More Bank of America Complaints 2008 - 1

Vincent of Little River Academy TX (09/25/08)
Started off with a simply over draft fee of 35.00. Then it snowballed into 245.00 called them, and they -35.00 after 1 hour and 30 min on hold. I live week to week, when I deposite 85000.00 3 years ago, I was there pal. This is the worst Bank I have delt with in 30 years.

Now life really stinks, do to all the other bills I have to take care of. This should not be legal. The Supervisor wouldn’t give me his last name or a badge number. All I know his name was Brian.

Christine of Miramar FL (09/24/08)
On Friday Sept. 19th I had a total of $589 in an account with BOA. On that same day I made debits in the amount of $9.20 on the 20th I made debits in the amt of $94.96 and on the 21st i made debits in the amt. of $214.07 for a total of $318.23, which would leave me with a balance of $270. Now on Monday I made 2 debits, 1 for $234 and a second for $117, which would put me in the negative and an overdraft of $35 which this was done by accident. Now what BOA did was even thought those 2 debits were done on the 22nd BOA posted those 2 transaction first because according the rep. they post the largest amt. first so my debit of $4.18 on the 19th was posted last because it was the smallest amt.

Now Im well aware that because of the lack of funds for the last transaction of $117 that was made on the 22nd, I am responsible for the $35 which is still not justified. But because of their action I now have a total overdraft of $175.00. I call and spoke to a rep who told me that the charges were valid and that she could not do anything about it. I then asked to speak to her supervisor and the supervisor who even though both agree that the method can be seen as unjust still refuse to credit my account, she says the fee are correct and thats all she was willing to credit.

Unfortunately for me, I have direct deposit from my job on this account so as soon as my money hits the account theirs will be taken out first; even thought in this case I may spend $200 which would be greater than $175 and would totally contradict what they say. Can any one help me this is a huge blow to my pocket book especially in these times?

I usually pay my child daycare every two when I get my salary now with a pending debit I have no idea how my childs daycare will be paid for.

Lee of Detroit MI (09/24/08)
I over drew my account 1.75 on Monday night and 100.00 was deposited over Monday night to Tuesday morning. I was still charge 33.00 a full day after. The fee was not accessed and updated until late in the day after I made an ATM W\D 80.00 Tuesday morning. The fee was not reflected on the automated teller nor the online banking site or I wouldn’t have withdrawn. It said I had a balance available as though the 100.00 deposite had covered the 1.75 overnight.

On Wednesday I checked the onlne sight and decided to call and check to make sure all was well. It wasn’t, I was informed that another 33.00 would be assessed on Thursday because my 80.00 ATM W\D on Tuesday morning coupled with the 33.00 NSF fee assessment caused a -14.75. The online banking site says that I have an available balance of 14.75 no negtaive 14.75.

Now I will have to find a way somehow to get the rest of my rent money together becuase Bank of America has swiped 66.00 dollars to compensate the 1.75 overdraft. I’m 66.00 short on the rent.

Dottie of Las Vegas NV (09/24/08)
I have multiple lines of credit for my small business which I personnally guaranteed. I have been keeping the bank informed of my status. Today, Bank of America siezed all of the money from my checking account, including my rent payment. Is this legal?

I can not pay rent, buy food or gas, go to work!

Lindsay of Reno NV (09/23/08)
I am upset because for the BILLIONTH time I’m calling Bank of America to talk to them about current overdrafting fees. I made two purchases and one withdrawl on friday (one of them was my lunch run) and then saturday I made a few more purchases. I lost my debit card on Saturday and had to order a new one. So come Monday, I go to the bank to withdraw money so I can pay bills. So I withdraw $230 on Monday during my lunch (12-1pm). I leave $5 dollars in my bank account. I check my account today because I wanted to make sure nothing overdrafted, and guess what, IT DID! I saw several 2 dollar charges done by my bank that eventually overdraft me.

If you use atm machines at the gas stations or even grocery stores, not only does the machine charge you a fee ranging from $1.50-$3.00 but the bank also charges $2.00 per transaction at a nonBOA machine. This must be a new fee for them, because when I opened the acount two years ago, I was never assessed these fees. No one told me about these changes either. So I have three random $2.00 charges that I didn’t even know about. So that’s the first issue.

