More Bank of America Complaints 2008 – 5

Frank of Lehigh Acres FL (04/15/08)
Funds were withdrawn from account and I made several payments from this account to my car note and other bills. I will be charged because the funds will be removed

I want funds redeposited back to my account so that my car note payment and other bills come back. I was never notified about Bank of America making this transaction

Alma of Venice CA (04/14/08)
I recieve SSI (direct deposit) and they are giving me different reasons why my money is gone. Im too broke to hire an ATTY. and they are trying to convince me that the treasury department sent me a bounced check back in january …HMMMMM! PLEASE HELP ME!

IM BROKE AND THEY STILL WANT TO CHARGE ME!

Monica of Lynwood WA (04/10/08)
My balance was low in my checking account so I transferred money from my savings to my checking to over my debts. The next money I saw my account OD. They transfer I did the night before (I did online at 10pm) did not post. When I called customer service about it, they would not help me. They only told me my account was on hold until 2pm and I would not be able to use my account until then. EVEN THOUGHT I HAVE MONEY IN MY ACCOUNT AND TRANSFERRED THE MONEY FROM THE DAY BEFORE. I also got charged $35 per item that cleared.

Thanks a lot for taking my money Bank of America!

Josh of Dallas OR (04/10/08)
A few years back I had opened an account with B of A. I also took out an auto loan with them. After a nasty divorce I went into ruin and my vehicle was repod and my accounts closed. I had UNKNOWINGLY overdrawn my account by $ .84 cents. They then out my information into a system that resulted in me not being able to open a bank account anywhere. I had no choice but to return to bank of america to open another account. At that time i was in the process of paying off all of my debts and had already payed off a $4,000 dollar credit card bill through them. The last thing i had was the remainder of the repo, after contacting them to set up some kind of payment plan, they were VERY eager not to help and it almost seemed like they were enjoying being diffuclt.

After some harsh words from their end i decided to try another day and work with another rep. They had other plans…. I had multiple savings accounts with them. I had one set up for the lawyer bills i have in my custody case that is still going on. To make a long story short, they zeroed out that account to put toward the repo account. I am now left with almost nothing and lawyer fees that i am unable to pay. I pray that I do not lose custody of my son over this.

Alissa of New Haven CT (04/10/08)
I recently saw a $25 dollar charge on my regular checking account that I have had for 3 years. I never had this charge before. It stated Advantage Monthly Maintenance Fee. I looked it up and it is associated with the Advantage Checking account, which I do not have nor did I sign up for. I called BOA and inquired about it, they said I must carry a balance of $25,000 to avoid the fee. What? I don’t have that kind of money!!

Apparently they decided to enroll me in the Advantage account without my permission. I was told I was enrolled because I carry high balances and I have a mortgage I have never owned a home! When I tried to cancel the rep told me that I could no longer receive free checks. Oh, like free checks is worth the $25 per month you are going to charge me? Thats $300 a year! Glad they were able to refund and disenroll me. Still, this is illegal!

Madlyn of Duluth GA (04/09/08)
I’ve had my payroll check from Verizon Business deposited into my checking account with BOA for 3+ years now. I made an adjustment in my auto deposit, which resulted in me getting a live check, rather than having it deposited. When I took the check to the bank, they held the check for a week, causing several of my auto ACH’s to be charged a 35.00 NSF for each. When I contacted them about this, they suggested I get overdraft protection.

They were holding my paycheck hostage, and charging me 35.00 a pop for the pleasure of doing so!

My complaint is the lack of customer service, for a loyal customer, of over 10 years. Their pre-packaged auto responses are insulting and their lack of individual consideration based on a case by case basis, is ridiculous!

Mike of Fort Lauderdale, FL (04/07/08)
Bank of america charged me the amount of $35.00 eight different times in a two week period for being overdrawn. They did not care that it was the same company(l.a fitness) over and over trying trying to do a direct withdrawl.I called a few supervisors and they almost sounded excited to not help me out.

Melody of Carriere MS (04/07/08)
I wrote a B/A check to pay a pool installer. the work was really bad and the job was not completed. I telephoned Bank of America to stop payment of the check and was advised on several days the check had been stopped and I did not have to worry. Well guess what the check was paid.

I had to pay the $2000.00 plus interest to save my credit. I did close the account.

Candy of Placerville CA (04/01/08)
I have unauthorized withdrawals from my checking account of $25.90 from AOL and Bank of America refuses to get involved because I did not report it within 60 days. These charges caused my account to become overdrawn and they are charging me $200 in overdraft fees. In addition, I asked they close my account and that I would make monthly payments to them to clear up the debt and they responded we cannot close the account until the debt is paid. This means they will continue to pay AOL (who is not authorized to withdraw funds from my account) and charge me the overdraft fee. Furthermore, they will continue to charge me the $5.00 service fee each month. I explained to them I have not worked in over a year and the best I can do is make a small monthly payment to satisfy the charges and they will not accept that. So my account remains open and charges keep building because they refuse to close it. What type of business are they running?

