gained 3 million customers this year after the cheers died down he said we also lost 3 million customers. I am one of those lost customers and I represent at least 50 other people in my large and extended family that I will make my mission to never use BoA. I will from this point on be a vocal advocate against BoA. Lets see if you can suprise me; will I get a call from someone high enough up the food chain to make a difference? I am a little pessimistic.

Right now it is just time. However my credit is being threatened and I am being labeled a liar. I have spent over 32 hours trying to resolve this.

Katrinka of Milwaukee WI (08/06/08)
False information given to me re: Credit Protection Plus program. Cancelled over the phone on multiple occasions but fees kept accruing. Wrote 2 letters, one to general statement address & then to actual CFO of corporate. Asked to be refunded for total amount charged plus interest due to fraud. Refunded partial amount only.

Corporate (which was just another call center) would not listen to my concerns when I explained the logic of why I would pay an additional $200.00 a month plus finance charges on top of already high balance when I couldn’t afford my payments as they were, yet I had continued to pay. Obviously I would not agree to such a ludicrous set up had I been given the full story up front of the charges.

Currently earning under $900.00 per month and unable to pay for services I cancelled multiple times.

Ani of Elmhurst NY (08/04/08)
I deposited $150 into my savings account via ATM. It reflected in the account the next day. However, after 2 days my account showed $150 missing out of the ATM because the money wasn’t found. So now that money is missing out of my account. If they could not tell the difference between CASH and ENVELOPE, why have such service? How can we be guranteed and satisfied that next time we make a deposit our money will be safe?

It is more of a mental damage and waste of my minutes that I have to constantly call for assitance. Plus, they take forever to answer. How can this bank be trusted?

Dj of Mckinney TX (08/02/08)
I use them because I have to but in actuality they are costing me a fortune that I cannot afford. The first few years that I would call to inquire about the overdraft fees and the rearrangement of purchases on my account, I was treated like I was crazy and given the runaround. Sometimes I was told I would receive a callback in which I never received, ever.

Finally, this year I am told that the charges are placed in order from largest to smallest at the days end, due to customer complaints in the past concerning nonpayment due to insufficient funds on items such as a mortgage payment that customers preferred to have paid as a priority as opposed to a smaller charge on their account for that day. I disagree and was told that process was soon to change due to increased customer complaints. The next call I made in reference to overdraft fees, I was told that was indeed NOT true and was not going to happen. Wonderful, back to the old routine of me being crazy again.

I have also sent many e-mail correspondences in hopes of a more accurate solution or answer to my problems. This too never happens. I get basic replies to do not solve my problem and usually do not answer my question. It’s like they pretend I am asking something different than what I am. I have placed several request for the total amount paid from my account to the bank for overdraft fee charges each year that I have held my current checking account active. Each and every time I get I would be happy to assist you with your request……then all I get is instructions on how to view my account, which I already know how to do. I believe it is over $5,000. per year, this is absurd. No matter what I do there seems to be a loop hole that sucks out the fees.

My consequences are being BROKE most of the time. Having utilities cut off. Not having Christmas or food money, that is in my account but I can’t access any of it. They placed a fraud alert on my account because of increased spending the day prior to Christmas Eve. Not having all of my house payment because they charged me 5 overdraft fees in a day. Not having what I need when I need it for my children.

Tj of Johnson City TN (08/01/08)
Okay, last week, I completed an application to open a new Bank Of America MyAccess Checking account. I already had 2 other checking accounts with them, along with a savings account and credit card. Well, anyways, I completed the application for the new account and set the openeing deposit up to be taken out of my current checking account, the amount was supposed to be $40.00. A few days later, I log into my account and see that the new account is open and has a balance of $4000.00. My original checking account had a balance of $59.00.

I called the 800 number and the rep. told me that it was a coding error. They had taken $3,400.00 off of my credit card and $560.00 out of my other checking account. She said she would fix it, she left $40.00 in the new account and transferred all the money, which was $3,960 back to the original checking account and then she transferred ALL of the $3,960.00 back to the credit card when she was only supposed to transfer $3,400.00. I lost $560.00 to the credit card.

I have called in and have spoken with several reps that claim that nothing can be done and the other half of the reps tell me they will correct it and note it in the account. I called today, the guy says there is no record of anyone doing anything and that I can’t get the $560.00 back. I dont’ know what else to do?

