Bank of America

BOA paid my taxes twice within five days which left me a negative balance in escrow. I have contacted Warren county treasurer office who advised that they never cashed the check and that they send the check back to BOA on January 30, 2012. I have address if needed. BOA was notified about the check being returned but as of today the 10th of February, they keep my escrow balance negative. I have closed on another loan but BOA can't be paid off until this is taken care of. BOA has even sent payoff check back to Midwest Mortgage. This is costing me money everyday while BOA has no recourse. I have for a week tried to resolve this and they really don't care. Please help in anyway you can.

My grandmother passed away on January 5th, 2009. Two days later, my father went in to Bank of America to close out her account. He was told that it was impossible. They claim that she's in debt. According to them, my grandmother had to pay her pension money back from the month before (seriously ** illegal!). My grandmother had saved every penny she had gotten from her pension after retiring, aside from paying rent and bills. My father has been fighting this for two years. He goes in today to try, yet again, to close the account.

They tell him no. They robbed a deceased woman's bank account. Every single penny of that money had been left to my father as the POA. First, he's told that she has to pay back the pension money that she had received the month before she passed away (illegal), then he's told she's in the red because she ran out of money and was no longer able to pay the "maintenance fees" (robbed her account and they are now attacking my father for the money) and are claiming they never received her death certificate (we have letters verifying that they received, we even have a letter offering condolences!). Do not, and I repeat, do not open an account here!

For the second time, it happened to me. I have an account with Bank of America almost 5 years ago. I used online banking to manage and monitor my accounts. 2 years ago, I noticed a $5.99 monthly maintenance fee. I went to the bank, and I talked to the manager. He said to me, "you asked to change your type of account", which I never did. They dropped the fee. Today, I was checking my account, and a $25 monthly maintenance fee was added to my account again. I chatted online with a Bank of America agent, because you can never talk to someone at the bank through the phone. He said they are charging me because I don't keep $25,000 in my account, which no one told me about before. Am I stupid to accept that kind of monthly fee? $300 a year is a complete rip off.

In 2012, Bank of America started charging my savings account a $5 "maintenance fee". Now my balance is in the negative. When I opened my account 10 years ago, I told them I did not want a savings account. I save my money at a brokerage firm that pays a higher interest rate and gives me access to my money through check writing.

Now, I am being charged for something I do not want? At the time 10 years ago, they told me they create a saving account with every checking account automatically. Bank of America was bailed out by me, a taxpayer, and now they are stealing my money. Everyone needs to drop this bank. I am contacting my congressman next. Why is our government helping this bank at the expense of other people's money? This bank is nothing but thieves and lairs.

I have had a B of A account for a number of years in good standing or so I thought. I had a credit limit of $1500. I was paying off the card for use during an upcoming vacation. I paid $1200 and checked my account online to see if payment had gone through. The payment was posted, but instead of available credit being $1200, it was only $500. I called customer service and was told my credit was reduced because of a poor credit report. Yes, our credit is not that good, but this was done with no advance notification. I am more than angry and want everyone to know that dealing with B of A is dangerous and can make you lose your hard-earned money. Do not open an account with them, you will be very sorry!

In November 2010, we were contacted by Bank of America and were told that they had not received our last two property tax payments, which we pay every quarter. They claimed that they paid in our place and were expecting us to send them checks to pay them back for covering us for these last two quarters. This was completely false. We contacted our bank, who printed out the July and October property tax checks and even provided the exact date and time that Bank of America cashed the checks.

For the next few months, we spoke to numerous B of A representatives, whether we were calling to correct the matter or they were calling us to harass us for payments we already made. Bank of America claimed that even though they cashed the checks, they could not find it in their system and that we still owe the amount of two quarter payments.

We were still trying to correct this previous error when we were told that, once again, our next property tax payment never made it to them. Once again, our bank provided us with a copy of the cashed check and evidence that Bank of America cashed it soon after receiving it. We have spoken to every representative and supervisor at Bank of America, we have gone to our local Bank of America branch several times, we have called 311 for help, and we have spoken to agents at the City of New York Department of Finance. All we get is the runaround and a mass of people saying they will help us resolve this matter, when it has gone nowhere for over a year. These 3 checks seem to have disappeared into thin air and yet the money is not in my bank account and we still owe B of A for 3 checks they have already cashed.

Bank of America is a ludicrous and corrupt organization. We have been receiving 10-15 calls a day from debt collectors about this matter. This is an abusive corporation that must be stopped.

I opened an account for my husband and me, a first account together in new residence of Florida. We just opened this account about 2 weeks ago and we are not very happy with Bank of America. We don't like how we can deposit a check in the ATM. We understand the hold but we don't like how that card we use at the ATM gets blocked longer than the check clears. So when we get a ride or a new car, we will be in to close the account. We are not going to have an bank account, and have a bank to stress us. We are going to look into Sun Trust or just a joint Walmart card because Walmart money cards don't stress me out and I know accurately what my account balance is.

I opened an account with Bank of America on 02/03/2012 with a balance of $3600. Everything seemed fine. Friendly staff, fast transaction, good to go. Well, the problem did not occur till Saturday, 02/04/2012, when I tried to use my temporary card to put gas in my card and the transaction was declined. I drove to the nearest ATM to check the balance and to my surprise it said the card had not been activated. This morning, 02/06/2012, I'm calling the 1-800 number and well within 3 days of having the account there has managed to be fraud activity in my account! Yes $800,000 worth! Bank of America doesn't know how it happened or what's going on. Now I'm pretty much out of all of my money till it gets resolved. So in very friendly words, yes, I am **. Bank of America is the worst bank out there. Do not, and I repeat, do not bring them your money or business!

I'm just disgusted by BOA. I opened up a checking and savings account 7 months ago, with the intent to move my banking over to a national bank, from my local credit union. Procrastination got the best of me, and though I used the account once in a while, I only maintained a minimal balance. Two weeks ago, I decided to make the move, so I went into my local branch, and made a $1,000 deposit in checking, and a $3,000 deposit in my savings. The checks were written from my local credit union account, and the checks cleared the next day. I even ordered 1,000 checks to prepare for my cut-over to BOA. After a short business trip, I noticed that the checks had not cleared. After 7 days, I spoke with the manager at the BOA Legacy/Independence branch in Plano, TX, and she told me that BOA felt my checks would bounce, so they were holding on to my funds for 2 weeks.

I told her the checks cleared the next day, but she said there was too much risk for BOA to release the funds. Later that day, I received 2 letters in the mail from BOA, stating they placed an extended hold on my deposits, because information indicates item may be returned. I told the manager to call my current bank to confirm my balances, and that the checks already cleared 6 days ago, but she said that would do no good. Needless to say, I'm closing my BOA account this evening, and never to return. I opened up a Chase account today, and they will release my funds immediately with a local check.

I withdrew 500.00 from the ATM, but was only given 380.00. I immediately went inside the bank and had to file a claim. I was told by Fakeed that if I stopped my complaint they would put the money back into my account immediately. I did not stop my complaints. After 5 days, I received my 120.00. After 5 days and multiple phone calls with rude managers like Eloy *** and Joel ***, I received a phone call from one of their CEO's, John. I explained that had I gone inside and conducted my transaction with a teller, this shortage would never have happened. John claimed that he could apologize for Eloy, but I did not feel he could. I have spoken to several people who pulled their accounts because of a similar incident with B of A.

After thinking that I was no longer incurring charges and all of my BOA account information was cleared out of various vendors that would debit directly, I received notice that my account was over drawn by over $1000. It turns out that something tried to debit but was bounced back and then incurred a fee. The item bounced back was then paid for by another credit card, yet BOA continued to charge and bounce it back, each time, incurring a $35 fee. Yesterday, I paid the outstanding balance in full and was told that no matter what, my account could re-open at any time if BOA tried to debit that charge, all the while incurring more fees! I received a letter that confirmed the closing of my account, but I called BOA this morning to make sure that no vendors had access and was told that the $1055 that I paid yesterday in cash was not marked or credited to the account, that the account was over a $1000 overdrawn but closed.

Explain that, and that it had to be reopened in order to credit the money that I already paid yesterday. They could not do any of this today. It would have to wait until tomorrow! In the end, I was so angry. Basically, I am being told that I cannot close my account, and that it will open up at any time if anyone attempts to debit at any time. This means that years from now, someone could mysteriously open my account and I might not know. I was also told that if this happened, I will not be notified! Not only that, it was suggested that I check my account (my BOA account that I am desperately trying to close) on a weekly basis so that I can make sure no charges are being incurred or debited. I am planning on taking legal action!

I had -$4 in my account so I deposited $20. I woke up the next morning and had three $35 charges for a returned check. I didn't have any out. It wasn't my fault. After three calls to BofA, they told me a $220 check from my account was deposited into my account. Why would I deposit a check into my own account? Anyway, two more fees that evening, a total of $117 in fees misused from my account for no reason.

So I went on the BofA site and chatted with Maureen. After 15 minutes of telling her I didn't deposit any checks, she said there was nothing she can do and if I didn't know how to use a bank account she could close it and send a cashier's check to whatever country I came from. I was insulted and asked to speak to her manager and she disconnected me and I called the BofA 1800 customer service number. Nobody had any idea who Maureen was or that I ever contacted them.

I lost my MasterCard. I called to report it lost but decided to request a stop be placed on the card until I could thoroughly search my home. When transferred to the Fraud department to place this hold, I was put on hold for over 25 minutes. I was at work and had to disconnect the call. The representative did call me back but stated that I need to submit my recent paystub, social security card and driver's license in order to release my account.

She then proceeded to ask if I had any other credit cards and did I do any other business with Bank of America. I informed her that Bank of America held my mortgage. I really could not understand what was going on when all I wanted was to put a stop on the card. She was rude and stated that she would transfer me to a manager. I held for another 10 minutes before she picked up and disconnected the call. I was then furious. I called back and the next representative was kind and transferred me in a timely fashion to his supervisor.

The supervisor claims that they received a report in the 90's that I was deceased. I didn't even know that there was a Bank of America in the 90's. I'm a first time home owner and purchase my home in 2011. If their records from the 90's indicated that I was dead then how did I obtain a mortgage and a credit card? The supervisor promised to contact me once she "straightens everything out". I'm still waiting for the call back.

This really stinks. How can they have received a report on me from 20 years ago when I was in college and did not own anything and never heard of them. This is insane and I just want to cancel my accounts with them completely. After all I'm deceased and should not owe anything!

I am trying to handle my father's finances, many of which are handled by BofA. My father is 76 years old, in poor health, depressed from the death of my mother, and broke. My wife and I are performing forensic analysis to see where all of his money went (which doesn't really concern this particular complaint). For this reason, I have a signed Power of Attorney (POA) so that I can speak on my father's behalf and attain all of the information that is needed. Recently I have started to get several phone calls each day from creditors looking to speak to my father or me. I talked to one in order to explain that these are my father's accounts and I, personally, do not owe them anything and to quit hounding me.

The woman informed me that I was listed as a co-maker on the accounts, so I did indeed owe the money. When I explained the situation, she was at least kind enough to tell me I needed to talk with BofA to get this issue resolved. When I contacted various people at BofA, I was finally able to speak with a supervisor who informed me that I was incorrectly input into the system as an 'Administrator' and not as a POA. She said that the signature cards indicated POA, so she could see that a mistake had been made. She told me I needed to go to a banking center and again explain what is happening and to make sure that they talk directly to 'recovery services' to remedy the situation.

Why am I spending days on something that is BofA's screw-up? I have yet to see it on my credit report, but it just doesn't seem that they should be able to get away with this. Because of it I have multiple creditors calling me daily and they won't accept my story as a reason to stop calling. Do I have any recourse and is it just another case of 'too bad for the little guy'?

On January 27, I was overdrawn a total amount $58 witch were bank charges and fees. Then the same day on January 27 in the evening, I made a deposit for $65 to cover charges from the bank. Later, I was charged another $35 for being overdrawn from previous charges that you people already got paid for. I don't understand this! You don't see the way the economy is and this bank doesn't even try to help their customers that have been with them for many many years. I spoke with a manager from Tempe, Arizona.

Her name is Andrea **. She was no help at all. She kept saying that those were the bank charges. After 5 days, that's all she keeps saying. I explained to her that I need help, that if she can give me a break and remove the $35 charge from my account. She kept saying "these are the bank charges!" I wish she could be in my shoes. I'm n disability, and that money could help me for my doctor co-pay but "No", no sympathy at all!

We worked with a loan modification company to assist us with obtaining a modification on our Bank of American mortgage. The process began in October 2009. On 11/2/2010, we faxed notarized documents to B of A Home Loans along with a cashier's check for the amount of money that was required to complete the modification process. To date, our mortgage account is not updated to reflect the revised payment amount and we continue to receive urgent mailings of modification packets via Fed Ex, phone calls, and incorrect payment billings. Although we are making monthly payments for the reduced/modified amount, we are not sure if we are accruing penalties and no one can give us an answer on this since their records are incorrect.

I regret to inform you that my recent banking transaction with Bank of America, Norwalk Boulevard Branch (California) was disappointing. There was a lack of customer service, and they have inefficient customer banking procedures. Bank of America, Norwalk Boulevard Branch (California) employee(s) failed to implement the core value of its company: deliver the highest standard of service quality to consumers.

Long story shortened, omitting relevant info. My college student daughter rented an apartment for a year from a landlord from hell who claimed he never received a certain rent check that I sent to the address he provided in Miami, FL. My daughter was in NV when he put a notice in her foyer changing his address to ME. He sued us in renter's court in Boston (I pay her rent). After all evidence was presented, the judge summarily dismissed the case in its entirety even though he never showed up after having started the case. The check he claims he never received and I was told by the judge I did not owe him anything further. I put a 'stop payment' on the check, which I was charged a lot for to do. This was in May 2001.

Yesterday, I received a notice from my bank that my account was in overdraft. Daughter has been out of this apartment for 9 months. This all around crazy man who knew I didn't owe him anything found this old check when he went back to FL for the winter. He tried to deposit it into his bank and they told him the check was too old and it had expired. He then went to a Miami BOA branch (he's not a BOA customer, I am), presented this expired check 9 months later. I'd long since put this ugliness behind me and forgot about him. This expired $3,000 check with a 'stop payment' filed and issued was presented to a teller on my account, that when presented, only had $475 in it. The teller gave him cash for it on the spot, sending my account into over-draft. I received that notice on my iPhone. I called BOA immediately and was told they paid him the amount of the check. He walked away with $3000 in cashnot a BOA customer.

Three reasons the check was no good; the BOA teller looked at my account balance as they always do when a check is presented for cash, coupled with the expired age of it and showing the stop payment order, approved and paid for. When I called about my over-drafted account, I was told they gave him cash because my signature on the check matched what they have on file for me. So this heister essentially robbed BOA and got away with it, aided and abetted by a teller who neglected to follow procedure. They expect me to cover an invalid check knowing their own teller was not supposed to have done that. They should have told this scam artist the check was too old and had expiredit had a stop payment on it and/or there were no sufficient funds in the account to cover it. I called several other chain banks, laid out the scenario and they were all shocked. BOA expects me to pay for the gross negligence of their own teller or perhaps he/she was complicit. Either way, I'm out a lot of money because someone ignored three big red flags. Outrageous!

I had one of the notorious payment increases and failed to receive my statement, so I paid the normal amount. They cashed my check and never applied the money to the mortgage. I caught the next month when I got my statement. I spoke with their customer service and they agreed to change the late reporting they had already sent to the credit agencies. A year and a half later I still show delinquent and I still have the letter saying it was to be cleared up. I contact them further and they tell me the letter and agreement were sent in error. Basically tough luck, go ** yourself. I have filed a claim with the FTC for violations of the FDCR. We'll see how that goes. If something doesn't happen I'll get an attorney and spend my life suing them. Bank of America is a sham!

I am a Bank of America customer. I went in the branch to deposit a $6.00 check made out to my son, and endorsed to me, into my account. The teller said rudely that he is not on my account, and therefore the check cannot be deposited into my account. I protested, "my son endorsed this check to me, therefore, it is my check!" The teller again rudely commented that it is against Bank of America's policy. Do I want to read it? I commented to her, "it is only 6 freaking dollars! Does Bank of America have a policy on customer service?" I tore the check up, and gave it to her, and walked out. Again, it was for $6.00! If the check was returned for any reason, it could be easily deducted from my account. There should not have been a problem.

I called for the Affordable Home Refinance program, and they told me they will call me back in 60-90 days. I may be in default by then.

Bank of America has placed a check image service monthly fee of $3 on my Platinum checking account. They claim that for the many years of banking with them, the fee was waived until now. They indicated that I can switch to not receive check images, rather, get the images online. Of course, less paper consumption is better for the Earth so, I opted for this.

They will not reverse the $3 charge. More importantly, how many victims are there of BofA that also do not know about the miscellaneous charges that they are tacking on their statements without consent? This is worth looking into for the good of all Bank of America customers.

I am a first time home-buyer as of January 2011 and have my home mortgage through Bank of America. For almost a year straight, I have paid my mortgage through automatic deduction. In the fall of 2011, my taxes were re-assessed and my mortgage went up. However, BOA did not inform me of the change in my mortgage. For several months, I was paying ''partial payments'' by BofA's standards; and due to the policy of BofA, my ''partial payments'' were subsequently being rejected and checks were being mailed back to me. To this day, I still have yet to receive any refunded checks for the ''partial payments."

BofA then sent my account out to collections and deemed my loan delinquent, starting foreclosure proceedings. After weeks of failed and dissatisfied customer service calls, I went into a branch to pay the full balance of what was owed for the months where my partial payments were not accepted. (Again, I'm still waiting on any communication and refunded checks that were supposedly stopped and re-issued multiple times.) To this point, BofA had 3 thousand dollars of my money held hostage. From November 2011 until mid-January 2012, this problem was ongoing.

Not only am I extremely dissatisfied with BofA and their mortgage department, but if I were someone who was not financially stable, my house may be in foreclosure as I write this letter. At the peak of the holiday season, I was without a considerable amount of money. Not only did I lose out on potential interest from this money, but I also lost out on personal financial security.

I want to highlight the customer service center of BofA and how worthless it is. On numerous occasions, I was transferred to a manager, only to have said manager promise to call me back. (Not one person from the payment research center called me back in 3 months!) Not only was this a problem, but communication in general was terrible between transfers; and on multiple occasions, I was told different things. I have since been assigned a case manager for BofA to modify my loan. (I did not ask nor did I need this.) Communication is key in this business, and BofA has failed to communicate internally and most of all to the client.

Due to my situation, I will never bank with BofA by choice, and if I had the option to refinance with another bank, I would do it in an instance. BofA should be ashamed of their internal communication and customer service department.

I have defended Bank of America because I like my local branch and the people who work there. This week I woke up to $811.77 missing from my account. I thought I had been scammed somehow but after many phone calls I found out it was Bank of America Collections. A business partner and I had signed up for a business MasterCard around ten years ago.

We each got our own card and account. When the economy went bad the business went bad and the accounts were closed with existing balances to be paid. I've been paying my card off with a small payment each month. My former partner became delinquent and Bank of America debited my savings account with no warning and no chance to debate or negotiate. My rent money was gone and I'm left $100 and a bunch of I'm sorry from bank employees.

My relative who is a high-functioning autistic young man, who fell down on his luck and ended up in a shelter, was victimized and scammed. He is not an addict or a thief. The director of the so-called shelter took him and several other guys to the bank to open an account with the pretense of making direct deposits from their day labor jobs. As soon as they opened the account, the suspect and accomplice ran off with the folder with starter cards and checks. They immediately deposited around 500 dollars and then started withdrawing massive amounts (negative and bouncing) on his account. One of the guys alerted him that their account had been hit, so my relative called BOA to put a freeze on and close the account. They told him they would and then preceded to leave it open! The scammers continued to charge gas, food, hotels, whatever after it was supposedly closed.

So now he's on the hook for this money. We went to at least three bank branches and was at the police station and BOA refused to talk with him being concerned they were on speakerphone. He was given the third degree and asked repeatedly to verify who he was, yet the crooks were still racking up his bill after it was promised to be closed that same day. File a complaint they said, but all the while they wouldn't give him the complete bank account number so that he could! Remember, the crooks had taken all that. He had to jump through all these crazy hoops, but the criminals didn't.

Claims department is unaccountable and even though they had two or three addresses, they kept saying they couldn't verify even when showing them a picture of his ID! I am so glad they are not my bank. Horrible customer service and no compassion. They first said to call back with police reports, then said you have to get a copy of it and fax it in. Next, he'll probably be told to get on a plane and bring it to New York City! Consequences has been two weeks of pure aggravation, driving him around all over town trying to clear his name and credit and he's still homeless with no job. Now, he doesn't know if his claim will be accepted or denied. Ridiculous and impractical policies.

They said I didn't send in paperwork on time, bull crap. They are scammers. You call then, they say that oh we have no phone number for you to be reached at. And who did you talk to? I could go on for hours. I guess everyone wants to lose their home that's because today BoA called me asking for someone else wtf lets get something right.

I lost my job some time back and got behind on my mortgage. I am gainfully employed. Bank of America told me I did not qualify for MHA Mod, however, they would not provide reason I was declined. They offered me a trial modification with a monthly payment of $2,430 per month, which represents 51.53% of my total monthly grow income for me.

I have filed numerous complaints over the last 6-7 months with the Mortgage CEO Office for Bank of America, CEO is Barbara Desoer. My original complaints were due to the fact that I was not getting Bank of America to assist me with a Modification. Then complaints continued with Bank of America saying they didn't received or have information I had given them for modification consideration. Then I continued to complain because the continued to proceed with possible foreclosure without helping me stay in my home.

Finally I received a trial modification asking me to pay $2,430, which represents 51.53% of my total monthly gross income. That is not showing attempts to help me stay in my home. That is not setting me up for success. Please help me. I prefer email contact at ***.

Every time I call, I have to punch in too many freaking #s and never get a human being on the phone! I have a mind to withdraw all my money because of their phone system! If I could get a person to talk, I could fix my problem in seconds. Label me pissed!

I just tried to open a checking account at the King of Prussia, PA BOA branch and was refused by the manager even though I offered my PA driver's license with my picture as identification and went home to get my social security card. When I was 18 years old I got my social security card. I am now 80. At the time I got my social security card, my name was Elmore **, Jr. I have been carrying the card all my life. When my father passed, I dropped the Jr. and became Elmore ** legally. Even though I offered a picture ID for identification, your manager in her extremely rigid interpretation of your own policy refused to open my $12,000.00 checking account. You may want to modify your policy or at least choose people with better judgment. It was an embarrassing and unnecessary experience. You lose all the way around.

I was using the ATM on 1/21/12 at 21:45 WNVN1151 Forum Shops Las Vegas serial# 6595 withdrawing $200. The machine roller for the cash was not working correctly. I was able to retrieve $60 of the $200 before the balance slid back into the machine.

A restaurant double charged me for a meal, so I contact the bank. After several frustrating calls, I end up speaking to a "claims" person. I am told that I will have to wait for some "forms" to be mailed to me. Once I receive those forms I will then have to mail them out and 90 days later they will make a decision! I have been robbed by a company, and I have to wait to get my money back? All the while that money is being held by the bank. In and of myself, it doesn't seem like much, but when you consider that there are millions upon millions of like situations going on just like mine, that means the bank is getting a no interest loan for 90 days. If I thought that pulling my money out of this bank would make a difference, I'd do it in a second. But in reality it won't make a bit of a difference.

Bank of America is an odious institution not worthy to occupy even a square inch of the building at 100 Federal Street, Boston, the building that once housed The First National Bank of Boston. I recently incurred a $35 overdraft charge, the first one since the account was opened more than two decades ago, when I made an error in effecting an electronic transfer of funds.

I went into the bank to explain the error and request a reversal of the charge. I was told to "wait one day" as the charge was in process of posting. I was told as well that if there had not been an overdraft "for some time", it would likely be reversed. I went in the following day, saw the same person, was told that the bank's "decisioning tool" would not permit the reversal and was told that a reversal could be made only in cases of bank error. I had already admitted to having made the error, so I must infer that my being told to "wait one day" was said in hope of my not returning.

There was no need whatever to run me back the second day as Bank of America had no intention of helping me or anyone else ever. The "decisioning tool" is a joke. Bank of America tells its minions to hide behind when requests such as mine are put to them. I doubt the "decisioning tool" has even helped anyone save Bank of America itself. I'm certain that consumers already know all that they need to know about Bank of America and what kind of an institution it is.

I offer this story only to help those who might deal with Bank of America to plan their arguments to deal with the joke of the "decisioning tool". "Decisioning" is not a word. It's the kind of invented speech scoundrels use to avoid responsibility for their acts. Bank with a community bank of credit union. Bank of America's stock is in single digits and the bank itself is in considerable trouble. They've certainly worked hard to get there. Bank of America remains the despicable institution is has been since its creation.

They took money from my available credit, because they said the growth was negative. I am angry, because they do not show anything on the monthly statement as to this withdrawal. Also, I did not receive a notice that this would happen. I have a line of credit, and reverse mortgage.

Bank of America charged me $140.00 in fees on 1/9 and they posted my support check ($758.00) on 1/10. When I complained they wrote that after reviewing my case they would issue a $35.00 credit. It's just utterly ridiculous! If they were in the right, then how do they justify the $35.00 credit--was it a gift? I also love the sarcasm "esteemed customer" and pointing out that my savings account was at zero! I'm a divorced mother of two working 24 hours a week while taking the prerequisites for nursing and my child support was over a month behind! I don't think the banks in general are in any position to make sarcastic remarks about managing one's finances! I have written to them several times to no avail! They claim they are justified and wrote the following:

"Please be advised the $758 credit from CT Child Support is an Automated Clearing House (ACH) transaction. After reviewing the ACH transaction details our records show that the credit was scheduled by the initiator to post on 1/10/2012."

Why would CT Support Enforcement make me wait till the 10th to receive money belonging to me? How convenient for BOA! According to CT Support Enforcement's automated service the money was deposited on 1/6. Now after paying bills I'm left with $40.00 in my account till next Friday, and I can't buy gas, groceries or anything else! The best part is that of the checks they "covered"--not one of them totaled $35.00. Bank of America's policies are the sad result of corporate greed!

May 2011 I have made 2 separate payments; one for $400 and another for $200. The bank teller that took my payments placed both into my modification late fee account, which I never requested! After several attempts to get this corrected, someone from their payment research department finally corrected the problem in September 2011. She reversed the $600 from that wrong account and placed it into my mortgage account. I thought that was it until I received a letter claiming that I must pay off that amount.

I called to complain again and I was treated very rudely by a representative and her supervisor. I still paid just my mortgage amount and declared my dispute to another rep. Now I received a letter this month that if I do not pay that $600, it will be an accelerated foreclosure. I need help. I cannot pay $600 for someone else's mistake. I have talked to 15 people and it is still not resolved. Please help.

I am extremely dissatisfied in my experience with Bank of America! It seems that every year there some type of error on my business bank statement and when I call and try to correct it, I get nothing but hassle. For instance, I called in recently (1/14/12) to fix yet another one of your errors and the customer service representative was so rude to me. It was ridiculous. Even after it was proven that it was not my mistake but that of Bank of America, she still continued to try to place blame on me. Also, she went so far as to ask me why I was frustrated.

How dare she? No one likes to have to continually go behind their bank provider and clean up the bank's mistakes. I am a business owner who does not have the time or the patience to deal with such disorganization. Why should I trust a bank that cares so little about me as a customer? Why should I continue to do business with a bank that treats me like a criminal?

I am behind on my mortgage. I attempted to file for a loan modification last Sept. 15. I called every week to keep an eye on them and to check the status. By Dec. 1, I finally found out that my case had not even been reviewed yet! Of course, now that it was 60 days past, I had to resubmit another application.

On Dec. 30, I got a letter from them dated Dec. 29, for the application submitted on Sept. 15, for more information that has to be submitted by Sept 30! And what was one of the items they were looking for was a November bank statement.

I have submitted another application but now we are 5 months into this and can't hold on too much longer. I hate this company and the wild process. There is no common sense and I swear that they just want to wear you down so that you give up and walk away. I wish there was someone I could complain to.

I opened a Bank of America credit card 123 cash rewards in November just knowing they will give me $100 and 2% and 3 % on groceries and gas, respectively. I never got $100 and I was told I should have done the application online. As a matter of fact, I was doing online application but called customer service to confirm if I will get $100 and was told I will.

I have had several issues with BoA over the past few years. First off, when I initially opened my account, they sent my checks to only God knows where. It took me close to two months to get them. Then last May, we tried to change my wife's credit card to her new name; instead, they deactivated her card because they thought she was trying to steal from them. A few months ago, as we all know, they wanted to start charging for the use of my debit card. Now, the biggest complaint to date is the last four months. My automatic bill pay from my Bank of America checking account to my Bank of America mortgage account (scheduled to come out the 12th of the month) has come out on the 6th, the 15th, the 22nd, not at all. Keep in mind the payment is late after the 16th.

Over the past three months, I have spent countless hours on the phone being transferred between Online Bill Pay, Mortgage and Personal Banking trying to figure out where the problem is and demanding the cancellation of late fees. They have wasted my time and have proven they don't care at all about their customer. I would move my mortgage somewhere else if it wasn't so expensive! Stay away from the BoA!

A couple of weeks ago, I deposited a check for $1,965.00, drawn on Wells Fargo. It was deposited to cover the next day's debits and was set to clear 2 days later. This happened with no problem. Two days ago, I deposited a second check for the same amount, drawn on the same account. The note in my account stated it would pay the next day's debits and clear the next business day.

I generated some charges on that next business day, but when I checked my account, the deposit information had changed, and it was now not to clear for a whole week. This will mean checks will bounce, I will be charged fees, and if re-deposited, will generate additional fees, all at $35 a pop. This, to me, is outright extortion. I called and they would not change it back, even though I had a previous check clear just 2 weeks earlier with no problem. Not extortion, I consider this fraud.

I wish I could do no stars but it wouldn't let me. I hired a moving company, USA Vanlines. Not only did they leave $1000 worth of my belongings, they contracted out to another company without my knowledge. They broke things, opened boxes, and took things. I filed a complaint with B of A who never sent paperwork to file out. They took $479 out of my account and sided with the mover who forged my signature in 1 spot and added money after I signed. So, the bank left me in the negative and told me to take it to small claims court, which proves to me they know there is a problem.

Requested pay off statements never came. Lost refinance closing date, lock in rate.

I am deeply frustrated with Bank of America customer service. Things happened like this. On Monday, Dec 6th, 2011, I deposited a $3900.20 cashier's check into my account, and then on Tuesday morning, Dec 7th, 2011, I called the bank to find out if the check cleared or not. A representative told me that it cleared. I asked her again if there were any ways the sender could cancel the check in the future. She was kind of angry, and stated that the check cleared; it was my money, and no one could take my money. After talking with her, I transferred some money to the sender by Western Union. After transferring the money, I found out the check did not clear yet; it was a fraud check.

As a result, the bank took the money out of my account. Consequently, I lost $3,366.20. I called the bank and sent an email to customer service to complain about this issue. Every time, I called the bank, I was on hold and transferred several times. However, customer service representatives could not answer my question. The question was the representative told me on Tuesday, Dec 7th, 2011 that the check cleared, it was my money, and no one could take my money. Why did the bank take the money out of my account? Bank of America made me lose money, but the bank was not responsible for my loss of money. Bank of America is not honest.

This palace only started harassing an elderly neighbor of mine after that neighbor pulled her $75K out of this bank. All of a sudden past due notices for a safety deposit box show up for which she didn't rent, a $25 monthly fee for checking for an account that had more than enough for free checking. What a bunch of jackals. A friend's daughter works here and when you call to ask them a little lee way, they look at your recent purchases and try to shame you into feeling bad about buying food or paying utilities on your CC.

My January 2012 statement showed an interest charge for "balance transfer". I haven't made or tried to make any balance transfers. I called Bank of America and they said they had no idea how it happened, but "it happens sometimes"! They removed the charge after investigating my account, costing me time and cell minutes. How often does this "just happen" and go unnoticed by consumers? It is outrageous and they should be fined. This is my money they are virtually stealing from me.

I am closing my bank account with Bank of America, due to the online checking experiences. I pay my bills using the balance that is shown for online banking. When I pay my bills the transaction indicates that the money has been taken out of my account with a large balance left in my account. A couple days later I have a negative account. I called BoA and spoke with a representative and was advised that the money was taken out online at the time of the transaction but, it takes the 3 days before it is taken out by the companies. This is not fair to customers, and indicates that we are being lied to. This has caused a hardship for myself and family.

My son-in-law lost his job 3 months ago. Contacted BOA for modification, they didn't qualify for that, then they went to a unemployment modification. As usual one hand doesn't know what the other is doing at that ** bank. The lady that was handling his case was on vacation, so other rep stated that my son-in-law called the bank and told them "to go to **", which never happened. What will this bank think of next? So now he received a letter regarding foreclosure. This bank needs to shut down. I lost my home in NY to BOA, had the house sold twice, via a lawyer and real estate agent. They foreclosed anyway and sold to auction for half the cost of what we had it sold for. Hmm go figure, government funds for foreclosures, sale of auction, the best part is that the house was sold to one of their associates from LLC Corp. Pretty neat setup.

This bank does nothing for the people that need modifications or help and all they care about is foreclosure. They should rename their bank, American Bank Of Foreclosures, bet that theirs is the highest. Oh and my son-in-law still has not found work. The family is trying to help, the BOA rep suggested that my son-in-law should rent.

I am retired and receive my money on the 1st of month. In December, I entered into the system on the 2nd my county real estate tax bill (Friday). The bank did not pay it until the 6th which put me late on the tax bill by less than 25 hours but enough for the county to charge me around $70 late fee with much glee. Upon checking with the county first which was a total waste of time as they wanted the extra money from me, I went to the bank to find out why it took longer to get the payment on time over snail mail. I was told that they hold it for four days and also that they do not do work on weekends. This means that US slow mail is much faster than online banking through Bank of America. Everyone, beware that this is their condition and can happen to you as it did me. It will cost you a fine.

Incessant harassment. They are calling up to 10 times per day until you can answer the phone and spend 10 to 15 minutes or more answering all their questions. That's every day as long as you're delinquent. I have been keeping up with the news but had no idea things had gotten this bad. My heart goes out to and prayers are with everybody who for one reason or another must deal with BOA. Concerning late payments, they will call every hour or two until you can answer at which time you must update all your info, including reason for delinquency, etc.

It's daily until you are caught up. I don't have time for all this and they should be happy that I am getting caught up. They will also send some Guido creep to take pictures and make a report. In the report is a question, "residence occupied?", to which in my records the answer is always "unable to make contact with occupant." No one has ever tried to make contact with me to see if anyone is even home. And the one time I saw someone taking pictures, I had to initiate contact.