The second complaint is the way that they clear transactions. I understand that they clear transactions based on largest to smallest but I had no idea that they don’t take into account. So what they did is after I withdrew money from my bank account on Monday at 12:30pm when the banks are open, they cleared that first. Then they started taking the two dollars away from withdrawing money from a nonBOA account (mind you ontop of the two dollars I agreed to pay when I took money from the machine). So they took all transactions for Friday - Monday and posted them from biggest to smallest. I was on the phone for thirty minutes with Desiree, the supervisor, asking them why they don’t take into account the dates and she tells me that the consumers voted on the way it should be done. I told her I never voted for this policy and that I didn’t understand why they would group FOUR days worth of transaction into one day. I told them I felt that this was a way to make money off already tight consumers. I said that this policy creates optimum cash flow for the bank while leaving us wondering how we’re going to make ends meet.

I informed them that my boyfriend had spent the past three months correcting the damage the bank has done because of their policy. I agreed that they should post biggest to smallest but that they NEED to take into account dates. I informed them of the trouble that Wells Fargo has gotten in for these practices. This didn’t worry her at all even when I started listing various law suits that BOA had been involved in. I told Desire that our country was in a midst of economic crisis and all your policies do is protect the bank. I told her that the bank is capitolizing on every opportunity to charge their consumers money and to make money for the banks.

Because of this I’m going to be out $100 bucks. I’m a full time employee and part time college student, so even the loss of $100 bucks coming from this weeks paycheck is a serious detrement.

Rick of Liberty MO (09/23/08)
Have had over a thousand dollars in over drafts with bank America. They showed the credits and on the account. Then when My house payment came in. They took all the credits out! And bounced everyone but the house payment.At a fee of $35.00 each. This happened two months in a row. There accounting is a hole new type of accounting. Never have I seen such do as we please action. No wounder they can bail out other institution for billions of dollars. They are taking money with out even doing a robbery. In there eyes anyway. In mine is the same as stealing.

They told me under the new banking law they can do this because there has been so many foreclosed houses. If they had just done the house payment. There would have only been a $35.00 over draft. Lucky there was not another recite come in or they would have bounced the house payment because of over drafts.

As a result of this my family has suffered hard ship to recover from their actions. Something should be able to be done with this banks way of doing things.

Jareana of Keller TX (09/22/08)
I know about overdraft fees and how ridiculous they can be. Labor day weekend, I had 12 transactions that I was absoloutly certain I had money to back them up. 3 days before any of those were done, my paycheck was directly deposited. Online it reflected that it had been cleared. However, after making those purchases, the following Tuesday I checked my account to find 12 overdraft fees. I checked my personal ledger to the online ledger to find many problems on their end. Not only to they prioritize transactions as a customer courtesy but they also didn’t clear my check until Tuesday morning.

First and foremost, when I make a transaction, I never spend what I don’t have. If the bank says my deposit is clear, I go forth accordingly. But coming back 4 days later and saying it had not, and then charging me 12 times, is uncalled for. I went to the bank with my ledger and the online ledger to argue the fees, to get a rude and disrespectful teller tell me, Ma’am your history reflects 6 months ago that you had many fees charged, and all of them you felt were not accurate. Well first off, 6 months ago is ancient history, I’m talking about the past 4 days.

Secondly, what purpose does that serve searching my history 6 months ago, and how does that aide in my recent complaint? Yes, I had mistakes back then, but that sure as heck doesn’t dictate how I got 12 OD fees, NONE of which I was to blame. BOA decided that I was at fault for these fees, and would not (not even after speaking with 3 supervisors) refund my account any of the fees. I even pleaded saying that was MY ENTIRE check for child support, and that I would not see a dime of it now.

Single mom of 2, I NEED IT. BOA could care less. They are a monopoly bank with very little concern to their customers. They want your money, not only to hold onto, but also to keep. I have closed all my accounts, withdrawn all CD’S and Mutual Funds, not to mention had the majority of my family do the same. I’m from a LARGE family, that’s a huge hit.

I’d say 30+ family and freinds withdrew their accounts in all forms. When you have well-off family… you are talking quite a few million dollars lost to BOA.