Their refusal to close my account is costing me overdraft charges on unauthorized transactions and they continue to charge me $5 a month for a service fee when I have not used the account in over 3 months.

Lawrence of Kansas City, MO (03/27/08)
B of A held deposited funds for six weeks, well after the sending bank cleared the check, before allowing funds to be available in a small business checking account. Thereby, B of A could claim overdraft fees on funds they extended to pay claimed overdrafts; such credit extended without my written permission.

When notified no permission was granted, the bank should have closed the account but instead continued the overdrafting. All this occurred while there were sufficient funds in a linked savings account to prevent overdrafts.

The bank claimed no access to said funds when this was pointed out, claimed they had no signature from me. Then they started withdrawing funds to pay the bounced checks.

Six weeks later, the last deposit made and cleared from the sending bank has not been made available to my account.

I do not believe this to be harmless error.

Christian of West Hollywood, CA (03/27/08)
I unfortunately was involved in an internet scam that was quite elaborate. I received a check that was deposited in a newly opened account separate from my regular account. A couple days after the check was deposited, the full amount of the check was available to be withdrawn, which to most people means a check has cleared.

I didn’t have my new card so I had to transfer funds to another account. Bank of America decided the check was phony, pulled it and canceled the account. Then they recouped the money they released from my account I transferred to. I lost $2200 on the counterfeit check.

They basically said I should read their fine print and that they can do nothing for me.

Jeannie of Sutter CA (03/22/08)
Last week, I went to Bank of America to ask for a reversal of a $12 fee. After I was refused, I withdrew $370,000 from the account. Later, it dawned on me that the Branch Manager (Yuba City,CA) allowed me to make the withdraw without showing a single piece of ID! She didn’t even ask for my social security number. All I showed her was a PHOTOCOPY of a single page of a recent bank statement. Any number of people could have had easy access to that (from my home office or garbage can).

I still hold a large account at Bank of America and am looking for reassurance that my funds are safe. If I had been anyone else other than myself last week, only part ($200,000) of those funds would have been insured. That Bank Manager put $170,000 of my funds at risk! I tried going online and calling several phone numbers to try and find out where to write a Letter of Concern to Bank of America and got nowhere. What to do?

Jose of Sunrise FL (03/18/08)
I was charged three overdraft fees for the amount of $35 each time for overdrawing my account. I made the deposit before and was charged the amounts, so my account was showing as positive. I did a transfer of one dollar to another account. Now the bank said they will charge me again 35 dollars for overdraft fee because the transfer was cleared later than the time I did the transfer. And after charging me with three overdraft fees my account was negative, and was what caused the one dollar charge to make another transaction over the limit. What looks like to be caused by the bank. A month ago I was charged an annual fee of 29 dollar that cause my account to be over the limit. The bank charged me again a 39 dollars over limit fee that was caused by them.

I have no money to eat. My budget is small and all these charges will make my life harder. It may seem small money for others, but I believe I should earn my money honestly to live. I believe such a behavior from the part of a financial institution is not fair. The charge could be avoided. First if I could have the option not to allow transactions to go through If I had no funds in my account. Second, If the over limit fee would be charged right after I was overdrawn. Now I have no money to pay for gas and no money for food because I am charged three times, not one time the overdraft fee. This would be much more fair if reduced to one fee.

Thomas of Sunnyvale CA (03/14/08)
After waiting for a period of time, Tej Randhawa of Bank Of America in Sunnyvale has wasted my time to deposit a client’s check that they stated will only take a few minutes. After waiting, Tej has decided to tell me I can cash my check elsewhere as I told him I will wait patiently as I stood in line for a period of time to get my check cashed. I need to move forward with the project; my client has signed a budget for products which now has been delayed. After speaking with my client, they were upset and I had explained to him that I cannot accept any more checks from Bank of America as they were charging $5 per check which delays every project that is assigned by my client.

As stated by the client, they are very upset and had to be apologetic for Bank of America’s actions, represented by Tej Randhawa of Bank of America. During the waiting period, the check was not verified in any way as Tej just sat there looking at me and not taking action. Definitely would overview his skills as a bank associate.

This has damaged the clients reputation due to their BofA banking affiliation. The job cannot be complete since payment was not collected or verified to cash a budgeted project.

Labarron of Jacksonville FL (03/14/08)
If you want to dispute a charge to any of your accounts that a company has made without your authorization, BofA will allow you to file a dispute. However, when I call to dispute a charge BofA made to my personal checking account, I was told there was no way to dispute the charge, let alone file a complaint. This is illegal.

Violation of Due Process.

Patricia of Brooklyn NY (03/11/08)
My complaint is on on Bank of Smerica, p.o. Box 25118, Tampa, Florida 33622. The issue is their check depositing practice. I have been a customer since 1999. Because I have had issues with Bank of America before, I stopped depositing my work check electronically to them. Last week I deposited a check from my credit union account, and on Monday I checked the status, and it was placed on hold; but when I called my credit union, which is in California, the check was cleared! I called because the money was to move into an apartment, and I was supposed to give the money to my new landlord and had a deadline to leave my present apartment.