Even after speaking with that person he still did not check off on "residence occupied". To top it off, the place looks obviously occupied. Next, on my "past due" there is an extra $1,000.00 showing that no one can explain for which I must call "payment research" for an answer. Next, on the $15 pay by phone charge. Since I have a BOA checking account, they will waive the fee but I always have to remind them that since the payment is coming out of my BOA checking account, there is no charge. Next, after my divorce the loan was supposed to be changed into my name alone which never happened. Now they say I need to refinance or get a court order.

Our equity loan was sold to BoA by Countrywide, we were never informed or sent a bill. We called repeatedly to try to pay this bill. No one could tell us anything until 3 years later when BoA tried to foreclose on our $650,000 property for a $7000 back payment. They refused to work with us and after countless hours of getting cut-off repeatedly we paid the full amount due just to settle it. That was November 2011 and I have not received a bill since. When I called to get my balance, they told me I am two months past due! I think they are purposely not sending a bill so that they can try and steal my property!

There is a not a "no star" choice, and I was forced to put one star in order to submit this. Yes, there are individuals who have to work at this bank to make a living, and I am not taking it out on them. The customer relations culture of this bank, however, is rotten to the core. Thinking that my siblings were being "taken care" of by Bank of America when our father died in May 2010, an account holder of 30 plus years, the bank manager at the Oglethorpe Mall branch in Savannah transferred his fairly substantial amount of funds out of his personal checking into the estate account, as we were told by BoA that we were required to set up.

We were beyond shock to find out that when they did, they left a small amount in the account and began charging a $20.00 monthly (debited) fee, because the amount was now below the "minimum" required for Advantage Checking. What?! They knew what kind of account this was in the first place. How about putting a hold on fees for a deceased account holder? How about changing the type of account to a regular checking, once they transferred the majority of funds out it to another account?

When I finally realized why this limited amount left in this account continued to shrink, I foolishly thought it would be a simple thing to rectify, once they realized their mistake. They had the audacity to say that I should have paid attention and closed the account on my own. What? This account was never in my name, and even as executor of my father's estate, they had told me I did not have access to it. They also told me, at the Atlanta Emory Village Branch, that I should take this up with the branch personnel in Savannah where the transfer was made.

So I closed the account then and there to stop the fees and finally made it back to Savannah to a branch that was not the exact branch I first started down the road to banking **. But I thought because it was my dad's personal branch, this could be worked out. The woman looked at me incredulously that we would even think that they should care my father banked with C&S then (whatever else it was called before BoA for 35 years) and said that I should have taken care of this before I closed his account. What?!

They actually pilfered the remainder of his Advantage Checking account! They stole it from a deceased person, by God. Absolutely beyond the pale. My sister was so outraged, as was I. We thought we were going to be escorted out by the security guard at the Savannah Mall branch in Chatham County. She flipped out her Premier BoA account checkbook and threatened that if they don't stop with the nickel and diming of their victims (aka "customers"), she was pulling out there and then.

We finally got the dense bank manager's attention who point-blank told us not to treat her like "our hired help" and also told us we would have to submit a request to look at any records over a year old. So by God, we made her do it. We submitted a request, and she saw the fees and said they made a mistake and she eked out a barely audible apology.

Now, reimbursing us will be another story. BOF finds things like this to be very complicated indeed. This may take another year to accomplish, because I know they are hoping we will go away and not bother them.

I had to open a HELOC to get the mortgage on my home, so I carry a primary and a HELOC through Countrywide. Every month for the past 5 years, I've made more than triple the required payment on the HELOC. Somewhere along the way, BoA took over the loan. I want to redo a bathroom in my house and called to ask how I can access the available balance on the HELOC and was told I need to refinance the entire thing, that the line of credit is closed and they only accept payments. So I've been paying this thing off for 5 years thinking if I need the money, it's there for me. Instead, my monthly statement shows an available balance that is not really available at all. Intentionally erroneous, misleading bill statements have to be illegal.

I received an email today stating my 1099 was ready for online pickup. I followed the directions to download my tax forms only to find it being held hostage. I contacted BAC and was informed that I was listed as delinquent on my mortgage even though I posted my payment on December 29, 2011 with the exception my institution will not release the funds to them until the 13th of January so in their money hungry eyes, I am late. And I will not get my 1099 form until then. Thank you, Capital Hill for saving these fools. On another note, if you ever need help from BAC, don't ask.

All they will tell you is to default on your note and come back in the month you did not make your mortgage and they will try to hook you up on the "Obama Save My Home Loan". Of course, if all you needed was a thirty-day extension like you can get on your car, not here. They'd rather see you lose your home than help. And again, thank you, Capital Hill for saving a group of idiots who only care about themselves and not the consumer. Hey, didn't we, the taxpayers, bail their ** out? Why does the government let them treat us that way? Wasn't it our hard earned money they begged the government for? That's gratitude for you. Say no to Bank of America and help us, the taxpayers/consumers, make them go under.

I tried to contact the bank through 18004231000, but I kept getting a busy signal. I called my local Abbeville branch. They were not very helpful, so I went to the branch. I spoke with Patrice **, a manager. From the moment I entered, I knew I was not a valued customer. I explained my simple problems. Ms. ** was not cordial or helpful. I never felt so helpless in a situation where I came for help. So I left the office, very unsatisfied with the experience. I am contemplating closing my accounts there.

I was at Bank of America on 12.30.11 Friday evening to deposit money for my brother's business. The teller that was assisting me always has a hard time counting large amounts. Before I go in, I am always prepared, I have the bank slip and the money counted. The teller was off 2k. Then we counted again and it was perfect. So I get a call today from the assistant manager and the manager said that the money was short so they will deduct 1k. I explained to the manager how she always has a difficult time counting the money but at the end we get it right. And I never have this issue with a different teller. Right there, the manager started pointing a finger at me saying I am wrong.

Every time I go to make a deposit in the bank I am never unprepared. He didn't listen to what I had to say. So later, I went to the bank with my brother. The manager started showing me that the teller was short and the manager accused me. He said the teller told her that I bullied her into depositing more money than there actually was. I asked the manager to count the money again and they found that she is over 1k. She did make a mistake. It's not the money that bothers me, but how the manager behaved with me. At the end he said he was sorry and we all make mistakes.

I opened an account with Bank of America a little over 30 days ago. I have direct deposit and have a clear good standing banking record. As of this morning, my account was closed with absolutely no notification of closure or why. I was told upon calling their information line that I was now in check systems and since I was in check systems, I could not hold a BoA account. I am due to be paid, via direct deposit, in 2 days and now, won't be able to stop the transaction. The bank has told me any funds in my account will be mailed back to me via cashier's check. Exactly how is it legal to simply close an account in good standing, with absolutely no communication to the account holder or even a warning, that they will close the account if I do not correct the error?

I know it's an error. I closed my original bank account with Umpqua Bank, after almost 6 years with them, because I am moving to a state where they do not have a branch. My account was closed in good standing. Where is it legal to simply treat anyone like they have no rights, especially where their money and well-being are concerned, and simply do away with them in such a way? They are actually causing me harm, since now, I have no way to pay my bills and will incur more fees for being late when I finally get my cashier's check and the outstanding paycheck that will have to be returned, and resubmitted to me in the form of a check, which could take up to 2 weeks. Thanks BoA, I wonder if you wouldn't mind paying my bills for the month and maybe keeping me from getting all those late fees? I really think they should be prosecuted. If I did the harm they do, I would be in jail. So why aren't they?

In the past year or so, I have been late with my mortgage payments. I have had some unfortunate incidents that prevented me from working (a broken wrist). Also, because of all of the work done on my home, I have spiraled credit card balances which I am paying off. My mortgage payments currently are up to date. They have never been more than a month behind. Late charges have been paid. I receive my social security check on the third Wednesday of the month. This month, I will pay my mortgage at that time.

Already, on January 2nd, 2012, I have received a call from Bank of America. This happens repeatedly each month the mortgage is late. I have until the 16th of the month before I am considered late. I not only get one call a month but at least three. I lost a son and had to travel to Texas for his funeral in October of 2010. This had a serious impact on my finances.

I always tell BOA when they will received their payment. It doesn't matter. I consider this a form of harassment. I am 73 years old. I don't expect any special consideration. I want the harassment to stop.

I tried to redeem worldpoints (55K) by phone only to wait 26 minutes to have my call answered. 39 minutes later, after being locked out of my account and transferred by Jennifer to authorization, I was disconnected. My father just had a heart attack, and I need to fly home, so you can imagine the frustration. I then went online, only to tell me after entering my information, that I had exceeded the number of tries, one try and one try only. Please verify my information and get back to me at **. It took so long that my cordless phone was running out of charge. Ridiculously poor service.

Bank of America is placing checks on hold without a reason, stealing my money for this period (about 5 days)! They say, "We make money available next business day." It is a lie! Once you placed it into ATM, you can't even get your check back--they say it is in process! I receive checks from this company for years! It's never been bad checks on my account! Last time it happened, they placed $4502 on hold for 5 days on 12/29/2011! Me and 5 families of my employees stay without money for the New Year Holidays!

I closed three accounts on 10/21/11 to cut down on the $5 debit card fees that I was sure to incur when the rules changed (I know they've since changed their tune). Just yesterday BOA posted a charge (I used the card last on 10/18/21) on one of my closed accounts. It's the end of December. I called them to ask them why they are posting charges to a closed account. If there were any pending charges (which there weren't when I checked before I headed to the bank) the customer service rep should have let me know.

There was money in the acct, and the rep transferred the money and closed the account. How can this happen? Now I see a -84.95 balance. I have online banking and for over 55 days there was no evidence that this charge existed in the account summary tab. I was laid off and that is a lot of money. Customer service rep. Abel told me that BOA can't tell me what time the charge went through to help me determine if the rep at the bank on the day of closing saw the allegedly pending charge. The supervisor, Ms. Ortiz, told me there was nothing she could do.

How can I get charged over draft fees for making an ATM withdrawal? How is that even possible? I had over $1700 in my account yesterday so I made three ATM cash withdrawals totaling around $1000. The money was in the account and the ATM obviously gave me the money. The next day, I checked my account and they decided to post a check onto my account before my ATM transactions therefore making my account go negative so they can charge me $35 for each ATM withdrawal. To top it off, they charged me an extended overdraft fee (if your account is negative for five or more days), but my account was not negative as of yesterday.

I have had the same bank account for over 13 years and have never had this happen. The past 2 deposits from an out of state bank over 3K have went into a "hold" status. I understand that the funds are not available to me until a certain time but should not be available to BOA either. BOA keeps putting the funds in and out of my account after midnight. Per the rep at BOA, she does not know why this is happening but can only assume that BOA is collecting interest on the funds during the processing times. This bank is stealing money and not just from me. Something has to be done. Please look into this for everyone.

As of right now, if you go into Bank of America to exchange foreign currency, they check the current currency book, to verify the bills are valid, and calculate the exchange rate into US dollars. At that point, if everything is valid you are given cash right away. Next, the bills are sent to the foreign currency department for approval. If it does not get approved, they call you, and ask you to return the cash they originally gave you for the exchange. This policy is never explained to the customer at the time of the exchange. If you ask for your foreign currency back, they will not return it. If you've already spent the cash, they will take the money from your bank account, send you to collections, or tap into someone else's account, if your name is on it. If you do not have the money in your account, they will still take the funds, and put you into a negative account balance. This way they can charge you NSF/overdraft fees daily!

Their response to customers is, "well, you should not spend the money right away. It is not our problem that you do not have the money to return". How can you give someone cash, and then 5-7 days later, call them and ask them to return it? I believe this is wrong! Maybe you should change the way you do business, and inform your customers on how procedures work. It might be a good idea to hold the money in an account for 7-10 business days, and get approval first from the currency department, before giving your customer cash? Once you get approval, then release those funds? If you don't work in or for a bank, how are you supposed to know? No one else should have to go through this!

As of today, we've been told that they shouldn't have given us cash, but credited our account first. In the "Deposit Agreement & Disclosures" form it states that you will receive a "credit" to your account. We were never given a credit, just cash. They told us it was our responsibility to hold onto the cash, and not spend it. I'm sorry, but who gets cash, and doesn't spend it? Especially when your told everything is "good to go" They've taken the money from my mother, and grandmother's bank accounts, to cover the funds. I am not on my grandmother's account, and yet they still took money from her.

Bank of America posted a potential negative report on my credit with absolutely no cause.

Yet another reason to not get another account at BoA.

On Friday of last week, I received my refund of my overpayment of my escrow account. I purchased this home in June of 2011 and told BoA that my taxes would be less than $100 as I am a disabled and they provide a large discount for property taxes. BoA stated that they wouldn't be able to do anything about it until my tax bill came due, and they had proof of it. No problem. I'm used to corporations feeling that they are superior to everyone, and that no one they deal with has a shred of decency or honesty, particularly bankers as they tend to spend time around other bankers and see such traits. BoA further stated that they wouldn't send my tax payment to the county until they received the bill.

In October, I received my tax statement (showing I owed $61.00 in taxes) and dutifully sent it to BoA (expecting them to receive it three days after I sent it, after all BoA states the same thing about anything they send). Apparently, in my ignorance, I didn't send it certified mail. In December, my wife sent an email asking if BoA had received the tax statement and paid the taxes. BoA claimed they did not receive the statements, but without any documentation of any kind, decided to send the full amount in my escrow ($3800-plus) to the county. They further stated that if I wanted the overage to be returned, I would have to deal with the county.

So I called the county. They stated that if they received an overage, they would cash the check, apply whatever is required to my tax bill, and then send a letter to BoA asking them what to do with the overage. BoA would then fill out a form, send it back to the County, and request the overage be sent to them. The County would then send the money back to BoA (presumably, BoA would not receive it, but just in case they did), BoA would then eventually issue me a check.

That scenario was entirely unacceptable, so I called BoA and spoke to a gentleman who took ownership of the problem. He corrected my tax bill. He corrected my escrow to reflect the correct amount of my taxes, and managed to get the refund check to me on Friday, December 23.

So now I took the check to the local BoA branch. After having to prove my identify through four pieces of ID, my wife and I got the check cashed only to be told that because we don't have a checking account with BoA, we would be charged six dollars. Now six dollars isn't going to break me, but let me point something out to you. BoA has my mortgage of $195,000 (not by my choice, but BoA bought it from someone else and presumably felt they could make a profit off of it). The interest rate on the mortgage is five percent. Over the life of the mortgage, BoA will profit nearly $100,000. Further, we have a credit card with BoA. Its interest rate about 9%. We use that regularly and rarely pay off the monthly balance. On top of all that, you kept my additional tax payment (of $3800) in escrow for six months, not paying interest to me on it. So here's what's bugging me. You can take the six dollar service fee, and stuff it so far up your **. You can further be assured, in the interest of full disclosure, I will contact every person I know, pass by, or can contact through email, telephone, telegraph, carrier pigeon, smoke signal, or hieroglyphics, and let them know my opinion of Bank of America.

I have been wrongfully charged service fees on my checking account multiple times for a total of $84.00. I was charged one fee of $14.00 in 2010, which was resolved with reinstatement of my money and then I was again charged two fees of $14.00 each and it was resolved back in Feb. 07, 2011. They again reimbursed me for their error. That was the second time they reimbursed me for their error and I stressed to them at that point that they should no longer wrongfully charge me service fees. Then I noticed that they again wrongfully charged me on 7/15, 11/15, and 12/15 for their same error. I complained to them and they again reimbursed me the error. I appreciate their quick reimbursement of their error via online chat, but quite frankly, I feel as though I need to watch them extremely closely and I feel as though I'm being robbed by my own bank.

Also, I'm concerned that this is happening as a regular banking practice (whether intentional or not, I do not know) and I think that if this has happened to me then it's probably happening to others. The question is, how many others realize that they are being wrongfully charged? I bring this to your attention so that you can continue to keep a close watch on Bank of America to make sure they fix this error if it's systematic and to hopefully avoid me from having to switch banks in the future because of this. They need to be held accountable. I told them that I would contact you this time and that I would close my accounts if this should happen again in the future. I am contacting you in order to follow through on my word. Also, they pretty much said that this wouldn't happen again. I'm certainly watching out for it.

Bank of America did not deposit a check written for cash (in a bank branch) for two weeks after I had left the country. When I inquired about the transaction, no one I spoke with could explain the transaction. After the initial international call with no results, I attempted to resolve the issue via online chat. I engaged in 3 different chat sessions, each one ending in the same manner. The agent could not resolve the problem and transferred me to a manager. On each of the 3 occasions, no manager joined the chat session.

I then made another international call and spoke with 3 different persons when I was finally told the charge was for a check written for cash (in the bank) over 2 weeks ago. No one could explain why the amount was not taken from my account for 2 weeks. I'm done. The only thing I'm grateful for is that I transferred my major banking to another bank when BOA threatened additional debit charges. I'm just sorry I didn't transfer all of my banking at that time. So long BOA!

They cannot process even simple payments correctly. I looked at my account online and the payment that I made at a Bank of America branch has been applied incorrectly. I paid the payment plus late charge and the late charge was applied as miscellaneous then unapplied. Payment was applied as miscellaneous then unapplied and then reapplied a day later. Late charge has still not been reapplied. It also has strange entries that I never made as miscellaneous postings.

They are nothing but a joke. I almost feel sorry for the fools answering the telephone because they don't have a clue what they are getting in to because they are not given the correct/valid information to use to answer questions intelligently. Total joke of a company.

I received a letter stating my current payment is $217.15 more than correct. I called and no one can explain it nor the mess on the account. They can just give you another number to call which will then go through because they won't know the answer either. The supervisor couldn't explain the letter or the fees either and said I was correct, but, I need to call another number. He had me fax in the letter because the correspondence was not in my file on their system.

On 07/06/2007 AT&T sold an original IPhone to me and explained that I would have to activate it in my home. The cost of the phone was $656.93. I paid for my phone with a Visa check card, not a check. I later found out that AT&T had given my phone number for IPhone to someone else and that I could not activate it at all. I attempted to return the phone but was told that there would be a 32% deduction from the price because I had opened the box. I later found out that both AT&T and BOA had cheated me. They worked together to steal the money in my checking account. Then BOA reported me to Check Systems. I have learned that Check System is on the payroll of AT&T as well as BOA. They are gangsters who should be in jail instead of reporting people. They steal lives.

I paid off my mortgage account on October 25th. I requested that my escrow be applied to my payoff amount, but my request was refused because I could not send it by fax. I could send email, but because that was not accepted they wouldn't do it. BOA went past the 14 required days to send out my check and supposedly sent on Nov. 13th. I never received it and requested a stop payment November 23rd. I was told I had to wait to November 25th. I called back on November 25th, spoke with a supervisor, and requested a stop payment and reissue of the check. I was treated rudely as if my request was inconsequential but I finally got assurance that he would do so and send it out. On December 5th, I received a call back asking if I wanted a stop payment and was shocked as that was the day I told the check would be delivered.

I spoke to another supervisor to issue and "expedite" the stop payment. I asked the money be wired. Again, they refused. I was told the process would again take 3-5 business days and that it would be FedExed. As I've been out of town, I was unable to call back but the agent told me it was just "issued" miraculously that day and not even sent out. I spoke to another supervisor who said she would send it out via FedEx and send me the tracking number. I informed her several times that it needed to arrive by Thursday and if not, I was going to be out of town until the end of the year. When I did not receive the tracking number I called back again. First time, after 30 minutes, I was told that the supervisor would "call me back" and I got cut off.

I never spoke to a supervisor and called back a second time. I waited another 30 minutes to speak with a supervisor only to be told they had no tracking number for something that was supposedly going out the next day. To add insult to injury, on Monday, December 12th, we received a letter stating our escrow balance was zero (before, supposedly the check was issued on the 13th). As of 6:33 pm EST on Dec. 14th, there is still no record of this check and I have spent numerous hours trying to track this down without any avail. Although I told everyone I will not receive it for two more weeks and risk a FedEx being stolen if we do not receive this by the 14th, there seems to be little ability to make anything happen. I have no check for $917 during a season where money is very tight. I have had to take valuable time off of work to resolve this issue (still not resolved). And I am on the verge of a total melt down, if it has not happened already due to my unending frustration.

Bank of America cannot seem to process my mortgage payments correctly. I agree to an amount, and after sending it in, and thinking I have paid my mortgage and late charges, they say I owe them additional charges. I recently discovered that they have been posting my payments in error. They credited an optional product, which was cancelled over two years ago. Now, I have to deal with two different companies. I still have to get my insurance checks cash, and I have to send to Bank of America. What a Mickey Mouse organization! They just bounce you from person to person to person on the phone, with no one taking responsibility.

Zero stars should be an option. I have to struggle to give BOA 1 star. Here's the best advice I can give. Send an email to **. His "customer advocates" have to respond if your issue/concern is in regards to how your account has been managed.

Molly ** started a petition on ** and was hugely influential in getting the bank to reverse its doomed and greedy $5 debit card fee. I have asked BOA to reverse a clerical error that should be simple to do. This has been going on since September and the bank is unwilling/unable to do so. If they can't correct a clerical issue, how are they supposed to manage our money and mortgages? I've taken Molly's lead and started my own petition on **.

I was served with a summary judgement by Bank of America. Upon reading the paperwork, they were suing me for an account which was not mine! They thought I would not show up and they would get a default judgement on a card I never had! Worse, was when the judge asked the lawyer if he was aware of the fact that the affidavit stated an account that was not mine, he replied yes! He was asked twice and both times he replied yes both times! Read your paperwork, no telling how many times Bank of America has won default judgments on knowingly wrong accounts!

I cannot get reimbursed for the damages that was repaired in my house. My insurance company sent a check for over $20,000 to do the repairs with my name and Bank of America. I send them the check and they send me $11,000 to start work on repairs. My roof was $14,000 by itself and I had all repairs done; paid all contractors with my money. An inspector came from BOA to check the house and gave me 100% complete.

I called BOA every monday for four weeks about the balance of the insurance check so I could be reimbursed. I fill out papers; fax them over. I called again and had to wait for.more paper to fill out in the mail. Two weeks past and still no mail from BOA.

I want my money back. This is still BOA house until my mortgage is paid in full. So, I want the money I paid to fixed this house and that the insurance company paid for. Can I send Bank of America a 1099 for the balance they owe me since they have the money from the insurance company?

I canceled a missing check online and nowhere did it say there was going to be a fee; yet my account shows a $30 cancel check fee! They did not disclose their cancel check fee so that constitutes fraud.

They have very bad service on refinance home loan. This is a poor place to do business, all they do is bounce you around and no one has any answers. It's now December and we did the paper work in September and still don't have any answers. Don't deal with this company.

Online banking - You check your available balance. It says you have money available. You pay your bills, check your balance, and it says it's taken away from the balance. Then a few days later, an emergency happens or you have to pay your car payment. So, you withdraw money and your balance becomes negative. You agree to a fee of $35.00. Then, not only do you get charged the overdraft fee that you agree to, but you also get charged $35.00 for all the other things the online banking said you had available and paid days before.

They say (BOA) the banking system puts it in order of dollars, not by days. So, the payments you made a week earlier will automatically get charged overdraft fees. It's misleading and not fair to anyone. The lady told me you shouldn't use it; it's only a tool. I was like "It's lying to the customer when it says what's available." She told me to download the app and I was like "Are you kidding? Your institution just charged me a couple hundred in fees for bills that your online banking said the money was there." She's like "Ma'am, settle down. It's only a tool." I said I was contacting a lawyer and ended the call!

I had major damage during Hurricane Irene. My insurance company sent a check for $38,850 for repairs. I am up to date on mortgage payment. Bank of America refuses to send checks to pay contractors who are 100 percent done the job. The inspector that BOA sent has issued papers to tell Bank of America that the job is complete. This is my money, not the bank's. They have lied on several occasions, stating that they have sent money. This is almost three weeks now!

I have faxed, notarized and had contractors fill out papers. I need someone to help me to let the public know what BOA is doing. They are collecting interest on my money and not paying the bills. The insurance company issued this check for my repairs. I, as the home owner, made every repair that was to be made. How do I get BOA to release my funds to pay the contractors? Contractors finished all work. They want their money for the jobs they were hired to do.

Can there be a negative star rating? My husband and I have fallen on rough economic times over the last year. We are 2 months behind on our mortgage, but continue to make payments on it. In August, we called Bank of America to request help. September 8, 2011, we submitted the HAMP paperwork. In early November, we received a "letter of intent to foreclose", so I called BOA on 11/15 to inquire about our HAMP paperwork, only to be told that we had been placed back on regular servicing without any further explanation. That rep advised me to call back to pre-qualify for HAMP.

I called back on 11/17/11, resubmitted all of the information that had been given back in September, and again asked the rep, "Why, if we already filed the paperwork, did we have to do this again? What happened to our paperwork?" He did some searching and found that BOA had indeed received our paperwork on 9/9/11 and that BOA dropped the ball in assigning us a case worker. He then assured me that he was forwarding our information on to a caseworker and that I should hear from someone within 72 hours or by 11/22. 11/22 came and the only phone call I received was from BOA "attempting to collect a debt". Funny. In fact, I received 5 of those phone calls that day, but not one from a case worker. So, I called them and again inquired about the status of our case. I was informed that I hadn't been assigned yet as the paperwork had only just been received via fax (huge lie! ).

So, while reviewing my information again, the rep was going to try to connect me to a caseworker, however he disconnected the call and didn't bother to call me back. On 11/26, we received another notification from BOA stating that they would proceed with the acceleration date if the past due amount was not received in full. On 11/28, I called BOA and demanded to speak with a supervisor. Supervisor Patrick did not offer up a single apology for all the deception and inconvenience, but instead, yet again, reviewed the information and told me that a caseworker would contact me within 72 hours, but that if by Thursday, I haven't heard from anyone, then I should call them. I also inquired as to why a year ago BOA told me it was acceptable to send a partial payment, but now they won't accept anything that isn't a full payment.

Patrick told me that the FHA won't allow the banks to accept partial payments. So I called the FHA last night to verify that statement. They told me that the banks have the right to refuse payments, but that in no way did the FHA mandate that. Bank of America has no concept of customer service. Instead they are staffed based on lies, deception, and are completely criminal in how they run a business. Action needs to be brought against Bank of America now to stop the injustices they are unleashing on all of us struggling, hard working Americans!

After months of deliberation, Bank of America authorized a short sale of our home in Indiana. We closed the mortgage of 7502 *** dr. Indianapolis, Indiana 46256 on January 6, 2010. In April 2010, my wife (Chris) and I started noticing our credit cards were being canceled. Our once high credit limits reduced and other peculiar alterations being made to our credit accounts. We reviewed our credit reports through the website www.annualcreditreport.com. My wife's credit report reflected a serious derogatory, reported by BAC/Countrywide Mortgage. I sent letters of dispute to each credit reporting agency (Trans Union, Experian, and Equifax) including our closing documents to show we did not owe the debt reported and to have the credit reporting agencies investigate them.

In the meantime on April 26, 2010, my wife and I received a letter of suit from Toae A. *** of the Feiwell & Hannoy, P.C. Attorneys at Law group, dated April 22, 2010. I immediately called the phone number attached to the letters. I was greeted by an automated recording requesting personal information such as social security numbers and so on. I left a detailed message including the loan # and file # stating we had closed this loan on January 6, 2010. I also requested someone from their office contact me by telephone within the next 24 hours. Within minutes of leaving the message, I began researching the internet for other means to contact Feiwell & Hannoy P.C. Attorneys at Law. Feiwell and Hannoy P.C made it very difficult to make contact with them. The only contact portal I could find to Feiwell & Hannoy P.C. was through a website called Lawyers.com. I emailed a letter with my contact information demanding someone from Feiwell & Hannoys office give me a courtesy call within 24 hours. Feiwell and Hannoy P.C. have never responded to our requests.

On April 27, 2010, I contacted Lynn ***, our realtor from REMAX who represented us through the short sale of our home. I explained our problem and in turn questioned her on whether or not she knew if the closing on 1-6-2010 had been funded. Lynn said she would get with Holly *** from the closing company (Chicago Title) to verify whether or not the funds were wire transferred and received. In the meantime, she suggested I speak to an attorney and referred me to her personal attorney, ***. After a brief conversation with Chris *** on 4-27-2010, she advised me to try and contact the short sale closing department of Bank of America.

On 4-27-2010, I sent an email to Stephanie *** and Andrea *** within the short sale closing department of Bank of America. I attached documents supporting the fact the loan was closed several months prior. I also gave each of them my contact information and a deadline to respond. I have never heard from anyone within Bank of Americas short sale closing department. To our disbelief, a few days later my wife and I received a summons of foreclosure lawsuit (49D14 10 04 MF 018380 Filed on 4-22-2010). We were appalled and shocked by the method of injustice that was taking place. We could not get anyone to listen to us or help us.

I spent several days trying to find an ear willing to listen and stop this wrongful suit. It was as if we were invisible to Bank of America, their counter parts, and associates. In the first week of May 2010, we received a response from Experian regarding the initial dispute letter I sent April 19, 2010. The response letter was dated April 30, 2010. We were shocked to read the credit reporting agency (Experian) said they had investigated our dispute and found the credit grantor verified the information and they (Experian) will not investigate our dispute again. Keep in mind, Experian spent but only a few days investigating this dispute and deemed it investigated thoroughly. Days had slipped by with no contact from anyone related to the wrongful foreclosure suit filed by Feiwell and Hannoy P.C. I discussed our dilemma with our realtor and our realtors attorney on numerous occasions searching for answers. They felt we should be able to resolve and correct this wrongful lawsuit ourselves. We finally realized we needed to try a different approach in order to get someone's attention just to listen to us and help stop the wrongful lawsuit that was filed against us.

During the month of May 2010, I sent complaint letters to as many public servants as possible including Florida's Governor, State Representatives, Indiana Governor, Indiana Attorney General, Federal Trade Commission, The OCC, the Attorney Generals office and others. We were unsure where we needed to go for support or help in this matter. I started placing calls to the corporate offices of Bank of America in Charlotte, North Carolina. Finally on 5/10/2010, after making several calls, I was able to speak with a David *** in the Executive Customer Relations department. He was courteous and attentive while assuring me he would dig into it right away. I explained to Mr. ***, how we are on the brink of financial ruins because of this mistake, not including our mental stress, fatigue, embarrassment, and the continuing loss of financial stability.

Within the same day, David *** called me back and said I was 100% correct and there shouldn't have been a foreclosure suit filed and the mortgage had been satisfied months ago. He said they would immediately remove it from our credit report and stop the law suit. Mr. *** advised us to get legal counsel but in the meantime he would ensure the mistake would be corrected. The mistake remained unresolved and the credit reporting agencies continued reporting it as a mortgage debt seriously late and in foreclosure.

On 5-19-2010, I located a fax number for the Feiwell and Hannoy attorney group and sent them a request for validation. I also composed and sent a certified letter to Brian T. ***, CEO of Bank of America, on May 19, 2010, explaining in detail our dilemma. Our letter was accepted by Bank of America on 5-21-2010. On 5-24-2010, we received and signed for a certified package from Marion County Clerk W-122 City County Building 200 E. Washington St. Indianapolis, Indiana. Enclosed in the package was an Alias Summons, filed on 5-19-2010, from the same collection attorneys, Feiwell and Hannoy P.C. Attorney at Law, continuing on their path of a law Suit.

Upon receiving the Alias Summons, I put a call into Mr. *** from Bank of America. After explaining the package we received, he responded by saying, "This should have been cleared up and he would check into it." I told him I expected and needed him to send documentation declaring this issue resolved. Mr. *** said he would send us what we needed in order to get this mistake resolved. Mr. *** did not send us documentation as requested instead the lawsuit remained intact and the credit reporting agencies still reporting false information.

In the meantime, we received responses back from several of the public servants we sent letters to during May 2010. All of the responses suggested we seek legal counsel but in the interim they would investigate our complaint further. In the first week of June 2010, we were referred and guided to Indiana Consumer Law Group/The Law Offices of Robert E. ***. On June-9-2010, we retained Robert *** to represent us in our pursuit to stop the wrongful foreclosure law suit against us. Mr. *** determined we had legitimate complaints against several parties and had us sign three separate Attorney representation and contingency fee agreements, spelling out the legal services he would provide for us. 1. Representation for violations of the FCRA by Equifax, Trans Union and Experian Credit reporting agencies. 2. Representation for violations of the FDCP by Feiwell and Hannoy P.C. Collection Agency. 3. Representation for violations of the FDCP, FCRA, by Bank of America (BAC).

We bundled all of the information and documents related to the cases and sent them to Mr. ***. As time progressed into late June 2010, we were informed through other sources than Mr. Duff that Bank of America had back dated and revised my wife's credit report to reflect the BAC account paid but still seriously late on payments for several months. I continued to keep Mr. *** updated by faxing him information such as updated credit reports, responses from letters I previously sent, and so on.

After several weeks of not hearing from Mr. *** or seeing anything being done on our case, we became quite concerned. We realized Mr. *** was not performing as we perceived. I asked Mr. *** to respond to phone calls I was receiving from David ***, a Customer Advocate in the Office of the CEO and President of Bank of America. These requests went on for days and days. After finally reaching Mr. ***, he explained he had medical issues and was unable to perform as we needed. Mr. *** did not fulfill his duties as laid out in the Attorney representation and contingency fee agreements we signed. We felt we had no other choice but seek new legal representation.

In early August 2010, we began searching the internet and yellow pages for a Law Firm capable of meeting our legal needs. Our goal was to find a law firm willing to represent us in all of our legal matters associated with the wrongful foreclosure case. We interviewed several law firms before I interviewed the Phillips and Garcia law firm. On or about August 10, 2010, I interviewed Carlin *** of the Phillips and Garcia Law Firm. I explained our needs for a Law firm and informed Mr. *** I was interviewing other Law Firms as well. Mr. *** explained in detail what he could and would do for us if we decided to hire the Phillips and Garcia Law Firm. Mr. *** explained his firms fee structure, while leading us to believe his firm was more than capable of handling all of our legal needs. We based our decision to hire Phillips and Garcia Law Firm on several key factors. Below you will find several key factors associated with documents to substantiate what Phillips and Garcia Law Firm led us to believe.

We were led to believe via their web site, they were a large specialty Law Firm specializing in wrongful foreclosure law and consumer law. Mr. *** suggested we visit their associated website (http://www.***.com/) in order to get a better understanding of Phillips and Garcia Law Firm capabilities and functions. After inspecting their web site we were impressed, and at the time felt their Law Firm was indeed a good match for our legal needs.