Gene of Magdalena NM (09/22/08)
If I GO on line to pay my credit bill with less than 2 days to go to due date the sight is locke dup on my account. Since I can not pay my bill on line it will be late. This makes me subject to late fees and a raise in my interest rate. They have also made it impossible to reach some one to talk about my account and the terms of my account. I have a loan at 33% interest and no one to contact about it.

Dennis of Billerica MA (09/18/08)
Bank of america has charged me for over five times a fee of $ 35 for overdrafts. I checked on my account on the 15 th of Sept 2008 and everything balanced fine but I knew i had made some checks so I made a deposit on the 15 th at about 10 P.m. On the 16 th of sept 2008 I checked on my account and saw that my check was pending as well as other transactions. On the receipt for the deposit it clearly show that funds will be available on the 16th. On the 17 th when I checked my account again I found that they had back dated about 4 transactions for 15th of sept 2008 the day I had checked and everything was OK to have me go into overdrafts, that really hurt.

I called the girls that if what I see online is not accurate why do I need to see it anyway? If they do as they say that they are the peoples bank why can’t they feel the same way we do and not charge for trasactions that didn’t show when we access our accounts? Isn’t only fair that both parties should be as transparent to each other so all of us can do our businesses better? I had to borrow $150 from a friend who unawarely put it all on my account and it was all taken by the bank yet it was to buy some food for my family. Someone Please help Bank of america is doing something wrong!

This transaction alone as caused a Pounding headache for the last 3 days, My family had to go without food for 2 day up to when I could get some to borrow me some more money. We are all in some kind of hardship but I hate it when big companies instead of helping the customer look for ways to empty them.

Kelly of Little Rock AR (09/18/08)
I called 9/11/08 to place stop payment on a check. I gave all necessary information and was told it had been completed. Today I have 7 overdraft fees because the Customer Service Rep did not place the check number on the stop payment. I contacted a supervisor and was told it was valid charges because I wrote a check to a merchent and it as presented by them in good faith. Is there anything I can do about this?

245 dollars in overdraft fees

Sherrie of Blue Bell PA (09/17/08)
I have been a BOA customer for a number of years I do all my baking onlie except for cash and personal check deposits. I have recieved NO statement for over a year. I figured that was because I was online I just did not get them anymore. ANYWAY I just recieved 5 OD charges for 35.00 each! ON PENDING NOT POSTED TRANSACTIONS!

AND when I saw that they may post I went to the bank and made a cash deposit right away!  When I calle dnad told them The money was there before posting they informed me they changed that and I got the info in my statement.  HOW UNETHICAL is this?

Alisa of Torrington CT (09/16/08)
I have been a B of A customer for many years, over the past two years they have gotten out of control with their fees. Not only do they charge me to DEPOSIT money into my savings account (any more than 4 deposits a month is a $3.00 fee) but now they have resorted to changing the days of transactions and therefore causing overdrafts on my account. I have a statement which clearly shows that at no time did my account become overdrawn yet I incurred a $35.00 insufficient funds fee. When I went to the branch to question this charge I was told that I can not go by the online banking statement because it is not accurate and their computers show that the charge was incurred one day prior to my deposit. When I showed them the statement showing them that the charge did not occur on 9/10 but 9/11 when two large deposits were made they refused to acknowledge the online statement and said they could only go by thier computers.

They are falsely advertising that you can check your balances via computer or phone since the information that you access is obviously useless and no B of A customer that I know of has privledges to access their bank account information. This has gotten out of control, the customer service reps are RUDE, dismissive and have told me to learn how to keep a check register. I don’t care how many check registers I keep, if they keep changing dates of transactions it doesn’t matter what record keeping I have, they will always be right and keep taking my hard earned money.

I am a single mother of five children. They are taking my child support that is direct deposited into their account. They should be ashamed of themselves. I have photocopied my statement and have sent it in with a consumer complaint to the Attorney General here in Connecticut. I have already contacted Child Support Enforcement to have my child support direct deposited into a local bank and as soon as that goes through my checking, savings and all five of my childrens savings accounts will be closed at Bank of America. I have had enough of them using my hard earned money to pad their paychecks with. I will tell anyone and everyone how horrible that bank is, not that it will do much but if it keeps one person from being sucked into their banking scams then it is worth it.