I spoke to a rep and supervisor, and neither seem to have a solution for me but to wait until Friday! I offered to have the credit union to fax proof it was with drawn, and the rep couldn’t even figure out who to direct the credit union rep to, to send the fax to show it was taken out. The credit union couldn’t understand the hold nor the rep and supervisor’s lack of knowledge on how to help me. I would like Bank of America to tell me why would they put a hold on my check? I’ve never had a returned check with the company!

I have to move my things to storage for 2 days! And my 4-year-old and I have to go to a hotel.

Trina of Culver City, Ca CA (03/08/08)
This incident was happening around 1997. I would always deposit my husband’s paycheck every Friday (a FedEx company check) into the Westchester Branch’s ATM Machine, even though our Branch was in Culver City. Every month they seemed to lose 1 of his paychecks and not post it until about 1 month later. Oh, I would call the bank as soon as I made the deposit to check and see if they got it. They would say it’s in a misc. bank account because we did not know what account# to post it to.

I told them the acct.# is on the back of the check–how can you not know? Then they started charging us NSF’s, overdrafts, etc., and never credited our acct. Finally I left for WELLS FARGO BANK.

Melissa of Jefferson City MO (03/08/08)
I put in a PayPal transfer to my checking account on March 4, 2008. PayPal put the status as Completed at 20:29:01 PST. I wrote a check to my child’s school with PayPal showing that the trasfer was completed. Bank of America (BoA) didn’t put a hit back to PayPal until March 7, 2008 so the check that I had written to my child’s school put my account into overdraft. As of 1:35AM on March 7, 2008, the check withdrawl was still pending so I thought I was alright and that the transfer would go through BEFORE the check was deducted from my account.

BoA applied a $35 overdraft fee to my account AFTER they processed the deposit. Even though deposits are supposed to be processed BEFORE withdrawls, they still processed the check on March 7, 2008 BEFORE the deposit. Not only was the customer service people rude but one customer service representative stated to me that the overdraft fee WAS refundable and that it WAS banking error, but then when I called back asking why the overdraft fee had not been refunded yet, they informed me that it was not refundable and they were going to keep the $35 overdraft fee.

Barbara of Tujunga CA (03/05/08)
My husband and I transferred $1000 from our Bank of America in Sunland, California. The date was Nov 15, 2007. We transferred it to our account in Costa Rica, at Coopemex, San Jose, Costa Rica. Our account was billed for the $1000 and also a wire transfer fee of $45 approximately. The money was taken from our account, and it never arrived to our Costa Rica account. We discovered this when we went to Costa Rica for a vacation, and the money was not there. Additionally, when we tried to phone B of A from Costa Rica, even though we phoned toll free numbers, we were billed for the calls totaling about $50. We have attempted for weeks and weeks to resolve this, and we are getting no help from B of A. Our money was stolen.

We are being denied the funds and any interest it might have accrued. Plus we are being billed for the phone calls to try to resolve it. This is theft.

Sue of Nye County NV (02/29/08)
I deposited my husband’s check into my account at a local ATM. It is a small town, everyone knows everyone; the bank mailed it back to me stating he was not on my account, which caused 4 items to bounce, charging me $140.00. I called their customer service line. The rep there told me that the check was on hold until midnight, and that the funds would be released. But this didn’t happen.

Bank of America refused to credit me the overdraft fees, even after they admitted they were wrong.

Judy of San Francisco CA (02/29/08)
I opened a Prima Account through a branch and specifically told the staff that I have mortgage with BA, so any fees associated with Prima account would be waived. This is my 2nd Prima account, so I knew how the process would be. Unbeknown to me how incompetent the staff would be, she opened my account without notating the waived charges. Therefore, from 9/2007 to 3/2008, my account has been charged $20 monthly service charges. I called in March 2008 as soon as I saw these charges on my statement. I went to the branch and called the 800 #; the only thing they were able to do was to credit me for 3 months. I would have to be responsible for the other lost fees because I wasn’t checking my statement. I am still very fired up regarding this issue, as it was a staff problem by BA; and they should be liable for this and give me back my money!

I suffer monetary damages by these service charges, lost time and effort in attempts to try to resolve issue, but efforts were worthless.

Armando of Murrieta CA (02/25/08)
The bank cashed a stale-dated check almost 10 months old that I had credited back into my account. I did this after waiting 6 months for it to clear. When I paid my mortgage that month, my check bounced for insufficient funds, and they charged me a $35.00 fee. They claimed the check is good up to 7 years if presented. I used to work in banking, and I know it does not cost them $35.00 in expenses to handle an overdrawn account.

I had to scramble to cover the difference in the account as well as fees and to make sure no other checks hit the bank before the fees were covered, or they would return them and charge me an additional $35.00 each.