My wife and I assumed we found a Law Firm large and specialized enough to go up against one of the largest banks in the world, Credit Bureaus, and The Feiwell and Hannoy Law Firm. We were led to believe Phillips and Garcia Law Firm had expert staff members eager to seek justice for us. Several weeks after hiring Phillips and Garcia Law Firm, we were told we would have to hire our prior attorney in Indiana, in order to have sponsorship in Indiana Federal Court. We questioned the ethics in such a move and were told he was the best candidate because of his firsthand knowledge of the case. Mr. *** told us he had a co-counsel with staff members as well. His name was Joseph ***.

We were led to believe Phillips and Garcia law firm was financially secure enough to handle our affairs.

During the interviewing process I asked Mr. Phillips about their financial stability and Mr. Phillips said they were financially sound. He said they would handle all expenses needed to bring the cases in, and we did not have to worry about upfront cost as we did with our prior attorney. As time passed, we began noticing suits were not being filed in a timely fashion and the cases were not being given the attention they truly deserved. We asked Mr. *** and Mr. *** about our cases on several different occasions. We were brushed off and given incorrect information each time. We became highly suspicious after being harassed, bullied and threatened, stating we would have to pay for costs associated to the case if we did not adhere to what the defense counsel demanded. We then discovered that Phillips and Garcia Law firm was not as financially secure as Mr. Phillips led us to believe. Had we not been deceived from the onset of our attorney client relationship, our cases would hold more merit and value.

We were told we would have media coverage regarding our cases. During our initial interview, Mr. *** specifically talked about extensive media coverage he would afford us if we chose Phillips and Garcia Law Firm to represent us. He said he had media contacts in Florida who would love to air our story. He explained how our story would constitute leverage in our case as did other wrongful foreclosure cases he represented. Mr. Phillips told us he wanted to control the media coverage and make sure we were not misrepresented or misquoted. His website even promotes press and media coverage. We spent months upon months asking and pleading with Phillips and Garcia Law Firm to have our story heard by the media as promised. We were ultimately told that media coverage was not the issue in the litigation and we were not going to receive media coverage.

We were told our case was not media worthy and the Defense counsel was not concerned about the media, although every indication from the defense counsel suggested otherwise. We were again duped into thinking we would receive something viable to our cases; instead we were out and out lied to. One of our greatest deciding factors was due to the assurance Mr. *** gave us regarding media coverage. He said over and over how the media would add leverage and how invaluable it would be. He also said media coverage would go a long way in settling our case quicker. If we had known Phillips and Garcia Law Firm had no intentions of providing us media coverage as he promised, we would have decided on a different Law Firm all together.

We were lured into Phillips and Garcia Law Firm based on lies. We were led to believe Phillips and Garcia Law Firm would file suits on all aspects of our cases, specifically all three Credit Bureaus (credit reporting agencies), Feiwell & Hannoy P.C., and BofA. During our initial interviewing process Mr. *** told us, Phillips and Garcia Law Firm would file suit on and litigate all three credit reporting agencies (Trans Union, Experian, and Equifax) for reporting false information. He further explained how Phillips and Garcia Law Firm were equipped to handle all of our cases under one roof and how convenient it would be for us. Mr. *** explained how all of the cases tied into the initial wrongful foreclosure and the cases should be litigated separately/ together anyway.

Upon Phillips and Garcia Law Firm hiring our prior attorney Robert ***, Mr. *** stated how Mr. ***'s skill set would be better qualified to handle the credits reporting agency complaints we had. After months of continuously asking Phillips and Garcia about the litigation process of the credit reporting agencies, we were told Phillips and Garcia Law Firm did not intend on filing suit on the three credit reporting agencies and it was beyond what they were hired to do. We based our decision to allow Phillips and Garcia Law Firm to represent us because Mr. *** said they could and would handle all of our cases under one roof. We were very adamant about having one Law Firm represent all of our legal affairs. Had we known Phillips and Garcia Law Firm had no intentions of following through with what Mr. Phillips agreed to in our initial interview; we would have elected to not have Phillips and Garcia Law Firm represent us.

We were led to believe Phillips and Garcia would front all expenses and time associated to all of our cases. We anticipated and were prepared to pay attorney fees associated to our cases, but Mr. *** explained how the Phillip and Garcia's contingency fee structure worked. He convinced us we would be better off by working from a contingency fee structure in the long run. He pointed out that Phillips and Garcia would be able to (defer) front all associated costs and we would not have any out of pocket expenses to endure, until the cases were either settled or a judgment made, further stating, if we don't get you anything, we eat the expenses and the time put in.

We ultimately made our decision based on Mr. *** guided mindset of not having to be financially burdened by up front attorney fees and costs, thus giving us added comfort in our legal journey ahead. As time progressed in our client-attorney relationship, we were told we would have to pay costs associated to the Bank of America cases. We were bullied, and threatened regarding the notion that if we did not cooperate we would be out of pocket for expenses while causing us severe financial harm.

We were led to believe we would have the right to accept or reject a settlement depending on a disbursement sheet. Upon our initial interview with Mr. *** we questioned our rights to accept or reject a settlement offer. Mr. *** answered our concerns by stating how Phillips and Garcia Law Firm would provide an itemized breakdown (disbursement sheet), stating how this will allow us to make an educated decision on a settlement offer and we would have the final say whether we accept or reject an offer based on the disbursement sheet. Mr. *** made us feel comfortable in knowing we had the right of refusal or acceptance and we virtually had the last say. We were not afforded the right to review a full disbursement sheet even after we requested it on several occasions. The itemized breakdown (disbursement sheet) Mr. *** said we would receive has not been sent to us as promised. The issue keeps getting avoided even after a settlement offer was discussed.

A settlement offer was placed on the table for negotiation. Part of our demands stated all Attorney Fees were to be paid by Bank of America. Mr. ***s relayed our terms incorrectly by telling the defense counsel we agreed to settle for $2500 more than we originally negotiated, while omitting our demands to have Bank of America pay all attorney fees. The Defense counsel assumed all attorney fees were to be paid by their own perspective parties and wrote the settlement agreement accordingly. We assumed attorney fees were to be paid by Bank of America. Phillips and Garcia Law Firm did not present us with an itemized breakdown (disbursement sheet). Mr. ***s told the unsuspecting courts the case was settled. We were told we had to sign the false settlement agreement or be sued.

We were led to believe we would be provided with all associated documents per each case on a timely basis. Within our initial interview with Mr. ***s I shared with him one of our pet peeves with our prior attorney Mr. ***. I explained how my wife and I were detail oriented record keepers and we expected to receive documentation within a timely manner. Mr. *** assured me how his code of professionalism required him to get documents to us within a timely fashion. Documents of dire importance were withheld from us on numerous occasions and for several months. After asking several times for copies of our files, we felt it necessary to demand our case related documents.

When we explained to Mr. *** our intentions and needs for our case related files Mr. *** commented on how he never had a client so detail oriented and willing to investigate their own case files before. Phillips and Garcia Law Firm held files and documents for months without sharing or looking at them. We even had to ask Mr. Joseph *** if he was familiar with our cases on numerous occasions. Mr. *** used threats and bully tactics, while not having sufficient knowledge of what he was talking about. Mr. *** stated several times that he did not have the time to investigate the files (discovery files) related to our case, further commenting how he had tons of caseloads surrounding his couch at home. Mr. *** sounded genuinely surprised when we told him the defense files (discovery files) were mostly duplicated documents, while a small percentage of the documents in the files held significant keys to our case. We explained how we sorted through all of the unorganized documents and were able to find inconsistencies, only to be disbelieved.

In all essence, we assumed he only guessed what were in those files. We know beyond a shadow of doubt, if the files and documents had been opened and thoroughly investigated our case would have been settled long ago. We were led to believe we would be kept up to date on all facets of our cases in a timely manner. Upon our initial interview with Mr. ***, I discussed with him another pet peeve with our prior attorney Mr. ***. I made it very clear we wanted to be updated and kept in the loop at least once a week, whether or not there was anything new to report or not. Mr. *** assured me he would keep a constant line of communication open with us. We constantly had to ask for updates, sometimes going for weeks at a time before we would get a response.

On several occasions, we were scheduled to have phone conferences and to our dismay we were stood up. We would wait for days without contact from Phillips and Garcia Law Firm. We were kept in the dark regarding our cases for weeks and more at a time. When we questioned their tardiness, we were made to feel as though we were not entitled to regular feedback and even humiliated into apologizing for asking for updates. We asked Phillips and Garcia Law Firm to adhere to and respond to reasonable time constraints we placed on the defense counsel. We were told the time constraints were being honored all the way to the very end, only to find they were not. Had we known Phillips and Garcia Law Firm was not punctual in the line of communications we would have not hired them.

We were led to believe Phillips and Garcia would thoroughly investigate every aspect of our cases. One of the aspects Mr. *** offered was the ability to investigate the case load with the utmost knowledge. Mr. *** explained how his law firm specialized in wrongful foreclosure cases, consumer protection law, and several others. Mr. ***s explained how they would thoroughly investigate all avenues of our cases in order to add more merit to our cases. Phillips and Garcia Law Firm did not investigate our files. Most of the time we had to refresh them on what our cases was about. Mr. *** made comments on how he had never seen any past client investigate their own files as we did. Co-Counsel Joseph *** jumped into our caseload without having any in-depth knowledge of our case what so ever.

On several occasions, we had to ask if he even knew anything about our case. As time passed, we realized Phillips and Garcia Law Firm were not staffed with paralegals or legal investigators whatsoever. As far as we can tell, Phillips and Garcia Law Firm have no staff members at all, we have never had contact with anyone other than Carlin ***, Joseph ***, Robert ***. Had we not been deceived into thinking Phillips and Garcia Law Firm were staffed with legal experts, we would have not chosen Phillips and Garcia Law Firm to represent us. We were led to believe Phillips and Garcia would be in our corner and represent us accordingly. Mr. *** commented and explained how aggressive Phillips and Garcia Law Firm would be once they received the files from our prior attorney Mr. ***.

As time progressed during our relationship with Phillips and Garcia Law Firm, we noticed inconsistencies formulating within our cases. We asked several questions from time to time only to receive inadequate or no answers at all. We never saw any indication of offensive aggression from Phillips and Garcia Law Firm. We were always forced to adhere to what the defense counsel demanded. We questioned the roll of our attorney on numerous occasions. The roll of the aggressor never was never present from Phillips and Garcia Law Firm. We were continuously bullied by Phillips and Garcia Law Firm, especially Joseph ***. The same attorneys we hired to protect and respect us. We've been treated as though we were guilty of a crime and had no rights at all, when in fact we were always the innocent party. We asked to have our questions answered, (legal or otherwise) on numerous occasions, only to receive no answer, or at best incomplete arrogant answers. We still have unanswered legal questions, and we suspect we will never have them answered by Phillips and Garcia Law Firm.

At this point, we feel we would have been better off by not having an attorney. We were led to believe we would be given expert legal advice in order to protect us as clients. We asked for true legal advice on numerous occasions. We now understand some of the advice we were given was incomplete and not altogether true. We were duped into thinking Phillips & Garcia Law Firm would give us true legal advice throughout the course of our Client Attorney relationship.

While in the middle of a settlement negotiation Phillips & Garcia Law Firm told us, and the defense counsel that Phillips & Garcia Law Firm and Robert *** was withdrawing. On August 12, 2011, Carlin *** told the Magistrate assigned to our case that he would not represent us and from that point forward he would only act as a conduit for information purposes. The Magistrate agreed with him and mandated Our Attorney of Record would only act as a conduit. From that point forward, we had no legal counsel as mandated by the Magistrate. We were not given adequate or proper notice of withdraw. We were left unprotected and totally in the dark as to what we were to do next. Mr. *** went as far as to say he would testify against us if we did not sign a false settlement contract the defense counsel had generated.

For weeks Phillips & Garcia Law Firm and Robert *** had refused to give us legal advice. We recently asked Phillips & Garcia Law Firm and Robert ***, "Who is the Attorney of record?" We have no legal notice of withdraw from Phillips & Garcia Law Firm, or Robert ***. Had we known the deceitfulness of Phillips & Garcia Law Firm and Robert *** we would have steered completely clear from them. We never asked to be treated in this manner. We only asked to be protected by wards of the justice system.

We were led to believe Phillips & Garcia Law Firm would be our primary Attorney of record. From the onset of the relationship between Phillips & Garcia Law Firm and us we assumed they were our primary attorney of record. We now find we had been deceived into thinking Phillips & Garcia Law Firm was handling all of our affairs. We now realize Phillips & Garcia Law Firm is not licensed in the state of Indiana. We were told Mr. *** was brought in as sponsorship into the Federal court in Indiana. We were not afforded the opportunity to be represented by an Indiana licensed attorney. We were taken advantage of from the onset of our relationship with Phillips & Garcia Law Firm. Mr. Robert *** has never stepped up to the plate to give us legal advice throughout our relationship with Phillips and Garcia Law Firm. We have asked him questions and he continues to stay silent, even though he is one of the attorneys of record. We have been taken unfair advantage of and the whole masquerade of Phillips and Garcia Law Firm has tainted our trust in the judicial system.

We were led to believe Phillips & Garcia Law Firm could represent us no matter what State we were from. The website of Phillips & Garcia Law Firm indicates they will represent clients no matter what state they are from. This is in itself deceitful when in fact they have no clue what the law requires from state to state. We never had an opportunity for honest representation from an Indiana licensed attorney. Instead a conflict of interest existed between us and Attorney Robert ***. We severed ties with Robert *** several months ago. Phillips & Garcia Law Firm hired him back knowing very well why we severed ties with him. We were made to think Mr. *** would represent us with good intentions, when in fact all indications related he was angry with us for letting him go. If we had known Phillips and Garcia Law Firm was relying on our previous attorney for a sponsorship in the Indiana Federal Courts we would have not chosen Phillips and Garcia Law Firm to represent us.

We were led to believe we had a secure case against Feiwell & Hannoy P.C. Mr. *** told us Feiwell & Hannoy P.C. (attorney group who initially filed a wrongful foreclosure suit on us in April 2010) was seeking to settle as per a prior email. The email dated July 12, 2011 stated; (Feiwell & Hannoy is seeking a demand to settle the second case. Damages in the two cases cannot overlap (i.e. you are not allowed to double dip and ask for the damages twice). Settling both cases at the same time would appear to be advantageous. The second case is valued at $5,000. We are seeking permission to make a demand of around $15,000 to $20,000 in that case to see what the defendant comes back with. ) We gave Mr. *** our permission to proceed at $30,000.

We never heard anything further regarding the Feiwell & Hannoy settlement. We later assumed this to be a lure, only to get us to settle with Bank of America. We have questioned our standings with the Feiwell & Hannoy case on numerous occasions. We received an email from Carlin *** dated September 27, 2011 stating this case now has limited value. And the Attorney of record Robert ** is seeking to withdraw. This whole masquerade has caused us added stress and grief beyond imaginable belief. Mr. *** made empty promises not only verbally, but also in writing. We've asked Phillips and Garcia Law Firm to submit settlement offers on numerous occasions and he has not, he has refused to submit our offers. Now we find Phillips and Garcia Law Firm, Robert ***, and Joseph *** has submitted a withdrawal, directly from the advice of the Magistrate, and to be effective by October 28, 2011. We've received letters from the court/Magistrate stating Phillips and Duff no longer represent us, but the defense counsel said they are still the attorney of Record. We are very confused and bewildered.

This whole case has been botched from the very start by misrepresentation. We put our trust into the legal system and were never afforded the opportunity to be heard and respected as the innocent parties. This malpractice has affected our lives in ways that are unimaginable. We've constantly, day after day been forced to endure an emotional roller coaster ride, our financial stability has been shaken to the point of no return, our emotional stability has been totally wrecked, our physical and mental stability has been misused and weakened, and our marriage has been tested in ways that are unacceptable. A day does not go by without a conversation about this travesty. It has virtually taken over our lives. We have lost social acquaintances because of this. These are but a few of the reactions from the unorthodox and unethical actions the legal system has forced us to endure.

We know this may sound as if we are fabricating and exaggerating a story but we can assure you we have been truthful and can substantiate every detail associated to our complaint. Should you have any questions, please contact us at either email: ***@aol.com , phone# xxx-xxx-xxx or home address xxx *** Naples, Fl. 34104.

I have been a customer of Bank of America since 2003. Since Dec. 2010, I have fell on hard times and have been unable to pay my entire balance every month. As of today, my balance was $1350. I contacted Bank of America to see if they could lower my interest rate of 9.64%. The Credit Analyst Department asked me some questions about my current financial problems and my income. After informing them of all my information, they informed me that I am at the lowest possible interest rate and that due to my current income they would have to lower my credit limit from $12,000 to $1,400, which leaves me with $50 left to spend before reaching my limit. I called them back and the person informed me that she cannot undo what this person did and I should continue to pay on my bill and contact them in 3-6 months to see if they could increase my credit limit. So I will be paying off this balance until I can transfer it to another company that won't do this to a customer of 8 years.

Bank of America purchased our mortgage a year ago. From then for 5 months, they harassed us about not having property insurance, when we had it from our our original mortgage. They harassed us for not paying the full mortgage with their own imposed insurance premium, until they realized their mistake. Now, they raised our escrow without informing us as my monthly mortgage payments have been on a regular monthly draw.

The harassing calls for the last 14 days about our mortgage payment being late has begun. The collection agency told me that we owed $134.95 extra plus late fees, when we weren't late with the original payment. I agreed to initiate the $134.95 instantly from my online payments. 2 days later, we started and are still receiving calls about being late with our payment for not paying our mortgage because now, they said they sent our mortgage payment back by mail and still owe late charges.

Bank of America is being incompetent again and has done wrong and harassed my wife every day over their mistakes to inform us properly, and not acknowledge our regular timely payments.

I was a long time customer with checking and other accounts there, but not anymore. I needed a signature guarantee, but they refused unless the account for the signature service I needed was moved to them (it was a probate issue with another bank). The credit union across the street had no problem with the request. BOA's only focus was moving the probate account to them, not in helping a customer of long standing.

Bank of America has an unbelievably poor and wretched customer service. What a joke of a company! They blocked my ATM card and did not bother to notify me. They supposedly sent me out another card. It never came so I called them. They promised to block my ATM card and send me another one. I called back 3 days later (today) to check. The card had not been blocked, and no ATM card had been sent out. I received misinformation upon misinformation (actually lies), and any apologies which were worthless as people continued bot to do their jobs. I am leaving this sorry excuse for a bank as soon as possible.

This is the most dishonest bank. They tag a fee of $14/month when the balance in the checking drops below $1,500. I was not aware of this practice and was furious when I found out. It is a horrendously high charge. I closed my account and will never, ever deal with this bank. I hope they will go bankrupt.

I left USA due to job cut and I was laid off by my company, but during my last week I had discussion with bank to close the account, they said don't close, we wont charge you anything if you don't use or maintain certain amount. So I left the USA being jobless for last 6 months in 2008. I use to receive monthly email statement, I check few months, and stop checking them as there was no movement.

This way I passed around 3 years, and I came back just 3 months back, and during my salary deposit I realize that in last one year they charged me around $175+ from my kept balance so that I can use when I will be back. It was my hard earned money during job cut and it was taken as maintainability fees by BOA. This is only for 1 year. I don't know how many more months prior to this they might have charged me.

When I complaint, no one has any clue why this happened and when I asked money back, they are rude and careless about customer's pain. God will give you the return now BOA - Let's see how much you can earn like this.

One star is too generous when rating Bank of America.

As the US turmoil against unfair distribution of money takes place at Wall Street, I have read numerous complaints regarding customers who are complaining about BoA's ridiculous practices and how they ripoff customers by reordering/rearranging the transactions to cause customers to pay more money in overdraft fees and funds. I have had services with a company called Clear for internet and VOIP. Recently, I contacted BoA to dispute $1,138.71 in charges which they refused to do. They agreed to dispute $832.50 and promised to mail to my home the cardholder claim statement, which never arrived to my house. I thought that all was well since BoA did not contact me to inquire. However, on 10/18/2011, I noticed a credit reversal and I immediately contacted BoA to investigate.

I requested the document to be sent immediately and the representative refused. I continued to dispute and call until someone decided to fax it to me from Arizona. The individuals I spoke to reassured that the charges would be reversed, however, I was later told that I would have to wait until December 9th for the results. The horrible reality of it all is that my SSI check was swallowed up without remorse and I, nearly 60 years of age. My rent had not been paid and I was told by an investigator named Eleanore that I was only receiving $316.49 from the $832.50. This has set me at a disadvantage because I am nearly $400.00 short for my rent. Do you think Mrs. Eleanore cared? She did not! She had the audacity to use sarcasm and ask why I did not report sooner knowing I had access to my bank statements. BoA workers are imprudent and relentless with customers. They disrespect the elderly and disabled openly and without care.

This company should be highly monitored and thoroughly investigated. I reported Clear for several reasons and made sure that I was clear of why I was disputing such a large amount. The company deceives customers by offering phony promotions are ridiculously low prices and after sign-up, the prices are sky-high. In one phone call, the representative was impersonating a criminal investigator which is against the law. I did let BoA know all that I was enduring and that I had paid for services that were inoperable. I had also contacted Clear to dispute charges, which they refused to refund. BoA's only concern is to rip customers off by any means necessary and I am fed up with their shenanigans. My subsidy is my only income and now, I have to go to bed thinking how will I pay the second half of my rent and other bills.

Thanks to BoA, I will possibly be taken to housing court. I will be more than glad if a lawyer contacts me so that I can sue BoA!

I filed for a home mortgage at BAC and received a pre-approval notice with no problem. I submitted all the appropriate documentation necessary to purchase our home. I started to become suspicious when every other day, they would ask for something new. I provided them with everything they asked for signed, sealed and delivered; tax returns for the past two years; w2's; pay stubs; proof of child support; sons birth certificate; letter of employment; copy of financial statements; (all assets), which some are held by (BAC); proof of residence; employment letter; everything they asked for I provided.

You would think I was asking for $1,000,000.00, no, just $160,000 for my home, which I was putting down 20%. Finally, when they couldn't find a legitimate excuse to deny the loan, they said that my fiance's business was not in good standing. This is not true, his business is viable (they should know he has a business account with them).

BoA is in the business for cashing post dated checks prior to the date on the check. I had a rep by the name of Mike who constantly cut me off and tell me it was irrelevant that this happened and cost me fees. Now had I gone to the center and tried to cash a check prior to the date, I will get turned away. I spoke to a supervisor and she declined to credit the fees, and tried to tell me they can cash a check before the date, if I didn't want it cashed I can do a stop payment. How do you do a stop payment for something that is cashed, or you do not know is going to be cashed? That makes no sense.

BoA is licensed to steal. They are the absolute worst. They assessed me a 16.6% (scam) "reserve requirement" to my escrow on my mortgage. This "reserve" is not required nor was it requested. They decided out of their own kindness to take my money hold on to it for me in case they need it! This of course caused my monthly payment to go up, thus, when I sent in my payment, it was not the full amount to which they stated my payment was non-existent and assessed me a late fee as well. I spent two hours on the phone getting this straightened out! I had to demand that a non-required fee, which I never requested be removed and demand that the late fee be removed as well. Are you kidding me!

When are the American people going to wake up and vote? Banks are allowed to operate this way by the politicians we elect. Unregulated banks will continue to get you! Bank of America is a crooked corporation that is made legit by our government officials. This is a wonderful country which we are allowing to go to pot by continuing to focus on what car we drive and GTL. Vote, people and stop the rape of the average American by banks! Where is our bail out?

I started my request for assistance under the Home Affordable Modification Program that President Obama signed into law in March 4, 2009, to help homeowners from losing their homes to foreclosure. This program's guidelines and rules are very clear and simple but Bank of America seems to be very evasive, elusive, and refuses to abide by the rules and guidelines of the program. So far, I have submitted my petition for a modification since December of last year, submitted all the required documentation and satisfied all their conditions and request, several times. Bank of America, N.A. continues to request the same information over and over again; I have escalated my request with appeals with their senior account managers and they continue to be very evasive and refuse to work in good faith with my request by changing customer relationship managers several times. Just in the last 45 days, they have assigned 4 different relationship managers to my account.

Every time they assigned a new person to my account, they want the same information to be re-submitted again due to the fact that according to them, my information is too old and it has expired (no wonder it has expired; they keep delaying the process by not reviewing it and swapping reps every 10 days). This is a clear violation of home owners rights by this entity. They have been deceptive, misleading in every way possible so as to keep continuing to be evasive and refuses to comply by the rules and guidelines of the HAMP Program. I also want to complain that this Bank's assigned agents and supervisors disconnect their direct telephone numbers so that when owners try to call the assigned representative, it gets routed to several departments and by the time you get to someone to share your unfortunate events with their company, the only response you get is "We apologize for the inconvenience".

Wait a minute, I've been told this for more than 33 times and not having my case resolved doesn't really count, does it.? Bank of America reputation in regards to be compliant with Federal and States Laws is a joke. For me, I am so in despair to the point that I cannot sleep every night nothing more clear example is that the time I am writing this complaint it is 5:25 am. I go to work at 9:00 am but so far I can not sleep since I received a Fedex package letter inside stating that if I do not provide all the updated information for the 11th time now by Monday, 21, which was yesterday that my case will be considered closed and terminated.

Not again, this happens over and over. I requested the help of my nephew Angel to help me with this since he is a Private Investor and has experience with mortgages. He himself has stated to me that he has already escalated my case several times and that he was told the same things I was told and that in his last conversation and complaint with Bank of America, he gave them an ultimatum in regards to their bad faith and that he was going to have me file several complaints with different government agencies. The customer relationship manager at that time tried to fix the issue at hand and promised to have it resolved by 11/10/2011 and that he, Joe ** was going to give him a call no later than 11/15/2011.

My nephew also asked if there were any additional documentation required and Mr. ** from Bank of America said no, that according to what he was able to see in their imaging system, it seemed to be a complete package with all required documentation. Well, my nephew never got a call from this guy and I found this Fedex letter at my front door on Friday 11/18/2011 stating that all the same information is required again by yesterday or otherwise my case was going to be closed. No ** way.

penalty, although I have given sufficient time to process my request.

For the past two years, my husband has had an automatic debit being taken out for some obscure insurance by Bank of America to the tune of $19.00 a month. I have called the number shown three times over the past two years to have the debit stopped, without any luck. Last week, my husband called them and demanded to stop debiting the account. He was told he had "signed up" for this accidental death insurance and they could not just cancel it. They agreed to send him a copy of the policy which was to include start date and a list of coverage.

A week later, he received a piece of paper in the mail from BA that appears to be a sales pitch for accidental hospital Insurance, with a list of coverages. It's an enrollment form. We did not ask for this. It also states that the coverage would begin once we signed the form and sent it back in. I held onto it, with absolutely no intentions of signing anything. One week later, we received an "activation form" from BA reminding us that we had not signed the form, please return, etc. I have no intention of signing this.

Today, I received a nice letter on Hartford letterhead that tells how "lucky" I am to have this new insurance, at no cost for 2 months. It goes on to tell me that at the end of 2 months BA has "arranged" for my monthly premium of $14.40 to be automatically debited from my account. This is a pure con and swindle. It's not bad enough that they have already been stealing my money every month for 2 years now they want more. They have access to my checking account and are stealing my money without my signatory which would allow it.

I am so close to hiring an attorney, it's not even funny. It's no wonder BA execs are so rich if they perpetuate this kind of swindle to every person who has an account with them. Frustrating because they are willingly taking my money without my consent. Needless to say, we are closing our account on Monday and this is after 25 years of banking with no one but them. By the way, I called them this morning, BA tells me to call Hartford, and Hartford tells me to call BA. In both cases, I talked to Indian account reps with broken English at best.

I lost two family members in a fire at my home in Somerville. I thought dealing with Wells Fargo (my mom's reverse mortgage lender) was the worst experience I could have. That is until I found out that Bank of America apparently took over some mortgages from a prior mortgage company that my mom paid off and has been stalling, making poor excuses and just overall poor service for me to just get a piece of paper from them to close out the sale of the home where my mother and brother died in a fire. All Bank of America has to do is sign a piece of paper. I have been waiting a month for this one piece of paper. Bank of America, you are incompetent. When it comes to taking people's money you're all over it, but if someone needs something from Bank of America they don't care. They do what they want at the other person's expense.

Last week, after checking my other bank balance online, I visited a BofA ATM (it was convenient - my bad) to withdraw cash in a much lesser amount. The ATM informed me that my balance was insufficient and asked, very nicely, if I would like to know how much money I had. I hit the "yup" button and a paper spit out revealing a lesser sum than my bank said I had available. So I asked for a smaller amount (less than what the BofA ATM said I had available) only to get yet another "insufficient funds" notice on the screen. I, dumbly, said "Okay, give me $40." The ATM complied.

Later that night I went online again and checked my available balance. It was well in excess of the amount I had originally requested. And now there were four charges against my account; two $2 charges for insufficient funds, one $2 charge for an ATM balance inquiry, and a $3 charge for a successful withdrawal. I called my bank. They were apologetic but said they had no control over what BofA did and that I had had more than sufficient funds to cover any of the requested transactions and that, furthermore, I was allowed one transaction without fee per pay-period against the BofA ATM. My bank was nice enough to temporarily credit my account $9 pending a response from BofA but the guy I was talking to said "My advice: Don't plan on BofA acting favorably on this, it's happened before and they haven't, and try to stay away from their ATM's." Point taken and I will.

Several days ago, I and my mom went to the bank to apply for a credit card. We told the clerk we do not want to pay any annual fees. In other words, we want a credit card without annual fees. The clerk said yes and finally told us the card we applied for has no annual fees. But when we received the letter from Bank of America, it says there's a $39 annual fee. So, we went back to ask them. Another clerk said the $39 annual fee is just for the first year. I asked my friend who has been working in Bank of America about the annual fee. She said, "They must lie to you. It's impossible for them to charge a one-year annual fee." Now I just want to cancel it. We are not satisfied about the clerks' attitudes and behavior.

I opened a corporate checking account with B of A with a $500.00 deposit. When I went back to deposit more funds into the account, I was told that the account was closed because of a personal debt I owed the bank from several years before. The account I opened was a corporate account - the money wasn't even mine. I have a fiduciary responsibility to the shareholders of the corporation. Now the bank says they are taking the $500.00 deposit made to clear the personal debt.

On Oct 28th, I mailed a 5th trial payment to BAC. Since I had not gotten any news on when my final loan modification payments would begin, I thought it's best to go ahead and send in regular payment. That afternoon, I received my final loan modification. In those papers, I needed to send a certified check within 7 days.

I contacted BAC about getting my trial payment check returned to me so that I could complete their request for the final loan modification. I have now sent three faxes, called almost daily, had my personal bank draw up documents to fax to BAC and still they have my money. My customer service rep won't even leave a message requesting more documentation. The loan modification process has taken BAC over two years to complete. I made my payments for 9 months after I applied for the Home Modification loan. Then I made monthly payments which I could manage. I never missed a payment or was late with a payment but in the final paperwork for the Home Modification, I get to pay interest on the interest I was unable to pay during the two + years it has taken BAC to basically rewrite a 15 year loan into a 30 yr loan. I also was able to retain my current interest rate at 5.87%- no getting the current rate from this, the largest banking institution in the US.

We have been so ripped off with bail out dollars. I also run a small business, if I were to treat my customers in this manner, I would have been run out of town a long time ago. I can't understand why this bank still exists. I say leave Occupy tenants at their front door. I think I'll join them.

First, my personal FICO is 745. I have had a couple of credit accounts with Bank of America for 7 years with a Spendid record of payments. One account had a balance of $995 with a credit limit of $500.00. My wife and I had another card with another bank that had a high balance, so I requested to transfer a mere $1,000.00 transfer to that card. I was transferred to a "transfer" department where they asked a ton of questions regarding assets, current cash and etc. They received Spendid cash positions which I could prove. Not only did they decline my request but then informed me that they were reducing my credit line down to $1000.00 dollars, which is about $10.00 more then I owe.

One my next billing cycle I will pay off this miserable outfit and close the account. By removing 80% of my account credit, they have hurt my FICO substantially so if there are any class action folks out there against Bank of America, feel free to contact me for support.

Bank of America routinely delays processing of online bill pay requests. They will withdraw the money from the account and will delay sending payment by 3-4 days or more. They're thieves!

When I closed my account, I found that I had $12.99 a month taken by electronic funds transfer for something called "Privacy Source", a supposed bank service that I did not authorize nor had knowledge of. I have no way of knowing how long this went on. As a disabled person, I feel this fraud is beyond the pale as far as financial crimes go.

I am financed through Bank of America. I tried to refinance, and the lady at the local Bank of America said, "Sure, we will. You are financed through us, anyway." So when I bought the home, it was a foreclosure, and it was pretty trashed - the tub's torn out, there were plumbing leaks which rotted the floors. It's a 1989 modular home out in the county with a nice big 10-horse stall barn, a couple of acres, a five-car attached garage. I paid $96,000.

Okay, so Bank of America appraised it, which was LandSafe - which is owned by Bank of America. They charged $450 for the appraisal, and also said they needed the VIN. Well, since I replaced the cabinets where the document was, they said they had to research it and charged me $150. Even though I sent a picture of it and two other documented proof from the original loan papers with the number on it, it didn't matter. So since I moved in, we installed a new roof, new well, new floors, all new carpet, new electric heat, new hot water tank, new cabinets, new doors, new tubs and toilets, and other smaller stuff. They said the appraisal was about $2,000 short and declined the loan. They appraised it at $102,000. I mean I paid $96,000 to begin with, and about $30,000 in repairs and improvements, and the appraisal was lower than when I bought it. The property taxes appraised it a lot higher than the bank did.

Now every month, they harass me, call four or five times a day the last two weeks of the month, and ask me why I am a month behind on my payment. I'm not greedy, but I hate greedy people. They should be taught a lesson not to rip off hardworking people. I think they should refinance it and pay me for every month the difference that I could have saved refinancing, or at least refund my money for the apprasial and the research fee in a check.

Zero rating! I have a mortgage with Bank of America and fell behind in my payments after being unemployed for almost a year. I reached out to the company to establish a repayment plan for the 2 late payments. They were helpful in working with me and I began the repayment plan immediately. I am now 2 months into the plan and have made my complete payments as per the terms of the repayment. However, I receive a phone call everyday from BOA regarding the default on my mortgage loan. When I informed them that I am on a repayment plan', they indicated that they will make note in my file.

Everyday, it's the same exercise. When I filed a complaint directly with BOA, they said that it will continue until I make my last repayment installment and bring my account current. This is true harassment. When times were hard for them, our government bailed them out! All I was expecting was some time to honor my commitment as I got myself back on my feet. My advice to anyone reading this is to take your mortgage to another financial institution. This one clearly does not care about its customers even though I've been a faithful customer to them for more than 20+ years!