I am now short on the payment that I had set up to be paid via the internet. My childrens savings accounts have been raided of their birthday money and my savings account has been depleated to cover the bank fees. I have lost time to hang on hold only to be disconnected. I have lost pay to fight with the representative at the bank to no avail since I couldn’t get anything resolved over the phone. They have caused other checks to be overdrawn since they randomly charge you fees based on their records. I have to check my account daily to see what new fees they choose to tack onto my account and even that obviously doesn’t help since they can rework your transactions to thier benefit when they choose, and the online statement is not accurate - which comes directly from the mouths of their own representatives. The aggrivation and loss of funds are not worth any of the conveniences they offer.

Robert of Denver CO (09/16/08)
What happened? That is what we would like to know. A payment that is one day late results in a $39.00 fine and raising our interest rate to 29%. This is a legal form of loan sharking. Housing crisis? What about this crisis. I have a credit score of 725 and am looking to find a reputable bank to transfer this account to. Even when you pay early, they tell you that is wasn’t in the billing cycle and charge a late fee. Please help!

Unless I find another company to transfer this to, all I am doing to paying interest every month.

Lynnea of Galesburg IL (09/16/08)
I Had a very hard accident a year ago. I couldn’t pay my mortage or any other bills and now have a better Job and they won;t work with me to help me pay them . They want all or nothing at all . I have 4000 dollars and they won’t take it. And that is almost the whole balance and they won’t take it.

I am sixty one years old , have pets, I am worn out , ready to walk away from it. I am working full time and trying to pack. Daughter having trouble with a pregnacy, mother gravely ill. Don’t know wheather I am coming or going , lived here for three years and lots of stuff to liquidate and I have offered the bank 4000 dollars and they won’t take it . It is all or nothing at all. No one can figure the problems out. Angency wont work with them . Bank of Amercia won’t work with me on this. Had a bad accident and was out of work for awhile.

Carlene of Mira Loma CA (09/15/08)
On August 19th I closed my Bank of America Account. Zero balance. On sept 5th I had an automatic non paper transaction come through. Bank of Amercia REOPENED! my account and made the payment! How can a company open an account and pay something from a closed account. They said that since they had my account number and routing number that they had the right to pay them. I did not know that Bank of America supersides any authroity when it come to desiding that even if the account was closed for 2 weeks, they can re-open it to make transactions because someone has your info.

I closed this account; Now they want to charge me on something that came in 2 weeks after the account was closed! THe Account was closed on August 19th! I went in personaly and closed it!

Im stressed out and sick to my stomche about the whole thing!

Mike of Mesa AZ (09/15/08)
i ordered a disk about making money on creigs list that came through the mail and was satated the for 1.95 i would get the infomation about this. didnt recive disk and later on the 8th of september i found a charge for 39,85 from Online Business Servives. I called Bank of America and asked them about this charge and said it wasnt authorized (didnt know who this was). bank of america said i had to let it post and had to call fraud.

I tried to cancel this transaction, but they wouldnt let me do so…it now posted to account and brung other charges in the arrears…3…when i called Bank of America and complained about this and asked about this they said that they would investigate the matter and refund money till matter settles…now i ask you this question….why didnt BoA cancel said transaction when i called them 2-=3days before said transaction posted to account instead of letting transaction post and me going through said aggravation….why

up in the air…BofA standing behind said belives that they cant cancle said transition….the other company saying that there was an monthly service charge when they didnt state in the intrum about that and didnt recive disk…so you tell me….why do i have to step up to the plate and say i will pay said bills when said bills are not revieled….

Brian of Annaplolis MD (09/14/08)
i recently opened an account with bank of america, what a mistake. they can actually put a hold on YOUR money. i work very hard but its difficult to pay bills when a bank want to control every dollar. i think this kind of service is obsured and bank of america needs to realize they are not in control of me or my money. i will for sure close my account with them as soon as i can.

their poor customer service lacks with empathy and concern all they can say is im sorry and explain their text book reason. very very bad customer service i would not recomend anyone to this so called hitler style process. i hope someday soon this bank will fall and it will as long as they keep oporating with this style.

lost ALL personal belife in any bank it will take alot of conviencing for me to open another account i will cxl my account pay my bills only by money order and never trust another bank EVER.