I’ve lost $560.00 of my money.

Richard of Canyon TX (08/01/08)
I have been calling Bank of America to cancel my Credit Protecion Plus Since i did not approve or gave the ok. I just relised it when i kept getting an over the limit charge. Not only that, Even with auto pay and them getting their money monthly the closed my account and stated that i had to much debt. i have called several times and e-maild them only to be told the same thing. call the 1-800. i will be taking to a lawyer to see what can be done.

Over the limit charge and had my credit cards closed for to much debt.

Jane of Warwick RI (07/31/08)
At end of business day on 7/29/08, we had a $6.24 balance in our checking account. On 7/30, and not until mid-afternoon, (2) $35 charges appeared on the website againt the account. When I called to inquire, I was told by a BOA customer service agent that these were (2) overdraft fees for activity on 7/29. How could that be possible I asked if I had a $6.42 balance at the end of day on 7/29? The agent said that BOA now includes any pending transactions even though they have not posted to the account. How is that possible or legel for that matter?

Bottom line is, the transactions were never processed and were still pending as of 7/30. The agent explained that letters were sent out by the bank to inform customers. What difference does that make? I don’t believe what they are doing is legal or is an ethical business practice. How can I manage my account? Additionally, I knew our account was very low and had checked it several times that day. I had asked my husband not to use the ATM card for anything until my paycheck deposited on Wednesday. The last time I checked it, INCLUDING pending transactions, there were a balance of over $10.

Even so, the bank website itself shows our balance above zero. How can we be charged $70 for overdraft fees if the bank has not yet paid on that transaction? Something is not right with that. Unfortunately, I do not have any screen prints from 7.29 but I do have screen prints now showing a positive balance on that day.

Economic damage is that we have been unfairly charged $70 when we still had a positive balance in our checking account.

Joe of San Jose CA (07/31/08)
I opened a CD account online four days ago on BofA’s website. I have been a customer of BofA since 1970. I have two savings and two checking accounts, plus a mortgage. The CD was to be funded from money on deposit in one of the BofA savings accounts. Because my credit report is locked (per California law) the bank wouldn’t open the CD. It is locked because I receive as many as fifty credit offers a month.

Other than the hastle of changing banks, I wasted many hours trying to resolve the issue. It is also possible that they offered a high rate CD and realized it was a mistake, so they found a reason to not issue a CD, because the higher rate is no longer available.

Karin of Oak Ridge NJ (07/30/08)
Long story short, FIVE times within a course of one year cash deposits have gone ‘unregistered’…not showing on account after physically walking into the bank and dealing with a teller NOT an ATM. Of course.. the cash showed up immediately as available that day..a day or two later the deposit isn’t even listed on the statement or recorded anywhere. THANK GOD for holding onto receipts.

I will be pulling my account with them shortly! I have been with BOA since United Jersey…then summit. Since the early 90’s. Almost two decades. And this is how I’m treated? Needless to say, I have called the OCC and am waiting for papers to file an official complaint and an investigation will be done.

I really rather not mention the headaches this has caused… in having to straighten out NSF fees as they seem to be popular in doing.. Bottom line.. Something fishy is going on at BOA.. so let’s all file an official complaint and show them we, as long time consumers, will no longer tolerate their misappropriation of our funds.

Vera of San Dimas CA (07/23/08)
Customer service online for Bank of America charged me for overdraft fees of $35 for NSF when my account was not NSF. I checked my account on 7/21 online at 11PM and nothing was pending against the account and I had a positive balance. I checked again on 7/22 and nothing was showing pending online again with a positive balance. On 7/22 at 1PM I deposited a check for $600 and my account did not show overdraft in fact funds of $100 were available to withdrawl had I wanted to withdrawl. BofA is playing games to get NSF fees that they are not entitled to have.

Katherine of Providence RI (07/23/08)
I feel that overall, Bank of America is a lousy bank. I used to deposit my payroll check into my checking account. I wasn’t notified that it was put on hold until I got a little card from Bank of America notifying me the following week that my payroll check would be put on hold because the bank that handled my payroll was out of state. During my hold time, I would use my debit card and my online balance would be in black with a positive balance. After my check would be released, I would find myself paying for a few overdraft fees and I would also find those transactions with totally different numbers than the day before.