I would like to start off saying that there should be a no star button. Bank of America is a bank of shame. My husband is a United States Soldier, and is in active duty of the Army. A couple of months ago ,someone started pulling money out of at that time his account through ATM withdrawals. He was not able to look at his bank statement online due to not having an active computer, so he was not aware of what was going on. Through a time period of 3 months, he had 2200 dollars pulled out.

Eventually he started to wonder exactly what was going on, he called the bank and reported this as fraud. The bank did and investigation and agreed so they put the money back into his account. Well, when he came home last month for our wedding, they had called his moms house looking for him and she gave them my number because when he is home he has my phone, and we are usually together. Regardless to say neither of us ever got a call from them, so they did a reversal of the money with out telling us and shut down his claim.

On his way back to Germany, he went to pull out money for a train ticket and realized that his card had been shut off. He called me but by then the bank was closed. So I called as soon as they opened the next morning. Come to find out we were negative 1600 dollars. I was outraged, by that time I had been added onto his account so I was able to call the bank and ask the what the heck was going on. Well they then informed me that they hadn't been able to contact us and they needed some answers so they shut down our claim. Well after telling them we never received a call, I gave them the information they needed and they told me everything would be fixed within 10 days. I was over delighted because I currently am employed due to moving and that is all the money we have, and have two wonderful little boys to take care of. 5 days later, I received a letter in the mail saying that through their investigation, they had figured that it was my husband pulling out this money and that is wasn't fraud.

Go figure, another problem, I called the bank yet once again and argued with them about this. Both my husband and I had already stated that neither of us had taken out the money. They told me that in statistics usually when someone takes money out of somebody else, takes money out of somebody else's account is usually large amounts. I came back by saying okay, well maybe that is how it works sometimes, but not all the times, and one of the fraudulent withdrawals was 500 dollars. Maybe that isn't a huge amount of money to them, but for a family of four and only one parent working that is a huge amount of money. Basically they said there was nothing they could do about. By this point i was in tears and said so basically you are telling me that you are basing rather you are going to screw us over or not by statistics.

By the end of the call, they had agreed to put it back into investigations. He has been having problems like this since he started using Bank of America. Please if anybody knows any information or has any advice please email me at **.

I wasn't able to select "no stars" but that is my rating. BofA has changed my online ID and the contact email address in their system to an ID don't know and an email that has never existed. This is at least the 3rd time I have had this happen. The effect of their ** is that I am unable to access my account and monitor my account or pay my business bills. For 4.5 years this account and system worked seamlessly, and now, in the past 6 months, I am suddenly unable to do any of the things I could do before.

I worked for BofA and loved every minute of it. I feel like I was set up for failure by the staff and eventually was terminated from my job. The problem is, there is absolutely no proof that I did anything wrong. In the short time I was there, I received numerous awards for above and beyond service. And the next day, I am terminated. I am still waiting for a reason but no one wants to tell me. What gets me the most is, BofA tells you, "If you need help, talk to your supervisor." They say, "We are here for you in all aspects." Okay I did, and I did what my bank manager told me to do. Then, they used that against me and I'm terminated. I was Ms. Bank of America in my city. I loved this job so much. I represented BofA when I took out the trash! It's only diverse when you can tell your side of the story. Other than that, they don't want to hear it. I wanted so desperately to get my job back. But after reading all the complaints about BofA from consumers and employees, how can I defend anything they do when they treat their employees so wrong? It's not employees first. It's fees first!

I filed a dispute with Bank of America (B of A) in June over a double charge on a purchase I made from Natural Cures. I also contacted Natural Cures (NC) and informed them of the double charge. NC agreed that the second charge should be refunded. On 8/28, NC tried to process a refund but it was blocked. NC informed me that when a charge is being disputed, it blocks any refund. I again contacted B of A and was told that the credit card merchant was blocking the refund due to the dispute. They wouldn't tell me who the credit card merchant was. I proceeded to drop the dispute. I informed NC that the dispute was dropped and that the refund should be cleared.

On 9/6, NC again attempted to send a refund and again it failed. NC received the following response after the second failed attempt: "This person has already gotten their money back via the chargeback they filled. We represented the chargeback on your behalf for re-payment but that request was denied through their pre-arbitration." That response is completely false. I did not receive my money back. On 9/22, I again contacted B of A. I asked if they had any idea who was responsible for blocking the refund.

They had no answers. Who is this merchant then? They then told me that if I got a form from NC with the date, the amount I was owed, and my name and faxed it to B of A's headquarters, they would clear the refund. On 10/3, I received documents from NC showing the three blocked attempts they made. The documents included all the information that B of A requested. On 10/6, I faxed the documents to B of A. The next day (10/7) I received a call from B of A confirming that they received the documents. However, they informed me that since I dropped the dispute a month earlier, they can no longer do anything about the charge.

That afternoon I filed a complaint with the Better Business Bureau. However, B of A gave BBB the same runaround they gave me. And after 5 weeks, BBB declared B of A acted in good faith and thus closed the complaint. I don't understand why I have to go through so much to try to get a double charge corrected. Natural Cures (the company I made the purchase from) agrees I'm owed a refund and tried several times to send me that refund. I did everything B of A asked me to do. I disputed the charge as they recommended. I then dropped the dispute when they recommended. I then supplied the documents they requested. They kept changing their story. Now they gave BBB the same runaround they gave me. What else do I have to do? Why am I being forced to pay twice for one purchase? How is this fair? How is this legal?

My son had a Campus Edge checking account. He authorized his car payments to be automatically withdrawn. He fell into arrears, and his account was closed, and sent to legal, and charged off. A 2010 Tax statement for income tax purposes was sent to my son, he claimed it on his taxes. It stated that Matthew ** was liable for the uncollected debt.

All letters prior came addressed to my son. Several years later mail came in both of our names. It was not until 2010, I tried to open a savings account at Delta Credit Union, when I was denied due to my name being placed on a Chex Systems' negative report. I went to the former BA branch, I wrote and called Chex Systems and Bank of America. No one would respond with reasoning. To date, I have a letter from Millie Roglitz/ Customer Advocate/Office of CEO stating that she will update the reporting to Chex Systems, and delete the reporting under my name.But still states that I am liable for the charge off.

My credit was damaged due to their inaccurate reporting and not only did they charge off the debt, they stated that my son was liable. Is there a way to sue them for all the stress, and unfair practices that they have directed at me, and my credit standing? I have kept all documentation for legal purposes. Thank you for your help. I am unable to open a savings account at a financial institution, and dealing with this bank has created great stress for a woman, who has been trying to rebuild her credit and save.

The payment was due on my Bank of America card on 11/12. A couple of weeks ago, I scheduled an automatic payment on their website to be paid on 11/11. When I tried to use the card yesterday (11/12), it was turned down.

A check of my account online today (11/13) showed the 11/11 payment as still pending, and a $15 late fee applied to my account. So I was left with the embarrassment of looking like a deadbeat for the denied card when, as far as I knew, the payment had been made the day before and I was using the card in good faith.

The customer service person at the bank (who was actually quite helpful) told me that because 11/11 was a holiday, and they don't process payments on weekend or holidays, they would not be processing that payment until Monday 11/14. It's funny how they had no problem processing a late fee on the weekend. I've been assured that the late fee will be removed on Monday. Still, if they can't process payments on holidays and weekends, the website should not allow payments to be scheduled for those days.

On Nov. 2, 2011, I called BofA customer "service" and asked to close my checking account. I was told that because there were two pending transactions (with exact amounts), I could not close that day. I asked why I could not leave the money to cover those transactions and was told that it was not the policy. I called back when the transactions went through, on Nov. 4, and asked to close my account immediately. I was told that this had been handled and it was now closed. I continued to get email notifications of the $0.90 still in my account. I called to find out why I was still receiving these if the account was closed. I was told that it "takes a few days" but the account showed as closed and they would send a cashier's check (for $0.90!).

On Nov. 11, nine days after, I officially started trying to close my account. BofA accepted a direct deposit into my "closed" account. I had changed my account information with this employer but their policy is that if the old account is still open, the transition check will still go to that account. However, it wasn't open enough to use my ATM card to withdraw it. I went into the bank, withdrew everything in my account, asked if it was in fact closed and now, two days later, I received an email notification that my account is overdrawn for the amount of the withdrawal. I believe that BofA is obstructing customers from closing their accounts in order to skew the numbers of people being reported as leaving their institution.

I've been trying to refinance my house since February 2011. For the past nine months, I've gotten nothing but a runaround. Every time I call, I get a different answer. All they want is their money. Not in any way, shape, or form, to give me a hand, after my tax dollars helped them. This caused me sleepless nights and outright rage at B of A.

To the guy in Silver Spring who posted on 11/9/11: The exact same thing happened to me today. I tried to use my debit card with plenty of money in the bank, but the transaction was denied. After three different calls to three different levels of customer service reps, and being told three completely different stories, all I know is that B of A claims the security of my account was breached and that my card was subsequently cancelled "for my protection". They also said that I was notified by phone and by mail, but no such things happened. Nor have I received the new card that they "immediately" issued two weeks ago.

I have been attempting a cash out refinance for a piece of property I own outright since the beginning of June 2011. The time required is **, always needing something else. I have submitted no less than 3 authorizations for transcript of tax returns. All I can say to Bank of America is you have a bunch of employees and procedures that have forgotten how they got where they are. To quote the father of Pat ** in his letter to congress, ** you Bank of America. Mental anguish for my spouse who has had to deal with the incompetence, lack of communication and "i don't care" attitude.

Bank of America Debt collectors have been calling me at work for about 2 years for someone else debt. The person is an ex-coworker and I inherited his number. I cannot get to anyone that is knowledgeable at all because I am directed to a different department that claims to not be able to access information in the account. Each time I talk to someone they say the number will be removed from the system. I have talked to at least 4 separate people who have each promised that I would not be called again. I know it is illegal to continue to call a number for debt collection purposes after being informed not to call that number anymore and have made a complaint with the FTC, yet I still get calls.

Today, my wife tried to use her BOA debit card to get lunch. The card came back declined and deactivated. I also tried using my card from a separate account and it also came back declined and deactivated. After calling Bank of America, the representative said that they reissued us cards because of a data compromise that occurred on or around October 25th, 2011.

We never received notification or the new cards explaining this. The representative I spoke with for one of my accounts, which is a business banking account, said they sent the replacement card to an address that I lived at long ago. I have kept up with updating my account information with new addresses, but obviously Bank of America does not care. Thankfully it was just lunch and not an emergency. They also would not tell me at what retailer the compromise happened.

In short, Bank of America has stopped renewing ATM cards for certain customers. Without any notice to the impacted customers, BOA has decided that some customers should simply not even have ATM cards to access their hard earned money at their convenience. Here is an example: My parents' ATM cards expired in September (I help manage their finances because they are over 60). I called in October thinking this was an error and the cards would be issued. I was informed that Bank of America has stopped renewing ATM cards for certain customers.

It took speaking with 3 levels of supervisors in order to get to some more useful information. I found out that cards might not be renewed due to several reasons, one of them being non-use or infrequent use of the cards. Also, if you want a new card, you have to call BOA personally or go to a branch. If we had received any notice from BOA about the non-renewal of the ATM cards, I could understand. We would have been content with a timely letter stating that the cards will not be renewed, and instructions on what to do if we wanted the cards to be renewed after all. The BOA call center staffs were very professional and unnecessarily apologetic for something that wasn't their fault. The BOA now has front-line call center workers (with very limited power) apologizing for a corporate policy stripping ATM access from customers.

I have been banking with BoA for 20 years or so. I've been a stellar customer, never late, never overdrawn. A new charge of $20 a month started appearing as "monthly maintenance fee" for my savings account. I called and asked about it, I was told this was the fee. I said I couldn't believe this was right and that nowhere on their website did it explain this fee or even mention it at all.

The customer service rep told me it was because my overall money with them had slipped below $25,000 because I had been paying off a line of credit. I pointed out that I would never have started a savings account with such a fee and that this fee is not listed on their schedule of fees. I insisted to speak with a manager. She did refund the fees to me. I closed the savings account and just put the money in my checking account. I could not believe BoA would try this with me!

In February of 2010, my husband had a CD IRA come due at Bank of America. We called their 800 number. An IRA specialist told us he could renew the CD for 10 years with the option of increasing the interest rate, at our request, every twelve month rolling period. We went to our local branch and with the local representative, called the 800 IRA specialist line. Another specialist offered the same terms and the local bank representative heard this. She even commented that it was a good deal and might do it herself. We and the local representative asked for this in writing from the IRA specialist. I received, and have, the dated envelope and letter for the request. BOA, however, just sent their disclosure booklet.

I met with the local representative. She said not to worry, trust her because she had been there numerous years and knew what had been promised. She did not receive anything in writing. Another CD IRA came due in August of 2011. We asked if the option was still available. We were told no. And it did not apply to the ten-year CD IRA we opened in February 2010. The local representative filed an inquiry. I also contacted CEO headquarters. Bottom line, we were suckered into signing a 10-year CD agreement which BOA now denies we did.

However, there is a local BOA representative who knows what was committed to and the two IRA specialists who offered it. BOA's excuses have been laughable, ranging from we misunderstood, their employees had no authority to offer this, and that they never offered this to anyone. We know there are other people out there who this happened to and would like to hear their experiences. I have documentation, names, and dates. But BOA's "customer advocates" are BOA's. There is truth in lending and there should also be truth in investing.

On October 1, 2011 my husband and I went into Fairfield's branch of Bank of America to close our accounts. Upon entering, we were greeted by a hostess who directed us to a teller who would help us with our needs. The teller gave us our money and closed our account. I asked her if I needed to do anything else? She said "no", it's all taken care of and cut my ATM card in half. On October 7, 2011 BOA mailed a check for $2600.00 to my mortgage company, of course with no money in my account, the bank and my mortgage company hit me with non-sufficient funds fees. I was told I should have known to contact my mortgage company. How should I have known if no one advised me?

My mortgage is scheduled to be paid by my credit union. I am concerned that BOA is not training their tellers. When I approached BOA with the fees, I was told "You should have known". BOA called me today and said after thorough research, I should have notified my mortgage company that I changed banks and I am responsible to pay the fees. I did not agree nor did I speak very kindly. The fee is not substantial, therefore; I don't need an attorney. It's the principal that is important. I am hoping to alert anyone who is deciding to close their account with BOA. Be very careful to cancel all your bill payer accounts no matter what the teller tells you. I took all my money out and they still paid the bill!

I used the ATM to deposit a check. The check disappeared in the machine. I contacted Bank of America and was told it could take up to 45 days to investigate my claim. There is no compensation for checks I have written against the deposit. I have no recourse except to wait. They will give me a provisional credit in 10 days, but if the check is lost in their system, the credit will be rescinded and my account will be charged for any returned checks. There is no priority on the part of Bank of America to process my complaint quickly. For now, I am short $5200.00.

My 88-year old mom is on limited income and has been a BoA customer for about 65 years. She has checking and savings accounts. I wanted to open another savings account for emergency savings and BoA wants a minimum $300 balance or $25/month service fee. Unbelievable! I walked out. I will go with my bank (Bank of the West) or a credit union where there are no fees. BoA should be ashamed of themselves!!

BOA became my mtg service provider, a year ago. Since then they have, despite proof otherwise, reported me late all of this year. They claim it's an issue with the previous lender, who is out of business. I have gone to the Governor's Office and ** and can't seem to get any help. They are also reporting me late this year under the previous lenders name, though the account is closed, so it appears that I am now late on 2 different mortgages.

Every time I deal with them, they refuse to correct the issue. Now they have taken over the escrow of my taxes and insurance without my knowledge or approval, and want more money than those 2 items would normally cost me, if I paid them myself. I feel that I am in an abusive relationship, and the abuser will not let up one bit. The only alternative I see, is just to walk away, since it looks as though, they will try and take it anyway.

I would like to see an end to this. My credit standing is in the toilet because of this. I would like that fixed, and my interest rate at a reasonable rate, not 8% which is where it is at now. I want to keep my home. I want to get away from BOA.

I went to cash $1800 check drawn on BOA. The writer put the next day date on it, and then changed the 19 to an 18. The teller took all info, typed it in, and told me to apply fingerprint. I inked up and clamped the check between thumb and forefinger. The print came out light. She (teller) instructed me to place the check on hard counter and apply print. I did. Then, she told me to come back tomorrow or get a check not "altered".

I went to the same teller the next day. She said, "Need another print". "Why?" I asked in disbelief. "Just in case," she replied. "Of what?" as I asked if she thought I might've had a thumb transplant. I misapplied two prints the finger clamp way. She admonished me and told me to do it as she had "taught me to do it yesterday". I did. Now, the poor check has five (5) fingerprints on it. She told me, "If you open an account here, you wouldn't have to go through this." Would I want to? "Not with a gun to my head," I replied. She threw the check into the well and left the window after some sly remark. I left the check there and went and lay down on the bench to take a nap (with my feet up, eyes closed). Finally (15 minutes), the 'head teller' (arrogant instructor) came to a closed window and bestowed the cash upon me. I wrote a letter to Mr. Moynihan (BOA CEO) and Fed-exed it. His secretary called me in a few days and apologized for the treatment. They called the branch in Roselle and "clarified the policy that that'll never happen again".

I went to Bank of America ATM in Natomas Marketplace to get $600 off my EBT card. The machine withdrew my money from the card, but did not give me my money. I called the number posted on the machine and spoke to Mark. He told me I would have to wait 20-25 days before receiving my money. This is all the money I will receive for the month and I have 2 small children.

I came to an agreement with B of A to pay off my $4500 credit card at $100 a month. I agreed to have automatic debits to make the payments. I have reduced the debt since 2008 to less than $2000, but at some point in the past, the automatic debits had failed and so now it is showing $222 past due. They are showing that a payment (automatic?) was missed and that a second was refunded, because I couldn't make rent and asked for that. But I also remember having to pay double the next month, which was very hard on me.

So now they are reporting me as late to the credit bureaus. Why am I bothering to pay them if they are messing up my credit? The only reason my credit was messed up in the first place was because I had identity theft, which I discovered after B of A closed my credit card because of a charge off for a utility bill in some other city and they and Wells Fargo and Discover each, because of it, raised my percentage to 36% and I couldn't handle the payments anymore, and they refused to reduce the amounts even after I provided a police report and a letter from the creditor. Finally, B of A came to me and offered to let me pay $100 a month at 5% and I agreed to help restore my credit, but this is now just going to hurt me more.

Where do I start. Two years ago we refinanced our mortgage with a third party, who sold it to Bank of America. We knew the loan would be sold, but did not have a choice who it would be sold to in order to get a 3.75% fixed interest rate. We figured that good of an interest rate was worth it.

The problems began when I logged into my online account to make a mortgage payment. I couldn't pay it from an outside account without incurring a $25 service fee. So I took a Wells Fargo check to my local branch to pay it. I was told the same thing by the teller, that there is a $25 fee to pay it from another bank. I had to pay it with cash to avoid the fee. Working full time, with two small children, and the local bank's hours (9-4 weekdays only, no weekends). I work 7:30 am - 5 pm and it's extremely inconvenient to do anything but online banking. The cashier informed me I could get a free checking and pay it from there to avoid the fee. So I opened an account.

I logged in online and set up auto pay on the loan. The next 3 months, they took out the payment twice. I canceled auto pay three times, after each payment, yet it kept doing it. I called my local branch who couldn't do anything but had to call someone else and said they'd call me back. I wanted the three extra payments to be credited back to my account, because I needed the money for other bills. They couldn't do that, but I didn't have to pay my mortgage for the next three months since I was three payments ahead.

Next, I tried to make payments to other accounts online. I attempted to use transfers, bill pay, and putting in the BOA account info via the payee's website. All three times the money was debited from my checking account, but never posted to pay the bill. It took over three weeks, and many calls to both customer service and my local branch to get the money credited back to my account.

Now, I find out I'm being charged a $5 monthly fee to use my debit card. Then today, I went into the bank to withdraw cash. The cashier told me I should use the ATM, because there is an $8.99 monthly fee if you use the teller in the bank for any transactions. Bank of America has wasted my time, tested my patience, and steals my money. Their system is flawed and their customer service horrendous. I am closing my accounts, and telling everyone I know to bank elsewhere!

I had a bank account at the BOA (Bank Of America). I moved to Toronto, Ontario, Canada so I closed the bank account. I had $1,400 in the checking account and the customer service said that they will send me the check by mail. Great. About two months later, I still didn't receive the check. About a month after that, I called the bank and they said that it was sent to a wrong address, so he resent the check to my address. A month later, I still didn't get the check. Every time I called them, they told me some stories that they sent it already and that I should be receiving it soon. That's frustrating.

I received a letter for BoA/Merrill Lynch stating that there is a new renewal fee on my business line of credit of $500.00. But then, they wrote that it would only be 1% of the balance due and then further down it became $250.00. I spoke finally after many calls, waiting on the phone and then waiting for Mr. ** to call me back which he finally did days later. He said that he was my case manager and advocate for me with the bank. I said that I'd never need such before but okay advocate this.

I have had a number of loans and lines of credit with BoA and never had a renewal fee before, so surely this was a mistake. He then said that I was not doing enough business with the bank and if I were then, maybe there wouldn't be any fees. He also tried to threaten me with a higher interest rate. I don't set the rate, the bank does. I felt as if I were dealing with a mafia thug. I reminded my advocate that the economy was poor and business loans were not needed when there was little to no business and he said that he could relate as was a real person, too. Well, he said that he would research my accounts as he couldn't find them while I was on the phone with him and get back to me.

As of today, I'm still waiting and would call my local BoA but they don't answer the phone; it just rings and rings then someone in a far away city answers which is no help whatsoever. I feel dirty and abused as I pay on time, pay more than the minimum amount, and even so when there is no business income to service the account!

In making my online mortgage payment, I entered a typo. The result was that my payment was one penny, yes 1 cent, short of the actual money due. I first became aware of this when I received a phone call from a debt collector representing Bank of America (BA)! I contacted a BA customer service representative who then did a bank transfer taking 1 penny, one cent, from my bank account to bring my account current. I was told by customer service that they would waive the late fee.

I just received my new mortgage statement and I have been charged a late fee of $38.00. I just also tried to call BA customer service, but they are closed! It is a Saturday morning about 11:00 am and they are closed to taking any calls at the customer service center! I have spent so much time and effort on this one penny and so has Bank of America.

Bank of America (BA) is a big fraud. I will never do business with BA again. Four years ago, I applied for a personal loan with BOA for the amount of $36,000 with 8.99% interest rate. When I applied for the loan, I believe I have about 6 months before I can start paying back my loan. Instead of waiting until a payment is due, I would forward a large payment to BA, so when I do start paying my loan, I can see a lower amount borrow.

Well, BA have a new plan for me. Right after about three payments, BA increased my interest rate to 13.99%. I was extremely mad, I called BA, and they told me I was late with one payment and that is why my interest rate was changed. I am very careful with this loan. I know, if I am late in payments, my interest rate will go up. I believe BA lied just to get extra funds from us.

When I look back at all my payments, the only mistake I see is that I accidentally lowered my payment by $20.00, because of this BA increase my interest rate. I continue to pay my loan for 4 years. As of today, I still owe BA $30,000. I did my calculations. As of today, October 26, 2011, I paid back BA about $25,000, and I still owe them $30,000. This is not fair to us.

BA is taking advantage of us. We all need to do something. When BA needed help a few years back, the federal government assisted them with our tax dollars. We all need to ask BA to pay us back.

B of A is the most greedy, insidious bank in America. I went to cash a check drawn on BofA directly at their teller counter. I was told it would cost me $5 to cash their check at their bank. This check was for under $30 and they expected me to pay them $5 to cash it. They are the reason Occupy is in existence!

I have had bank accounts with BOA for over 30 years. I kept my BOA when I moved to a state that had no BOAs. Yet, I left my direct deposits going into their bank! I applied for a credit card that consolidates your credit card. I have excellent credit and was denied the card! All they hire are these snippy little girls that are on their high horse and think they can rule other people's lives. As far as I am concerned, BOA can go to hell! I am transferring all of my money into another bank! I am a baby boomer that inherited a trust fund. I draw from it monthly and receive a large check yearly!

I have been a customer of BOFA for about 15 years. I opened my acct. back in the '90s in NJ with Summit Bank, then turned to Fleet Bank, then became BOFA. I just closed my acct. with them because I couldn't take it anymore. BOFA is stealing my hard earned money. I had DD since the day I started with the bank and now they charge me 12 dollars maintenance fee because I don't have 250 dollars for direct deposit. I called and I was told that Bank Of America is charging those fees because they offer a variety of services to customers in order to keep those services. Well, isn't that what the business is for, to offer a variety of services to customers so they can keep us?

I closed my account the same day and I said goodbye to this bank who is robbing us blind. President Obama gave those banks billions of our tax dollars and they turn around charging us more fees. This is right down illegal and Bank of America will fall hard. They always say that the bigger they are, the harder they fall. I can't wait for that day, I hope everybody starts taking their money out (big or small) and wait for the big fall of BOFA.

I am writing this letter as a follow up of my case number ** from July 11, 2011. I had already explained to you in my previous letter dated September 11 what had happened with my account number ** about which I had received a notification on 07/05/2011 after your office had detected irregular activities and that literally said "For your protection, you must verify this activity before you can continue using your card." I called the phone number I was given by the message (1-877-833-5617) that very same day. I was on the phone for 22 minutes the first time, and 1 minute, the second time. I am enclosing copies of the phone calls I made from my cellular phone.

Why didn't you block the card? The representative of your bank was looking at my account and was unable to explain it to me. I called again on 07/07/2011 twice, and nothing. Finally when I went to the bank personally, I found out that somebody was using my mother's card. On top of that, on July 11 I opened a formal claim (number **), and you did not do anything until the thieves took all the money from the account.

Now you just do not accept responsibility. I did what I was supposed to do as a costumer of a bank, and your office failed to follow procedures because of the incompetence of your employees I called many times to the bank and did or tried to talk with Jackie or Ms. ** who was in charge of my case. They never answered my question. Nobody has been able to explain to us what happened.

On Friday, Oct. 14th, I deposited my paycheck in a BoA ATM and paid a few bills the next day as my account has always been credited with the full amount of my deposit within 24 hours. On Oct. 16th, I received a text from BoA that my account was overdrawn. I called to inform them of their error and was told a hold has been put on my deposit until Oct. 25th. When I questioned why this had happened, I had to be transferred to a manager who told me the reason was my paycheck was not drawn on a local bank. I explained that my employer uses TD bank, which is local and has never been a problem before. The manager then told me that they are within their rights to withhold my deposit. He will not release the funds and he is not required to give me an explanation! To make it worse, the bills I paid were to my credit cards and BoA did not pay, so I cannot use my cards and I cannot have my money! BoA has left me with no way to buy groceries or even gasoline to get to work. Who do these thieves think they are?

I have been a customer of Fleet Bank which changed to Bank of America since I was 14 years old with my mom. I got an overdraft from a Netflix purchase. I did not remember about it. And at that time, I only had $1.86 in my account. It is no longer my primary account due to their lack of customer service skills. It is sad to say that I was assessed two $35 fees from a $7.99 purchase. Then, I contacted customer service. They are talking to me as if I am machine and they are reading a script from the rep to the supervisor. I am so turned off from them at this point.

Bank of America serviced my mortgage for almost two years, until they sold it to another bank. They sent me a statement stating that I was to pay mortgage to the new bank on October 1, 2011, which I did. And it stated that they are closing my account as of September 30th, 2011. Bank of America went ahead and withdrew the mortgage payment (which makes it two payment that month). I have been fighting for my money back for for three weeks now. I spoke with four managers. No one has returned my calls, but all of them make promises they can't keep. As of now, I am almost due for another mortgage payment to my new bank, and Bank of America. Well, they are enjoying my $1153.19. I am sure the CEOs are out getting massages and pedicures as I am writing this complaint.

I have been banking with Bank of America for eight years now, and their fees are not only illegal, but also spontaneous. I received a check from someone and they charged me a fee for their bounced check. They're calling it a "Return Check Fee." Their solution for not having this happen again was: "Consider whether to accept a check from someone you don't know, since we cannot verify that a check is valid or that the account it came from has available funds. Review your Account Details page regularly to make sure the check you deposited or cashed has cleared." Are they kidding? So they are blaming me for someone else's check bouncing? And also, I never asked to have the check returned. Also, their $35 overdraft fee is insane and ridiculous.

I had a Savings account with the same location for 30 years. They were C&S when I opened the savings account. I had never paid a service charge for all those years. Last couple of years; I carried a balance of about $500.00 just as bounce protection. I have had balance of many thousands of years there in the past. They started charging $15 or $20 a month service charge without notifying me and I did not notice the increase for three months. The bank managers there have worked with me on such problems in the past but this time the manager. I said that I should have read the small print in the 20 page document that they sent me last month and that they had the right to change the rate because they had notified me about it in the booklet. He said sorry and he would not help me! I said that I would just close my account and he said that is fine. They got there bailout from my taxes so why be look at the small investors problems. Go occupy Wallstreet, I will help!

I have been a Bank of America customer for over 10 years. The service is definitely going downhill. As the fees go up at the bank, customer service is declining. Is it only important to take of customers with large sums of money and not the middle class? I will definitely be moving to another bank that takes care of all the account holders. If you are looking for a new bank and don't want to pay large fees for your savings account and checking accounts, do not chose this bank.

I had my bank card lost in a Bank of America ATM machine. The people in the bank did nothing to help me. I called customer service via the 800 number to ask that my card be cancelled. It was about a month before I received a new card and that was only after another call to the bank. I made transfers from my savings to my checking accounts via online banking and was charged a $27 fee this month, and now, they are going to start charging a $5 monthly fee for using our ATM card. I guess the tax payers didn't give them enough money in the bailouts, so they have to start slowly taking more from their customers. I am a very dissatisfied customer. I am very disappointed in a bank that I have recommended to friends in the past.

Bank of America in NJ cashed a non-negotiable item out of my joint account with my 88-year-old dad. This check was clearly voided along with the signature scribbled out. The amount was over $1100.00 and was deducted on 9/13/11. I have been fighting for 3 weeks to get this money applied back to our account. My dad accidentally mailed the voided check along with another check to AT&T. Bank of America has said it is fraud. I said that they are at fault for processing a non-negotiable voided item without a signature. They have been giving me the runaround. As of today, 10/19/2011, the funds have not been credited to our account. If this is fraud, it is on Bank of America. They should have refunded this money as soon as we told them a non-negotiable item was processed through our account. My dad is being taken advantage of by this bank. There is no reason for him to wait any longer to get his money returned. He is on a fixed income and it has been well over a month without the money. Please help!

Bank of America consistently manipulates your account to create overdrafts for their own gain. They post checks dating the day before a deposit, so that they can get an overdraft. They also put through the big transaction first instead of in the order received, so that they can create more overdrafts instead of just one. August 30th was the day before I got paid. So, I was watching my account closely, checking balance and history several times. The last time being at 11:30 pm and then again at midnight when my direct deposit showed up. At no time did a check for $66.96 show up in the history. Yet, at 8 am on the 31st, I had received an overdraft fee for 35 dollars for this check that supposedly came through on the 30th. But it was nowhere to be seen in the history. Don't you think that if it did, I would have gotten an overdraft at that time instead of getting one when directly after a deposit was made? These are the things that this bank does to take money from working people who need every penny they earn. If 35 dollars is more important to them than satisfying a customer, then they are truly not a good business. And I would not recommend them to my worst enemy.

Bank of America keeps reporting my credit as bad because of these defaults even though the back payments have been made several times over. We got behind because my husband lost his job. I talked to an Ashley two weeks ago at Bank of America. She told me to make a payment of $717.44 and I would be caught up. I've gotten two letters since talking to her, and they both say I owe $1,800.

Bank of America had told me many times that I qualify for a loan modification. They either never get back with me after I do everything they ask me to do or I get a letter saying, "Sorry, you didn't qualify," or "We didn't get the required paperwork back in a timely manner." That is far from the truth! They have scammed me out of thousands of dollars only to keep them reporting my credit as bad. They can never tell me where the money I pay over each month goes. They have never shown the over-payments I've made. I even asked to go to location to get help, and they tell me it's not possible. The scamming office is in California. I can't get a house loan to get away from these money-thieving scammers. They steal your money!

I have an issue that I would like to bring to your attention. My mother has several accounts at your bank. While she was out of the country, I was her power of attorney. It should be an easy process for me to write check or withdraw money from her accounts. Instead, I was made to wait for more than two hours by Marivel **, assistant manager of Capitol-Berryessa Banking Center, to verify information before she process my transaction. I was at the bank around 9:30 am but got out around 12 pm. However, not only did she not make any calls to verify, but she served other customers that were after me while making me wait. This incident occurred on Monday, February 28, 2011.

Then, last Saturday, October 15, 2011, my mom and I both went to the bank to get a cashier's check ($100,000), with her passport and permanent resident card, as well as my own IDs. This time my experience with Marivel ** was even worse. We were at the bank around 1:30 pm. She told us that the bank will close at 2 pm, and she needed to do some more verification. She said that we might not get our cashier's check that day, and we have to come back again on Monday. I was very upset because my mom was there and she has all her identifications with her. What other verification does Marivel need? She then showed me her discourteous and disrespectful attitude, shouting for us to leave the bank. At that time, another personnel stepped in and said that he was willing to help us.

I have never felt so mistreated in my life. My mother and I decided to close all our accounts at your bank. That personnel was fast in giving us a cashier's check in the amount of $680,000 without making any calls. And it was within 5 minutes. I don't understand how is it that I want to get a $100,000 cashier's check and Marivel was giving us such a hard time, compare to withdrawing $680,000 cashier's check. And I was able to get it in minutes. I like your bank to know how discourteous and disrespectful your personnel treat your customers. If this is how you train your personnel and how you do business with customers, then you can be sure I will never do business with your bank or refer anyone to your bank. I am also very disappointed with Bank of America.

There were several departments that I was transferred to. No one could subtract the insurance check from the balance, so that I could get a payoff number to sell the house. This started in August. Today is October 17, 2011 and no one knows how to do it. As a result, the man who wanted to buy the house is pulling out.

I have maintained a checking account at this local bank. It's very seldom that I experience a problem until recently. I ordered a new shipment of checks. Knowing that they've always been accurate, I neglected to check them. I did not notice that they switched addresses on the checks, until I was taking photocopies for my paid bill file. I went into the bank and told them. They said that they would reissue two new boxes. As indicated on the "order" slip, they are to incur the costs for reprinting, not me.

