More Bank of America Complaints 2008 - 3

Colleen of East Islip NY (07/07/08)
Charged me $105.00 dollars in overdraft fees for $1.30

Can not pick up my medications. I am disabled and on medicaid, harm will come to me as a result of no scripts.

Richard of Parrish FL (07/04/08)
I have been charged overdraft banking fees to my checking account numerous times in error. The bank has acknowledged it’s mistakes but only credits me $68.00 and keep the hundreds of other dollars. My deposit dates keep getting changed, which is fraudulent which is purposely allowing the bank to make money off of me through $35 fees.

Unable to pay my mortgage, unable to buy diapers and food for my disabled boys, unable to pay for their speech, occupational and physical therapy. May lose home now that the bank has taken almost $1,000 of my money. There needs to be an investigation of this company.I made a huge mistake putting my trust and money at this financial institution.

Ricardo of Townsend MA (07/03/08)
I spoke with customer service representive about the fee they are charging me and they said they could not do anything for me due to the bankcruptsy file. Also, when I spoke with the supervisor over the phone about the problem that I was having , she said that I have to pay all the overdrawn fees no matter what the situation was.  I have been a custumer since 1992 and It seems to me that they don’t care they need to rip people off no matter what.

Angela of Goleta CA (07/03/08)
I deposited a Federal Stimulus check into the ATM between Patterson and Turnpike with the amount of $600 on Monday June 30,2008, at approximately 2:15. I did not know when the cutoff date to collect these deposit envelopes was: 1:00 p.m. which is unusual because a normal ATM usually collects at 5:00p.m.

This resulted in Bank of America to withhold my check when funds were due to go through and pretty much said when I called the 1-800 number that night, that I only had certain funds available. If I did know this, I would not have ended up making the necessary financial decisions that I needed to do, seeing as though I figured there would not be a hold on a government issued stimulus check.

This resulted in having 4 overdraft fees of $35 a piece. I believe this is ridiculous for this bank to charge fees whenever they can. I work very hard for my money and not for the bank to charge $35 for every charge at will.

Michael of Valley Village CA (07/02/08)
Both my personal checking and business checking accounts were closed without any notice or any explanation. The only contact number was provided is 1-xxxxxxx. This is NOT an active number, as noone eve3r answers it (even during their own stated business hours), and noone has returned any of my messages. I had the local branch supervisor look into this, and they could not get an answer either.

Other than the headaches of dealing with this, $5000+ of our cash (rent money) is no longer available to us. The letter stated that the funds will be sent out to me via mail. No time frame was given. Rent check and utility bill checks were bounced because of this (even though we had deposited cash into the account). This is absolutely ridiculous. One of the biggest banks in the county is run like a scam!

Prasad of Lenexa KS (07/01/08)
They assess fees in the form of overdraft and my family has been victimized enough, to say in these days of economic uncertainty.

For inquiring to waive the excess fees (couple of thousand dollars), we were asked to close the account and eventually we did. We feel this Bank and several others like BOA neither has conscience, corporate responsibility and least any compassion.

Alex of Framingham MA (06/30/08)
Monday, June 30, 2008 Bank Of America So here’s where the frustration begins. I have a family, Two Kids wife dog house etc… The children are of a age where mom stays home to take care of them and we have a limited income. We had a previous account at citicenz bank and just never got around to closing it. Apparently this account was over-withdrawn by a about $1.20 and reported to Chex Systems where Bank Of America took this information from the banking reporting company and froze our account. Under normal circumstances, this wouldn’t be a problem. we found out about this at Friday 8pm EST. The office that froze the account is open mon-fri 8-4. Fine, we will go the weekend without access to cash, Kids dont need food or diapers right?