I signed up for a savings account and also the Keep the Change fund. Sometimes the change coming out of my account will be two to three dollars sometimes it will actually be the change. So why are there such differences? I had also signed up for overdraft protection. The bank manager in my area had suggested that I transfer 25.00 from my checking to my savings at the first of each month. He told me to try it out. So I tried it out and I wasn’t thrilled with it only because the first of the month is financially difficult for me and $25.00 can either make me or break me.

I called the 1800 number and spoke with someone and told them that I either wanted to change the date-which I could not or I wanted to cancel. She informed me that I would have to keep a daily balance of over $100 or else I would incur fees. She said basically the auto-transfer was protecting me from the fees. I was furious. I asked her why I had not been informed of this and was told to try it out? She said sorry but was condescending and rude as 98% of Bank of America customer service reps are. Bank of America also allows customers to use their bank cards even when they have a negative balance so as to rack up all of those overdraft fees. BoA is awful.

When I lived in Kentucky I delt with a local bank. I was never in the red nor did I have all these ridiculous fees. As soon as I am able to open an account at a local bank and transfer my bill pay and accounts to it, I will promptly close my BoA accounts. I am worried though, I have heard that even when people close accounts, they recieve fees with little explanation.

In the two years that I have been a customer with Bank of America I have paid over $1400 in fees. Many of them I have contested for being double fees on one transaction or for putting my payroll check on hold. Just for examples. My family and I live pay check to pay check. My husband and I are both students. When I’m hit with five or six overdraft fees, that’s food that is taken away from my kids.

Susan of Palmdale CA (07/22/08)
On Thursday July 17th I withdrew $7000.00 from a savings acct I had with WAMU to cover excessive expenses we were incurring. I had them give me a cashiers check so that the funds would be available immediately. On Friday(18th) I went to BofA to deposit it. I was told because I had been previously overdrawn (at the time of the deposit I was not) that a 10 day hold must be placed on $2000.00. I said that’s ridiculous I deposited CASH. I was told they had to go by what the computer said, oh well call customer service.

I went home and called customer service and they told me to take it up with the bank itself, they had the ability to fix it. Now where am I? Waiting for a response (I’m told don’t worry the money is available on the 29th) and not able to pay bills. I e-mailed the corporate office and have had no reply. They tell me they have a right to make a judgement call with my money since it’s in their bank. WOW!

I’m sitting here with a $1000.00 bill due today (22nd) unable to pay it, unable to get food and gas and no money until Thursday (24th) yet I have $2000.00 sitting unavailable.

Keosha of Atlanta GA (07/21/08)
On Thurs 7/17 Bank of America put a hold on my accounts. I contacted there Customer Service Dep’t immediately, I spoke to Rep Yencia stating that she had no information as to why my account was frozen. She gave me the number to Risk Closure. I contacted them on Fri 7/18 after 9:25am and i spoke to rep Derry who refused to give me the reason as to why my account was on hold. She stated that I would be sent to Check systems and there is an investigation going on and it will be 7-10 days before I would get an answer.

After battling for 20mins to get some answers she still refused to tell me! She said my accounts would be closed out as of 8/1/08 and I will get my money in a cashier’s check along with a letter. I went to the Windy Hill, Smyrna Bank of America Branch and spoke to Jose Argumento on Fri 7/18 around 2pm e/t and again he could not give me answer as to why my account was on hold. Again I spoke to Derry in Risk Closure and still refused to tell me what the situation was.

My accounts were current and not overwithdrawn. I have not wrote any bad checks. The last check i wrote was to my car insurance company in March 08 and that cleared. I don’t understand it. I have been inconvienced, I had no money for gas, food or other necessities for the entire weekend. I had to leave my job early on Fri 7/18 and loose 4hours of work. I hope that my complaint will be reviewed and I can gain some justification.

I have been inconvienced, No money for gas, food, etc. I had to miss 4hrs of work on Fri 7/18 in attempt to correct the situation.

Christopher of Clanton AL (07/18/08)
I wired $4000 to an account in trying to buy a truck that turned out to be a fraud transaction. Bank of America had frozen the account and assured me that my money was safe. I was told the account was under investigation. A few weeks later I find out that the account had been zeroed out by Bank of America and they don’t want to return my money. The person with the fraud didn’t get my money. Bank of America has my money.

I lost $4000.