I asked the rep to show me the computer screen so that I could see all was correct. The zip code was not correct, so I asked her to fix it, and supposedly she did. Well, what happened? I got only one box through the mail and the zip code was still not correct. At the time I went in, she told me that the new order would begin with a certain number. When I checked the new order, it did not start with the number we agreed upon. I told her that the checks needed to match my driver's license particulars. And I said that I wanted to know who authorized this change to my mailing address. She could give no satisfactory answer to my question. Needless to say, I am ready to tell Bank of America "adios". I'm wondering however if anyone else has experienced this problem.

I had requested that $900 be returned to my checking account that was accidentally paid to my BofA credit card. Well, they returned $400. But the $500 went missing and no one could tell me where it is. I have waited 2 weeks and called every third day, till today when the supervisor hung up on me.

I am a victim of BoA fiasco. They froze all my accounts even personal ones. I couldn't do payroll for my employees nor have money for the monthly business expenses. They will not even tell me why. They even closed down 7-year-old seasoned accounts. They gave me no explanation or a chance to fight it! If I were you, I would close my Bank of America accounts. They are going down. I smell a Chapter 11 bankruptcy coming soon. They have higher interest rates pulled out of the Platinum Program. They fired over 40 thousand people. They are moving the decentralized locations to centralized locations. They are taking people's money and freezing accounts. We are talking thousands. In one instance, they only gave one client half of their money back. Another one lost over $40k and they still haven't got it back. Might I add the fact that they are charging fees now for ATMs? Plus, they have been collecting on loans for years now that are not even there, along with the class action lawsuits in the thousands. Take your money out people. Don't say I didn't warn you.

I complained to Bank of America about their new $5.00 debit card fee. They replied, but the new fee will still be implemented. They think it's ok to impose any fee that they want. I hope a law firm out there sues them.

This "supervisor" refused to give us her employee ID or any information regarding our accounts and Bank of America legal representation per request. She was rude and extremely unprofessional, and she even hung up on us.

I was contacted by the Bank of America this afternoon to advice that our current company line of credit has been approved to be continued, however, we now have to pay a fee of $1,000 to have it renewed. Last year it was only $150.

We are a small, woman-owned business and only have this line of credit handy in case we need to use it on special occasions like buying larger than normal levels of inventory or such business activity.

When I asked the B of A representative why there was a steep increase, I was informed that the new government regulations required a lot stricter monitoring, and as such, the cost of this had to be recovered. Oh and in case you object to this charge, they will reduce it to $500 but increase the interest rate to 4.5% over prime (about 7.75%). One can only wonder how many tens of millions this is going to raise for the B of A, if this is legal and how this is going to help the already struggling small business community.

I would give Bank of America no stars at all! I was set up with direct payments that drafted from my checking account. I decided to change from 26 payments per year to 52 payments per year. When I called, they said they would set it up and told me the date and amount of my next draft. When the amount was not drafted on the date expected, I called BoA. The rep who answered the phone did not know what the issue was and I was promised a call back. When I did not get the call, I called again but still there was no explanation.

After making 4 phone calls, I was finally told that because my draft date was entered incorrectly (BoA told me the date they would draft my payment), the draft would not go through because it looked like I was behind on a payment. Keep in mind that I had to pay a month in advance to even set up this automatic draft. Now I am no longer eligible to have automatic draft unless I want to pay another month in advance. Instead of doing this I will be refinancing my house through another company. I suggest that anyone who is able to get another company to finance them to do so. I will never again do business of any type with Bank of America.

My checking account transactions are retroactively posted after midnight, resulting in insufficient fund fees when there is a low balance. I printed my balance and transactions from the bank's own website at 1:07 AM and my balance was $41.29. At 5:49 AM, I checked again and there are now 3 new items posted against yesterday's date. This includes a check for $723 that is being returned for insufficient funds.

The bank has already deducted a $35 overdraft fee. This particular payee is going to assess $175 in penalties for a returned check. The total damage is $210. How can the bank input transactions in your account on a date that occurs in the past where there is a low balance? Shouldn't they be required to process transactions on the current day? This is very unfair and should be illegal. I've noticed this before and I am sure I am not the only one that has been a victim of this practice. I'd like to know where in their contractual arrangement are they allowed to do this with the customers. I have the printouts from the bank's own website with time stamps to prove it.

I had a business line of credit with BOA and received a call last June demanding I pay the balance of over $22,000 off by October 25th as BOA had cancelled the product. I asked for the request in writing, which I received in August 2011. After repeated calls made by a local branch customer service representative on my behalf, I discovered BOA had turned over my account to Merrill Lynch who had determined, despite my great payment record (I was on auto-pay with no late payments) the account was high risk.

I finally got them to agree to terms where I agreed to a higher interest rate and a 48-month payoff. They agreed to send me the paperwork. Guess what? The paperwork arrived, "Pay in full by October 25th" and they raised my interest rate. I have submitted complaints to anyone I thought would help, but no one was able to do so.

Here is what I did. I moved my business checking to another bank. I reactivated an old credit union account and moved my savings there and closed my BOA savings. I refinanced my house through another bank, got a great rate, and paid off my BOA mortgage. I was also able to scrape up enough funds to pay off the LOC and I am in the process of closing my BOA personal checking account.

All told, BOA is losing over $250,000 in interest from my business. Boy, they sure are savvy business experts. Had they just worked with me on an extension for the LOC, they would have kept me as a loyal customer. Now, they will never see another dime from me and I will spare no effort to tell everyone I meet about their complete lack of customer service.

My suggestion to all of you is to vote with your feet. If you can move your accounts, do so immediately. Since they cannot deal with their customers ethically, why should they continue to use our money?

BOA has lost my business and the business of all my children forever.

They hold deposits, play with savings, decline purchases when I have a positive balance.

I never wrote you a hot check and yet you treat me like dirt and embarrass me every chance you get.

I get no satisfaction.

I wait to talk to a person reading a screen. I can't pay my car repair bill after having deposited $1,207.00, having over $200 in account. I can't even get to pull out cash to pay a merchant.

You are evil. You should be destroyed. There is nothing bank or America about Bank of America.

Bank of America, allowed my account to be frozen when the only thing that goes into that account is child support payments. They held on to my account because my mom name was on the account. They reversed everything when they realized that it was an account that a government check was being deposited every two weeks the only deposit that is made to that account. Bank of America took $100 for legal fees and refuses to refund my kids child support money. I went to the branch **. Vice president Sheila ** her phone number was **. She was very unprofessional. How can you take some one child support and not want to refund it back. This is a crude act. The Levy was reversed they need to refund my $100.

This bank sucks. I had been using MyAccess checking account, which says that there should be a direct deposit of $250 or maintain $1500 minimum balance to avoid maintenance fee. My employer somehow deposits $200 and $100, separately into this account monthly and still they charge me $12 each month. This is like stealing money from customer. I called customer care and they said that I need to have a single deposit of $250 and they charge if it is 2 deposits. I was so pissed off and I asked them I'm no more interested in this bank and wanted to close the account. She simply explained me the procedure on how to close the account, without even giving a damn to retain me. I used to have large deposits into this account and reduced the amount considering the evil with this bank. I then went to the branch and close the **, today. They almost stole from me around $200 in similar fees over last 3 years. I do not know how this bank attained so much of reputation in US and its worth for nothing. Customer unfriendly businesses never survive on a longer term and I see the same with this bank. I was so pissed off and I'm going to withdraw the $1500 of shares I have brought from this bank. I hope similar customers like me teach a lesson to this bank and throw this out of business. I am large customer of Chase and I am absolutely satisfied with that bank. BOFA is never even one tenth customers friendly when compared to Chase.

I have been using Bank of America for many years. One of the stipulations for me to have an account with them was that I would not be charged any fees if I had direct deposit. As far as I know, that is the "contract" I entered in with B of A. Now, they have broken that contract by charging me fees to have my account. They have charged me overdraft fees before I ever became overdrawn.

On October 6, 2011, Bank of America took money from my checking account ending in ** and transferred it to my other checking account ending in ** (which was in process for unknown charges, in process of being disputed without my authorization). On October 4th, 2011, Bank of America representatives advised me that I would have a total of 2 months to pay off my overdrafted checking account before making payment arrangements. On September 17th and 24th and October 1st, Bank of America representatives stated that I could make payment arrangements on my overdrafted checking account after the in-process unknown charges disputes were resolved. I ensured the representative clarified that no transfers would occur without my knowledge. The representative assured me that the only way that would happen would be if I would set it up that way. Other than that, they wouldn't touch my account ending in **.

Bank of America did not notify in writing nor over the phone about withdrawing my entire account in the amount of $1,152.27. On October 6, 2011 at approximately 7:35 am, I contacted Bank of America to find out why they had taken my money without notifying me. They indicated that they did not have any open claims on file and that they couldn't give me my money back. On October 6, 2011 at 9:00 am, for 2 hours, I met with the Bank of America on Bellflower Ave. in Long Beach, California. They researched this situation. According to them, they were unable to do anything about it, even after I explained everything to them.

This bank is simply evil. I am going through extreme hardship. I called to request a lower rate on my American Express card with them. Instead of helping, they cut my credit line to almost zero and jacked up my interest rate. It's no wonder people hate this bank. There is no reward for loyalty here.

I zero'd out my checking account at BoA and requested for the account to be closed. I was told by the BoA representative that the account will be closed next business day as I had no transactions pending. A week later or so, a transaction that took place a week and a half prior and was supposed to be cleared went through. BoA never notified me of the fact and never closed my account. Instead, they charged me a $30 overdraft fee.

After sometime, they charged me another $30 overdraft fee and another $30 overdraft fee and another. This all took place after they announced that they discontinued overdraft fees for their checking accounts. BoA never notified me of the balance on the account. I learned of the negative $195 balance in my checking account from a collection agency that was transacted by BoA for the "debt". The collection company claimed that notices went out to me and they were not able to locate me. The ironic part is that I also had a car loan with BoA at that time and they received and processed my payments every month, which came via bill pay with my up to date address.

I'm divorced with 3 kids. I deposited $2300 into my BOA account and paid my electric and house payment, only to find out that they put a hold on the funds. It overdrew the account. Then, they returned the checks for the bills. I found out the hold is for 2 weeks. How do they expect people to survive for 2 weeks with no money?

I have multiple loan accounts with BofA. My loan on a second property is due every 1st of the month but payment is not late till the 16th. My wife received a call from BofA's collection dept on the 2nd. I returned their call and was informed the call was a "courtesy" call, I informed the representative that I have frequently made my payments after the 1st, and have never been charged for a late fee and that I understood where I was in the payment process.

Since then, my wife keeps getting calls from BofA collection. They are rude, and ignorant of the loan agreement's stipulated payment specifications and insist they have a right to harass those who don't pay by the f1st even though the payment is not late until the 16th.

I received the fourth call tonight and the representative again refused to accept the fact that my account shows that I contacted their operations and made a statement of fact as regards to my payment.This is blatant harassment and a complete disrespect for their clients' rights which are defined in detail in the loan documentation.

Bank of America cleared out my business account by taking out $1,596 to fill a hole of a fully drawn credit line. I had been unable to reduce the balance on that credit line for some time but, from time to time, had transferred money to cover the overdraft fees. They had given me a written warning, which was cryptic enough, threatening with taking the money out of my other accounts if I couldn't pay it off. And after I didn't react to that as they wanted, there were just robot calls for a while.

Then, suddenly, they took out all the remaining money of my usual spending account, which put me in the position that for several days I couldn't buy food. Their "legal" argument was some small print in the original contract. Even though they certainly had the option to take smaller steps to get their money back, they clearly went for the kill. Obviously, it doesn't concern them at all if I go hungry or into bankruptcy, which, of course, would even hurt them. Their strategy seems to be shock and awe.

I was a fairly new customer. I deposited several checks through the ATM from one of my other accounts with another bank, who my direct deposits went into. Well, it was my fault for not keeping up with that account better. All of the checks were returned for NSF. I went to check my balance one day, a week later, with BOA. My debit card would not work. I called and was told my account was closed for suspicious activity. I had switched my direct deposits at this point to BOA. Needless to say, it was too late. All of my direct deposits were bounced back to the respective places. I'm a single mother of 2 teenage daughters. I have now been almost a week without any money at all. They gave no notice, no nothing. They just closed the account without my knowledge. I still have not received anything from them, saying they closed the account. BOA has made me a better consumer actually, because I definitely do my research on a company before I use them. BOA has the worst reputation of any bank I've ever seen in my life. I hope they get sued again!

I was charged a 4% fee to do a balance transfer. I was not notified of the fee. I had paperwork that clearly explained cash advances were charged a 4% processing fee, however, balance transfers are not. When I inquired about having this waived, I received several inconsistent responses that this could not be done unless it was a bank error, which it was. I was not notified of the 4% fee. After a very long time with one "supervisor" Chris claiming that there was no one else to speak with, I was then put on hold with no notification and given to Julie who inconsistently repeated what Chris said.

I was then rudely transferred to Adam who spoke quickly, interrupted me several times and then eventually hung up on me. I was never rude, disrespectful or spouted profanities to the reps. I have never received such rude behavior from supervisors of a call center who could in no way shape or form help. I cannot stand Bank of America. I have always had problems with them, however, I tried again because there was a good deal being offered. I will never deal with Bank of America. Just as stated on the Today show today, Bank of America is doing fine. They are waiving fees for the wealthy and sticking those to the less wealthy and their integrity is being questioned as I had to experience with the customer service calls. The most horrific experience in my life. I would not recommend Bank of America.

Bank of America is the number one worst bank in America. Now, they are charging for use of debit card. I will be protesting and withdrawing my cash and putting it in a jar at home. Sounds like the panic of 1929. Sounds like another recession. Sounds like BofA needs money to cover their greedy **. They are nickel-and-diming my account more every month. I urge every BofA account holder to do the same. Take your money out of Bank of America immediately. I am unemployed through no fault of my own and cannot afford to pay for the million dollar annual salaries of these Bank of America's deceitful, greedy, lying bankers.

I am outraged with Bank of America. Just yesterday, they announced charging for debit card users. Our bank account has been changed from a $15.00 a month fee to a $25.00 a month fee.

I went to the drive through window today to cash a check. The teller has this happy voice telling me her name, "sorry for the delay," etc. All I am doing is cashing a check. When she sends it back through the tube, she uses my name, tells me that as a token of their appreciation for me being a customer, they are giving me a gift. I open the container and it is a small brown plastic football with the BofA logo imprinted on it. Can they really be spending money on such garbage? What the ** am I supposed to do with this plastic football? I have some ideas but I won't say it here! Also, as my husband pointed out, the thing is probably toxic and a child could easily put it in their mouth. How much money do you think they spent on the footballs? This is my 95-year old mother's main account with three direct deposits but I sure do want to close the account. This is absurd.

I've been a member of Bank of America since I was a toddler, for savings purposes. Now, in college, I've been a loyal member of the company and even referred people to join with them.

But with the financial future of Bank of America in jeopardy, the company has began charging fees which are just heinous for a 20-year-old student. I have three accounts and two debit cards. Now, each account costs $12/month to manage; and each debit card costs $5/month to use. Do the math, that's $46/month to be a member of their bank. Or, $552/year, for a dirt-floor-poor college student.

I opened an account with you one year ago after talking to **redacted**, a BoA employee who showed up at one of my college's on-campus events. He offered $20 just for opening an account at the local Redmond branch, so I took him up on it and filed for an account right then and there. Fast forward, three months and I checked online to see how my account is doing. I found that not only did I never received $20, I was even charged $17.90 (two charges of $8.95) for not conducting any transactions on the account --a fee that I was never even told existed. I begrudgingly paid the $17.90 balance on the account and converted it to a different type of account; one without monthly charges as long as I only used ATMs.

Well, it's been nine months since then and I kept my part of the bargain. I never went in to talk to a teller and though I was still little miffed at being $18 in the hole just for opening the account, at least it was now up, working and convenient. Recently though, I found out that due to changes in the account Terms and Conditions, even my account type could be charged if I didn't conduct enough transactions. Then I found out that Bank of America was also implementing a $5 just for using debit.

Both of those changes combined took away almost all of the convenience I get from the account. Now, I'm worried I'll wake up one day with more unexpected charges and that's not something I should have to worry about from my own bank. Due to this, I've closed my account with you and sent you this note so you'd know why you're losing my business.

On September 23rd 2011, I went in to the Reisterstown branch at around 5:05pm. I went in to cash a check, drawn on the bank, which was a security deposit refund from Garrison Forest Apartments. I was told that I would have to pay $6.00 to have the check cashed and when I asked why, I was told that it was because I did not have an account. I was also told that they were doing me a service. I asked the teller what she was doing differently for me without an account than someone with the same check with an account, again, I was told that they are doing me a service. I spoke with the manager, Marge ** and I explained to her the situation and received a response that it is their policy. I asked to see it but it was not produced. I turned to leave and then realized that I did not get her name. When I turned around, Marge and the teller were laughing at me.

I am disabled and I found their actions hurtful and unprofessional. I said to Marge that I am glad she is amused at my expense. I will be filing a complaint against her and the bank.

Last month, my house was caught on fire. No one was injured but my home suffered some damage. I received the check from my insurance company to fix my home this week (Monday). I went to the bank and deposited it. The check had to be endorsed by my mortgage company, my wife and myself. When I told the teller that I was depositing the check, she said that she had to call her boss over to verify the endorsements on the check. After it was verified that all three endorsements were there, they did the transaction for me.

So here I am, Friday of the same week, getting ready to head to the store and get more materials so I may finish up fixing my home. Suddenly, my wife tells me that her card was declined today. No way, I thought, as I logged into the BoA online banking to find that they had taken the whole amount out of my account. Thinking that I have written checks and made purchases on my debit card, what is going on? I am going to have hundreds of dollars in overdraft fees.

I called them to find out what was going on. After some time on the phone with BoA, they tell me that the check was missing my endorsement! I replied that there is no way for me not to endorse that check. It was checked at the bank at the time of deposit. After further investigation, the cc agent said that she was looking at a digital copy of the check and she could clearly see all three endorsements. However, the check was being sent back to me so I would have to wait to receive it, then go back to the bank and deposit it. I asked about all of the purchases I have made throughout the week. I asked her if I would be held responsible for the fees I was surely going to incur. The agent responded that it was out of her hands.

I was charged three overdraft fees because I used check from one account when I actually had the money in another account. I called and the representatives refused to even take one of the $35 fees off! I have been a longtime customer and to think that this is how they treat their customers is absolutely disgusting! No wonder they're in legal battle right now. After the government used my hard earned money to bail them out of their financial troubles, they're not willing to help any of us!

Terrible. They are always changing their number for the housing department. They lie about documents that have been sent and they hang up on their customers always.

I am writing this letter with regard to the closing of my account **. On August 2nd and 4th 2011, I deposited into my Bank of America checking account three checks from my and my husbands joint account at Sun National Bank. The first check deposited on Aug 2nd was in the amount of $230.00. My balance at the time at Sun National Bank was $232.

On the 4th of August, I deposited two checks into my Bank of America checking account. One check was in the amount of $300 and a second check in the amount of $300. On the 2nd of August, I had also deposited into my Sun National Bank account a Federal Credit Union check from a client in the amount of $600. The assistant manager at Sun National Bank assured me that the check would clear within two days. Unfortunately, that did not happen and the funds for the $600 check cleared 5 days later. This never happened before, as I had deposited checks before, which always cleared within 1 to 2 days. Because of the negligence on the part of Sun National Bank's branch assistant manager who, I assumed, put an additional hold on the check for $600. I am now being penalized by Bank of America for a mistake made by Sun National Bank.

I have been banking with you for almost 10 years, since it was Fleet Bank, and I would never risk my relationship with Bank of America, or putting your organization at financial risk. Moreover, I would deeply appreciate your reconsideration of your previous decision to close my account, please. Furthermore, it has been difficult for my family members who are also joint members in this account.

I thank you in advance for any consideration you may have on my behalf with regard to this matter.

Marta Maria **

These are the three major issues that I have with Bank of America:

1. They ruined my credit history. I paid four years by giving authorization to the bank to pay my loan. My health, kids having no jobs, and taking pay cut in this economy is hard on me. I was never late on any bill except this loan amount which is $1,448.00/month. I asked for a modification and an adjustment of money!

2. It was sold to third party--what I asked for two weeks ago. I paid more than $100,000.00 (nearly half the amount of the loan).

3. This is unfair. My credit was ruined, and my partner, who applied with me even after the re-modification, was offered several loans by Bank of America.

Sometime in the middle of August we were given a check by a friend that did not clear our checking account. We did not realize this and it overdrew the account, along with other items going through. The bank closed the account and then our direct deposits went in, these were over the amount the bank was owed. The closure happened on August 29, 2011.

On September 1st, I called to find out how to get the rest of the money from my paycheck. I am 81 years old, and this is social security and pension. The guy said, "7-10 days you would get a cashier's check for the balance, which should be around $1600.00". I waited and received no check, so I called the bank on 09/10/2011 and the girl said that she could not verify direct deposits and this was the account closure department. So she sent me to customer service who verified that the checks were deposited. The girl then said, "10-15 days to complete the closure". So, I then called on 09/15/2011. The girl said, "this account is not closed; you can go get your money from the branch".

I went to the branch as I am down to my last $40.00. I get to the branch, they said that there is some flag on my account, and they would have to call. The branch manager said she called ** and they said they were sending it to an investigator to finish the closure process. I called the same number 5 minutes later and the girl said she could not see my account and gave me another number **, I called this number on 09/16/2011 and she said that this was the wrong department and I needed to call ** on Monday.

I want the money that is owed to me. It has been 2 1/2 weeks and I need to pay my medical insurance and get my car fixed. Please help me. This is an emergency; I just want what is owed to me. Please.

The Bank of America refuses to acknowledge that they received my direct deposits on August 12th. It have taken four days and they still have not done anything. I had a deposit and they took three days which is bad enough; the first deposit was for twice as much money.

This is bull. This is my payroll check. What's going on?

The branch manager would not reverse the $70 charge to my account for an overdrawn amount of $6. I have a mortgage, two checking accounts and a savings amounting to over $6,000. The overdrawn checking account had $25 in it when a check for $31.00 came in. BOA paid the check and charged me $35 and then charged another $35 because the written notice was mailed. I had over $6,000 in the accounts.

I have a student savings account and I just noticed that they have been deducting an account fee every month without notice. I have spoken with a representative and he said that I need to have $25,000 in that account in order to prevent this monthly fee from reoccurring. This is a complete scam that BoA is doing. I have never signed an acknowledgement about this and they have been doing this since the beginning of this year. Why would they try to scam students who cannot afford these accounts? I closed my account with them and they were only able to reverse one account fee.

I have a checking account with Bank of America and have satisfied all conditions for a free checking about nearly a year. Last month, I needed a cashier's check. Before money was transferred to my account, I called and was told it was free for this kind of account.

But they charged $8 for the cashier's check. Now they charged another $8.95 fee, due to using counter service to get the cashier check. They deliberately gave wrong info so that they can charge fees.

I had a positive balance this morning, including the 2 pending payments. After checking a few hours later, it was -$291. Bank of America had posted 3 automatic payments and bumped 7(yes that's right, 7!) payments previously labeled as posted to the status of insufficient funds.

They purposefully posted the largest payment first, throwing me into the hole. They then charged me 3 overdraft fees. When I called and proved that I had sufficient funds this morning and refused to be charged 3 times because they altered the order of the withdrawals, I was told they could do nothing to help me.

The supervisor, Marianne, was unhelpful but did clarify that they will take out the largest amount first. But she said they were doing me a service by only charging me 3 times for overdrafts. Excuse me?!

Bank of America stated that I allegedly committed fraud in September 2008 and they were blocking my ability to have an account with them or any other bank. When I confronted them, they told me that they never allow me to have an account with them in my lifetime. They stated that I owed $115 and if I paid it, then I was admitting guilt. If I didn't pay it, they would continue to block my ability to obtain an account from any bank or credit union. I told them that I wasn't guilty and still paid $116.00 to F.R.M. but they wouldn't accept the money. Months later, and the money order was cashed, they still wouldn't life the block.

My grandpa got so mad that he sold his 2000 shares at Bank of America and closed his account worth $50,000 which he had for over 50 years. This bank made mistakes and the taxpayer was forced to give them billions. In return, Bank of America has become more vindictive and couldn't give a damn about a 24-year-old consumer. I am a full-time employee and haven't been able to cash my refund check for over six months because no bank will cash it.

Bank of America ran withdrawals, largest first, before deposits made on the same day. They were not done in chronological order. This has happened several times in the past as well.

We were charged with 3 overdraft charges, costing $105, as a result of their choice as to the order of withdrawals and deposits. This is an unfair and parasitic business practice.

Three accounts (**, ** and **) were opened under my name with a fictitious business Marquez Deep Cleaning absent my physical presence and properly identifying if I were the real depositor. I strongly believe there was collusion with the bank employee and the person who opened the accounts. The deposits (total of $28,140352) that were made in the accounts were mostly federal refund checks as shown in the bank statements. The deposit and withdrawal was practically in and out.

Coincidentally, my wallet was stolen a month prior to the above incident. This was reported to the local police authority. I did not make a big issue of the theft after I have canceled all documents that may be financially detrimental. What I failed to take into consideration was that my social security card, driver's license (replaced), business cards, etc. were also in my wallet. Now, I share my identity with a criminal. The culprit must have gotten his hand on one of my business cards, discovered I am a registered tax preparer. I will never steal my client's tax refunds. Our code of ethics are very specific as to what we should and shouldn't do.

I made several phone calls to B of A to investigate and if their effort proved that there was truly fraud committed in the creation and posted transactions in the above-mentioned accounts. Also, I called to exert every effort to recover the money and to return the funds to the rightful owner(s). There was no action from B of A; instead, they informed me in writing that the accounts were closed and that they can no longer serve my banking needs.

I noticed a charge of $12.99 a month coming out of checking account with Bank of America in April 2011. I never signed up for it. I called and asked what it is for and never really got a direct answer. It mysteriously stopped withdrawing $12.99 in May 2011.

I received your response to my complaint and clicked on review, and all there is are other people's complaints; nothing about what might be done. This company is literally stealing from people. They need to be investigated!

I was a small business owner whose business recently failed. I will be starting another job soon but I will be making considerably less than before. I called BOA to find out if they could help me by giving me a deferment until I get things situated and back on my feet. I have never been late on a payment but, they told me that there is nothing that they can do for me even though their website says different.

We have been simply trying to close out a BOA commercial prepaid card since March. It should be simple - call, cancel and they send us the balance! Nope! We have called every month. Every month we are told it will be canceled and the balance will be mailed to us in a check. Every month, a new statement comes with a $2.50 charge. We started speaking with supervisors. We were told we can only be credited 1 by some or 3 by other months of overcharge. A new month comes with a new $2.50 charge and the account is still not closed. We have been told our calls are logged in the system, but they cannot credit us all the months of their error. It is still not closed out. And now here in August, we are charged another $2.50, with an employee telling me the supervisor said only credit me this 1 month's $2.50. They are thieves! I've been on hold for 45 minutes waiting for supervisor to get on the phone. My phone will go dead before they get on the phone!

I bank at Bank of America. I still have a checking account there in good standing. In 2009, I used a "payday" loan company for a $250 loan. The payday loan company "United Cash Loans" did not honor the repayment agreements. All differing amounts of money were withdrawn from my account. I called BOA countless times to tell them not to honor these withdrawals.

BOA also paid a check for $99.00 that was not authorized by me or ordered by me, nor did I receive any goods or merchandise from this company. I signed a separate agreement with the company that my money would be refunded to my account. It was not. I disputed this with BOA. No letter was received by me regarding this unauthorized withdrawal. All signed paper work was forwarded to BOA. I closed my account. I was told by a telephone operator at BOA that this is the only way to stop the charges from coming into my account every day. I received a new card and checking account.

I went to BOA branch and signed to close the account. Lightning struck the computers at the bank in the middle of my closing transaction. At no time ever did the temporary teller (Michaela, my banker, was on her honeymoon) that the Bank would continue to take checks from "United Cash Loans". In fact, I was told repeatedly, because I wanted to make sure, that that "U.C.L." would not be able to put checks thru my closed account. All of my SSI checks went to the new account, and other transactions were all sent to the new account. The newspaper subscription I had on the old account was not honored saying "account closed", yet they allowed charges to accumulate with their bank and "U.C.L" charged me too. And rightly, as I assumed, this was over as far as my closed account was concerned, that the bank protected me with a new account.

It appears they did pick and choose. I then began receiving overdraft notices. I called, I dispute, I called again and again, and disputed asking every time, "Why are you taking checks into a closed account that you told me was the only way to stop this activity from continuing?" At one point, "Allison" at BOA (telephone) told me this was all taken care of and the charges would be removed. I found out when I wanted to open a savings account.

Why would I have closed my account if this would have continued? The last teller again, passed the buck and suggested I complain to the bank again. I am going to sue the bank if I do not get satisfaction here. Also, I am part of a class action suit (they automatically included me) with thousands of others regarding BOA favoring tactics in paying checks in an order that benefits them. I don't have huge amounts of money to pay for their greed. I closed my account per the bank's advice that they say would protect me. I think the mistake was made with the "new" and inexperienced teller and/or the lightning that struck that day.

I personally closed the account ending in 0330. Someone is covering up something there at BOA. Please consider this a formal complaint. I am available by US mail and telephone **. Isn't this illegal?

Michelle

I was paid by a client for services rendered. The check was drawn on the Bank of America. It was only a few hundred dollars. I went to the bank of America to cash it and they told me it would be a $6.00 fee since I did not bank with them. The check reads "pay to the order" with the amount which means pay to the order. They refused payment without charging me the fee.

I then asked where the fees were posted and the teller told me that they are not posted. In a time when banks try to steal every penny they can from us, I believe there should be a law that would not permit such amateur fees. If they cannot make money on their own, they should not be allowed to just take it from the consumer.

First of all, I was paid with a check "drawn at the bank". It was a Bank of America check so I went to Bank of America to cash it but they refused to because it did not have a signature. So I had my employer go though the extra effort and expense to give me a Bank of America cashier's check signed by the bank, and they would not cash that either because I did not have two IDs. I gave them three IDs all with my name on it; my driver's license, my college employee ID and my CareCredit card. They said the employee ID was not valid because it did not have a number on it and my CareCredit ID was invalid because it did not have an expiration day. They refused to give me my money.

I called the bank and they said the ID is the discretion of the banking center. That means to me that no matter what ID you have, the bank is authorized to refuse to cash any check for any reason. When I talked with the person on the phone, he said that the employee ID was valid if it had the current school year on it. When I talk with the banking center, they said it is invalid because it has no employee number on it because they were trying to enter the information into the system and the computer required a number. No one really seems to know what is required nor do they really care and have not really thought of it much. In the mean time, I need to be able to cash my check when I get paid.

The person on the phone also said any government issued ID would work, but he could not give me any examples other than military. I am not from the military; homeland security, I am not from homeland security; driver's license, which I had; and passport --I have no need to go out of the country. The issue is not only did I have three IDs, they do not agree on what is required by themselves. There is no real requirement. It is just up to the discretion of the banking center. But it is not really up to them because if they cannot enter it into the system, I do not see how that is up to them either. No one can tell me why my employee ID is invalid.

I even had what they required. They simply would not take it because they could not enter it into the system or so they said. I have three valid IDs but they refused to take them. In the mean time, I need to be able to cash my check.

In 2007, due to financial difficulties, we put our motorhome up for sale. We had an inquiry from an individual willing to pay our asking price. We owed about $25,000 more that that price, which was the current market value according to NADA.

I called the RV Loan Department of Bank of America in N. Carolina to see if they would be willing to let me sell the motorhome and to charge back the deficiency to our joint account as a personal line of credit. At this time, our credit scores were close to 800. We have never missed or been late on any payments, had no outstanding debt of any kind with the exception of the loan on the motorhome.

I explained that at our ages--70's-- we could no longer travel nor afford the monthly payment of over $700 as we had purchased a mobile home in a park in Tucson. In two separate conversations with persons at the RV Loan Department of Bank of America in both April and May of 2007, I was told the same thing: "We don't do business that way."

In February 2008, we met with a bankruptcy attorney in Tucson, AZ, and he determined that we only had two courses of action: 1) Voluntarily relinquishing the motor home and then having to deal with daily calls from whatever collection agency Bank of America would use; 2) Chapter 7 Bankruptcy. We chose the latter and it was filed in August 2008.

In July 2008, the bank repossessed the motorhome and we were notified that they got $40,000 at auction.

Had they taken my request, a total of $110,000 would have been paid by the buyer and then the remaining $25,000 would have continued to be paid by us at a payment of $700+ per month for five years to pay off. I no longer have the total amount they would have received for this vehicle, but it was many $1,000's more than they got!

Not unlike what they have done and are doing to homeowners in a similar position. I not only lost the motorhome and its monthly cost, but also over $3,500 worth of collectibles, $1,000 of jewelry supplies and equipment including 16 oz of 14K gold and 24 oz of sterling silver wire I used to use to make jewelry.

Jackie, the so-called manager wouldn't even speak to me. Let me tell you, no manners, no respect. Shooing a client that goes there more than four times in a month, shows no care for their clients.

Not only just one client, may I mention, but another person who works with me feels the same.

I received a letter from Bank of America privacy source dated August 9, 2011, thanking me for being a member. I did not sign up to be a member. I do not want to be a member. I do not want to pay an automatic monthly fee for credit monitoring.

I had to call to cancel this service. I will have to monitor my Bank of America accounts for any erroneous payments due to this erroneous membership. I am retired on a fixed income. I do not want this service and I do not appreciate this scam.

Bank of America straight out lied to me on the phone and then slammed me with charges that they specifically said they would not give me.

It all started when I received an email saying that BofA would charge a monthly fee if you had a checking balance under $1,500. I called Bank of America and asked them how I could avoid this, and she responded, "If you use eBanking, there are no monthly fees." I was interested and said, "So there are no fees whatsoever? No maintenance fees? No recurring fees?" She said yes, "But if you go into a bank branch, you will be charged a user fee for the deposit." I said, okay, I won't use a branch.

A month later, I received a $10 "monthly maintenance fee," and was blown away because they just told me that there would be no fees. I called Bank of America, explained the situation, and asked them to reverse the fee. They responded, "Sorry sir, that's your fault, you used a branch." I said, "No, I didn't, and I'm looking at my statement now to prove it." They said, "Well, it looks like someone else made a deposit into your account."

Oh I get it, they charge fees on anyone depositing into your account. Thanks for clarifying that ahead of time, bunch of deceptive customer service representatives.

I wish we could go back to the day where your bank provided a service, not steal from their customers.