Lori of Orlando FL (09/13/08)
I check my account everyday to make sure things are ok. Today I check my acct and find FIVE overdraft fees in the amount of $35.00 each. I go back through my online statement and find nothing on my part that constitutes these fees, so I call the useless 1-800 number provided. I was told that even though my money was in there, and the charges for each of the debits had cleared. I had made two deposits the day before and the day after, and was still told that it didn’t matter…they were pending charges and warranted the overdraft fees.

I AM BESIDE MYSELF AS TO HOW THIS HAPPENED. I HAVEN’T HAD AN OVERDRAWN ACCT IN SOMETIME AND I THINK THIS IS ABOUT AS SHADY AS IT CAN GET. I HAVE PRINTED OUT MY STATEMENT, AND TAKING IT TO MY LOCAL BRANCH, HAVING THEM REFUND THE FEES…AND THEN WHEN THEY ASK ME IF THERE IS ANYTHING ELSE THEY CAN DO FOR ME… MY ANSWER WILL BE YES, I WANT TO CLOSE MY ACCT.

Besides the fact that the [man] I rented my condo from went into foreclosure and now holding my deposit hostage, and I’m homeless…I am now $175.00 short in my acct and have no money to buy groceries.

Dina of Honolulu HI (09/13/08)
This is regarding the handling of clearing of debits & credits to determine NSF charges, all at the convenience of BofA’s discretion leaving the customer with no alternatives other than being at their beckon call. They assess NSF fees on check card purchases that are pending even when it’s a disputed charge (in my case the merchant admitted their error). To try and resolve this you are forced to ‘wait’ until the transaction is posted all the while they charge you the NSF fee when it’s in pending mode. You are then tossed back and forth forced to wait the 12 hour response time to just receive an answer that does not apply to your original question. No one person accepts responsibility and their front line who apparently have no knowledge or authority to resolve problems.

My last complaint is their bank to bank transfers. They debit your money immediately but don’t credit it until three full days leaving you wondering where the money is sitting and you have no access to it. My originating bank admits that they process withdrawals first then deposits which resulted in an NSF activity even when my bank paid the transfer but BofA never credited the transaction until 3 days after the fact. They ended up locking my account from transfers pending a letter from my originating bank that my account with them was in good standing. I immedately had my other bank do this and they faxed to them (following BofA’s instructions) that same day.

To follow through on this, it has taken me 5 emails, 3 faxes, 4 phone calls within the last 3 days. Finally hearing from a Rudy (who claims he’s a Manager), he offered no form of an apology for the inconvenience rather flatly denies receiving any faxes (i have confirmed fax numbers with their agents with confirmed fax receipts), puts the blame on me and decides to empower his authority by requiring more paperwork and legwork on my end. His requirements were not even closely related to what I was originally instructed to do three days prior.

Hardships were no access to money that was debited from my account and loss of personal and work time due to trying to resolve these problems and getting the run around.

Shevon of Corpus Christi TX (09/12/08)
My father deposited a check to my new Bank of America account, less than 30 days, on 08/19/08, to help me with educational expenses. The bank did not notify him at the time of deposit that the check would be placed on hold. Contrarily, Bank of America cleared the check on 08/21/08, as the paying bank, Chase released the funds on 08/20/08. Nevertheless, the account was placed on hold 08/20/08 by the bank who claimed the check was fraudulent or counterfeit. I notified Bank of America that the paying bank released the check. However, as of 09/04/2008, Bank of America refused to release the funds that were in my account prior to the deposit of the check in question, and they did not credit my account with these released funds.

According to page 15 of Bank of Americas Deposit Agreement and Disclosures under special rules for new accounts, the first $5,000 of a days total depositand the excess over $5,000 is available by the ninth business day after the day of the deposit. Is this bank allowed to hold on to my funds for this length of time (over 14 business days) and not credit my account with and return the funds released by the paying bank for this length of time? Furthermore, I was told by Carlos, of the Risk Management Department, that a cashier’s check of my funds was sent to the Compliance Department on 09/04/2008, that there is no way for me to contactthis department, and that this check is on hold in this department. I would like someone to give me legal counsel on this matter. Thank you for your prompt attention and response to this matter.