Sheny of Aztec NM (07/17/08)
I tried to transfer $1,000 from my CD account into my credit card account (both BofA accounts), but the $1,000 payment never posted to my credit card. It is lost in space due to bank error. It occurred June 4, 2008. The case has been investigated by several bank reps, but no results yet. I call and call but I keep getting put off. What can I do and who can I call to get this resolved and get my $1,000 back? Thank you.

Missing $1,000 from my account due to bank error.

Thomas of Ewing IL (07/17/08)
BA routinely shows unauthorized withdrawals and misc random charges of unknown origin. Sometimes these are pending charges that never get posted, sometimes they do. 2 weeks ago was the worst; I had well over $300+ in multiple charges of unknown and unauthorized origin that put my account into a overdraft. The Overdraft was not real, only pending if/when the charges actually posted.

In Multiple email inquiries BA said that I could not contest pending charges but wait until they posted, then complain and my account would be frozen pending investigation. The spurious overdraft blocked my access to my own money prior to an international trip. AND it also generated 2 separate $35 overdraft charges. The unathorized charges were never posted but the overdraft charges were and they stole $70 from me (this time) and are very rude and unhelpful when I try to complain about it. This is the latest example of a routine business practice by BA

They are costing me on average not less that $100/month in charges, Fees, spurious random unauthorized charges

Andrew of San Jose CA (07/17/08)
On the 14th I had some transactions posted on my account that showed pending and I was -$25+. My grandfather posted $200 cash in the bank at 11:30 AM. My account showed a $35 fee and $127 balance left. By 2:00 PM on the 14th my account reflected -$27. By the 16th with no other transaction, I am negative -$147. The details are as follow. The online transactions show I had a negative transaction of -$0.87 before posting. (how this changed, I have no idea) After various transactions showed as pending I had $127 left right before Noon. By 2:00 PM my account was -$27. Fees of $35 x 5 showed up and they still had transactions that had cleared show as pending. T

he transactions show they tried to take money from savings which had $0 so to cover the -$0.87 and charged me $35 for trying to take it out and not having the money and then another $10 for the transaction fee. So, by the time the $200 was deposited I was negative -$10.87. Once money was deposited I guess they decided to take 5 x $35 fee, clearing a few transactions (all under $20) and now today, charging me over $300 total and my account balance being -$147 with still 6 transactions pending. I added up all my debit transactions and they don’t even total $100 dollars.

So, Bofa has ripped me off again. I am closing my account and leaving it negative. I really believe they have people monitoring and changing transactions because at every 2 hours of the day and/or by the next day, the transactions are completely different. I only make $9 an hour and work part time. Of course customer service tells me it’s not a Bank Error. SInce when do you get charged fee’s first, make you negative and then have all your transactions bounce and get charged more fees? Especially fees form the bank trying to transfer money from my savings when they can clearly see I had no money in it. This is fraud and I’m not sure how they are continuously able to get away with it.

On 7/14 when my grandfather deposited the $200 I was stranded at work with a negative balance of -$25+. By the time I tried to withdraw (when I got a ride)I was -$27 and $200 had been used for the fees. My mother had to Western Union me some money. Today, after not having used my card because I was negative-$27 I am -$147+. That means the $100 my mom direct deposits into my accuont will go to fees and still they show transaction from 7/13 as pending so they can charge me more.

Serkan of Arlington VA (07/17/08)
I have been a Bank of America customer for years. I received the worst customer service from any business today in years from Bank of America. The agent named Elaine I talked to at 7.00pm kept inturpting me, was rude, sarcastic and racist. When I said I wanted to close my account due to this and wanted to talk to a manager, she refused. She said Oh, you only want to close your account because you did not like my answer, not because of the customer service.

When I demanded I wanted to speak with a manager, she said if you want to, fine, but you have to be on hold for 30 minutes! When I called back and talked to Ron Redford and asked him to close my account and told him what happened, he did not offer any apologies either. He said he can close my account immediately and send me a check, but no manager will call me back after I close the account because I am no longer their customer. Worst customer service ever! I will make sure all my scheduled bills are paid, this is reported to the Consumer Affairs and then close my account.