In May 2011, I called in to report due to increased financial obligations of recently having my Dad moving into my home on hospice and his passing away on April 21 (unexpected), along with my daughter's wedding (planned) and an injury my dog received during my dad's illness, resulting in need for three trips to vet and finally surgical intervention. I was experiencing financial hardship.

I was told I needed to send specific paperwork as well as a letter to ask for a deferred payment to the end of the loan for May's payment. Paperwork was sent and received according to tracking receipts, to the address I was told to send it. I then received a sympathy card from BOA. This was all prior to payment being late. In June, I attempted to pay the June payment online but was unable as May payment was still showing due.

When I called again to BOA on June 7, I spoke to "Jessie" who informed me I was given misinformation and the request had not been processed and it was showing no information received. I was informed I would need to re-submit all the information with additional information once again. I then received a letter stating I needed to contact Wendy ** at 1-800-669-0102 ext. 4731 to arrange repayment and avoid foreclosure.

When I called the phone number stated, I was told I could not be transferred to the extension stated because they did not have the ability to transfer to that extension, it was not associated with the phone number I was given. After some arguing with the representative, he finally looked up her name and gave me 213-345-6305 as a number I could call to reach her. Since I felt I was being given the runaround and a similar thing had recently happened to a friend of mine with this same bank resulting in her losing her home, I decided to try to refinance with a different bank instead of continuing this process with BOA.

I received a settlement check from BofA, Atlanta, GA. I spoke with Tiffiany from Atlanta branch who told me it was not necessary to open up an account to cash the check.

I went to the branch located in Baldwin park, showed Macella the check. She told me that they ordered the money and to come pick it up on Thursday, 8/25/11. IwWent to the branch with my brother. Assistant manager Thomas ** played games with us for three hours, saying they needed authorization from his manager. Then he said you can come cash your check. Then he said go to the room and pick up the cash, then he said wait a minute, I have to check with my manager. Then he told me, "I'm waiting on a fax". Then he told me his manager will get back with him in 45 minutes, then it became two hours.

Finally while they were counting out the money, he told me, "I'm sorry I cannot give you any money." When asked what the reason was, he could not even tell me.

Mr. Thomas ** committed a violation of racism against me, a black civilian, whose purpose was to just cash a check which I had been waiting for 11 years. Because of Mr. ** racial treatment against me, it's sad to say that i will never open up an account with you bank and I'm going to be sending letters out worldwide to let the people know of the racism that goes on at Bank of America.

I took a home loan with Bank of America. The loan officer told me that I would have to have PMI insurance until I sold my old house to pay down on principal reduction. One year later, I paid down huge principal reduction which PMI did not remove. The loan officer told me that it was one of the perks that Bank of America provided to all their customers. PMI would be dropped once you met the ratio. Six months later, they said that I must use their land appraisal company and have it re-appraised in order to get it dropped. They said that I signed the loan disclosure statements. Why did the loan officer lie to me to get my loan? Why do I have to suffer because I believed what my loan officer told me? I want back payment from March when it should have been removed from my monthly mortgage payment.

I sustained hail damage to my home. I reported it to my insurance carrier, State Farm, who sent out an appraiser. He wrote an estimate and I received a check.

I called Bank of America to obtain a reference number so that my local office could endorse the check for me to proceed. I was told by the representative that because I have recently undergone a mortgage modification, they would not endorse the check. They required me to endorse it and send it to them instead. That representative sent me documents that I had to complete and submit with the check. I did so on August 10, 2011.

I called today, August 24, 2011, to find out where the disbursement was. Ms. ** informed me that even though my mortgage is current, they would not allow me to serve as my own contractor (as the paperwork indicated, I could and I advised that I wanted to) and that they would not sign the check over to me. She stated that they would only send funds to my contractor and me. The paperwork they sent me specifically states that I can serve as my own contractor, and furthermore, the original representative at BAC said nothing about being precluded from serving as my own contractor.

My personal AAA credit card was closed out due to faulty information at a Bank of America. They claimed that they have reported that I have late payments on my credit reports. I have never had a late payment with any credit card or company ever. All my credit reports also show the same.

I was passed around from department to department with no help at all. They also said that I have applied for business credit and was declined for the business credit. I was declined for the business credit and should have no bearing whatsoever on my personal credit card.

My husband died on July 17th 2010. I contacted Bank of America about the insured home loan and furnished the death certificate. They have not only ignored all my request but one loan turned into two and now they have a collection agency calling me several times a day asking for my husband. When I realized that I could resolve this myself, I retained a lawyer and we literally talked with Bank of America for three hours asking for the loan papers to no avail.

My SSI check ($1,211.00) goes into the account each month to cover the loan payment of $878.43 and according to them, it is not enough to cover the loans. The prospects of loosing my house after loosing my husband is very upsetting. I cannot afford to retain a lawyer to sue them and I am at my wit's end.

I saw on the news that Bank of America is a supporter of a Republican/Tea party candidate.

Since I am a customer and I am not in support of this party, I am filing a legal complaint. Also, I am wondering if the 3500 layoffs are being done just to support the Republican Tea Party to contribute toward raising the unemployment number to make the president look bad. Since I am a customer and I am not in support of this party, I am filing a legal complaint. Also, I am wondering if the 3500 layoffs are being done just to support the Republican Tea Party to contribute toward raising the unemployment number to make the president look bad. I am upset and would like to seek legal action.

I went to use my BOFA Business debit card last evening to buy food after an evening out. The card was declined when my account balance was not the issue. I tried again at another location twenty minutes later and the same thing happened. My friend who was with me, did the same thing with the same outcome.

A call to the business card call center resulted in a confirmation that my funds were there and available; however, a representative was not available due to the time of day. This occurred while on a date and while out with a group of friends. It is both frustrating, humiliating, and not acceptable. If this occurred when I needed gas for a long road trip or on my upcoming trip out of the country next week, the consequences would have been much heavier.

After following the news about the current turmoil that the company is under, this is making me consider moving all or most of my funds to another presumably more stable financial institution.

On July 3,2008, our daughter Karen ** and I opened a minor account for our grandson, Joshua **, with one hundred dollars for his educational fund. Miss Sheila ** did not tell us there was a minimum balance or a maintenance fee involve with this account. She told us that if there was no activity involved, we would not have to see the statement each month. She said, "Don't worry about the balance until Josh turns 18." On August 13, 2009, I put $50 in this account again. This summer, I gave him $100 to put into this account.

To our great surprise, this account had a balance of -$13.73. Joshua was totally disappointed and wanted to hand on to his money without depositing. We had never got any paper statement so far. An e-mail statement was sent to our son-in-law, Gideon **. However, Gideon was not a custodian and was not able to open Josh's account. Breigh would not let us have a three year transaction history. She sent us to customer service for a wild goose chase. We called Sheila from Maryland office at **. She said she could not see any activity at all and could not help us. We spoke to customer service online and by phone and we were getting nowhere. Customer service said that due to security reason, we could not help you etc.

We felt this whole set up is a fraud. This is our grandson's first banking experience. It surely is discouraging for a young eleven year old boy to deal with bank. If you cannot trust your local banker to help, who can you go to. We are not putting money in for BOA to take it out! We are trying to help the youngster to learn to save. I am not sure how many other minors have the same type of experience. BOA is a worldwide bank. They can at least refund $150 to Joshua. There should be a better way to resolve this issue before I write to Georgia Attorney General's Office to complain. Thanks for taking a further look at this account.

**

I put a hold on my pay check of 600 dollars. I deposited the check to cover a 200 negative balance. They released 300 hundred then took 200 right off the top and are now going to hold the other 300 until 8/27/11, leaving me with only 100 for the week. After calling and speaking with a supervisor, I was informed that there was nothing that they could do, even though it's well within normal banking hours and they could have easily called the other institution and verified the funds.

After a half hour of getting nowhere with the phone representative, I figured this was my last resort. It is unfair and unethical for them to treat a long time customer this way. If I had been warned that there would be a hold, I would have walked across the street to the bank that it was drawn from and cashed it and then deposited the cash.

Bank of America forced me to convert from a chapter 13 to a chapter 7 bankruptcy. Their attorney boggled the paperwork and stated that my payments were supposed to be double the amount that was on the statements that BAC was still sending me. This would have made my chapter 13 payment more than my income.

Even before the chapter 7 was final, I tried to get a loan modification, but BOA refused to speak with me (even though I had faxed them permission from my attorney.) After the chapter 7 was discharged, I continued to try to get a loan modification, but (of course) paperwork always disappeared!

I just received a letter of intent to accelerate on August 15. Part of me wants to keep my home, but another part of me wants to move out and torch it after I cancel my homeowner's insurance (kidding).

All kidding aside, BOA has harassed me by sending people out to take pictures of me and the property. These people ring the doorbell and when you answer, they act like you are not talking to them and they can't hear you. It's like being in the Twilight Zone. Also, BOA has had my homeowner's insurance cancelled twice. I pay my homeowners insurance and always fax them proof.

Apparently, their staff drive by and think that no one lives here because (and I quote) "the yard wasn't mowed." Hello! This is in January. The grass is dead and brown in January; there is nothing to mow. BOA just wants to tack on their private mortgage insurance so they can get a larger payout from the "investors" on my mortgage once they foreclose.

Finally, I have done my own research at the Rutherford County Clerk's office and my mortgage title is missing some of the transfers (it has been transferred from bank to bank several times since it was originally a Countrywide loan). I have asked BOA, via certified mail, for a copy of the original noteand they don't have it. They have no legal right to foreclose on me. I can't find a lawyer who has enough guts to take the case. My American dream is turning into an American nightmare. I need help.

If Kellie from Franklin, TN sees this (saw your complaint several posts down), please email me if you find a lawyer. I would be willing to drive to Franklin (I am in Murfreesboro) to see an attorney. **

The short comment is don't use Bank of America.

Here's my horror story. First, I have a good income, a credit score of over 800 and I put almost 50% down on the house, so I did not expect this to be painful. I also travel out of the country extensively for my job so I forewarned the bank to avoid last minute requests I couldn't handle. You won't believe what happened.

Early March, I had first contact with BOA for a house I thought I would buy but walked away due to inspection issues. On March 5, requested and sent bank statements and tax forms. On March 9, while I was away, they urgently needed my signature. I assumed it was a signature form that allowed them to access my personal information. I was at a client's and arranged to have it emailed to them so I could sign and fax it back. I explained to BOA that they were sending it to my client's office and not my office. When I received the papers, they were my tax returns! Can you believe this ** sent my tax returns to my client! She never told me that's what she was emailing. How inappropriate and what a complete invasion of privacy!

In early April, my house was sold. I was in a rental, my furniture was in storage and I was negotiating on a house. I needed to move fast. I specifically asked if they could meet tight timing. I walked away from a mortgage broker to stay with BOA. They said they could. Lie!

On April 13, second request for bank statements and tax forms that were already sent. On April 15 (just a side comment), BOA also quoted on home insurance. They cost 50% more for an inferior policy against what my insurance agent found. On April 18, a few days after I filed 2010 taxes, I called BOA and asked it they wanted them because I would be out of the country the following week and would prefer to send them now. They said they would get back to me. They never respond quickly.

On April 19, they wanted a documentation of every deposit made into my account to trace where money comes from. When I sold my house, I put the funds in a Money Market account, and anticipating they would ask about this, I sent the statement from my online banking. They didn't ask for it; I was trying to be helpful. But with BOA, no good deed goes unpunished. The next day, they wanted additional details and the bank to sign something about this account. I threw a fit (the first on many) and reminded them they did not even ask for this information. I was trying to be helpful. They are not. And why are they just asking about this now? They had my financial information since March 5!

On April 20, I signed the contract. But before signing, I asked BOA how long they needed to finalize the commitment. They said seven-10 working days. I changed the mortgage contingency date in the contract to 11 business days. On April 21, the contract was finalized and sent to the bank with 10 days for contingency expiration on May 6 per their request. April 21, they needed me to sign some papers and FedEx them back that day. I had some questions. It took nine emails and phone calls before getting a call back.

On May 3, after waiting two weeks, now they requested my 2010 tax forms (see comment on April 18). Then the following day, they indicated that one of the reasons the approval was delayed was because they just received my 2010 taxes. Can you believe the audacity of these people? On May 3, they emailed me disclosure to review. I emailed that I couldn't open them. Never heard back. They don't care. Just a bunch of clerks checking things off their list.

On May 5, they casually mentioned on the phone that the appraiser will have to go back to the house to verify if the septic repairs were completed and that they need five days to schedule him and another two-three days for the underwriter. What? This puts my closing date of May 25 in jeopardy. They received the contract on April 21 and knew about the septic and my closing date. Why wait two weeks to tell me this?

May 5, today is the day before my mortgage contingency expires (their date) and I have not received approval. I called the bank several times. When I called the person handling my account just before 5, her voice mail said she would be out the following day. She knew that was when my contingency expired. She could have at least told me she would be out or left me a voice mail. I had to track down other people at the bank to find out what was gong on. I set the contingency date to meet their timing. It didn't matter. They lied about timing and they had no regrets or apologies about it. My lawyer was able to delay the contingency two more business days.

On May 9, new contingency expiration date and still no approval. I'm now committed to the deal even though I don't officially have a mortgage. Also on May 9, I received an mail asking that earnest money "must be verified and sourced via cancelled check or certified funds along with 60 days seasoning." Huh? Requests for information should be clear and not just copied and pasted from bank documents with no explanation (which this was, as evidenced from its different style type). I wanted to send them a check with salt and pepper on it.

On May 10, I received a GFE to sign and return. It was for another house I was looking at, not for the house I was contracted for. And I called with questions on the GFE but no one called back (except the salesman). Sloppy bank.

On May 14, I made notes all over the GFE and mailed it back, not sure if it's "legal" to do that. No concern for customer service at all.

On May 25, closing isn't going to happen today. Maybe tomorrow. They sent me several emails saying everything was approved so I'm ready to close the next day. Right? Not. I get an email that they are waiting for a letter from my CPA who is out until that afternoon. This was not listed in any of the documents needed and never, not even once, mentioned in an email or phone call. Now they are going behind my back to contact my accountant directly and adding things that were never in the documents. This lacks integrity. This is deceptive. Maybe illegal.

The result? My closing was delayed another week, which resulted in having to pay for another month of a rental and another month of furniture storage, costing me $2000 that they should be paying. By the way, I've heard similar horror stories from other people. They have a reputation for taking the longest to close. Four months is the average from people I know.

I have never, never been so dissatisfied with any company. They exhibited complete incompetence, stupidity, lack of concern and deceit. BOA lacks integrity as a bank and they have absolutely no interest in customer satisfaction. If you're looking for a mortgage, do not use this bank. You will regret it.

I came in to close my account. Teller withdrew my money and handed my account number to another teller to close it later. I waited three days and my account is still open (I could still see it on online banking).

I came back the second time and they said they couldn't do the transaction. I would have to go to a different branch to close my account.

I make regular payments on a mortgage and for the second time this year, they have refused to accept my check saying there is no such account and of course they charge me $20. It is a valid account and no other creditors have trouble cashing my checks.

I've had Bellco Credit Union call them and tell them it is a valid account and the money is in the account but I have to beg and plead with them to remove the $20 charge. Bellco said they think B of A miscodes the checks. I have no idea. Fortunately, I make my mortgage payments months in advance because I'm sure they would want to tack on a late payment.

I am currently begging "David" in Bank of America's Richardson Texas call centers to remove the $20 charge and take my payment out of my account. This is totally stupid. I'm tired of begging, all I want them to do is cash my check and post the credit to my account. Is that too much to ask?

I am an assistant for a company in Massachusetts that helps distressed borrowers do short sales. Bank of America has two other companies that it works with to process them, UTLS and AMS. The borrower's investor is Fannie Mae.

Different reps at both companies have given me conflicting information about whether or not Fannie Mae still participates in HAFA short sales. One person is telling me they do and another person is telling me they don't. I documented my conversations with both parties.

The file was in underwriting due to go to evaluations for a review that would have resulted in a short sale approval within another month. Instead, a rep at UTLS marks the file as a HAFA short sale with no offer when the file had an offer on it when it was transferred from Bank of America to UTLS.

UTLS sent the file to AMS marked as HAFA with no offer, which prompted AMS to inform me that they don't handle HAFA short sale files with offers. On Friday, August 12, the file had to be declined in Equator because of its status and I am being asked to do the process over again when I have given them everything they asked for.

I was solicited by a computer notice to do a mystery shop. After doing 2 of them, I found out that it was a scam. I had to cash out money orders that were NG (no good), and send money to other persons. The police report is on file, and they said I should not have to repay the money. I gave all information to them, and I still do not know if they ever found people. The bank reported me to check systems, and I will never be able to get another checking account as long as I live. Due to the circumstances I feel that this was unfair, as it is now also on my credit report.

Bank of America repeatedly, over 2.5 years, merged my profile with that of another customer with a similar name; has reported, for 2.5 years, incorrect credit information about my financial history to the three credit bureaus; has refused to communicate the correct information to the credit bureaus; has put me through hundreds of phone calls with hundreds of B of A workers over hundreds of hours without resolving issues; has provided via this merging private information to another B of A customer (including my SS#, birthdate, address and former addresses).

This letter is with regards to the "Bank of America." I have had so many problems during the past several months that I just do not know what to do or where my rights are or even if I have any rights!

Back in April, I noted some fraudulent activities in my checking accounts. I called the bank and had both of my checking accounts closed as well as my savings account and my debit card. I made the necessary phone calls to all companies who had automatic withdrawal rights. I then opened up two new checking accounts and one savings account and received a new debit card.

When my social security check went in for deposit into one of my new accounts, it was bounced back to social security. After at least 5 phone calls, I was told by a representative that one of the new accounts I opened (which happened to be the account that my SS check was to be deposited into) was closed for "unknown reasons" and the check bounced back to Social Security. I had to wait two weeks for that check. At the end of the month, when my Disability Pension check was deposited, Bank of America also bounced that back. Again, I could not get any reason other than "I'm sorry, I can't figure out why this check was sent back."

Now, last week when my Pension was deposited, the bank deducted over $200 to put into that account that was closed, saying that I had several overdue bank charges because companies continued to try to deduct from it. One company, whom I do not recognize, tried over 5 times to deduct! I was charged all those $35 fees even though it had been closed for almost 4 months now.

I spoke with the manager of the Bank of America this morning and he told me the same thing that they have been telling me all morning and that there was nothing they could do! Even though I closed out these accounts, I am still responsible for any debit that comes in to this account and any type of bank fee. This does not sound right to me. I know that some of the laws are unfair but I can't understand why there isn't a law against this! Why would I even close this account?

I hope that you can help me with this situation. I live on my SSDI and pension and I am still losing my home due to high increases in everything that we have been having. I cannot afford to give the bank $214.00 in addition to numerous $35.00 fees due to an account that has been closed since April 2010.

Thank you for your time and consideration in reading this letter. I hope that you can help me.

Pamela

I received a letter in the mail from Bank of America with the following stamped notice in red: "Reminder Notice/Sign" on the front of the envelope and "Process Immediately" on the return form which is inside. We have a checking account with Band of America and so I quickly opened the envelope only to discover it was a second attempt to get me to purchase accidental death insurance.

I find this to be deceptive. I can see how some, particularly seniors, would sign this and return it without really looking at the material inside. This is very deceptive.

Every time I set up a check to come out, they don't post it to my account until the next day. Then they charged me a returned check fee and overdraft fee. Bank of America has taken almost 500.00 dollars from me in fees from June-August and I would like them back.

The back parking lot behind the bank on Broadway Schenectady NY between Perry st and 12th streets are a mess. Small trees & tall weeds are taking over the lot. Please have your landscapers come here ASAP and clean this up. It's all well overgrown & must be maintained on a routine bases. Also bring in a street sweeper to sweep the lot. This lot has not been maintained for several years. The bank is closed and is for sale. Thank you in advance for your cooperation.

We applied for a loan with Bank of America on June 22 and it got approved. We faxed all the paper work to James **. A week later, we got a letter from Kelli that she never received our paper work. We double checked with James ** and he said that he got all the paper work. So, we are confused, but anyway we faxed back all the paper work to Kelli. After that, she sent us an email regarding the loan. We answered all her questions; then, she asked me where the big money 50K came from? I told her that I owned a house in Indonesia and I sold it. She asked me for a proof;I asked my dad to scan it and I forwarded it to her.

Then she said she can't use it because to translate that document is quite expensive. So I advised her that I have a friend in BOA who knows how to translate. After that, she told me I can't use it because the property was sold in 2009 and the money didn't get wired till February 18 2011. I told her because we did not need that money at that time because we both work and we don't have any bills, except our mortgage (we both have perfect credit scores 805 & 795 ) and the house market was so high. So, I asked my best friend in college to hold the money under her name since I live in us. Then Kelli insisted that my husband and I both need to withdraw our retirement in order to close document. I told her why we need to withdraw 401k and IRA, if the money for down payment has been sitting in our account for more than 4 months now? I told her that we put more than 20% down payment for the house that cost 305k; so, do you think we want to lose our money? I asked Kelli what kind of money we can use to use as down payment. She never replied back to me back.

Then another person (name is Glen) called me and asked if I can get a proof from my friend. My friend gave me two recent last statements until she closed the account and wired the money to my account.

Then Glen asked me to declare that the 50K I am going to use as down payment is a gift from a relative. I told him, "So, you want me to lie and in the future if I have to pay for tax gift, will BOA be responsible for back taxes?" He didn't answer my question ; so, right now it's already more than 1 1/2 months and we're waiting and waiting. This situation is really stressful. We wish we can find someone who can help us how to solve this problem.

He completed the application in my name for the mortgage with Countrywide. It was all approved without my knowledge until one morning he said, "I need you to talk to the representative for a couple minutes" (they needed to verify something or other). He then told me to agree that I made whatever he had put down on the application or else (I was making about $25,000 a year at the time; going to school, and he already had my name on those two other mortgages for about $275,000). For some reason they still approved the mortgage, and we fought all the way to the closing meeting in which he promised me if I just went through with signing the documents he would refinance it out of my name as soon as we returned home because he didn't want to back out now and lose his deposit.

A couple months later, he still hadn't refinanced it and would give me one excuse after the other. Soon after that I had no choice, but to leave him because he had been cheating on me the entire time, and was emotionally and verbally abusive.

This left me without a penny to my name because he had already maxed out my only credit card with furniture for one of his houses and his attorney fees and et cetera. I became nearly homeless with two expensive homes in my name. I finally was able to sell everything I had left (that he hadn't taken, and refused to return to me), and managed to return home to PA where I am from.

I begged, pleaded and fought with him from before signing those documents until the summer of 2009. He refused to sell either property, or refinance them out of my name. He stopped making the payments on them while collecting the rent. I tried to call BOA and talk to them about my options, which were none. I spoke with an attorney and tried pre-paid legal; no help there either. I tried to contact a real estate agent, but he said he couldn't do anything without his approval because he was on the title.

In the summer of 2009, I made the heart wrenching decision to file for Chapter 7 Bankruptcy. I had no choice because he had maxed out my available credit with these mortgages and credit card, and wouldn't pay on any of them. In the meantime, I was being harassed, and my credit score was ruined. I couldn't get a loan of any kind for anything. That leads me to the BOA nightmare.

I filed bankruptcy paperwork with a bankruptcy attorney in October 2009. All four mortgages and the credit card debts were discharged in January 2010, and I surrendered both properties to the lender in the proceedings. I thought this horrific part of my life could finally be put behind me. Not so.

Sometime in November or December, I received official documents that I was being sued by BOA. It turned out that it was normal proceeding for them trying to "take" the house I surrendered. Then in the beginning of 2011, I received more official notices from the state the one property is in that I am being sued by the company of the housing development (and by BOA) for the sum of the property about $99,000 plus late charges, fees, attorney and court costs and et cetera.

After I went through the whole thing with that department they said they couldn't help me either, and they were going to transfer me again to another department that was handling this. They transferred me to some "special" department. which must mean legal department. After going through the whole thing again, and the representative looking through my file he said, "You need to talk to a "special representative", let me see if I can get them." Finally, he got back on and said he was unavailable but could he could call me back.

I called back more times than I can recall, and each time I someone else had to go through the story again and again. Each time their story changed a bit, or the person just had no idea. I finally would call and ask to speak directly with a supervisor. The last time I spoke with BOA the supervisor said that they don't show that this mortgage was discharged in bankruptcy court, and he thought I should send my documents. I told him I had already sent all 50 some pages to them. He said, "Oh, well they probably haven't processed them yet it will take a couple weeks." I said it was more than a month ago. He then said, "Well, they need some additional form that shows that it was discharged." He quickly did what every person I have spoken with at BOA has done in these phone conversations which is say, "I shouldn't be talking with you" and "you need to have your attorney call for you." I would explain for the umpteen times that I don't have an attorney. He said, "Well, aren't you in litigation with BOA?" I said, "No, don't you think I would know if I was?" He said, "Well, did you sign an agreement that someone could represent you and et cetera?" I said, "I did no such thing. Like I've told you and everyone else at BOA I don't have an attorney. I haven't worked since 2009, and I don't owe you for these mortgages that were already discharged through federal bankruptcy court in 2010." He finally said, "Don't call again, we can't talk to you. You need to have your attorney call for you." Then, he hung up on me.

I'm still receiving notices to call in regards to my account and that I owe, and all these fees are being added on. A couple weeks ago, I receive a notice from BOA that not only do they think I owe them for this second mortgage that they had been harassing me about, but that now I owe them for the first mortgage too, and that if I don't dispute the debt within 30 days they will assume that I am saying the debt is valid. The mortgages with all the fees they have tacked on there is now up to $127,000 plus or minus.

Today, I received another notice from them that they are adding fees to my home loan account because they sent someone to inspect the residence and found it vacant.

In the meantime, I have been begging and pleading with the paralegal from my bankruptcy attorney's office to look into this since February of this year and most recently called several times. I emailed her copies of the latest documents. I've asked her if there was some other "release" form or something that showed specifically that these mortgages were discharged. She will not reply or speak to me when I call. I told her that now I only have a month to get whatever that form is to BOA, and she still refuses to respond in any way.

I have no idea what else to do. BOA are white collar criminals, and something needs to be done about their practice of harassment and bad record keeping and et cetera.

I wish the house would sell, or they would just take it and leave me alone. I spent a total of 10 minutes in that house, and it has taken about 10 or more years from my life.

We set up automatic draft for our mortgage payment & Bank of America didn't draft the payment like they were supposed to. Instead they said we never made a payment in October of 2010, and it showed on our credit report that we were late from October until February. We feel that we should not be punished because they didn't do what they were supposed to do.

Like many people, I was the intended victim of an online scam that used fake USPS Money Orders. What is infuriating is that Bank of America would have gladly cashed these obviously fake USPS Money Orders and then, upon determining days later that they were, in fact, fake, they would have held me responsible for the funds. To anyone involved in financial transactions, it should have been patently obvious that these were fakes, and the Bank should not have been willing to cash these Money Orders. The example they gave was about fake checks, but my guess is that if I tried to cash a check that was written on the back of a napkin, someone would have noticed. This case is not much different.

Banks, as the financial "experts' should be responsible to the smallest degree to guard against such blatant fraud. The consumer is left to shoulder the burden which the bank is rightfully obligated to perform in cases where fraud would be obvious to anyone with a modicum of training, the bank should be obligated to provide any employees involved in financial transactions.

We sold our house, and had two loans. Bank of America was to refund money from escrow and over payment. They blamed the post office for not getting the checks they issued on the 11th of July. If Joe Consumer is late on a payment, the bank will charge him a late fee. It they are late, all they say is the post office is to be blamed. Let Joe Consumer use that as an excuse.

Bank of America offered student loan. I signed it, the check came, and then Bank of America closed the account and they are demanding payments right away. There were stolen identity issues involved with BOA with my credit Margaret ** and William **. With this large account and 1 small account, there was no credit status on either one, even the ones ending in ** and **! Both accounts were closed, making both of our credit reports negative for so long.

Some of this should have been protected by 2001-2 active duty, Iraq 2007-08 SCRA protection, AlArmy National Guard, fulltime Active Duty Service and presently for WSG.

I have a checking account with Bank of America for the last 20 years, but for the last four months, my bank has been mishandling my money. When I started my three-month payment period toward my mortgage modification, I set up an E.Z. auto payment plan with my mortgage, and my bank is stopping my mortgage payment.

I opened a HELOC with Bank of America many years ago. I had a credit card sent to me which is how I accessed my funds. I have not used this account for several years and have paid down the balance substantially (initially 25,000. now I owe 9,949). I cut up the credit card attached to the account years ago.

Somehow, without notifying me BofA changed my account to a gold option loan. It is showing that I have the ability to access 15,000, yet I am unable to access this money at all.

BofA says that this is an unsecured account. If this is so, then why did I have to have my house appraised in order to receive this HELOC?

Basically, I want to be able to access these funds if they are truly available to me, otherwise I do not want this information to show on my credit report as though I have the ability to run out and charge up huge amounts of money.

I also want the money I spent on the appraisal refunded to me, since this was obviously fraud. To require me to have my home appraised to fund an unsecured loan; it seems pretty fraudulent to me. If I recall correctly, the appraisal was $495.

07/18/2011

$15,050.56 is yourCash credit line available

08/08/2011 is yourPayment due date

$395.00 is yourCurrent payment due

Pay now

total credit line

happy with that response I called again and was transfered to another department helping me wave the late fee. After he waved the late fee he informed me that since I was unemployed they were reducing my credit card limit to what I currently owe on it. When I asked why he said it was to prevent me from using it and going deeper in debt. I told him how could he do that when I have an established credit line with them and have never been late on a payment. He had no response. Being a union electrician I get laid off from time to time but make my bills on time. I will be telling my union brothers about Bank of America reducing credit limits if they get laid off.

I purchased an automobile in 2007 and financed it through the dealer who used Bank of America. Throughout the life of this loan I have nver missed or been late with a payment. As a matter of fact, I am actually paid ahead. On June 28, 2011 I mailed the check for the June payment. It was due on June 30 and we had been out of town and I didn't get it out as soon as I normally do. On July 11 I recieved a "robocall" from BOA telling me I had an important message. I called back and receivied another "robo" voice telling me I was 7 days late with my June payment.

I called customer service and talked to a live person who also sounded "robotic" in her directions to me. There was no "human" in her voice. I made a payment by phone with her. I do not remember her telling me there was a $15 charge for making a paymenht by phone. If I had heard that, I would have made the payment on-line. In checking my bank account on July 16, I find that my check cleared the bank on July 11 and there was the phone payment I made that day also, but it was $15 more than my payment. I called and spoke with Charles in customer service on that day and found him to also be "not human" but more "robotic" in his dealing with me.

My point is this: I mailed the payment on June 28. Allowing three days for it to get to them by mail, that means they had it by Friday July 1 at the very latest. They did not process the check until probably the next Friday, July 8 as it cleared my bank through the mail on Monday July 11. My payment was in ther possession for at least a week before someone bothered to process it. which means my payment was late and now they charge $15 to pay it by phone, when it was not necessary. My guess is that this is around the July 4 holiday when staff took time off. Now I receive my statemnt for July and they want the equivalendt of two payments as they say I have not paid the last payment when they have actually received two payments; and remember I am already paid ahead. I understand delays in computer processing but this is ridiculous. I have requested my $15 be refunded but since there is so little staff there on the weekends, I have to call back on Tuesdy to see if my refund has been approved by a supervisor. Bottom line: don't ever do business with Bank of America.

I have a question. I have a Bank of America checking account, and they tell me that I need to find a job that pays me 250 dollars every week or month to be deposited in my account; or they are going to charge me 12 dollars a month for maintenance fee. I think that this is discrimination against low-cost people who's not making 250 dollars weekly or monthly. That's not right. In others words, they're saying that you have to be rich to join their bank. I need attention about this matter.

While checking my accounts online today, I noticed a hold for $101.58 on my savings account. I had no idea what this was for, so I called the 800 number to speak with customer service. The first representative I talked to said that it was done in a branch. I had not been to a branch, but assumed maybe my mother had as they have made the mix-up on our accounts before. I called my mother and she said she had not been to the bank or withdrawn any money recently either. So, I called customer service again, thinking this must have been a fraudulent withdrawal (my wallet was stolen a few months ago and so I was thinking that someone could have used my old driver's license). When I called back, the agent told me that these were overdraft protection charges!

I would have been okay with this if I would have overdrawn my account; however, I did not overdraw my account. I haven't in years. I asked the agent to please reverse the charges as he could clearly see I did not overdraw my account, that there are plenty of funds in there. The agent told me he would not, and that I needed to speak to the other "account owner". This is my account. No one else uses it and it is not linked for overdraft protection on anyone else's checking account besides my own, and I am the only account holder on my checking account. Therefore, this makes no sense. Yes, technically, my mother's name is still on my savings account. It is the same account I have had since I was a kid.

When I turned 18, we requested to have her name removed from the account. In order to do so, she needed to sign some form. This form was indeed signed and turned into the branch as requested. Technically, her name should not be on the account; the bank failed to process the change. I will admit, I should have made a stink about making the change sooner, but it wasn't causing any issues and I was not told that if my mother's checking account (that I can't even see or check because my name is not on it) were to become negative that I could be penalized. Anyway, I requested to speak to a supervisor. This is my hard-earned savings (that I have been working so hard to save up to pay for my wedding) and it is not right to just take money out of my account without even a warning.

The supervisor also refused and very rudely told me that by law they are allowed to take my money without my consent. Last time I checked, this was called stealing. Fees for someone else's checking account should not be taken from my savings account. How is that ethical? After angrily hanging up, I called my mother back. She advised me that she has not used this account since last December and that there should still be some (very little) money in it. I'm assuming these overdraft fees are now in place because Bank of America charged her into the negative in maintenance fees. This seems silly in itself. When I had a Chase account I no longer used, they just charged me until it went to the $0.00 amount and closed the account automatically from there.

They did not put me into the negative. I agree that my mother should have just closed the account since she no longer wanted it, but where do they have the right to charge my savings account because they wanted to charge her maintenance fees on an account she doesn't even use? It's not like it cost them any money to have the account just sit there, but now it is costing me $100. Sure, I know $100 isn't a lot, and other people have complaints about much larger sums of money, but for me it's not the money -- it's the principle. I do not see how this is right. The bank did not even attempt to contact my mother. She had no idea that the account was overdrawn. She should have either been contacted first, or I could have been at least warned before just taking my money.

My father (and mother) died. My father had a safe-deposit box at his local branch of Bank of America. We are his only living heirs (my brother and I) and gave Letters of Office, and original death certificates of both parents to the employees at BOA, we told them that we did not have a key. The bank (BOA) refused to give us back our documentation and said we would have to pay $160 to have the box's lock drilled to open the box.