I did not have the funds to pay my tuition, as I was a full-time student, and I do not have money to pay my rent and bills. This is completely unheard of and ludacrous. This bank is trying to toy with me and give me the ‘run-around’. I would like my money back.

Joanna of Van Nuys CA (09/12/08)
On September 5th I went inside the branch to deposit my check, the teller notified me that they had to place a hold on my check. I was aware the I only had $101.29 dollars available to me and the there was hold placed on $520.00 I went ahead n made two purchases and never overdrew my account. The minute I found out that the hold was removed (which was 4 days later)I went ahead and withdrew $480.00 and the $20.00 I always checked online and over the phone and made sure i wasn’t negative in funds (which I wasn’t!) As far as knew I STILL had 12.66 after my last transaction.

The next day I had two overdraft fees. They only removed one of them. I called back to see if I could get the second one removed but they said no. I asked if I was going to get anymore fees and the man I was speaking to (Hugo) said no. I checked in online today and I am now being charged $128 dollars in overdraft fees and I never even overdrew! They were being very rude to the point that I even started crying! I am VERY UPSET! I cant believe that this bank steals money and gets away with it!

128.00 dollars in overdraft fees because the never notified me that I had insufficient funds over the phone and online

Teresa of North Port FL (09/11/08)
My husband made a cash deposit on 10/19/07. The dep was made after the cut-off time, so I assumed the amt would be posted on Mon (10/22). Based on the fact that I am very efficient and ck my balances frequently, when I ckd it on 10/23, tha balance did not reflect the deposit. I immediately contacted cust serv and spoke to Ruben who explained that where the acct was opened in Massachusetts, that it would take an add’l business day to post, he assured me not to worry.

A couple wks later I rcvd a ltr to contact the branch mgr, so I did and she said she would have to ck with each teller to see if the transaction was presented. She responded in a couple wks later saying no trans was posted. At this point I am very upset and can now not locate the receipt. I did req that I be able to view the camera surveillance in the bank, she said she will ck on that and call me back, no call back, at this point I have rcvd a ltr on 12/17 stating acct remains overdrawn and I will be going to collection agncy. I am very upset-keeping my credit good is very important to me,

I called Ms Lopez once again who states I am unable to view the surveillance and nothing she can do, so I wrote a ltr to Dawn (Reg Exec) on 12/18/07, no response from her. I am not in collections, which I did dispute, apparenlty the agent is no longer with the agency, when I called I was informed this, spoke to Gordon(Recovery mgr) who states that my dispute never made it back to Bank Of America, so he added it to the dispute log and sent it off–still no response from Bank of America

Now on credit report; resulting in damage to my credit score. Now unable to xfer credit card balance or apply for home equity loan.

Ariela of Dacula GA (09/11/08)
I went negative in my account do to a new job and different pay days. I understand that the bank needs to charge fees for NSF, but I had 4 transactions that went through, I had enough money to cover 2 of those until my deposit came in the next day. SO I thought for sure they would cover the small transactions and charge me for the other two. Well they went ahead and charged me a $35 fee for all 4 of them. Which is totally insane when the money was there to cover 2 of them.

They charge you on every little thing. They told me that the way their policy works when it comes to NSF is that they cover from biggest to smallest. So if you have money in your account and you have enough money to cover the small transaction and not the big one, they will not cover the small one, so you’ll get two fees instead of one. INSANE! I can’t stand this bank, they are just not willing to work with you at all.

Jeffrey of Eugene OR (09/10/08)
Bank of America is arranging or doctoring when debits are presented to the bank to charge it’s customers the most fees.

Because of this arranging, they have charged my checking account hundreds over the last year and most recently over $170. I have emailed customer service to dispute the charges and all I get are run-around and a PR response. I’m sick of it.