Monday morning comes, I call BOA at 8:15 to resolve the issue. I was on hold until 9:45 until I hung up the phone and decided to go to the bank in person. I went to the bank where they in turn actually called the same number that I did and said I had to call Chexsystems to resolve the issue. I used the phone at the bank and called chexsystems. They told me i had to file a request for the report and it would take 5-7 business days for the report to come through the mail. I STILL HAVE NO MONEY… and the account balance is about $4500.00

So at this point the only thing i could think of is that Citicenz bank had somthing to do with this, because i still have NO information from Bank of america. Did I mention that my paycheck was directly deposited into the bank this morning. Insisting that bank of america release my funds, and they didn’t. Finally I came home and called bank of america. They at least told me that the report was from Citicenz bank and a check from BOA will be mailed to us on the 15th of july. GREAT- So how do I go about my daily life until the 15th?

have no access to money for food, gas, diapers, bills and paying my mortgage on time

Holly of Half Moon Bay CA (06/29/08)
i was wrongly overdrafted four (4) times through this bank. first overdraft i received was for a savings account i requested to have closed & it said on my online statement 6/26/08 insufficient funds in savings, then to be changed to overdraft item fee in which they pulled up a charge to make it seem as if i actually overdrafted & changed the date on that charge that i payed for it.

i’m fairly certain that no matter how long it is in the pending process they cannot change the date it was made on. the last three were just outrageous & they pulled up charges the same way. i will be stopping into the bank to show them proof that i placed those charges on different days in hopes to get my money back.

i lost $185.00 through their shady dealings, & subsequently cannot pay for my medications for a herniated disc in my back & for general needs. i make minimum wage, work three days a week, & they are robbing me of all my money.

Derrick of Atlanta, GA (06/27/08)
I had 10 overdraft charges in 3 days. Everytime I talked to a cust. serv. rep. I would get a different story. If one was to look at my bank statement you could clearly see there were some errors made because my deposits were not showing up and the only thing that was showing was my card transactions as if were done purposely so I would get charged.

I also had a situation where made a cash deposit at the atm and the atm malfunctioned. I called customer service and they made a credit to my account and after the so called investigation they took the money back. I made several attempt to make my case but I constantly got the run around. I asked for security video to show that I made the deposit but no one wanted to help. Basically they were saying it was just my lost..too bad.

Christopher of Collegeville, PA (06/27/08)
With now two separate credit cards (accounts) on consecutive occasions, Bank of America has sent out the statements so that by the time that I receive the statement I have a week to get it back to them or pay interest. This is clearly an attempt by Bank of America to: 1 - Charge interest to people who pay their balances on time, every time. 2 - Move their customers to pay immediately via electronic payment or 3 - Move their customers from credit to debit cards.

In any respect, I find this practice unconscionable and outside the bounds of the credit card agreement executed between the consumer and Bank of America. I am put in position to pay usury interest rates on a credit card on which I pay the entire balance via US mail within 24 hours of my receipt of their statement.

Edward of Youngstown NY (06/21/08)
I feel that it’s one of the worst banks you could possibly do business with. I’ve been a customer with them for 5 years, and they recently charged me over $700 in overdraft fees in one day. Apparently I had pending transactions that went though which over-drafted my account. On the day this happened, I was using my debit card all day in the subway ($2 a pop) with no knowledge I was over-drafted, and they were letting the transactions go through. They charged ($35) every time I used the card, which at the end of the day, for about 40$ in transactions, they charged me over $700 in overdraft fees.

I had plenty of money in my savings account and credit card to cover the overdrafts, but they made no effort to cover me, or alert me that I was over-drafting. When I called to ask about at least getting some of it refunded, they treated me like sh*t and said there was nothing they could do. Now, $700 isn’t a crazy amount of money, but the fact of the matter is, they’re scam artists. What other company do you know of that is allowed to charge roughly 170.5% interest on borrowing money ($700 they charged % $40 I borrowed.) There are laws against this kind of thing, but apparently there is no law governing how much a bank can charge in overdraft fees.

I feel as though there should be more laws written on banking practices. I take the blame for not balancing my checkbook as well as I should have, but I’m outraged at the penalties banks charge people for this, it’s a legal form of robbery. It seems all I can do now is spread the word!

Wasn’t able to pay half my rent this month, had to borrow money, at interest, putting me further in the red.

Amber of San Diego CA (06/20/08)
They placed a 2 week hold on a payroll check that I deposited by ATM. I have direct deposit, from the same company, that goes into my account every other week. This specific check was a bonus and without mentioning the hold by email or mail or phone, the bank placed a hold from 6/16/08-7/2/2008. I thought that I had money, and used my debit card for $1.61 coffee’s and $2.00 parking fees.