A time and date was arranged to have the box opened with the remaining heirs present; but BOA will not return our phone calls and their automated service is useless. Bank of America is obviously not concerned with helping us. I believe we will need to talk to our lawyer or the States Attorney to get resolution.

My Bank of America account is in the state of Texas. I had my mother deposit $50 in the state of California. The teller advised my mother that the cash will be effective immediately. This occurred on 7/5/2011. The funds were not available until 7/6/11. This caused my account to be charged NSF fees. The bank reimbursed the fees automatically; however, they are misinforming the customers. I called the 800 customer service line. The representative stated that the state of California has a different computer system and it takes longer to post to an account. I further explained deposits have been made in the state of Arizona and funds are available immediately. According to BOA policy, it states that cash is effective on the same day.

Bank of America allowed an unlawful lien/judgment of dept to be placed on my SSI Direct Deposit Account for the amount of $54,947,47, on July 5, 2011, wall confiscating my funds in both my checking & saving acciunt which combined was under $250.00. I am sure that pursuant to FDCI laws that bank of America is fully aware that SSI accounts are exempt anf judgment proof against liens anf judgments of debts. I am a cancer survivor and urgently need the little resources I have to buy fresh fruits, vegtables, protien drinks to keep healthy.

I called Bank of America to complain about this unlaw transaction by the State of New Child Support processing Unit and they were very callous stating that it is not their concern and that I should take the matter up with new York state. As of today I am preparing an order to show cause for an TRO/Prelimniary Injunction application against New York State Child Support Processing center and bank of America for liability and negligence in allowing New York state to unlawfully confiscate my property rights pertaining to my SSI Direct Deposit accounts. In violation of 42 USC Section 659 and 5 CFR Section 581.104(j), under Titl VII of the Social Security Act.

I deposited my daughter's survivor's benefits at 2am today, Jul 6th. The check was late in the mail. Bank of America has placed a hold on the check; and my funds are not available. I spoke to a customer service agent named Melissa, who informed me that my deposit had not been processed yet, since the ATM machines are harvested at specific times. I explained to her a government check I could have taken to the check-cashing place; and it would have been cashed immediately. Also, my bill pay-center has not paid my bills which were scheduled for July 5th, and they are now charging me $70 for overdraft fee; and the money is in the account.

I was a payee for a Joseph **, and when I stepped down as his payee, there was a balance on my Bank of America account of 183.

I contacted the bank asking if I was responsible for the balance and they said "NO", because I did not use the funds personally. My name was not on bank card and I was just a payee only, assisting with him obtaining an account. I did not have access to Mr. ** account. I closed the account over a year ago.

On June 10, 2011, I tried to open an account with Boston Credit Union and all of this business with Mr. ** came up. The credit union advised me that in order to open an account with them, I needed a letter from Bank of America Recovery Systems saying I was NOT responsible for the balance of 183 and both accounts are RESOLVED. The associate, Paula, said I would receive a letter from them so that I can take it over to the credit union explaining that my old account ending in 7263 was resolved and my most recent account ending in 5434 was closed in June 2011.

I called today to check on status of paperwork, waiting to receive a letter from recovery systems. Paula, the representative, informed me that they don't send out letters and nothing was noted in computer showing I have been trying to resolve this matter now for a month! Everybody is giving me the run around and that is another reason why I stopped doing business with Bank of America.

My point is, I'm trying to get these two accounts taken care of so I can better myself financially thru a credit union. Bank of America recovery systems are doing very little to help resolve this issue. No one can really answer the questions I have for them or have any idea who is supposed to send out whatever info I need. A month it has been and I keep getting different stories from different associates! Now I asked to speak to a supervisor or manager and Paula says 48 hours. Maybe because the manager is very busy!

Someone please help me with this. I have two kids in college at U-Mass Lowell and I'm trying to get a loan this year to help with that. And on top of everything, I was laid off from my job of 10 years! Budget cuts. Please help me!

My mortgage has been under review with BOA since last year. I had a Hud Approved Counselor handling my case. BOA has not at this time approved my home modification. I have sent in hardship letters, utility bills, bank statements and etc apprximately three different times within a year and they still have not helped me. I am $11,000 plus dollars behind and BOA hasn't approved my modification yet.

Beginning of August 2007, I filed identity theft with bank of America. I called them to have my bank account shut down because I suspected fraud activity. They refused to shut it down and racked up a bunch of fee's from checks I never wrote. Instead of helping me, they put me in check systems for suspected fraud activity, the same thing I complained about.

I contacted Bank of America and was sent to multiple departments in several states. Everyone giving me the run around. Then Bank of America sends me a letter stating they investigated for forgery and I was not at fault and honored my claim for fraud in a merchants courtesy letter and the checks were fraudulent but since I reported identity theft instead of fraud the risk closer department will not remove it. They say I owed them 1,250.89, but nothing was payed out. These are racked up 35 dollar fee's from fraudulent checks they allowed to go through again and again after I asked them to shut it down. They told me it was all cleared up and they took care of it. Then went behind my back and added me in check systems. I called check systems and they have no debt information available on me. No status. Just a report submitted by Bank of America. They are the frauds.

They made two insurance payments for the same time frame. One to a company I had asked for a quote from, but had not authorized to be my insurer. My escrow account is still over $500 deficient from what it should be. They continue to make payments a month in advance, and then claimed that I need to provide them extra funds to make up the discrepancy they created with the early payment. I have an FHA loan, so they wont let me drop the insurance and taxes from the escrow account, but due to their gross mismanagement, I don't want them managing or mismanaging my funds.

I am continuously receiving rude and unprofessional voice mails on my cell phone for a bill that is not mine. This alleged bill is supposedly for my daughter, and she has at no time given out my telephone number to any collector. Bank of America has not only called me, but also my mother who lives in a different state. Ms. ** has been told repeatedly to stop calling my phone, and she refuses to obey my request. Today, I returned her call. Before I even had a chance to explain anything to her (but asked why she is calling my number), she once again started in with a rude and completely unprofessional attitude. She would not allow me to speak.

Finally, after telling her to shut up and let me speak, she hung up on me. I called her again and she said that if I continue to call her, she will press charges against me. Really? Who is the problem here? It is Ms. ** and Bank of America. I want nothing more than to sue her and her employer for continued harassment for something that is not responsibility. She thinks that I should pass this information on to my daughter. Like hell I will. Let Ms. ** and Bank of America get her telephone number the same way they got mine. People and institutions like this need to be set straight. For them to realize that the public is tired of their games, phone calls and continued harassment.

First of all, let me tell you that I hate it when someone lies to you, and this is exactly what happened. I was told by Bank of America, when this branch office opened in Sioux City, that if I cosigned on a credit card for my brother and after a year when he showed a payment history, my name would be taken off the account. Well, I was lied to. I have been asking Bank of America for the last three years to remove my name off this account and just leave my brother's name only. The first time, after a year, I was told that he needed more payments history. Well, another year went by and I was lied to again. I even contacted their online system to get this remedied, so I wait another year.

This time, you guessed right. I was given another excuse as to why my name won't be taken off. This time, they said just flat out, "No, you're the cosigner and it has to stay that way." I know this is a lie, and now, this is the fourth year, and I'm not getting hold of them again this year. I will just file a complaint. I don't like being lied to in order to get an account opened. I don't even use their card, only my brother does and he has shown that he can and does make the payments on his own with no help from me. I am also going to file a complaint with the Better Business Bureau as well.

I don't like being lied to and told what I'm going to do just so they can get people to open account. I will find a way to email this to the CEO and anyone else in their Board of Directors. All I want is my name taken off the account, like I was told. When this card was issued, they issued one in my name and one in my brother's name. When I got them in the mail, mine got cut to shreds because I knew I had no intentions of using it. This was only to do my brother a favor while he built his credit up.

We have financed a loan with Bank of America for two years. The loan officer or agent that we worked with was inept from lack of communication which affected our closing to secure our loan percentage and requesting to buy a point that didn't happen. Our statements have been in Spanish; a real problem came during tax time and we made numerous requests to change our statement of accounts to English. They keep losing our proof of insurance. The payment continually changes. We called and got an explanation, and in the next few months it changes again. I made numerous requests to have my wife on the loan and this hasn't happened. I would like to refinance, but that will cost over $3000 to do so. People shouldn't have to continue to put up with and pay for incompetence.

I deposited business checks into a personal bank account. The bank states that it's fraud, and it is closing my account due to fraud activities. I would deposit these checks and withdraw them, simply because there wasn't enough signers on the business checking account to sign checks. The bank now wants a notarized letter from someone who has nothing to do with my business. This person for legal reasons won't write such a letter.

I have been given until May 16 to come up with such a letter stating that someone other than my self knew how/where I was depositing these checks. The bank only told me that they will send me a cashier's check for any money left in the account, once they decided to close it past May 16. In the meantime, they are going to report me to ChexSystems for supposedly committing bank fraud.

Past that point, I am not sure what will happen. There has only been approximately $2,00-2,500 in checks deposited and then funds withdrawn. Does anyone know what I can expect to happen? I just didn't know that I shouldn't have been depositing "business checks" into my own personal bank account. Thank you.

In January 2011, I recently changed my checking account from MyAccess to eBanking to avoid monthly maintenance fees if my checking account were to go below a certain dollar amount. There is no minimum balance for eBanking. The only caveat is that you will only be charged with a fee if the account ever deals with a teller.

I was frustrated to find out that I was charged for no reason and other customers should be aware that they may be charge without reason too because of their mistake!

Customers with eBanking can be charged with a monthly maintenance fee of $8.95 without knowing. Fortunately enough for me, I proactively monitor my checking account occasionally to check for any errors. But the real questions remains: how many others have been penalized $8.95 without any reason? How much money does BoA make from this lucrative scheme?

My brother was a long term BOA customer when he died in January. I received a notice from BOA that they needed to repay the Social Security department for an overpayment to his account, which I had closed following his death. When I tried to pay at my local branch, I asked for a notarized receipt of payment.

Since I'm not a BOA account holder, their rules would not allow them to notarize a receipt to me. When I called their reclamation department to express that they should be ashamed of this kind of treatment, I was told that "they have rules". This is an indication of the little regard they have for their customers once they no longer can get any fees from them.

However, in late December of 2010, I received my monthly online statement, showing that I was charged a "monthly fee" of $14!

Since my lowest balance for that month had been over $1,450, I inquired into why I was charged this $14 fee. It turns out that, without giving me prior notice, Bank of America had changed the terms of my account. Suddenly, I was expected to maintain a minimum monthly fee of $1,500, in order to avoid this new $14 fee! Since this was obviously an attempt by Bank of America to make up for the money they have lost from fees they can no longer charge, under the recent Federal financial reform laws, I decided I would close out my account with Bank of America, before the end of January, 2011.

After opening a new checking account with University Federal Credit Union at Austin, Texas, I closed my account with Bank of America on January 26, 2011. However, Bank of America continues to send me daily email alerts, telling me that I have a balance of $0 in my "account", an account which has been non-existent for nearly 3 weeks now! I have repeatedly contacted Bank of America by email, telling them to stop sending me these daily email alerts, which have become a sort of daily corporate spamming from Bank of America.

After one of my earliest attempts to end these alerts, I received an email from Bank of America, stating that I had to log in to my Bank of America Online Banking account, in order to end the daily alert emails, something that I had already done. When I attempted to log in to my former account on January 31, however, the online banking system responded that there was no account connected to my username, so I was unable to log in. Within the next few days, I tried calling Bank of America's 800 phone number, but there was no option, in their automated answering system, for what I needed to do.

When I chose an option relating to checking and savings accounts, I was asked for the last 4 digits of my Social Security number. Upon entering the 4 digits, I was told there was no account associated with those digits, making it impossible for me to speak with a customer service agent. I tried dialing "0", but that didn't work either. After several other attempts at a work-around to their Catch-22 automated answering system, I was finally told that a customer service representative would respond to my call, in the order in which it was received.

I waited over 15 minutes on the phone, but I was never connected to customer service, so I finally hung up. I had spent over 20 minutes of my time going through this ordeal. I am still receiving daily email alerts from Bank of America, and every day I reply with the same message: I'm no longer a Bank of America customer, so stop sending me these email alerts. Every time I send this reply, I receive the same type of "form letter" from Bank of America representatives, such as Ray **, Martin **, Abram ** and Neil ** , among others. They all told me that I have to do the very same things I have already done, and to no avail before my request can be granted.

These Bank of America people are a bunch of mindless, repetitive automatons, who have kept their jobs only because the American taxpayers bailed their butts out, via TARP, in the fall of 2008. They seem unable to understand that when a former customer closes an account, it permanently severs all ties to their bank. That customer should no longer be receiving daily email alerts stating that there are $0 left in a non-existent checking account. I've never encountered such an irrational, illogical, half-witted group of imbeciles, as those who work for Bank of America, not to mention the asinine corporate mindset of their employer!

I strongly urge anyone who is having issues with Bank of America to close his or her account(s) there, and move to a more reasonable, and more principled, credit union or community bank. It's about time that the "giant mega-monster banks" learn that the American public is sick and tired of their preposterous practices!

DirecTV charged me $791.00 of which I didn't owe, and my bank allowed them to charge this amount without me authorizing this charge, and they don't give me an explanation about it.

They told me to wait until it gets processed and then file a complaint to see what will happen. This is not the first time they did it in another time before and they just told me that they couldn't do nothing. They still didn't give me my money. When I make an automatic payment, they asked for the exact amount so they could only charge the same amount all the time, but I didn't authorize to do a different amount especially if they charge seven times the amount they should charge.

We are behind for my house rent and payments because this money was supposed to be used to catch up with them. These are difficult times and I have lost a lot because they charged me penalties and late fee without them giving me anything. The bank should be an institution that you can trust with your money and finance yet they don't care to work with me to keep me as their customer. What can I do to get my money?

Bank of America agents have been calling my home phone number for at least 6 months and looking for a Sandra **. I am not related to nor do I know of anyone by this name. Though, I have told several agents, and each has told me that they would make a note in their records that this is the wrong number. But, I still receive harassing phone calls at all hours of the day and night from Bank of America looking for this individual. These agents are unable to provide me with a number or person to contact to remove my number from their call list. I have registered this number on the National Do-Not-Call list, however, they still call my home.

I became a victim of fraud by receiving a check from UPS for $1200. This check was supposed to be for a mystery shopper, I had no idea the check was bad. I deposited the check and 2 days later, my accounts were closed for fraud. I never attempted to try and get the money. I wanted to wait and see if it was legitimate. I contacted the bank and was told to talk to someone in risk closure, a representative from risk closure whom refused to give me her name told me to take any evidence to the bank showing that I was not responsible.

I was already embarrassed for having to do this, so I took my proof to the fountain plaza branch in Buffalo. The bank representative made me feel 2 inches shorter and dumber for depositing the check, and told me what you want me to do about this. I explained to her what I was told to do on the phone. The representative contacted risk closure, then suddenly no one knew why I came to the branch.

I was so hurt that I cried. The representative made this statement before I left the bank, your account always has problems anyway no wonder they closed it. I had been with this bank for 3 years. This is the appreciation I get for being a customer after being scammed.

I opened an account at Bank of America on 12/29/2008 because I was hoping to transfer from Chase. I was looking to buy a home, and I decided I was going to use Bank of America. By 09/2009, I decided I was going to stick with Chase. I went to close the Bank of America account on 9/21/2009. When I went to close it, I was told that I owed them $10.95 because I had already transferred the balance back to my Chase account. The $10.95 fee was for the credit monitoring that I had on the account. I paid the fee so that the account was zero balance, and then I told the teller I wanted the account closed. She went for another lady who proceeded to close the account. I should note that I've never closed a bank account before, so when she told me that the account was closed and gave me my receipts for the payment I made, I went on my merry way.

On 03/02/2010, I received a letter from ERS Solutions Inc., stating that I owed Bank of America the amount of $128.26. I called the bank to inquire what the charges were, and I was told that they were for credit monitoring. I informed them that the account had been closed since 09/21/2009, and I asked how a closed account could be charged for credit monitoring. The representative told me that the account was not closed properly, and that they were at fault. After giving all the details, I was told that it would be taken care of. I had not heard anything from Bank of America after I closed the account to make me suspicious of the fact the account was still open.

After speaking to the representative in 03/2010, I had not heard or received anything further. Fast forward to 01/2011, I receive a letter from NCO Financial System about the $128.26. I again explained the situation to the credit collector, and contacted Bank of America. I got a runaround about how old the issue was, and if I had resolved it sooner, they would be able to give me a credit. They said they no longer have access to the information because it's with a collection agency. I first called customer service, who gave me the number to recovery services, who couldn't help and told me to call customer service. The recovery service department connected me to customer solutions that sent me back to recovery. They told me that if I had closed the account, I should have received a statement saying it was closed, which I never got.

Since I never said that when I went to the bank to close it, I guess I have no proof I actually closed it. Other than the fact that I am not dumb and I am cheap, and would never leave an account for it to be charged for no reason (especially when I know I cleared the account). Clearly they are trying to make it seem as if I am at fault. I've spoken to representatives who told me they were at fault, and now they try to turn the table saying I should have known that I had to receive a statement saying the account was closed. I have $128.26 that is in collection. I refuse to pay it because I spend my time and money monitoring my accounts to ensure that I am not being scammed by individuals, and it's the institutions that you believe to be trustworthy end up cheating you.

I don't pay life lock, and I check my credit report. I am trying to keep my name clear and myself debt free, and Bank of America's billionaires try to cheat me out of my $128.26. They will get that money when I die. They can dig my body out of the ground, and sell my body parts in order to get that money, but as long as I am alive, they will not get that money. I've never owed a single person, or company for anything. I pay all my bills before they are due, but I won't pay a bill I know I don't owe. I am not made of money Bank of America; if you heard otherwise, then bully for you!

He called to rectify this situation and was told he could not pay the account off because it had been closed (2 years prior). The whole time they have been deducting the payments out of my account. I called my bank to get this stopped.

Every month they debit my account, and my bank has to credit the money back in. When I called BOA to get the debit stopped (on an account they said could not be paid), I was referred to five different departments. The first two seemed to be helpful; the third was extremely rude; and the last said my name was not on the account, so I could have nothing stopped (even though it is my account that is being raided every month).

What I do not understand is how, if a payment was being made on the account every month, the card was charged off, and then they would not accept payment in full from my son and still are trying to debit my account for a card that they say cannot be paid? The account was written off two years ago, and no one was contacted.

On November 2, 2010, I made a trip to the emergency room with a kidney stone. When I left, I paid my co-pay and then went to Target to get my pain medication prescription filled. As soon as I left, I went home and laid on the couch for 2 days. During those two days, someone began using my debit card. On November 5, I received a call from BoA informing me of suspected fraudulent activity on my account. I immediately pulled up my account online to look at what they suspected to be fraud. They were right, someone used my debit card totaling about $300 in transactions. I filed the claim and received a temporary credit on my account while they investigated the transactions.

A couple of weeks later, I received letters in the mail informing me that my claims were denied. I called customer service, upset, and asked why they were declined. I was told that the fraudulent transactions were within my normal spending habits (within the same geographical area, at the same store chains, and for about the same amounts), therefore they determined that "no error has occurred in this instance". I repeated these actions 3 times and always received the same response.

I faxed them copies of my medical chart from the day I was in the hospital that showed what medication I was prescribed. I was prescribed vicodin which is considered a narcotic. If I had left my house and drove anywhere, I could have been arrested for a DUI. I explained this to them but they didn't even care. I have already closed my savings account and they are going to take the entire amount back out of my checking account tomorrow. Then I will be in to close my checking account as well. BoA is definitely not a company you can trust in the event of fraud.

Anyone who called in their November 2010 payment to BOA, as I did, should check their December billing. I was charged a late fee (I have never been late), and I have a confirmation number of the payment. When I called them to dispute, they informed me the computer had credited payment to November 2011, thus the late fee. They said they would credit the late fee back. I then get a letter from BOA, stating my credit limit has been reduced substantially, due to a late payment! I called again, and they say it was reduced because of bad credit.

I have excellent credit, and pay everything on time if not early. I do not use BOA for anything, because they are the slime of the earth. Your readers should check their statements, as I am sure this was probably done to all customers. I cancelled BOA cards back when the interest rates were increased, and I can't even get them to cancel my card!

I am writing this letter to serve as a complaint towards Bank of America's Auto Loan Department. In 07/08, I refinanced my automobile with Bank of America with a 60-month loan paying about $487 per month. I have never been late for the past two years until 08/10. I was laid off in 2008 from a reputable financial firm and then again from a well known city agency in 2010. I kept in contact with the bank from Oct-Dec 2010 as I did not want to lose the vehicle or destroy my payment history with the bank.

My most recent encounter was with a representative on 12/7/10 and he stated that if I can make a payment on 12/13/10, it will delay my vehicle going into full repossession status. I agreed to make a payment to avoid that process and the representative stated that he would note my account to put the repossession on hold. On 12/9/10, the car was repossessed which completely disregarded the agreement. Information wasn't available in regards to the car until 12/13/10 which caused $205 in storage fees and $380 repo fee. I regained access to the vehicle on 12/15/10 paying the full amount as agreed in addition to the storage fee. The entire process of going into a branch to make the payment took over an hour. It seemed as if none of the bankers knew the proper procedure in regards to my issue.

The phone reps were very rude at times and one stated to me, "If you cannot make the payment, it's obvious you can't afford the car and it should be taken regardless of your payment history with us." It is not the place of a representative to tell me what I can and cannot afford, that is completely unorthodox and unprofessional. As an unsatisfied customer, I believed that my complaint should be brought to the attention of the BBB and Consumer Affairs as better options should have been available.

This lack of consideration and unprofessionalism has hindered my credit dramatically and decreased my changes of gaining employment. Thanks in advance for your time and consideration in regards to this matter.

In August 2009, Bank of America said I was one month behind on my mortgage. One representative stated I had not paid July's mortgage. I called Sovereign where my checking account is and received the check number and went back several months with check numbers for my mortgage. When I called Bank of America back with the check number for July's mortgage payment, they said it was June's that I was missing. I gave that number to the representative and they transferred me to another department. That department told me it was applied to my escrow. I had a partial payment balance so I told the representative to apply it to my past due amount and she said okay.

I looked online at my checking account and it states Bank of America took out over $3,000 of which I did not have so obviously the bank did not pay it and caused checks to bounce. I called Bank of America and they said I had authorized it. I explained what I authorized and they were arguing with me. So Sovereign stopped the transaction from happening. Two days later, the same thing, Bank of America tried to take another $3,000 out of my account. On September 16, 2009, I applied for a mortgage modification. I have called numerous times and received, "We need some more time or you did not submit this paper," just one story after another.

To this day, I still have not heard on a mortgage modification. Now I am still behind one month. Then I was laid off so that put me another month behind. So my August 2010 statement said I was behind $2713. I opened my September statement and it says $5517.08. I called the bank and they said they took my August payment and paid my late charges that were due to their error that was never corrected, and the rest they took and applied to an appraisal fee of $350 that I did not authorize, and they said they had someone drive by my house 10 times to that point, and it was 15. Every time someone came by.

I am at a total loss as to what to do. I recently came across an article that there are others in similar situations as I am in. Please, can you help me or direct me to the proper place where I can get help!

I was charged $10 for having a simple cashiers check drawn on my account. All email complaints were then handled outside of the United States by individuals who do not understand or write English with proper American syntax. Their so called "customer service" (I suspect India) is really a regurgitation of canned expressions.

Bank of America offers a "service" to its checking customers. This service involves opening a savings account for you and automatically transferring funds from your checking to your savings every month, in order to help you build your savings. However, they do not check whether or not their automatic transfer of funds will place your checking account below the minimum daily balance.

Consequently, if the amount they are transferring is high enough or if your checking balance is low enough, their transfer will trigger the minimum daily balance fee on your account. They encourage customers to sign up for this "service" to ensure that they will be able to periodically catch their customers below the minimum daily balance threshold, and thus generate revenue from the fees they charge when they adjust your accounts to trigger the fee.

I contacted BoA yesterday trying to track down a missing check. I offered to make the payment over the phone and stop payment on the missing check. I was told that I had to pay a late fee and a processing fee to pay over the phone. If I stopped payment on the check and it appeared, I would have to pay a bounced check fee also.

I opted to not pay over the phone because I deemed the fees excessive. Today I received a call from their Debt Department. I made a payment over the phone and was given a confirmation for the payment. Since that payment, I have received 4 other calls. According to one gentleman, the payment will not post for 10 business days because of the way that it was entered. I was told that I would receive these calls until the payment posted. This is sheer harassment. Please help me.

I received a phone call from ****, from a Samantha ****, an Indian lady saying that I was elected to receive $30,000 in Federal Government Grant. She had all my information and that I just needed to confirm it. She asks for my bank account number and that I will receive my money the next day. I just want to remind you that that was a Friday, she called me and that it will be in my account, Saturday morning, to give her call as soon as it comes in. I asked her what her address is and she gave me NY State Department of Grant in ****. Then I received a call the next morning from ****, from a guy who sounds Indian as well and said that he is from the banking department and that he had trouble transferring the money and that the bank said it exceeded the amount. I called my bank and I asked them about it but they said no such thing.

So the guy proceeded calling me back and said that Bank of America would be the one transferring the money and a representative will be contacting me. Then the guy called back and said that he could only put in $25,000 in my account and that the other $5,000 he will send via Western Union. In order for me to receive the $5,000, I will have to send out $300 for a charity in India. That when I asked him was this a scam and he proceeded on saying no and that he will send via Western Union $5,300 and that the $300 was refundable. He did all the steps with me on the phone and as soon as I gave him the MTCN Number that Bank of America was going to call in 1 minute, as so that happened.

Now, when Bank of America called me from ****, I spoke to a female that is also an Indian saying that she will give me a call back in 30-45 minutes, letting me know the status about the money transfer. So I haven't heard from her in like almost 1 hour and so I gave the guy back the call and asking him what's going on. I was getting angry by then and I felt like I had been scammed. So he said that he was going to give the bank a call and to call me shortly, the bank did and stated that the money would be in there on December 20, 2010 and that Bank of America was going to give me a call. I still have the information of the Western Union I sent. The receiver's name is Murali **** in India. I called the numbers and now they are going straight to voicemail.

I received a phone call from ** from a Samantha **, an Indian lady saying that I was elected to receive $30,000 in federal government grant. She had all my information and that I just needed to confirm it. She asked for my bank account number and that I will receive my money the next day. Remind you this was a Friday she called me and that it will be in my account Saturday morning, to give her call as soon as it comes in.

I asked her what's her address and she gave me NY State Department of Grant, Hampton Plaza 38-40 State St. Albany, NY 12207. Then I received a call next morning from **, a guy sounding Indian as well said that he's from the banking department and that he had trouble transferring the money that the bank said exceed the amount. I called my bank and I asked them about it, they said no such thing. So the guy proceed calling me back and said that Bank of America would be the one transferring the money and a representative will be contacting me. Then the guy called back and said I could only put in $25,000 in your account and that the other $5,000 I will Western Union you. In order for me to receive the $5,000 I will have to send out $300 for a charity in India. When I asked him was this a scam and he proceeded on saying no and that he will Western Union $5,300; that the $300 was refundable.

He did all the steps with me on the phone and soon as I gave him the MTCN # that Bank of America was going to call in one minute. As so that happened. Now when Bank of America called me from **, I spoke to a female who's Indian saying that she will give me a call back in 30-45 minutes and let me know the status about the money transfer. So I haven't heard from her in like almost one hour and so I gave the guy back the call and asked him what's going on, I'm getting angry and now I feel like I am been scammed. So he said he's going to give the bank a call to call me and shortly the bank did and stated that the money would be in there December 20, 2010 and that Bank of America was going to give me a call.

I still have the information of the Western Union I sent. The receiver's name was Murali ** in India.

I deposited a money order drawn in U.S. funds from a U.S. bank. The teller insisted on placing a hold on it as an "international money order" because the original funds used to buy the money order from the U.S. bank in U.S. currency were Canadian from a Canadian bank. The fact that it was a money order in U.S. funds, drawn on a U.S. bank, had no bearing on his decision to place a hold on the money order.

** - This is the case number of our last complaint regarding this case. We have had ongoing communication with Bank of America to refinance our loan - after many, many mistakes and being given the run around by Bank of America. We were told in September that they had completed the paperwork and everything was all set after the calculating mistake they acknowledged, causing our loan for refinance to be reassigned and redone.

We signed and returned all the papers in September [loan #**]. We were told that by Nov. of 2010, the case would be closed and our credit score would be adjusted to show their error and our billing would not show any past due amount. In December I continued to receive another inaccurate bill. When I contacted Kimberly ** ext. ** [our neg], I got a message saying she had been reassigned to a new department. After about 5 more calls, I was told our loan had not been finalized due to another calculating error by Bank of America and it would be sent out today, 12-15-10, to a new negotiator. I was so upset.

This has been going on for 18 months and our credit is destroyed. And I cannot get to the end of it as they keep promising. Every department has a different story. Kimberly ** never even contacted us with any of this information. And for that matter, neither did Bank of America. If I had not called, no one would have contacted us. When I asked why we were not contacted, they could not offer an answer. When business is being handled in this manner, it makes me feel as if something underhanded is going on. Please help us resolve this ongoing nightmare.

Per the bank and the appraiser's instructions, we paid toward reducing the principal of our house in order to get rid of the mortgage insurance. However, Bank of America is still charging the insurance premiums monthly.

I have an account with them and also a friend of mine. He got two jobs and asked me to make him a deposit. I also have a job and get off by 5:00pm so I went to the drive-thru since they close inside by 4:00pm. I was ready with the deposit of $2,500.00 but the clerk told me that I can only do the deposit inside so I had to come back the next day.

It's so inconvenient because they open at 9:00am and close at 5:00pm. Many people, besides the unemployment people, get off their jobs by 5:00pm, if not later. I go in at 9:00am. This bank will have less people overdrawn if they were open when customers can go and make deposits.

My mother got a quote from Bank of America to pay $667.61 to stop foreclosure. She has made payments of $700 since then. Now they serve foreclosure papers when she is in the hospital with 3 strokes and needs triple bypass surgery.

I have been calling for almost a month because the case was under review under the Residential Relief Foundation. They served foreclosure papers on her tenant, not the main property. Since she became sick, I have a letter of authorization to talk about her account but no one at Bank of America wants to help. What else can I do? She complied and they won't help and now she is in foreclosure.

The nightmare began last Friday when I happen to check my bank statement. To my horror, my bank account was practically cleaned out. Panicked, I reviewed everything and did not see any unusual charges.

To make a long, panicky story short, it took the weekend of reviewing every item in my statement to see that the Bank of America mortgage payment that is automatically drawn from my account was almost double it's usual amount. I was floored. I immediately called BOA, but it was Sunday and the CSR Service department was unavailable. However, the woman in the modification dept advised that she could not explain the change in my payment and it was a clear error. The following day, I spent two hours on the phone. My first call was a series of blame games--on me!

BOA claimed I failed to keep them abreast of my flood insurance and thus they were "forced" to purchase a policy on my behalf and charge me $8000.. I informed CSR Rep Andrea that upon notification of this "purchase" months earlier, I faxed all the necessary docs to demonstrate that my flood insurance was still current, had never lapsed, and was renewed (same policy no, coverage, company). Then she explained I must not have alerted BOA and requested that they not modify my payments to cover this insurance purchase. Again, I alerted Andrea to the fact that I called hours after faxing the docs and was informed all was corrected and a credit would be applied. I also informed her that BOA sent me a letter confirming the same. Andrea seemed over her head so her supervisor, David, took over, who also claimed I caused this issue. After 75 minutes, David "kindly" acknowledged the inconvenience that may have occurred and suggested I just pay a nominal amount on the second half of my mortgage payment (I pay bi-monthly).

*** no! He then advised that for me to obtain a refund, I would need to speak to the escrow dept. He could not transfer me and I needed to call back. That's nice and convenient. So I call back. Escrow says they need to confirm that the payment cleared before any money can be refunded. I had to send bank records to prove the money was drained from my account. Then they actually said that they cannot automatically transfer back the funds. It would take 3-4 days! Again, *** no. So they agreed to FedEx a check. In the meantime, I went over my account and found $200 worth of discrepancies so a second check had to be issued.

Did they apologize for the stress, panic and migraine they caused? Of course not. And if I had not reviewed everything they would have pulled this double amount again! Plus continued with the unexplained charges. On top of this, I have had a loan modification/refinance request pending sine September and they expect me to call every 7 days to see if they have acted on it yet. There is no rhyme or reason to how they conduct business. There must be a way to call attention to this!

They also charge an $8.00 fee per month to do automatic payment from my account. I would not have to pay this fee if I were a BOA account holder but BOA does not have any branches in the New Orleans area thus I cannot open such an account. Again, they trap you into fees.

Unlawful practices, lying, not processing paperwork, not processing in timely manner, evading our calls, not taking over bills on property, purchasing insurance for us when we thought or property should be in their name, we are getting bills still, tax statements, we have no access to property, was told our second mortgage would be paid off with this deed in lieu of foreclosure if it originated from Countrywide and our loan did.

Now, we were told by a representative that customers were told that but it's not happening. And the collection company is still calling us on the second mortgage and nothing has happened with the house. We were promised a moving rebate check, no check received. The house is vacant and we are being ** by Bank of America! We could of had it sold on our by now. Please help! They are so in the wrong!

Their business practices are highly questionable. Their fees are too high - $35.00 per transaction and they are unrelenting regarding accommodating their customers. I have inquired about overdraft protection in the past and they gave me a credit card. I wanted to close down my account in October 2010, and the manager of the bank refused to close down my account at that time.

Today, I submitted to the bank manager a fraudulent payment out of my account and once again I requested to shut down my account. The bank manager informed me that he did not know whether or not that Bank of America could handle my claim if I did not have an active account with them.

My name is Derrick ** and I reside in Corona, California. It is here that I live with my 16 year old daughter and my loving wife of 19 years. I am 39 years of age and a full time employee of 8 years at a company in Irvine where we manufacture precision investment tooling for primarily Aerospace and Medical components. My job title is: Tooling Engineer. Sixteen years ago when my daughter was born, my wife and I made a decision that it would be better for her to stay home and raise our daughter and I would be the one who brought home the money. We made many sacrifices throughout the years to make that happen. It was and still is a very good investment. Because of our decision, my daughter is now a spiritual, responsible straight "A" student with strong morals & focused goals.

As parents who continue to survive so many odds against us, we could not be more proud of those choices that we have made. Years ago I remember standing on my balcony at an apartment we rented in Huntington Harbor and with tears in my eyes telling myself that one day I'm going to buy a home for my family. This will be a home we can call our own, a piece of the American dream. I come from a broken family and we constantly moved from place to place and I never had that security that so many people had growing up. I was dedicated to not allowing that to happen to my family. For several years we rented a small beach cottage home in Huntington beach just a mile from downtown. At the time, my place of employment was only two miles away. This house was just next door to my In-laws whom I adored. We were very fortunate to have lived right next door to family for so many years.