Kathie of Greenfield MA (02/25/08)
Today I received an email from Bank of America saying they put my balance to below zero and are going to take my direct deposit check on Friday. I simply deposited a check I received from the State Treasurer’s office, and they made it available. Then 5 days later they said they returned it to the Treasury. I need help a.s.a.p.

So far they are charging me $95 for overdraft charges. I also have direct deposit going to this account which they say they will take. I also have direct payments coming out of this account. This has caused me to be sick all weekend with this unending mess up. Please help.

Rob of Towaco, NJ (02/22/08)
There is no way I signed up for Credit Protection Plus. After digging further, Bank of America uses a third party company called CIC which administers the plan. I was charged two big fees before realizing they fraudulantly enrolled me in the plan and the last charge pushed me over my credit limit which alerted the credit bureaus that I am over the limit.

I’m currently fighting with Bank of America to get back the fees charged and get them to straighten out the over the limit notification to the credit bureaus.

Autumn of Homosassa FL (02/19/08)
I was signed up for an Insurance Plan to which I never agreed; when I tried to cancel, they said it was taken care of. I was busy moving to a new area, and I wasn’t aware the entire time that the Fee for the plan I never wanted was causing me to become overdrawn. Their own overdraft fees were further causing me to become overdrawn even more so; they kept multiplying until it got to $711+.

I lost money out of my account. I lost months’ worth of Fees for a plan I never ordered. It ruined my credit.

Chrystal of San Francisco CA (02/16/08)
On 01/16/08 a $3,100.00 check from a State Farm Insurance settlement was deposited on a regular BofA ATM machine. A week later I called BofA customer service 800 number to ask about it, only to find out that the check was never cashed because it was issued under my name as well as my boyfriend’s name. I asked the banker to send me the original check to my current address.

It has been more than ONE MONTH after I initially tried to deposit the check. Bank of America loses my check. I ask BofA to send me a copy of the check, and I receive something totally worthless. I was then misled to believe that I could deposit an invalid document, then I am told to wait one more week after a month of waiting for the check. I WAS COMPLETELY FRUSTRATED WITH THEIR RESPONSES AND CUSTOMER SERVICE!

I am now behind on my credit card payments, utility bills, student loan bill and medical insurance bill. My bills are pilling up, and my credit card may file a claim against my credit report. If I don’t get this check cashed soon, my situation will worsen, and my credit will be severely affected. I need serious help to sue BofA of moral and financial damages that this has caused me.

Henri of Chevilly Larue OTHER (02/13/08)
I asked 15 days ago by letter for the transfer of my money in my French bank because I am now living in Paris. I sent also a copy of my passport and a piece of my blue card. Nothing has been done, and I have no way to communicate. The only phone number I have is an answering machine. Thank you to tell me how I can speed up the process and be sure it will be done.

The consequence is I am now without money to create the new business I have to create.

Marvin of Fairview NC (02/13/08)
I was admitted to the Veterans Administration Medical Center in Asheville North Carolina on July 9, 2007. I was discharged on July 19, 2007 after receiving 3 units of blood, 1000 milligrams of iron and platelets. I was given a diagnosis by the cancer doctor at the VA hospital August 13, 2007. I was told that I had had acute myeloid leukemia for at least a year and had approximately one year to live. I was hospitalized again on October 27, 2007 at Park Ridge Hospital in Fletcher North Carolina. There, I received both blood and iron and was discharged November 5, 2007. I have credit cards with Bank of America, Household Bank, Providian (Washington Mutual) and Chase Bank. Although I had Credit Card Protection with all of them, ONLY CHASE BANK immediately deferred my payments with zero interest from the time I let them know I had cancer. I called Chase Bank; they gave me time to send proof of my condition, it was that simple!

Bank of America has referred my account to a collection agency! I have had a 60% military related disability for several years; however, since the diagnosis of acute myeloid leukemia, I am now 100% disabled. My medical and personal expenses have risen significantly, and I haven’t been able to be as independent as I was previous to my first hospitalization in July of last year. I’ve been treated by a doctor who wrote a letter for me stating I was 100% disabled, which I sent to all the credit card companies/Credit Protection Agencies along with a pathology report. Since becoming 100% disabled as of July 9, 2007, I haven’t used any of my credit cards, while continuing to make all my payments (with the exception of Chase Bank) through November 2007. During this time I was repeatedly faxing and mailing reports, and calling to inform the credit card companies and their Credit Card Protection Agencies of my condition.

Every day I’m STILL RECEIVING calls from representatives of the credit card companies. Sick people do not need people calling them from 8:00 am till after 8:00 pm, and even on weekends. My doctor says this continued pressure by the credit card companies is to stressful for me and is not good for my condition. Two years ago I sold my home. The people who bought my home defaulted on the first mortgage, and I lost over fifty thousand dollars because I had agreed to hold a second mortgage for them. Losing all that money did not create as much stress for me as the credit card companies/Credit Protection Agencies are generating for me at this time in my life! Thank you.