In addition, I have written checks and made payments online and almost everything has been returned or will be returned. I have tried to contact the bank by phone and email, no one is willing to explain why this has happened. To make matters worse, the fees they are charging me are $35.00 each, plus all the fees that the merchants have/are going to charge me.

I already have over $460 in fees now! I am a single parent and I live in a very expensive region of CA, I’m not even going to have gas to get to work or have food to eat. I am afraid that when I get paid on 6/27, they will eat up my entire pay check in fees!

Matthew of Hamburg NY (06/19/08)
I have over draft protection on my checking account at their bank. How it works is when i overdraft it automatically charges my credit card $100 and it deposits into my checking so i never go negative. I went on vacation at the end of march to early april and I was using my debit card with no problem and no worries. I get back from vacation and deposit a $300 check into my account and I see that my account was $650 negative. This was a sunday night I had to get back to school that night.

So the following weekend i went to the bank on a saturday, and spoke with Ed. He said yeah i don’t know why you were charged, he called the main office and the person on the phone said I shouldn’t of been charged either. Ed said i was going to get my money back and he would give me a call on monday. Ed never gave me a call. I went back into the back a couple of weeks later. The women I spoke with wouldn’t even talk to me she said Ed would give me a call he never did again. I went to a different location to talk with a different representative. She could not give me any answers either and said she would call me. She never called me either.

I went back to Ed. He said I payed a credit card payment late and that automatically unlinks the overdraft protection. I was never told that I didn’t have protection anymore. I was never asked if I wanted to relink it after I payed. After my vacation I was left to live on my credit card. I had $350 in my savings and they took the money out of my savings and put it in my checking to pay off the balance with out me knowing it. This bank is wrong and cost me a lot of money and debt. Also if my account was over drawn why would it let me keep using it to rack up $650 that should not be allowed especially if i was unaware.

I have had to live on my credit card while away at school. I lost $650 dollars, and suffered extreme embarrasment.

Christine of East Bernstadt KY (06/19/08)
i had a bofa checking account my daughter stole some of my checks and preceeded to write out and cash them i paid off the checks as they came in i cntacted bofa and told them and ask them to close out the account from nov of 07 and up through april of 2008 they would still allowing hte checks to come thru so they could charge overdrafts fees, and they didnt close out the account till 01/08

they now have me in same claims court for overdrafts fees in the amount of 1945.03 even tho i had called them over and over and ask them why they were charging me overdrafts fees on stolen checks and why they were allowing those checks to run thru 3,4, and 5 times each. every csr i talked to could not give me a reason why all they would ever say it is your account and you are liable for it even tho i had ask months beofre to have it closed out and reported the checks as stolen, they would not and had not recorded the checking account as stolen

now i will have to pay all those charges plus maybe criminal charges due to their neglengence

Jennifer of Salt Lake City UT (06/19/08)
I recently moved to Salt Lake City, UT where Bank of America does not have a physical bank location. Since my checks get direct deposited anyway, I chose to keep my BoA account open but for the few occasions I have a paper deposit, I have to mail it in. I fedexed a deposit and waited for it to show up in my account. It showed up as pending and I used my debit card. However, the still showed as pending the next day but my charges cleared.

Since I made the assumption the pending deposit would clear, I won’t beef about it being held longer. HOWEVER, even without the deposit, I still had $47 + change in my account. My debit card charges were $29 + change and $20 + change respectively. Only ONE of those charges would have caused an overdraft but they charged me $70 in OD fees for both?

The CSR told me that they sent out an account update in December stating the change in the fees policy. Now they will charge fees for all debits they process the same day if the account goes into the negative. I asked the CRS you mean, even if one of the charges doesn’t cause the account to go negative, I get a fee because both charges were processed the same day? She said yes. HUH?

Fees!!! FEES!!!!!

Cindy of South Plainfield NJ (06/17/08)
We have been a long time commercial customer of Bank Of America. We utilize our debit/checkcard to provide payment to our vendors daily for work that they do for us. There can be as many as 20 transactions in a day authorized by our vendors to our card. During the day and evening the transaction will be sitting as ‘pending’ in the online bank statement we can review. Often Bank Of America will allow the bank account balance to go into the red for pending transactions. Normally we will transfer funds to cover these pending which automatically removes them from the red or negative status prior to posting with a date.