Evelyn of Tampa FL (07/16/08)
I too am a victim of Bank of America’s NSF Fee program. I have been hit three times this year. Just this week I was hit with 5 NSF fees. I had a positive balance on 7/14/08. This included the pending transactions that were already deducted. The items fell off and as of today, 7/16/08 I am showing $210.00 of overdraft fees! I have spoke to representatives all three times as to why is the bank charging for transactions when funds were available but showed pending payment status. No one could come up with an accurate answer. I have been asked repeatedly if I have been educated in how to avoid overdraft fees. They only credited me back two overdraft fees this year and refused to credit me back in this weeks fees. They are simply horrendously wrong.

I work two jobs in the effort to get out of debt and here is a bank who professes themself to be a peoples bank, who is putting countless of people in debt. I demanded for Bank of America to close my two accounts and they refuse. I am very concerned of what other fees they will try to apply while I am trying to gather the money to pay the current incorrect NSF fees that they have applied. I am totally disgusted with this institution.

Elaine of Secane PA (07/16/08)
after reading all the complaints about bank of america i realize that it is an epidemic and my complaints are similar about being raped for fees;it is such ashame that this is what our economy has come to such instistutions such as bank of america that are powerful think they can rob the little guy but i truly believe this will all come back to bite them. ALL WE CAN DO IS DONT USE THIS BANK IT WILL DEFINITELY MAKE A DIFFERENCE ONE DAY! VERY SADDENED

Patricia of Sebastopol CA (07/11/08)
I recently found that Bank of America has been making automatic deductions from my checking account at Community First Credit Union in Santa Rosa in the amount of $200 a month. I called my bank and asked where they were sending the money as I have nothing to do with Bank of America. They tried to find out from Bank of America but they would not tell my bank anything because they were not the customer.

So I called and they could find no account with my Social Security number on it and not one with my husband’s on it so we are not customers and they will not tell us anything. I spent the whole day talking to different people who said this to me and dealing with the other people who assured that it was the other bank’s problem and I should deal with them. Run around from everyone. Bank of America has $2400 of my money and will not tell me where it is and how I can get it back.

I went to the doctor today because my blood pressure is way too high because of this. I want my $2400 back and I want to know how they got my money in the first place.

Ann of Downey CA (07/10/08)
Upon looking at my son’s account on July 8th, 2008, we noticed he was hit with 5 NSF fees, when only being in the negative for 3 purchases. Come to find out they say they have changed the rules on pending tranactions, which means, that if you have a transaction for example: on the 2nd and it is showing it is pending, and make a deposit on the 3rd before it hard posts, bringing your balance to a positive balance, you will still get hit with a $35.00 nsf fee.

He was in a positive balance on the 8th, 3 transaction hit his account, but he was still in a positive balance, but since they were from the 6th, and he was negative on the 6th he was hit with more nsf fees. They don’t go by the balance of the day it hit, they go by the balance of the day of the transaction, even if the item falls off for a couple of days showing your in a positive balance and then reappears and your still in a positive balance you will still be charged. The notice states their rules have changed, but it does not state that they go by the balance of the date of the actual transaction and not by the current balance of the day the transaction actually hits. Is this legal?

Was hit with over 300.00 in nsf fees, even though he was in a positive balance when the items hit.

Patricia of Sebastopol CA (07/10/08)
Bank of America has been automatically transferring $200/month from my checking account in Community First Credit Union to some account they have. I have tried to find out what this account is so that I can get my money back, but Bank of America says that they do not have a record of me or my husband having any account when they search by social security numbers. They then refuse to tell me where they have been sending the money.

Both banks insist that it is the other bank’s problem. Bank of America refuses to give my bank any information because they are not the customer and they refuse me any information because they do not have an account for me.

Bank of America has $2,400 of mine and I want it back. There is also tons of emotional stress and upset and wasted time around the issue.

Jessica of Phillipsburg NJ (07/09/08)
I scheduled an online payment for $866.81 to my electric company. I spoke with my electric company they could not wait two day for the payment so I stop the online payment and paid them cash. The online payment still was process but return due to insuffient funds. I reponded to the via email and telehone call. After nine diffrent people, 10+ diffrent emails they claim the can not fund a process payment.

How can a stopped payment, then NFS three times then emails telephone calls which transfer you to the wrong departments still gets processed after you deposited money in your account 10 days later. I have written check against that money which now bank of america is not processing including the rent. This is not the first time I have had problems like this with them.

can not cover bills, plus the $35 per items which is up to $260 will increase