Ann of Belleville IL (02/11/08)
I am convinced that Bank of America is profiting from charging bogus overdraft fees. When making cash deposits prior to the cut-off time, I’ve been told it would post the same day only to find out they post the following day, which has resulted in overdraft charges. Also I paid $28 to do a stop payment on a transaction only to find out after they sent the transaction through and that it takes 3 days to stop the payment. There was nothing in writing stating this and the customer service rep who helped me never mentioned it when I paid the $28, which was deducted from my account immediately. Then when I called customer service, they told me there was nothing they could do; but, valued me as a customer.

I have lost over $200 to the bank of america in overdraft fees alone because of misleading information from the bank. I’m a single mother with two children and I can’t afford to give away that much money, especially when I feel I’m following the necessary procedures to keep my account in good standing.

Prezidentace of Sunrise FL (02/11/08)
I opened a checking account online with a savings account. Months later BOA converted because of to many withdrawals. I understand the change to a checking due to the issue. However, they convienently forgot to switch the automatic savings plan off since it was no longer going into a interest bearing savings. This has caused many headaches for me.

First, I had enough money to cover a payment for a purchase I made with this feature they forgot to take off with the switch they charged my account a NSF fee and trans fee of $10. I went back through my records and BOA did this to me on multiple occasions. They said it was my fault because I didn’t notify them and would not refund any of the money. The estimated total last year had to be over $100 in the $10 fees and almost another $100 in NSF fees. When I complained they said it was my fault. I asked if they converted the account why didn’t they take that feature away since it was not a savings? They replied it is my responsibility to tell them. I find that somewhat amusing seeing they made the changes to the account and never told me I could have the keep the change savings on a checking account. I know you might think why did I not notice this sooner and it is simple, $10 leaving my account at a time I just didn’t notice, but a deeper look into my account upon the year review I find out. I was also told if I replenish my account the same day prior to 2pm I would not be hit with NSF fees. Each time I have done this they have denied my request. I currently have 1 investment account with BOA, 3 Checking. Out of all the banks I have banked with Bank Of America has the best service to your face but lacks delivery

Because of this I am now short my car payment and is adding much undo stress.

Gilma of Chatsworth CA (02/11/08)
Bank of America wiped out my checking account, without my authorization. My daughter, not on this account, was a counterfeit victim, she cashed money and the bank used my funds to cover their loss. However, she is not on this account, I did not have anything to do with it. I’m 83 years old.

$2900 taken from my account.

Robert of Alhambra CA (02/07/08)
I made a deposit of 731 dollars into my account which has now disappeared. I contacted the branch and they have no clue what happened to the deposit and they weren’t going to take further action until I showed them a deposit slip. Luckily for me, I save these slips just in case. Now, they have made an investigation even though they can clearly see the deposit isn’t showing and I have proof of this deposit. I am waiting for a check to go in for my rent and I am totally worried because they are taking 24-42 hours for the investigation. How can this have happened?

I still need my $731 to be posted into my account otherwise I might get a 3 day notice and a bounced check on my car payment.

Angie of Orlando FL (02/05/08)
I signed up for a checking account on Nov 30, 2007. A bank representative offered me a credit card with BOA which I took. At NO TIME did I agree to Credit Protection Plus which was somehow added on without my permission. I was billed approx $90 per month. I have been out of town for 2 months and paying my bills online therefore did not notice the charge for over 60 days until I saw the actual statements. Neither Credit Protection or Bank of America will refund the money that was stolen from my account without my authorization.

I have spent time and money – cell phone bills, time from work, etc trying to resolve this issue. I even contact corporate headquarters of Bank of America. BOA says there is nothing they can do. I cannot believe this company has been allowed to steal from me and no one will do anything about it!!

Terrri of Roy WA (02/03/08)
We closed all our accounts with Bank of America in Oct. and Nov. of 2007. This includes all checking, savings and visa accounts. On Friday, Feb.1, we received a letter from Keith Palmer stating that he had in fact closed one of our accounts due to a history of delinquency with our creditors. Not only have we had to literally fight to close our accounts with Bank of America, but now we are receiving mail that in fact slanders our name and credit rating. The letter gives no dates or proof. This sort of treatment has been going on for some time, and we are feeling not only slandered but feel they are in fact harassing us and our good name. We have the closing receipts showing the dates all accounts were closed. The letter received from Keith Palmer is dated for Jan. 24, 2008–clearly after the date that all accounts were in fact closed by us.

This constant treatment is causing great stress and despair. We are feeling threatened by this constant harrassment and the possibility that they could damage out credit. We don’t understand how can this sort of treatment go on in this country?