Occasionally, during the month we may miss doing this by 12 midnight and a pending goes to posted with a date. This would show up as a ‘red’ negative to the account in the dated transaction section. We are in agreement with the bank that once the pending goes to a dated red negative it is an overdraft. In the month of May, on one day, 10 of these pendings went to red negative dated. Therefore we expected a $350.00 overdraft fee for this error, as has happened in the past. We agree it was an oversite. We have never been charged overdraft fees for pending items that did not move to the section with a date. As long as we cover the pending before they moved to an item with a date we were fine. For two years we worked under this premise and were charge minor monthly fees for a small amount of overdrafts that slipt by.

Today we were debited $3300.00 in overdraft fees which were ACHed out of our operating account without notification prior. Of course it put our account in the negative which we had to cover to avoid problems. Our Accouting/Office Manager reviewed the transaction in May and could only locate the 10 overdraft items we anticipated on the statement. All other pending items that appeared negative were covered before the posted with a date. Bank Of America is now claiming that they consider there to be 90 overdraft items for the month! Although we only see 10.

We spoke with our bank assistant Shasha out of Point Pleasant, NJ. She indicated that she could prove 90 overdrafts and would fax over verification immediately. She has not done so as of yet. We tried to explain to her that we have not changed the way we cover our pending transactions and that we only saw 10 overdrafts. She rudely insisted we were wrong, and that their banking practices and rules had not recently changed, although it appears that they are now charging us $35.00 for ‘pending’ transaction that go in the red even if we cover them before they date.

We have just been charged 10 times the normal fee we would expect. We are at a loss as to how to handle this situation. We feel that Bank Of America played it underhanded by changing the overdraft rules mid-year to get funds and fees from our account on transactions we never were charged on for two years. Just when we feel that we have learned the rules of Bank Of America they change them to invoke more fees.

Our corporation lost over $3000 in revenue because of Bank Of America’s trickery, and stand to lose another $3000 next month because we no longer have a handle on their rules and the games they play. If they can not prove 90 valid overdraft transactions according to the rules we have abided by for over two years, I am considering contacting my corporate attorney.

Mauva of Paterson NJ (06/17/08)
pulled $564.05 from my checking account and can not explain why they pulled that money . I closed the account.

I recieve a letter from collection agency for $218.40 for fees associated with not using the account and having a negative balance from the time they pulled the money from my account.

Cynthia of Hernando FL (06/12/08)
I reported a check fraud on my checking account on Jun 10. The bank helped with getting my money back and said that if I would like to put a security hold on my account then I can call back and do this. I did call back and asked that they do the security hold, they put the hold on my debit card. 2 days later the same check fraud came through taking more money from my account, and caused anover draft.

I called the bank but they said they would not help me becasuse I did not put the security hold on the account. I explained to them that I did put the hold on there, but the guy from there bank put it on my debit card instead of my checking account. They said that they would NOT help me, and I would have to pay the fraud check and 3 35.00 fess that they were putting on my account for the over drafts. I did what they told me. The guy at their bank screwed up and now I have to pay the price.

I now have to pay the fraud people and the bank their fees.

Wayne of Conroe TX (06/12/08)
Four overdraft fees that should not have occurred. Our register and the on-line statement provided by BofA agreed. However; the statement that BofA uses (that we, the customer do not see as verified during a telephone conversation on Feb 13th) did not agree. Basically, BofA said we made a $44.33 mistake. When asked to show us the mistake they (Ms. Carpenter a supervisor at BofA) could not show the mistake. I told her I disputed the fees and wanted a refund. She said no, it was our mistake but could not or would not prove it to us.

This has happened several times. I want everyone to know two things. 1. The on-line statement is not trustworthy unless it benefits BofA. 2. If this happens to you PLEASE FILE A COMPLAINT WITH THE OCC!(Office of the Comptroller) When I asked the BofA rep where I could file a complaint she suggested the in-house BofA complaint procedure and the BBB! When I asked her about the OCC she said she haad never heard of them!

I am diabetic. As a result of this creative manipulation of our account I was unable to get my perscription filled so I am out of medicine tonight, tomorrow and well, until we get enough money to cover these incorrect overdraft fees and I am unable to purchase any groceries. I informed the BofA supervisor (Ms. Carpenter) of this but she didn’t care.