Emily of Baltimore MD (09/10/08)
I was enrolled in credit protection plus by BOA. I did not sign up for this, it was done without my permission. I realized this after 3 months. I called to be taken off in mid-July as I was furious. The phone attendant first told me, I signed up and therefore I could not cancel!!After 30-45 minutes of arguing, I was finally told the money would be refunded and I would be removed from the plan. I looked at my statements recently and found that nothing had been refunded. I called again to complain. They stated they could only refund the last statement (which they never did 2 months later).

I asked for a form with my signature on it showing I had signed up for this service. They told me they were not required to show me this. I then informed them, I would happily pay the cost of the service if they could show me MY SIGNATURE authorizing the plan. The phone attendent responded …I requested a refund and they would only grant 1 month refund for the cost of the plan. He then informed me, I had my choice of seeing my authorization or the refund. I thought this was beyond ridiculous. I told him I wanted to see the authorization and I wanted the refund.

The refund was suppose to be applied for 1 month of the plan cost, none of which has been refunded. Also, the letter that came to me just said I authorized this 4/1. Which I absolutely did not. They are unable to show me my signature or any document verifying that I signed up for the plan.

220.00

Vanessa of Lauderhill FL (09/09/08)
i had a checking account with bank of america and got in to payday loan debt and they closed the account but they reported me to chexsystems as suspected fraud activity and i did not commit any fraud and this is a nightmare that wont go away and they are very rude and unprofessional and i have tried several different avenues and they dont work

i need some help. this has been 2 1/2 years ago and going 4 more years without an account is ludacris. no checking account

Stacey of Franklin TN (09/07/08)
I have recently opened an account at Bank of America. When I opened this account I was NOT told that any checks that I deposited were going to be put on hold for a considerable amount of time. I deposited a check, and looked at the reciept before pulling my car away to make sure they had the date it was and the amount, which it did.

Well I logged onto my account the following Thursday (a full week later) and notice a negative account balance. I call the customer service center and speak with a woman named Rhonda. I explain that I logged online to my account notice the negative balance, but a positive balance on the side. I told her that I looked at my deposit again and then noticed that they were applying a hold on these funds until one week and one day 5pm after I deposited this check. I also told her that I checked the bank that the check was from and it had cleared that Bank 2 days prior then me speaking to her. I told her that now I’m going to be having all of these overdraft fees, and is there anything I can do. She placed me on hold, and came back with that the Bank would as a courtesy to me, they will be refunding these fees, because the bank knows you need YOUR money. I paused and said Okay and was in shock that it was that easy. I Thanked her again and again because I was so upset that this had happened.

Come to today, and I speak to Monday, a supervisor. I explain to her what I had told the previous representative, and that I had admitted that I did not see the hold date on my reciept and Rhonda told me that not to worry all fees would be refunded. She said because the piece of paper they gave me stated the held date, it was there policy that they cannot refund my money to me. I was IRRATE! I asked her how that could be when Rhonda had just told me 3 days prior that the fees would be refunded. Well I was told by Monday that Rhonda was incorrect for telling me that, but I was going to have to pay the fees anyway. I asked if this was a practice to tell customers that fees will be reimbursed and than say oh opps she was wrong and not give them there money back. She then decided that she would try and tell me that I write checks fraduently (which I don’t), try to refocus that the Banks representative was in the wrong.

I have to pay $220 worth of fees, and my savings account is emptied out.

Felisha of Cartersville GA (09/07/08)
I am charged hundreds of dollars every month by Bank of America! I have acually been charged a 35.00 NSF charge for being short 2 PENNIES! This is crazy and something needs to be done about this bank stealing our money. I have 4 small children and they {Bank of America}, take food out of their mouth every month.

I have paid over 4000.00 in nsf fees over the past 5 yrs.

Wendell of Jersey City NJ (09/06/08)
I’ve had problems with BOA every since I first opened my account. I have since closed my account. In one situation a BOA customer service rep told me that she could block a company from taking money out of my account. I ended up paying $35.00 for the service and it didn’t work. They allowed the company to take the money out and I was out of $155.00.

Back in late May or early June I asked BOA to close my account due to all of the overdrafts and mistakes that were being made. On July 31, 2008 a income tax rebate was deposited into my account that I asked to be closed. BOA took the check as a charge against what they called an overdraft. How can an overdraft occur when I asked them to close my account over two months ago? How can they take a check that belongs to me when the account is supposed to be closed? How come this bank is allowed to continue abusing customers and who protecting them?