Cesar of Norcross GA (02/01/08)
Ihave noticed that Bank of America charged me $350 in overdraft fees because they charged out first from the big amount and them the small amounts, to make you fall in overdraft fees–even though you have spent small amount in the morning and the big amount after 4 pm. For Bank of America, it is when you withdraw money from your account after hours (4 pm), they won’t count it for next day transaction; but if is a deposit after hours, they will credit it on the next day transaction. That is how my account falls on overdraft.

These frequent overdrafts are causing economic problems. I thought Bank of America will base it on the interest of their loans–no, from billions of dollars they charge their loyal customers.

Dhana of Fairfax VA (01/28/08)
I opened a online CD after seeing an ad in Bank of America website for APY 4.85. However after signing up, the bank gave a rate of apy 4.75%. My complaint is about the time taken to reach a customer via telephone and their ability to resolve the problem. On the first attempt I spent nearly 50 minutes and gave up. Because they transfer from one dept to another and so on. And at one point, the system disconnected. BofA ask so many questions in the name of verifying my identity and finally that guy doesn’t resolve, again goes to another dept. I did a simple math for the interest amount that I will lose on a .1% which is about $8 for 4 month. So I decided to give up instead of wasting my time. On a different note, I want to notify them about the maturity date and it is so far taken 20 minutes to reach them, so has to disconnect. Poor Service. I will not choose BofA in the future and eventually I will close all my business with them. Another funny thing they provide in the cd receipt of associate phone number as 800-432 1100 which takes to a bad entertainment line.

Marilyn of Delta OTHER (01/27/08)
I went to Bank of America to cash a cashiers check I received for $4,000. I asked the teller if there is some way to verify the funds, or verify the check. The teller said this is a cashiers check, it is guaranteed funds–meaning there is no way it won’t go through. I depended on the teller’s promise to me that there is no way there will be a problem with the check. I wrote a check back to the sender of the $4,000 for $2,400, and found out that the check was later canceled as fraud. (I later find out this is a huge scam.)

I never received my $4,000, and the Bank of America teller TOLD ME it was guaranteed. I want them to be held responsible for this, as I was suspicious: but when they assured me everything was fine, now I lost $2,400.

Pat of Henderson NV (01/27/08)
On Jan. 16 I unintentionally overdrew my account by .93 cents. The next day I deposited $140.00; however, the damage was done. I have received four $35 charges totaling $140. I am presently overdrawn by $53.34 and have no way of catching up. I was told to take a register because I don’t know how to count.

Instead of having money in the bank I am charged $140–at a time when I am just returning to work after being laid off for 2 months. I do know how to count, and charging 140 dollars for a 93-cent mistake is criminal.

Sheila of Lanham, MD (01/24/08)
My personal checking account was debited $5600 without any notification because they stated that my husband owed a balance of B of A credit card. I asked what that had to do with my personal funds and was told his social security number was traced and his name was added to my account.

I pulled the signature card because I did not personally added him to my acct. The rep stated that it looked like my handwriting when it was clearly obvious it was not. How can someone come inside a branch and add a name without the account owner present?

I asked them to return my funds because firstly, i did not add him to my account and secondly my name was not on his credit card application as joint. This happen 12/31/07, and they keep giving me all these crazy reasons as to why they feel this was appropriate.

Mary of Fresno, CA (01/24/08)
My husband and I have our business account with Bank of America. On Jan 15, 2008 a $867.24 check was debited twice from our account. I called the bank and the customer service rep said she filed a dispute and the money would be credited to my account in two business days.

I called again on the 18tf and the rep said it would be credited on the 19th. I was told on the 19th that the first rep was incorrect and that it takes 2 to 5 business days. I told them that I wanted to know the exact date that the money would be credited. She said it would be no later than the 24th of January.

I am very confused about this situation. Once the bank made the error on the 15th, it should have been immediately credited.

Judith of Spring Hill FL (01/22/08)
I went to Bank of America to cash my paycheck (as I do every two weeks). They handed me a counterfeit $100.00 bill, and of course I did not realize it until I tried to use it to pay a bill. The person I gave the money to, retained the bill. I went back to Bank of America after realizing what happened and their answer: Sometimes that happens!

WHAT? Do they not have a way to check their bills? This is ludicrous! This may not be a lot of money to them, but I am a retiree on Social Security and certainly cannot afford to lose a penny, let alone $100.00. They acted as though, “so sad, too bad”. I just simply want people to know that their common practice is not to check their bills!

Mike of Stockbridge GA (01/22/08)
A few months ago I noticed that Bank of America’s billing system was putting the due date on the weekend. However, their online payment system will not allow you to use a weekend date. I called after the January payment was credited to my account on the 14th to ask that the late fee be removed. I was told “No, we are not going to do that.” After an exchange with a rude customer service rep, I asked to speak to a supervisor. The rep told me “It will not do any good; she is not going to remove it either.” At that point I informed her that I wanted to report her bad attitude; I’m still waiting for their call.

My problem is the due date always seems to move to a weekend date, and I should not have to pay the bill early. If their billing system will use a weekend date, their payment system should also use it. I beleive that it is just a way to get an additional $39.00 out of their customers. Luckily I have been able to surf almost the entire balance to other accounts to get BOA out of my life forever. They are legally allowed to steal from their customers in the form of fees.