Owen of Saratoga Springs NY (06/11/08)
Bank of America set up a fee system that’s just dirty. Used to be when your balance was at zero you’d be denied. I assumed that was the case. I moved my savings out of checkings and overdrew on my account. They charged me 25 to 35 per debit that i charged after I hit zero. It came out to about 300 dollars. 25 dollar fee every time i put a coffee on my debit on the way to work. It’s criminal.

over 800 worth of fees. Yes they were my mistakes.

Geoffrey of Melrose Park IL (06/07/08)
I had a cashier’s check to cash that i was weary about and explained this to the staff when i arrived. I asked them how long it takes for one to clear and they told me that is takes two days tops and i got the check cashed and waited. I waited the two day they told me and went back to the same bank to make sure that the check had cleared. I specifically informed management again that i was unsure and that was the reason i was checking.

They told me in these exact words that there was no hold on my account and that the check was good and it cleared. Still insistent there could be a problem later i held onto the money for another two to three weeks to make sure that everything was fine. Figuring it was a cashier’s check it should be almost fool proof, waiting the two days they told me, going back to make sure there was no hold, and still waiting three weeks before i touched the money; i figured that it was okay to disperse it like i had planned.

Then a little over a week later, June 6th, i my statement makes me aware that the money was charged back to me stating that they were not able to collect on it. After explaining the case again to bank manager they are claiming they have no responsibility for the other bank sending the check back late, because they are suppose to send back with in two weeks if it is no good, and then telling me they don’t know why they could not get payment. I don’t see how a large branch like bank of america cannot tell me within three weeks that a cashier’s check for 3,950 is no good.

I am upset that the bank claims no responsibilty even after i took every precaution to make sure this would not come back to me. I am appauled that after i explained my suspician they didn’t tell me to wait at least a month to be sure. I felt that they didn’t bother listening to me and are so quick to say that they are not responsible. I told them from the get go that i do not have the funds to back up this check and that is why i am checking to make sure it has cleared. They actually thanked me for coming in to take that extra step and i again told them this has to be clear and that they are certain. Two associates, one being a manager checked and promised me that it was fine. And now they are charging me back this money and are not trying to pursue the bank that authorized the check.

This has created the biggest strain ever on both my family and my relationships. THey are refusing to temporarily freeze my account and waive any overdraft charges. This will hurt my credit because i don’t know how or when i can pay this back even though i feel it is mistake on the bank’s part that lead us here, and it is the bank’s because of the promised i received amd the precautions i took. I just bought i ring for my girlfriend hours before i found this out and what should be one of the happiest days in my life has turned into one of despair and hardship. This problem with the bank has caused me severe depression and anxiety and i feel that life can not be good or the same for a very long time without some serious help

Dean of Seaside CA (06/07/08)
BofA closed my business account to further charges based on information we obtained from your account, as well as from information reported by a major credit reporting agency. I was not, and am not, in default on the account, or on any credit card account I have. Due to a late payment, perhaps two, over a period of two years or so, my interest rate at the time they closed off further charges was 19.24 on purchases and 23.24 on cash advances. Kind of high, but I have other credit, and I decided just to pay the monthly bills and not complain, which I have done, regularly, on time.

Yesterday, I received an amendment notice stating they’re raising my interest rate to 27.99 — not based on anything related to the closed account but again on information in the credit reporting agencies files. According to the BofA representative I talked to on the telephone just now, the increase is because they have determined I’m a risk. (My credit score does not bear this out.) I can’t close the account to stop the increase (it’s already closed). Apparently, they can do whatever they please, including charging me another $30 or so interest per month, just because they feel like it.

Deborah of Danville, CA (06/06/08)
I have an overdraft account with a balance I want to pay down. I asked how I can apply the payment to the highest interest rate amount. I was told this is not possible, they have no ability to apply to the highest interest amount outstanding. I

find this questionable. Can someone let me know if this is legally possible?

Ethan of Houston TX (06/05/08)
After years of suspicion that BOA was ripping my wife and I off, the last straw has landed. On March 24, 2008 my wife and i purchased a trip package to cancun. The airline tickets were charged seperatley from the hotel package through Expedia. The next morning while checking my accounts i noticed that i had been charged for 4 tickets. Not 2 tickets as actually selected. Under further investigation we noticed that there were actually 2 sets of transaction #’s. one for my ticket and one for my wifes ticket, then the exact charges including Transaction # were Duplicated.