According to my calulations BOA owes me over $400.00. I am trying to get legal advice on how I could file a lawsuit against BOA. Those two problems are just two of the problems that I’ve had with this terrible bank.

Michele of Chicago IL (09/06/08)
I was at branch on 23rd Cicero. I went threw the drive thru to make a deposit. Place the deposit into the canster and i asked for the check to be cash and could i please get a balance on my account. The drive thru teller (javier) asked me for my I.D. i asked why know one has ever asked me for it be before. The Teller Stated if you want to know your balance i need to see some I.D. I said no just make the deposit and let me speak to your manager.

the teller told me to come in because it was another car behind me. i was so upset i park my car in the handicap space. came into the bank and asked to speak to the manager. When the manager explain the policy it came to my understanding that none of the bank teller are doing there JOB. I came into the bank to get the bank but instead the teller gave me a deposit slip. I tried to go back in to inform the that this is not what i wanted i wanted the balance they refused to let me back into the bank where my money is the guard threaten to call the police on me if i didn’t leave the bank, but the took my deposit but i couldn’t get good service.

the bank manager did say that she would have to talk to her teller to see what procedure are they using that for my protection they asked for I.D. I was trying to explained Know one has never asked me for my I.D. and why am i being treated like this. Today is 09/06/2008 and my deposit is still not in my account. I was banking at Citi bank switch bank. BIG MISTAKE SHOULD HAVE STAYED WHERE I WAS. I WILL LET MY FRIENDS, CO-WORKER AND FAMILY MEMBER NO ABOUT MY EXPERIENCE AT THE NEW AND IMPROVE bank of america THANK YOU

Richard of Banning CA (09/05/08)
On 09/04/08, I received a Bank of America check for services in the amount of $4745.00. I responded to the issuing branch to cash it. I presented the check with a valid photo ID and was told they would not cash a check in that amount because I was not a B of A Member. I was then asked if I wanted to open an account. When I declined, I was again told they would not cash it. I confirmed the check was valid, was issued by their branch, the funds were available and my ID was valid. I was told everything was in order but they would not cash a check in that amount because I was not a member.

When I asked what amount they would cash, I was told that information was confidential. When I asked for a written policy I was told there was nothing they could do and to take the check to another financial institution.

At considerable cost and inconvenience, I took the check to another financial institution which cashed it without incident.

Cindy of Conway AR (09/04/08)
Bank of America (BOA) offered Free for Life business checking accounts in 2004, for anyone opening a new buiness acct along with a debit card and personal account. For the past 3 years, every year all 3 accts get charged with $11 monthly service fees & I have to go thru the ordeal of calling or emailing the bank to have these fees credited. Every year, it gets more & more time consuming & difficult to get these fees credited - since they no longer offer a free for life business account. And then they tell me that they can only waive the charges for 1 year.

False advertisement & Deceptive Trade Practices

David of Gilbert AZ (09/04/08)
I unwilling let my account to go $10.00 negative because of my pay schedule changing. I noticed the change immediately and deposited $80.00 in the account to fix the problem. I went to the bank on Saturday Aug 30th the next day and spoke with someone there. They told me not to worry the charges are still PENDING (Definition: remaining undecided; awaiting decision or settlement; unfinished)and you have deposited the cash before it CLEARED.

Now I go on my short getaway. I used my card 3 more times knowing that I had money in the account. Now Tuesday Sept 2nd (over a long weekend) comes. The first 2 overdrafts they said not to worry about…well they charged me $25.00 for each instance (I also had overdraft protection on my AOPA card). I visited them again asking why this is. After a Ballet of BS which was just a ruse to cover their fraudulent fee practice.

Since they charged me $50.00 in fees I now had a negative balance( before they told me this could not happen because they where pending). Now I have 3 more fee charges to the sum of $35.00 each. Why the change? from $25.00 to $35.00. When I was speaking with someone there they informed me I had no overdraft protection! I HAD TO set it up when I canceled my other Visa card that initially had it and they transferred it to the new card.

I now cannot afford to pay my mortgage on time due to their ineptitude and fraudulent fee practices. This is theft, stealing.