Douglas of Wake Forest NC (01/22/08)
Bank of America just loves to complicate things. Their online bill-pay service is intentionally misleading and deceptive. I paid someone $150 with this service. It was set to be delivered on a specific date. On that day the website said it was sent, and the funds were withdrawn from my checking account–except they weren’t. I noticed the balance had not adjusted. I called the 800# to ask about it, and they said they do not withdraw funds for at least 24 hours. But that’s not what bill-pay said; bill-pay said the withdrawal was made the day the payment was delivered, nothing about a delay. If I had not caught that I would have spent money that was already spent.

There can be no reasonable explanation for this other than BOA hopes to trip you up and nail you with overdraft fees. It’s the same reason online banking is as ridiculously complex as it is–with pending charges and delayed deposits; nothing is in real time. The balances you see are never the actual balances. It’s like everything they do is oriented toward pumping more outrageous penalty fees out of you. What ever happened to honorable business practices? BOA is more like a slipshod bazaar.

Devi of Baltimore MD (01/17/08)
I did a wire transfer using Bank of America in Baltimore, MD to my own account in India using SWIFT codes. I was told that India is a slow to pay country and it takes about 3 weeks and no investigations would be done till then. It has been 2 and a half months and it hasn’t gone through. My bank in India has not received any information regarding this from Bank of America and Bank of America is not willing to help. Every time I contact them, they tell me that they are sending e-mails to the bank in India to find the status and that the money is in India and nothing can be done about it and it is possible that I might lose my money. I have no clue as to how to go about it. Please help!

I had sent all the money from my first pay-check to my parents for Diwali. It is a huge amount for me coming from a lower middle class Indian family. It is emotionally traumatizing to see the callous attitude of the Bank of America Customer service and investigations department. I don’t know what to do.

Roynita of Washington DC (01/16/08)
Last 3/2006, called into BOA to check my account balance, and found that I have been charged $300 for a safe deposit box! I have called their customer service operator and have been told that I am listed as an owner of the box. I have tried to explain to the person/s who I spoke with that I was not the owner, but rather, the signee to have access to the box in the event of an emergency! I was told that I would need to speak to the branch location to have my matter resolved.

On numerous occasions I have tried to speak with both the bank manager and general manager for that location; to this date have had no response. This bank is located in Hyattsville, MD on Annapolis Road. I am so-o-o fustrated with BOA and the lack of support they give to their customers. So much lost time has been spent, and the issue has not been resolved. I continue to get the run around. I will be closing my accounts with the bank and going with another bank.

Gary of Camarillo CA (01/16/08)
Bank of America denied payment on Jan. 4, 2008 of a credit line check issued Dec. 28, 2007 in the amount of $7000 to solve a business collection account. The bank later claimed that they had unilaterally closed this account without notice to me on Jan 4, 2008. A letter dated Jan 4 was received in the first class mail on Jan 15 stating that the account was closed. Their explanation was that one payment on this account was late, but no notice of the payment being past due was ever issued until after this account had already been close.

This has severely damaged the business recovery plan that sought to solve a corporate collection account balance.

Derick of Austell, GA (01/12/08)
Bank Of America has charged me a fee of $100 because they received a court order to garnish my checking account. They said it was non refundable. If any one is going through some financial difficulty wouldn’t your bank be the first place you would go to for help? I lost my job 9 months back and things became tight. Some of my creditors were put on the back burner because keeping my house was my main focus. I’m now just starting a new job. I feel that the fee my own bank charged me is very unethical or should I say down right wrong.

Edward of Fullerton CA (01/12/08)
All of my bills are due on the 8th, since I prepare bills the end of the month. I was with MBNA, and when Bank of America bought MBNA, I arranged for a payment due date of the eighth of the month. It has been about a year since B of A has the account. Preparing bills the end of Dec, I noticed the bill was due on the first of Jan!There is no way the mail would get the payment to B of A in time to avoid a late fee! I called on the telephone and made the minimum payment, $15, (sent in by mail half of the outstanding balance that day also), and was told there was a $15 fee for a telephone payment. I complained about the date change without notification, and was told essentially that the old due date will be re-instated, but I have to pay the telephone transfer fee–and be thankful I did not have to pay a late fee of $35! Boy, that is scraping the bottom to make a (dishonest) buck. I will not be using this card in the future. I expected better from B of A. Be on guard!!

Loss of $15 that is due to Bank of America’s shifting my payment due date with notification. Not a lot of money, but a lot of nerve.