On top of that we were slammed with 150.00 worth of overcharge fees because that action as well as other banking actions had sent my account spiraling into the negatives. after some phone calls with some not so willing staff, we were givin a credit to make up everything. then 3 weeks later the amount of one of the tickets was STOLEN from my account by Bank of America. This being a holiday weekend of course we recieved a letter saying that the airline had declined any wrong doing. with little time and a hot head attempted to contact bank of america and like so many other people encountered BOA staff that was rude and discourtious.

this is know in the third month of this So Called investigation. I have since closed all my accounts except the one under contention. BUT i Will NOT GO AWAY. I work hard for my money and i am not going to let some bank who thinks that they are above the law. this is my money and they made a mistake and know they dont want to play by the rules and give me my money back. this has gone past the point of being reconciled. I want to be compensated for my troubles.

Lisa of Las Vegas NV (06/04/08)
i had purchased a money order from money gram that had been stolen and wrongfully cashed by b o a. the money order has sent 2 demand letters to b o a and they have yet to respond. i would like to know why and when they will get this taken vare of.

i am still fighting eviction from my apartment complex becouse this was my jan rent. someone was arrested and will be sentenced for this crime this month. i would just like to get this money back so i can resolve this situation.

Lisa of Ormond Beach, FL (06/04/08)
On May 20th, I checked my account online and had a balance of $8.54. I had my husband deposit $100 at 8:32am and another $351.36 at 10:16am. My husband asked the teller to cash and deposit the checks. This is documented on his deposit slips, which we have a copy of. The teller did not cash and deposit them, but simply deposited them, therefore BOA put a hold on the deposits until 5/22.

When I checked our account that evening online at 5:02pm, we were negative $118 dollars because they posted five pending transactions from 5/19 AFTER our deposit.

We called and talked to customer service at 5:10pm and she said that it was the tellers mistake because she did not cash and then deposit our checks as we specified. She said that there were not any overdraft fees and that we could go in the next morning to the bank and they would fix the problem. She recorded this in her notes. I checked the account a final time at 6:47pm and we were now negative $293!! They charged us $175 in overdraft fees after we had deposited $450 that morning!

The bank manager would not help us and continued to place the blame on us and not the teller! They also insulted me by claiming that I was not one of their premier customers so they would not refund me the fees! I have deposited over $40,000 with them since January! Just what does it take to be a premier customer!?

Kenneth of Ontario, CA (06/03/08)
I travel all over the world and do not like to carry large amounts of cash but prefer to use my ATM card in the country I visit. I notify B of A before leaving to let them know that I’ll be traveling to other countries and using my card so I don’t have an issue. I went to China this week and used my ATM card with no problem.

I tried to use my ATM card again and found that it was blocked. I sent emails to B of A customer service and they told me the only way to unblock the card was to call a phone number in Atlanta. I told them that I had no phone and could not call.  After 5 more emails, they still gave me the standard answer that I had to call to have it unblocked. Not sure why since I had to use a password, answer a secret question, and then confirm a site key before even sending an email. What’s the point.

Needless to say their customer service rep’s, all in India, did nothing but say they can sympathize with me. Not sure how since they were not stranded in China.

Sue of San Francisco CA (05/31/08)
We became 3 months behind on our business loan with BofA. We have been customers of BofA since 1987. Without a warning they ZERO’ed out our checking account $ 5978.21–wiped us out. We had been struggling to keep up with payments and also had a debt consolidating firm assisting us. This was devastating, financially. It was immpossible to get someone one the phone(in our panic) and then were told debt offset. We feel this was an unauthorized debit–STOLEN FROM US–with no one would reverse. (we would have paid the 3 month back debt…)This completely broke our trust in this firm.

All our monthly automatic withdrawals bounced–adding further to our economic hardship–rent payment was not there, as well as the monthly allowances for food, gas, transportation, medications, etc.

Courtney of Riverside CA (05/31/08)
I borrowed 15,000.00 in a school loan from a reputable bank (NOT Bank of America) and it was addressed to myself and my grandfather (co-signer). As I have been depositing large amounts for the last few years as my school loan checks come in I did not worry about depositing my 15,000.00 check into the ATM. This was a big mistake! Because this particular check was addressed to myself AND my grandfather they said they could not accept it. However, this was after they put the full 15,000.00 into my account which I saw through my online banking webpage the day following the deposit and I started writing checks to pay tuition, rent, etc. This amount was not in the pending section it was in my account, all 15,000.00.

Therefore, I wrote all these checks and was using my debit card only to find out a week later that had pulled the whole 15,000.00 check out and began docking me 25.00 overdraft fees and then 35.00 overdraft fees, and then 35.00 NSF fees for all my checks that began to bounce. In the mean time I had just closed my campus mailbox where BofA was sending all my banking mail (and lots of other things were being sent there also) and was in the process of updating my address with all of these companies. So when BofA went to return the check, they sent it to my closed campus mailbox thus leaving me with no choice but to wait for my check to make its way back through the post office so I could add my grandfather’s name to my account and get that check deposited back into my account.

Okay, what my problem with BofA is: They put the whole 15,000.00 into my account leading me to believe that I was safe to write checks and pay my bills with my student loan check and then later that day they took the full amoutn out without notifying me directly. If they discover that one or more of the payees of a check isn’t on the account after they have deposited the check in full amount into your account, they need to notify you directly not through snail mail which in my case got sent to a closed campus box leading me to accrue unnecessary bank fees.

To date, BofA has charged me 511.00 in both overdraft fees and NSF check refund fees. I spoke with Charles Lee at the Alta Loma brach where I originally opened my account four years ago and he assured me these fees would be taken off. He gave me a card with a Customer Solutions Center’s phone number on it and told me to call and they would take care of the fees. He even said he put a note into the system about me calling. However, upon calling today the Customer Solutions representative I spoke to refused to refund the fees and when I asked to speak to his manager he would not let me stating, This is the highest your call can be escalted to. I have since tried to contact Mr. Lee but surprise, surprise the number he gave me to reach him is out of service.

Because of Bank of America’s hugely unfriendly staff, unhelpful customer service representatives, and poor communication with me I have had to go 2 whole weeks without any money, use 511.00 of my school loan money to pay BofA fees, wait two weeks for the check they sent to my closed campus box to make its way back to me when I would have come to the branch to pick it up had they called me (you know, it being such a large amount), I had my school threaten to kick me from my summer school courses because the check I had originally wrote them after double checking that the money was in my account bounced, and my reputation is ruined with them. In addition, my grandfather has had to take off of work just to come to the bank with me to put his name on my account and because they treated me with such little respect I had to bring an older man just to get them to give me any real answers. Answers that in the end, got me nowhere.

Paul of Lombarrd IL (05/30/08)
These guys charged me four hundred and fifty-eight dollars in overdraft fees. I thought I had 1.50 in the bank when I made a two hundred dollar deposit. Essentially, what did happen, was I was charged overdraft fees on transactions in my account when those same transactions showed up in the black on online banking after making a two hundred dollar deposit a week before the two hundred dollar deposit already referenced above. Given that I can count to two hundred and I thought I had two hundred in my account I spent it, unaware that I had three fees charged to earlier overdrafts that originally showed up in the black on my account the previous day. My spending two hundred, while I actually had 95.00 dollars after they charged the fees, I ended up with more overdrafts. I got some action after complaining relentlessly.

Iif I continue to bank at BOA, I am self diagonosing me as officially out of my mind. Therefore I’m closing my account today.

Anthony of Cliffside Park NJ (05/30/08)
I have a joint CITI credit card with my aunt. Citi sends me checks to do with what I want. The credit limit is $28,000+ with a cash advance limit of $15,000. This account has been perfect for 4 years. As I needed funds I would deposit these checks from a stub pad. The stub had the date of expiration but not the check. One time I realized I deposited a check with the expiration expired. Citi cashed it and said I had this opportunity till the end of 2008. When I received the next batch of checks I was going to make a deposit so I removed the check from the dated stub. But I didn’t use it then. A couple of weeks later I needed funds and used the check I had removed from the stub pad. I deposited the check and the next day withdrew the funds. Unnotified to either me or the primary cosigner Citi refused the outdated check. Now my record will indicate I have done this numerous times before and almost always withdrew the funds the next day. It’s common sense, when your take advances you need the money so why is it fraud to remove it right away.