Rhonda of Florissant MO (01/09/08)
My son has a campus checking account in my name and his. He made a debit card transaction on 11/29/07 that didn’t show up in his account until 1/7/08. We thought it had cleared back in November. It did not show up as pending on my online banking; it just cleared overnight. Due to BOA’s policy of processing the largest debits first, down to the smallest, this transaction, which should have caused, at most, one overdraft fee ended up causing five, totaling $175. BOA, after I pitched a fit, credited back $86 of the $175, and then I was later able to get another $35 taken off. This is the second time in a week that I have checked the account before the cutoff time each night for transfers, thought the account was in good shape, only to wake up the next morning to a handful of overdraft charges. Some of these charges come from ATM withdrawals, where they could have simply refused the withdrawal if there were insufficient funds. I have researched banking law, and everything they did was legal. My complaint is that it should not be legal. I don’t feel good about entrusting my money to an entity that is using every legal means they can devise to get it away from me. I’m ready to put it under the mattress.

I lost $229 in overdraft fees that were beyond my control because the bank failed to disclose information about how debits are processed and loaned me money to cover overdrafts without my consent, at, I might add, a rate that is far beyond usurious. I would like to see a class action suit against any bank that uses high to low debit processing as not acting in good faith and protecting the assets of their customers.

Katherine of Providence RI (01/09/08)
On January 7th, I checked my bank balance online which gave me a positive number. On the 8th, I made a deposit for over $200. Later the same day I checked my balance online and found that I was charged three overdraft fees even though on the 7th at night, I had a positive balance. The total amount of the debits were less than thirty dollars. The charges were more than three times the amount that I had charged. I made these charges because my bank balance was positive and more than the amount that I had charged. One lady told me that as long as I deposit money, there wouldn’t be any charges while another representative told me that the bank will go back and clear debits or charges on the day that the card was used, not the day that the transactions cleared. Regardless, I’m out $105. On top of it all, I went to use my husband’s ATM card which was not a Bank of America card. I waited for the card to be returned and it was not. I then went to the teller and told her immediately. She said they do not return ATM cards from other banks. My husband then had to cancel his card and order another one. He got charged three dollars for the transaction plus a loss of the card.

I was charged $105. This charge will cause other debits to be charged against my account. This isn’t the first time. Each time I talk with a representative, they give a different story. I was also charged nearly $200 because of a bank mistake. I was returned the money however it was given to me against my account-the bank will return some items but it’s marked on my account that I made the flub not the bank. I have lost nearly $500 total from these sorts of issues.

Rachael of Orlando FL (01/08/08)
I sent a wire transfer of $4,500.00 from Bank OF America Orlando, Florida on 10/10/2007 to Trinidad, and to this date the recipient has not received it and neither has their bank any information about the transfer. I faxed my wire transfer receipt to the bank and the recipient and confirmed all the information I gave to Bank Of America was correct, but still they have not been able to transfer the money, and the money is not in my account. This is all my savings. I have been to the branch several times, I called their wire transfer department but they are pointing fingers at each other – the wire transfer department which I called on 1-800-729-9473 said I should speak with the branch I sent the transfer from, the manager Mr Evans & the assistant manager Ms Patel is saying it is in the hands of the wire transfer department. This is very bad business, my relatives needed this money for medical costs, I have to keep chasing these people, and all I get is bad customer service and serious runaround for my own money. This transfer should have only taken approximately 3 days, it is almost a month now and nothing, can’t I get some justice here?

My relatives have still not received the money to pay their medical bills and I have no information as to where my money is.

Mary of Los Angeles CA (01/06/08)
My husband and I are traveling. We are approx 100 miles away from home. i called B of A to request an increase of the amount of money that i am allowed to withdraw from any ATM (i have done this many times in the past without problem). When I made the request via telephone with an actual person I was immediately placed on hold and subsequently disconnected. I then called back and was told that my B of A bank card hes been cancelled and there is nothing that can be done to reinstate the card and furthermore there is no possible way that I can get access to any of my money in the bank. I have called 8 or 10 different individuals at B of A including their emergency services unit and every one of them are refusing to help me get access to any of my money.

HERE IT IS, SUNDAY MORNING, AND WE ARE ABSOLUTELY STRANDED 100 MILES FROM HOME! There must be something we can do about this. This is entirely unfair. WE ARE STRANDED BECAUSE B of A MADE A SIMPLE MISTAKE. Not only are we stranded, but I also have automated withdrawals scheduled to be taken out of my B of A account from a number of different institutions and they are going to be cancelled or declined as well and I did NOT give B of A authorization to cancel my card or to do anything else with my account other than to increase my ATM withdrawal amount. I want someone at B of A, (someone who actually cares about their customers), to investigate this negligent incident and I also want an apology in writing. Otherwise, I will go to B of A and take out every dime of my money and put it into a financial institution that actually has consideration for their customers. By the way, iI have been a B of A customer since 1993.

Randy of Dallas TX (01/05/08)
I was charged 8 overdraft fees in one day! The policy states 5 days (so I have heard). I asked the customer service rep about the policy and he said it was 5 so he refunded me the 3 that weren’t supposed to be charged. This is computerized, right? That seems like a scam to me that if a person doesn’t know the policy then they just pay it.