So BofA closed my account but oddly accepted a wire transfer from the same institution that previously denied to cash my check. Now BofA has me on chex systems and is in possession of my $600 wire @ over 20% interest since May 9 2008 and I have no access to funds I must repay at a high interest rate.Now I receive a statement from BofA that I got debitted $35 for a bounced check and $60 for account review. BofA asked me to confirm by notary that my cosigner of the Citicard knew of my transactions. My aunt did so immediately and verified that I have full authorithy to do as I wish. This was faxed with receipt on May 9 2008. After countless follow ups all I get is rude hangups or it’s under review. What is to review. I proved it’s no fraud and have a history of these transactions. All this happened because I mistakenly depostited an advance check that was expired and these checks have no expiration date only the stub does.

Now I am barred from opening amy account because BofA reported fraud to chexsystems. My cosigner who by notary confirmed she was aware and consented to my transactions was rudely hungup on by the agency that requested proof that no fraud was committed. Without a checking account I now must use money orders at a cost to me and not have access to direct deposit of my income pay. I don’t blame suspicion by BofA but I have given them all they asked for to clear my name. Why didn’t BofA contact me via my cell they have my number. Why wasn’t my cosigner contacted via Citi?

Cost of money orders, delayed access to biweekly pay because of no account for direct depsoit. Loss of $100 for opening chase account with direct deposit due to chexsystems. Telephone correspondance waiting on hold for countless minutes while being rudely hungup on. The cost of my wire advance of $600 since 5/09/2008 without access and the cost of $60 review. My gas to go to differebt branches of BofA and time off from work. My emotionly state has caused depression, my erratic behavior by missing work almost to lose my job. My nerves have tensed everytime I see a BofA ad or branch. I have lost hours of sleep trying to figure out how to resolve my conviction and sentence by BofA without a trial.

Jo of Montague CA (05/28/08)
My son and I have a checking account together, we opened it in 2004, we also had a truck loan with this bank which we recently paid off in the amount of $8,000.00 Know that this is a small town maybe 8,000 people my son was born and raised her we have lived here for 30 years everyoine know who we are and that we are not going anywhere and that we are hard workers and pay our bills..so..we deposited a $2,800.00 by ATM on a Sun. afternoon a receipt came out and told us the balance in our account was 3,400.00 we then withdrew $100 cash a receipt came out and told us we now had $3300.00

two days later we paid some bills eleven all told those checks were returned NSF, not sufficent funds, why we asked the banker oh he said a hold had been placed on that check why we asked the banker, well he said you have been overdrawn several times..why weren’t we notified we asked well he said when you opened the account, 4 years ago, they told you banking policies, I don’t think so and where is the customer relations pick up the phone NSF was a lie the money was in the bank

the bank charged our account $385.00 in NSF and every check that was returned that business charged $30.00 another $300.00 and now our reputation is skeptical

Kimberly of Midlothian VA (05/28/08)
I was charged 5 overdraft fees of $35 each on 5/19/08. My account was overdrawn by $6.81 by their own records on that date. The way they stacked the charges, the last two of $15 & $4 overdrew the account by the $6.81. I have not disputed the $70 in fees. However, many customer service reps and a phone supervisor later, we are still going around and around over 3 charges which left the account still at a positive balance. They claim that another automated charge caused it - but yet that charge went in 2 days later- causing it’s own fees. How can I be charged 3 x $35 for charges they show leaving a positive account?

$105 extra in overdraft fees.

Georgetta of Dalzell SC (05/26/08)
I am complaining about the way that Bank of America’s (BOA)accounting practices. I have a fixed income that is a direct deposit to BOA monthly. When my balance gets low, they will rearrange the incoming transactions and place the larger ones in from so that my account will go into the negative. Then they do not pay the check but at first glance make it look as though the check is being paid. When you go to view the screen again the transactions have been completely rearranged and your balances are different again. This is a way for them the rack up on a lot of extra fees.

They also will hold transactions and not post them until your balance is low and you wonder where the transaction came from. Sometimes the transaction is over three weeks old. I want nothing to do with their banking system and I am in the process of changing to another bank.

As a result when I get my monthly income I am not able to pay my bills because they have taken it all. My mortgage and utilities are in jeopardy because of this. It is not fair!