It was there my wife's mother Susie passed away due to complications from cancer. Not too long after Susan passed, we were served a notice that the places were being sold and we had 90 days to move out. This news came very hard to both us and Timothy, Susan's husband. It was at this time in our lives that we decided to purchase a home. A dear friend who at the time was a real estate agent quickly set the gears in motion. As with most home buyers we looked at a few places in surrounding areas but nothing caught our eye price wise. Knowing that time was of the essence, heavy prayers set into place. Our real estate agent found a place in Corona.

We got into the car and headed east. With only MLS pictures in our head we pulled up to the property and instantly fell in love. We were proud first time home owners within only a couple weeks of being served the papers at the place in Huntington Beach. It was meant to happen. The power of prayer! We made a great sacrifice which changed our lives in many ways. Work wasn't 5 minutes away anymore. My daughters school wasn't just down the block. Timothy was 26 miles away, not just next door. It was a tough transition but for the better. Through hard work and dedication I was able to make that dream come true for my family.

We moved in on July 10, 2004. In the years we have lived here we have spent tens of thousands of dollars on home improvements. All of these improvements were paid for with my earnings. I believe it is the cutest house on in the neighborhood. Like so many people did when the equity in their home was substantial they took out seconds and bought cars and boats then when the housing market turned they were stuck with huge debt forcing them into foreclosure.

In the years living here I have never re-financed even when the market was high. We took on a mortgage we could afford based on my income at the time. Now, the bad news. Reminder: All of my testimony from this point on is truthful backed by receipts, documents, dates, times and names of people my wife and I have spoken with. On May 2009, work slowed down and I fell behind on my mortgage payment by 2 months. Mind you, from July of 2004 thru February of 2009 we never made one mortgage payment late. Being behind, we immediately called Bank of America (BOFA) and explained to them our situation. We were told, "We had to be 3 months behind in order to qualify for the Making Home Affordable Program (HAMP)".

After we had lapsed into 3 months delinquency I was asked by BOFA to fax them a long list of documents like 3 months bank statements, 6 months payroll, tax returns, expense breakdown, letter of hardship and so on. Later we were told by BOFA that "We qualified for HAMP" and that our file is currently under review. Note: We were never mailed a HAMP Packet. Two months after faxing BOFA all the documents they requested, we never heard back from them. At this time I was 5 months delinquent. I was receiving foreclosure notices in the mail and one even posted on my door, documents from Recon Trust were showing up in my mailbox and strangers were showing up taking pictures of my home.

Perhaps BOFA had their fax machines hooked directly to the shredder. My wife and I were sick from stress and with BOFA not at all working with us, we had no choice but to hire a company to help us out of our situation. On July 2009, I did some research and decided to hire Pacific Loan Solutions (PLS) owned and operated by Jeffrey Torrez and Wassam (Sam) Ismail out of Riverside. The attorney on staff was Zachary Gonzalez LLC.

I went to their location for a free consultation and they said they specialized in loan modifications, I qualified based on my criteria and they said they would be able to help me with a loan modification. I paid the company $5407.00 to do the work (1.5% of the total amount of the loan to be modified). Strange I thought but desperate. Over the course of several weeks I emailed and faxed them all the information they requested. Months and months and Trustee sale date postponement after another went by and nothing was happening. I was getting further and further behind on payments. BOFA would not even accept payments at this time until I came up with the full arrears.

Months later after hiring PLS, I got a one page form letter from BOFA stating "Modifications are not an option", that our loan was non modifiable due to the fact that the investor (Wells Fargo) will not allow it. Did Pacific Loan Solutions know this and not tell me to scam me out of my money? The answer is yes. The company had an "A" rating with the BBB when I hired them and now an "F" rating. PLS shut their doors and Jeffrey, Sam and Zachary disappeared. Once again we were at a complete loss with seemingly nowhere to turn. On July 2010, after several attempts trying to explain to BOFA our situation they still were falling back on the excuse that Wells Fargo does not allow modifications, I was forced to hire another attorney. Through the state bar website we found a reputable firm, Keefe Roberts & Associates. After a consultation, Keefe was convinced that BOFA was up to something strange. We paid Keefe Roberts & Associates $2000.00, in which every dime they earned only to have BOFA send a letter to them stating that my loan was non modifiable and it wasn't an option because the investor Wells Fargo doesn't allow modifications.

Keefe was even confused, and we started talking about different options like a lawsuit against BOFA (not an option as it would cost me $10,000.00 or more), restraining order against the Trustee sale ($2500.00), Chapter 13 ($4000.00) or Short sale, ($1500.00) or of course walk away. Don't get me wrong, Keefe is a good fair attorney but why is BOFA making me go through this nightmare? You would think BOFA would like to start getting payments from me? My wife and I decided that we want to save our home and a chapter 13 seemed to be the best way out of this mess so we took that course. I put Keefe on the shelf and went after Zachary in hopes to get my money back so I could pay Keefe for the chapter 13 fees. On August 2010, a friend of mine and I found where Zachary Gonzalez (former PLS attorney) was practicing and confronted him in a public arena demanding my money back.

He refused to refund me stating he simply did not have it, and an argument ensued. Police were even called. Finally Zachary offered to provide me the services for a Chapter 13 and court representation free of charge. I scheduled an appointment with him and the contract was agreed upon. The contract stated that Zachary would perform the services required for a chapter 13 free of charge. I contacted Springboard and paid the $45.00 fee to complete the online certificate course for pre-petition counseling for chapter 13. I wrote him a check for the amount of $274.00 for a chapter 13 court filing fee. Relieved, I waited patiently to hear back from him. Well that's just great now, I have to call Keefe and tell him, "you know Zachary, that guy who stole fifty four hundred bucks from me, well now he's going to represent us in court".

After notifying Keefe about what had happened I had a sense of relief that Zachary would make good on his promise and maybe things were starting to look up for us. Rightfully so Keefe probably thought we were nuts, however I had no choice and I did not have $4000.00 to pay Keefe for a chapter 13. A couple of weeks went by and I had not heard back from Zachary so I decided to leave work early and go down to his office in Riverside. The secretary of the building told me she had not seen or heard from him for a couple of weeks and a lot of people were coming in asking the same question. Weak in the knees and a stomach ache, I went home and later on found out he was disbarred. Evil forces are working against us once again. Soon after, the court dismissed the case because of non-activity.

Thanks Zachary, and thanks BOFA! Now without an attorney to represent me in court and the lack of knowledge and paperwork it took to represent myself in court and the fact that 95% of all chapter 13 cases that are self represented are denied by the courts, I turned back to Keefe Roberts. I wrote another check to Keefe for the amount of $2000.00 in which he continued to try and get BOFA to modify our loan to no avail. At this time Keefe wanted to continue on with a chapter 13, but without BOFA. Working with us by modifying my loan and adding my arrears to the back of the loan, it seems too heavy of a burden for me. Keep in mind by this time I am $9726.00 plus numerous days off work trying to get BOFA to modify my loan when all they needed to do was help me out with my mortgage back in May of 2009.

$9726.00 is 6 months of my mortgage payments to BOFA! Why didn't BOFA tell me that modifications were not an option up front. Instead they lead me on for months and months allowing me to believe something was happening when actually nothing was happening. Had I known up front that modifications on my loan were not an option, which I don't believe this as being true, then I could have taken a different course which would have landed me in a much better situation now.

A simple one page form letter from BOFA stating modifications are not an option is simply not enough information for me or my attorney for that matter. I thought that BOFA by law was supposed to work with the buyer by modifying their loan if necessary, provided they have income. According to BOFA you don't even need to have an income for them to work with you. Sure my hours got cut for a while but I never lost my job! My wife and I even spoke with a HUD counselor who said she would take our information and give it to BOFA and that she would get back with us. We never heard from that lady again. Of course this letter is an abridged version and I left out many small details, but in a nutshell you get the idea.

Over the course of the last 18 months of hell starting back in February 2009, I have learned about a lot of things that most people should never have to know in their lifetime. I understand that it was I who fell behind on my mortgage payments back in February of last year, but I never thought it would come to this. Furthermore I thought that's what the HAMP program was all about, Making Home Affordable Program?

I am a hard working middle class American who does not rely on free government handouts to get from day to day like some people do. It was my understanding the Federal Government bailed out BOFA and set up laws forcing BOFA to use the money to help folks like myself. I was never offered that opportunity. All I ever wanted was to get back on track and current on my mortgage and to build up that sense of security I had before this nightmare occurred. It seems to me BOFA wants my home because they have no desire to work with me and start receiving payments. I will not give my home to BOFA without a fight. Once again, here we sit with a December 2nd trustee sale date looming over us and again at a complete loss with seemingly nowhere to turn. Do I pay more of my hard-earned money to high priced attorneys or would Bank of America rather have it

In Feb 2010, I was contacted by my property manager to contact my insurance because we own 2 properties in El Paso Texas 413, 416. One property is owned by Wells Fargo and one by Bank of America. When I called my insurance company, they stated 413 was not insured for the past 3 yrs to my dismay. I questioned this was impossible; we have escrow accounts on both to pay taxes and insurance. I called WF; they said they have been paying. I then called BofA ;they pretty much kept hanging up and could not give me a straight answer. We finally found out WF had been paying for BofA house and BofA never paid.

When questioned, their response was we did pay, but checks were returned? How? If I never received a refund overage from my account in 3 yrs if anything it had gone up. In order for me to get any help, I stopped paying for both banks. Well, holly molly, what a mess this has become. I hired an attorney and he filed with the Texas Insurance Commissioner a complaint. Wells Fargo admitted finally, paid my insurance and opened a claim for roof repair; it was a $6700.00 damage.

Bank of America did nothing; they never could give me an answer I explained to them Wells Fargo paid their insurance and they still had the nerve to charge me $3500.00 to insure the house because the insurance cancelled my policies.

Meanwhile in July, Bank of America offered a modification. I complied with them and in August, I received a package to respond by 14 of August and send them $1750 with paperwork. When I thought everything was okay, I paid $7100, paid insurance thinking everything was fine. In Sept, I sent my October mod payment another $1750.00 on 9/12, only to find out Bank of America sold the house 9-7-10.

They sent my tenant a letter to vacate from the attorneys hired by BofA. It was then I found out my house had been sold.I immediately called BofA. Their response was, "oh yes, we do not know how this happened", and transferred my call from place to place.

I never could get a response. In October, I filed with Commissioner of Texas and have a case number. I also filed with currency of controlling banks with a case number also. Strangely enough, last week my attorney called and said, "Are you sitting or standing?" He told me bank would like to return the house to us. What a ******* joke. My property manager went to check the house for damages, only to find out tenant is still there. Getting someone to make a class action suit is beyond belief with attorneys. No one wants to do anything about it. Money to keep paying attorney is difficult.

We work all of our lives for what ? Try to be a law abiding citizen and this is how our government has helped by giving money to these banks for what? We are a nation of sadness to see our own country exploited by a corrupt system. What happened to working and being loyal, showing compassion to one another? It is just heartbreaking to work for the American dream. Ha! No more.

Someone needs to fight. As a nation we, the people, can only make a change by actions. If everyone was to pull their money out of BofA, I bet they would see who really is the consumer making them money. They are a business corporation with no morals or compassion. They do not care about anyone but themselves. God help them.

For approximately the past six months the Credit Department of the Bank of America has harassed my family at all hours of the day and night with phone calls requesting to speak to Rohnda or Gregory *******. The phone calls have persisted despite my initially advising that neither party were known to my family, resided at my address nor had access to our phone listing. Nevertheless, the phone calls persisted. My request for the names of the various callers met with a disconnect. Subsequent requests to speak to a Supervisor also met with a disconnect. When I attempted to call back the response was a voice mail, which identified the Bank of America as the caller. My irritation, frustration, and resentment regarding this persistent aggravation and abusive intrusion cannot be overstated. I would welcome any assistance from your organization in bringing this intrusive harassment to a halt.

Case 1: I tried to pay off a cash advance portion of my bill, Bank of America refuse to apply it to the cash advance portions. Their excuse was their policy state they can only apply payments to the principle.

Case 2: I pay my bills through bill pay. Bank of America raised my bill in the month of October 2010 by $3.00, their excuse was it was a 5 weeks in the month of October, so the interest drove the bill up slightly, they charge me a $49.00 late fee. I called about it on October 18, 2010, The representative waived the 49.00, said next due date just add the $3.00 to the bill. I paid next month and added $10.00 extra. I received my bill, with another $49.00 late fee. I called Bank of America on 11/18/10 at 1:30 pm. I ask what was the late fee for, I was told the late fees was because the minimum payment was not met.

Bank of America claims the adjustment of $49.00 comes off the principle, but you still have to pay the $49.00 because it's added to your minimum payment. So, my minimum payment have now went up about $97.00 and if you don't pay it, you will go up another $49.00 or more each month.

I made a deposit of $3000 in the form of a business check from a large national research organization, and a 12 day hold was placed on the check for no particular reason that I can gather. When I asked why the hold was placed, I just get a response that: "The decision to place a hold is based on many factors, including the account history and overall customer relationship.

For example, how long a customer has banked with us, account balance maintained, whether items have caused insufficient funds, and other factors. "None of these seem valid reasons or justifications for placing a hold on a check, if the check is valid and good. Fraud would be the only reason to place a hold on the check, and with modern electronic means it does not take that long to determine the validity. Moreover, I've been a customer of the bank and have made other, even larger, deposits in the past... even from this same source.

I would consider legal action if they insist on the hold when I contact them Monday, or simply for the inconvenience and trouble they put me to. I would not be surprised if these were discriminatory banking practices designed to selectively optimize their financial position, or arbitrage funds.

My name is Rene **, I live at **** **** ***** St. Los Angeles CA, 90059. My family and I have been living here for 10 years, and we have had difficulty with our economic situation. My wife and I had our income reduced from our employer causing economic hardship. We started to get behind in our mortgage payment and we have been trying to work with Bank of America for a modification. We have sent all documents requested by the bank and we continue to follow up with them on a weekly basis. On Oct. 21, 2010, I was assigned an underwriter named Zhackreya **. I have been faxing all the documents requested, I have faxed a letter explaining why my wife's maiden name is first and then her married name, and a letter from her employer. I called on 11/13/2010 for a follow up on my modification and again they are requesting a letter of explanation on our marriage status and from the employer of my wife.

I believe it is improper for the underwriter to be questioning my legal marriage just because my wife has her maiden name first and secondly her married name on our documents and tax return. In our country when a woman get married, she keeps her maiden name and just adds the married name. He also requested we get a letter from my wife's employer showing starting date, wages, frequency of pay, and how many hour she works. We have provided the pay stub for my wife's employer as well.

I believe it doesn't make any sense that they continue to request these documents, it only prolongs the modification and we are in danger of being foreclosed on our property. We have complied and faxed all documentation needed more than once. We are filing a complaint and requesting an investigation against Bank of America and their underwriters, as they are buying time requesting the same information over and over, and documents with no pertinent information towards the modification, as it is adding to the cause of the high volume of foreclosures. We are asking for your help towards this matter.

On 11-12-10, I contacted BoA about an overdraft charge from a check that went through on my checking account on 11-09. I had a $247 balance and a check for $244.53 was written on November 5 which left me a $2.47 balance. Also posting that day were a $8.00 debit and a $2.15 debit. There were pending debits in between as well but I was $8.07 overdrawn. On Wednesday, 11-10, I had a credit for $102.00 deposited. I was charged a $35.00 fee for the check not clearing. Online on my statements, it clearly shows the $244.53 check clearing and the other two debts causing the overdraft totaling $8.07.

The banks know that now they can't charge a $35 fee for a debit of $2 or $6. They will now process it differently in their system to flag the overdraft when every where you look at online shows something totally different. I talked to different departments today, 11-12, and heard 5 different scenarios about my accounts. I said my credit card was current and 3 were said to be cancelled. I just don't think it's very ethical or legal to be able to play with your system so it triggers fees but on the consumers end of looking online says something totally different. How are we supposed to keep track of what's coming in or out of our accounts if the banks system can just trigger fees in other places?

I am constantly inundated with overdraft fees as a result of the confusion of using online banking to track my daily balance. The balance is not accurate and gives a balance of funds that aren't actually there. I believe this confusion is intentional in order to collect fees constantly. This bank encourages paperless banking then later says that I should have used a check register to check my balance.

I got an average of more than $200-$300 a month in fees for at least one year.

I opened an account for my investment LLC on Oct. 22, 2010 with Bank of America. They closed my account and sent me a letter dated Oct 26. 10 which I received on 11/5/10. I got a check on 11/6/10 with $40 fee deducted from my account balance. I called and demanded the reason for closing the account and was told that I am a risk to their bank. I asked for explanation of the $40 shortage. They said I'd have to pay for their research. I am shocked but okay with the account closure. If they don't want me, I don't want them. But why the $40 fee?

It is their decision to investigate me, not the other way around. I don't think it's fair for me to pay them for their investigation. It feels like I have been ripped off. I opened a bank account for less than 2 weeks, and all of a sudden they close the account, take $40 from you and tell you that it's okay for them to do it because it's all in the fine prints of the agreement you signed when you opened the account. Why can they charge whatever they want? Do whatever they want? Is this legal robbery or what? And knowing that they can be here today to rob me because, as a taxpayer, I contributed to the bailed out. That really doesn't make sense to me.

I write this letter with a very heart, but it is yet a letter I must write. Be assure that I get no pleasure from this, but rather I hope that unlike your predecessor, you will find it in your heart to do the right thing in this very special case. In January of 2006, a woman by the name of Marianna ** sold her home in the city of Brockton, Massachusetts. She was represented by a real estate agent and the closing was held at the offices of a licensed attorney. What she did not know was that these men were not honest and that this was a scam to defraud her. The closing was held late on a Friday. Marianna was told that because the deed could not be recorded until the following Monday, the attorney was giving her check in the amount of $69,000.00 to the real estate agent to hold until he could record the deed.

At this point, I call to your attention that Marianna ** could not read or write the English language. As a matter of fact, there should have been a court certified translator at the closing, there was none. Reluctantly, she was coerced into this agreement. Again, I call to your attention that the check made out to Marianna ** was not endorsed. The real estate agent took the check to Bank of America, signed the check himself, deposited the check into his account. Later, he want back to Bank of America, withdrew the funds and transferred the money to Webster Bank. From there, the money disappears. This was all the money Marianna and her four children had in the world. With no funds and with a language barrier, there was little Marianna could do. Bank of America did not want to hear about this. As a result, Marianna and her four children became homeless. They were evicted by their new landlord. They ended up living out of her car, which was later repossessed.

In 2008, this matter came to my attention. I immediately contacted the bank. In addition, I contacted Congressman Barney Frank of the house banking committee. Upon consensus of opinion, a law professor took up her cause on a contingency basis since the woman and her children hardly have enough to eat. We assumed that Bank of America would do all it could to help us in settling this matter and clear its good name. Well, that has not been the case. The firm representing the bank has been arrogant and insolent.

They have repeatedly tried to dictate terms and they have done all they can to delay this matter from being put before a judge and jury. Needless to say, all they are doing is to delay. They do not have the power to stop the case. In the process, however, they will amass a much greater fee for themselves and do further damage to the name of the bank. I cannot believe that this would be in concert with your wishes. I think this is really the image your bank wants to portray to the American people.

I am not an attorney nor do I profess to be one, but even as such, I would not want to walk into a federal court and face a federal jury and represent Bank of America after pulling such stunts. I believe that an employee or employees of the bank did a favor for a client of the bank. They cashed a check that they should not have. The check did not belong to the real estate agent and it had not been endorsed over to him. He was cashing someone else's check. A check for a large amount of money. The best thing was that the bank would admit that it had made a mistake and do all in its power to rectify the error. That would have been the honest thing to do. That was not done. As of this date, your attorneys are still up to their tricks. They use delaying tactics one after another.

As you prepare to hand out bonuses totaling hundreds of millions of dollars to your staff, I call to your attention Marianna **. She has trouble paying her rent. She has had her electricity turned off more than once for non-payment, along with her telephone and her heat. She lives in Rhode Island and works in Massachusetts. She has no car. Every morning, she has to walk 3.7 miles to be picked up and taken to work. She has to do this no matter how bad the weather outside is. She has to do this 5 days a week. The woman has suffered enough. I ask you to call your attorneys and tell them that this matter will be settled this month and it will be done so without fail. I ask you to tell them not to attempt to further defraud her. After all, what is the price of the bank's good name?

Before they settle on an amount, let me ask you this: How much is your bonus? What makes you better than Marianna **? I ask you this last question. How much will a jury of her peers award her in this climate, in this era of bank hating? Are you sure that an appeals court will lower the award or for that matter, even hear the case? How much more damage is your bank willing to take? With all due respect, I thank you for your consideration in this matter and your immediate response.

There is an automated call to my phone number several times a week. I have no loan, no mortgage, no business with them. When you try to call, there is an automated machine so you cannot get to a person without an access number. Since I have no loan, I have no access number. This is an annoyance and keeps happening. They say on the message that this is not a sales call. They don't say what it is. I wrote to Van Nuys Ca on September 23. I am still getting calls.

They have been charging me for life insurance that I never approved of. They did not want to pay me back for what they have been charging and they showed me the recording which was not my voice. I have tried different methods of letting them know to pay me back and they still have not.

To add a little **, they charged me a $400 commission to do it. Now I'm fighting the insurance company for the $ and will never work with B of A again. They were rude and unprofessional with no answers this entire time.

My daughter was an account holder at Bank of America. She has been out of school (college graduate) for over one year now and her biggest financial dilemma was dealing with this bank's unscrupulous and underhanded business practices. Although I was extremely hesitant to do so and the fact that my daughter is strongly independent, I regrettably finally paid off her balance (she is paying me back monthly at zero interest rate) and she closed her accounts with BAC (cheers!) on 11/01/10. The main reason I took this path after my daughter asked for help is because she was under so much stress worrying about her ever increasing debt.

Several years ago, Jill started an account with Bank of America at a zero rate interest, only seeing it grow to 19.24%. She never got any help from Bank of America and never realized she could get into so much trouble in such a quick period of time. She had no idea that the rate and penalties would stack up like they did and still no help from BOA. Her bank offered no help and conditions continued to grow worse.

By the time she asked for help from me, her account balance grew to over $5,000.00. I know that doesn't seem like much to your bank, but to a young college graduate in a very tough economy, it's all the money in the world. She was trying to make minimum payments and had to sacrifice her eating habits. She was beginning to lose sleep at night and this situation affected her health. Can't they see what their bait and switch, loan sharking business practices are doing to these young people? My daughter is a good example. She finally gave up living on her own for now and is back home and asking for help and I'm glad she did.

I truly believe that what they did to my daughter is criminal. Although she didn't completely understand (I pity the less educated people they must attack) what was happening on her account and the reason it was getting hit with constant penalties (the penalties made her account go over the positive balance which then caused even more penalties) and high interest rates. Her minimum payments kept going up even though she was trying to bring this under control at several points. Again, she asked for help from their bank representatives, but they probably were laughing as she walked out the door, saying another patsy.

When we finally get to a point where the lesson learned was far over, I called BOA to negotiate a payoff amount and talked to a manager (I have names, but I will not mention them as I believe their managers are only pawns in BOA's corporate practices to lure people into trouble), but to absolutely no avail. Even though BOA took more money from my daughter than she actually got loaned out to her, no one wanted to give her any consideration at all with a small discount to say thank you for paying off your bill, not even $50.00, pathetic. (I was attempting to teach my daughter about the strength of negotiating, but she was so disillusioned with BOA that she just wanted to get far away from anything at all to do with their bank and I do not blame her).

So in the end, we are not looking to get any compensation from BOA, so please do not offer any at this time, we are well beyond that point. What I do want BOA to know is that we are not going to lie down and take this, we will fight a good battle and initiate a strong campaign to tell the world about the lousy and uncaring bank practices of BOA. We have already begun this campaign and I hope it affects their business very negatively. Yes, 99.9% of the people they unjustly steal from will do nothing about it, but they messed with the wrong customers this time.

Charged my account 12.99 since December, 2008, when I opened account Privacy Assist, a service that protects my identity from theft. I never authorized this service.

I am not the only one, I just realized going through this as I checked the web and there are many posts of this nonsense, in fact, even came across a class-action suit in another state. I wish I had more time to fight this.

I have a small 12-month IRA that matured on October 15. I had 7 days, not business days, weekdays, to contribute to it or make any other changes to it. On October 20, I called the IRA department to make a contribution. The number on the maturity notice was useless. I told Andrea, who was cordial and helpful and I have no complaint against, that I wanted to transfer $2000.00 from my checking account at the same bank into my IRA.

She said she would take care of it and asked if I had any questions, which I did and she answered to my satisfaction. I did this same sort of contribution last year and all went well, the transfer showed up right away when I checked it on line. On the 20th this year, I got very busy and never got on line to see if the change had occurred. The next day when I looked at my accounts, the $2000 had been taken out of checking, but not put in my IRA. I immediately called to find out where my money was. Andrea, again, told me they had a system failure and it would take 7 to 10 business days to get the money where it was supposed to go. I have checked every day since and it is still not in my IRA.

I live 40 miles from the nearest town. Our DSL out here is almost as slow as our dial-up. Often it all goes down all together. It never takes more than a few hours to get back online. I realize great huge corporations have their problems with large numbers of customers, but come on! Where is my $2000?! 'm an ill, 55-year-old woman with absolutely no prospects. My entire life savings are in that bank, under $17,000.00 (well it would be that if that $2000 would materialize). I have a long way to go before Social Security, and don't have much hope of ever seeing that. I'm frightened and Bank of America is adding substantially to that fright. It's been keeping me awake at night.

I had an account with Bank of America in California. I am now in Oklahoma.

I was in jail from 10/28/2007 until 10/5/2009 without a trial. During this time, many charges were put against my checking account. I was not aware this was going on. They allowed my account to run up a total balance overdraft of $599.21. I had a person with a power of attorney and she was never able to get information from the bank.

It wasn't until almost 2010 when I became aware my account had been overdrafted by many charges I did not authorize.I have been very ill and unable to deal with these things. I had tried to talk to Bank of America when I found it out in late 2009 or early 2010 but they would not help me. Now they have taken a charge for $110.00 from my current bank account. I called Jason at Recovery Services in Bank of America at 877-***-**** or 804-***-**** and he said it is just too bad. I told him again those were not valid charges and he said they would not do anything about it.

I begged him to allow me to make small monthly payments. I am currently working through the AARP program for people over 55 part time and searching for a full time job. I make about $500 a month. I cannot get my medicine now or put gas in my car. They drained all the money from my account. I was in danger of my car insurance bouncing and a friend who is unemployed gave me $100 I must return immediately.

After I spoke to Jason and explained the situation, he just said too bad and they would take all my money and it was my problem. After I hung up he put another amount through of $93.71. This took the money my friend loaned me that I must return. This is what he did to me after I begged for mercy and a small payment plan and for someone to look at these bogus charges.

"Too bad", I am told repeatedly. I am now without even gas money to drive to work or to pay for my medicine and doctor visit I need so badly. Please help me. I am staying with a friend but they are out of work also. I have no one to help me. Please help me get part of this back and get payment arrangements for the part I actually owe. If it is too late for them to fix this fraud, then why is it not also too late for them to take money from me I do not owe?

My account has an erroneous charge. BofA is very lax about this issue shuffled me off to a claims dept. I called and it would not let me into system with out a claim number. Round and round I went trying to find somebody to look into this charge on my card. Third attempt, they wanted address, birthdate, how many accounts, birthdate of other person on account and date of last statement.

I would like to get BofA to address my charge and to stream line the claim process with some dignified behavior

In September, 2010, my bank statements informed me that the service charges on my tiered Prima accounts would increase to $25.00 per month beginning in November 2010. Since I am almost 91 years old, in a wheelchair, on a fixed income (half the poverty level), I decided to close my account with Bank of America. On October 5, 2010, my son, Tom **, drove me to Mt. Shasta from Weed.

At the bank I was referred to Kathleen to process the transaction. She reconciled my check register with her computer data and 'ticked off' the cleared checks, one of which (#3087) was my space rent payment for $320.36 and was deducted from my account balance. This was a mistake, which she later acknowledged over the phone. The check had not been submitted at that time and therefore no funds had been disbursed.

Therefore the funds were still in Bank of America. The check was submitted after October and Bank of America sent me an overdraft notice. I called Kathleen and asked for an explanation. She said that the mistake was hers but that I had to pay another $320.36 anyway. Two other checks (total $78.55) had not cleared, so she told me to leave $100.00 in the account until they cleared and the balance ($21.45) would be refunded to me. That has not happened either. What recourse do I have, if any? Thank you.

On October 14, 2010, my credit line was reduced to below the balance. On October 20, it was reported to Experian that I am over my credit limit affecting my credit score (I am informed by my credit monitoring service). When I wanted to bring it to Bank of America's attention that I have not been informed, I am told that there is a letter in the mail to inform me, which may take up to 8 days to receive. Now, if it takes 8 days for you to inform me, then how is it that it takes only 6 days to report it to credit agencies? See something unreasonable here? How am I supposed to get the chance to make a payment to bring the account below the limit? I didn't use this card above its limit, and now my credit report says I did.

Bank of America continually charges non sufficient check charges so they maximize their profit. I was overdrawn and Bank of America cleared the large amount check first and sticks you with over drafts charges on all the small checks that follow, rather than clearing the small checks first and then the large amount last so you don't incur so many NSF fees. The other thing they've done is hit me with overdraft fees because they have place a hold on checks we have deposited. This is in excess of 1-3 days, in some case over a week. I complained to bank of America and now they place me with their problem account division and have ask me to go elsewhere with my banking. After 20 years with the bank I am appalled at the way they treat their loyal customers. I do not think this is fair business practices and I think an attorney would have a ball with a class action suit against them. I'm sure many other customers are being treated the same way.

We have been customers of Bank Of America for years and are senior citizens. My social security check is automatically deposited into the bank. We never have our checking account balance below $1500 and have savings with $6000 in the bank. We have never been late or overdrawn on any account and pay our credit card in full each month.

We opened their advantage checking account with the knowledge that if you put you SS check in and do not go below $1500 in checking it is free. They are now charging us a $15.00 monthly fee for what for the last ten years has been free. The very rude manager will not negotiate this fee and in fact said to keep it free we must put $5000 into checking.

This action after the American tax payer bailed them out to the tune of 45 billion dollars. That is there thank you to all of us who have been their customers. Too big to fail, well, I say let the failure begin one customer at a time. We have left and I will urge everybody I know to also leave. We as a community of good citizens can bury this bank. Stop all banking with Bank of America now!

I was doing the loan with her and I'm not qualified to refine because of my income. Gertrude ** told me just to make up a second job and she (Gertrude **) will have her people to verify and approve for me. She told me that is how I will get approved for my refine.

I feel that Gertrude ** is a Fraud to do loan. And, after I told her that I'm not comfortable to do make up my second job, she didn't even call me back. I feel that if she keeps doing the business this way, eventually it will corrupt everything. We need to stop this business.

I spoke with Sharon on Oct 7th in regards to making a payment on my account to be drafted on the 16th of Oct. She drafted the funds on the 7th which hit my bank on the 8th and created an overdraft. My bank returned the funds on the 12th of Oct. and again they put it through on the 14th. I have spoken to several different rep from Bank of America and faxed all the documents they told me to fax. They told me it takes 24-48 hours to complete the research and to call back on the 19th. I have called and held now for 2 hours and still have not got this resolved.

They owe me 2 NSF fees plus a $20.00 payment by phone fee. I had 2 bills due on the 11th. I could not pay because of the overdraft fee. Again, I get someone that knows nothing about my account. Bank of America should be ashamed of themselves. This is complete BS, and I want my money refunded. I went to Bank of America of Sat the 16th of Oct and made a payment on my account. I stand good for my payment to them, why is it appropriate for them to not hold good when they make an error?

We have closed 4 accounts over the past 12 months with this bank (savings, business, checking accounts). They are the most arrogant, snotty and rude customer service reps I've ever experienced. They will not answer their (local) phone, they just let it ring until an automated system picks up. One day after phoning 11 times (this is no lie), throughout the morning & afternoon, I actually faxed them a huge note and asked anyone, someone to call me. At the very end of the day, someone finally called me. He said "Oh, we were too busy to answer the phone".

Why are the feds ignoring all the complaints against this bank?

I was co-signer for a student loan on behalf of my niece. I was told when I co-sign that if I paid on the interest for a total of 50 monthly payments of 100.00 dollars, that I could submit a request to be removed as an co-signer. I started making payments 17 Aug 2006 to current. I submitted my request to be removed on 20 September 2010. I made it clear that I, the co-signer, is submitting the request. I was sent forms via by email to fill out and to send to student borrower to fill out their part and then fax it to Bank of America. I fax the forms to Bank of America on 20 September 2010. I was told that it takes within 7-14 days to get a response back via mail. I never received a response, so I called Bank of America on 18 October 2010 to inquire about my request.

I talked to the supervisor of customer service, Mr. Anthony **. I asked him why was my request denied and he stated that my niece had delinquent accounts and the request was denied on those basis. I then ask why didn't I received something by mail informing me of the decision. He stated that the information was sent to my niece. I stated that since I am the one who initiated the request, that they should have sent me a letter also.

I called to ask about a balance transfer and they said that I could do it. I told them I would as soon as I got home and so they reduced my credit line before I could get home and put it through. I have no problems with my credit history and with paying my bills. They stated they just didn't feel comfortable with me having that credit limit and taking on more debt.

Overdraft fees! I made a check deposit at a BOA ATM on 10/8/2010. I later learned that the bank had only given a partial credit to my account and the remainder would be credited later. It was because of this withholding of funds that my account went into overdraft. The bank reps stated that "sometimes" the bank will only credit a partial of the deposit "until the funds can be verified".

I was told by the telephone rep that it was only because I used the BOA ATM and this deposit was partially withheld. Result: inability to make purchases because of non-credit and fees.

9/29. I completed online process to open business account. 9/30. I deposited a client's check, which had my company name but not my own, into my personal business account (my only mistake) with intent of transferring those funds into my business account within the next two days. Machine gave me a balance and the ability to withdraw funds, which I did.

10/1. I went through the drive-through of my branch to deposit paycheck. I was told I needed to come inside. My account had been closed. I spoke with a branch rep who was trying to contact a risk management professional to determine what happened. Bank rep could not get through. I called the number myself on my cell phone and reached a person at risk management who said suspicious activity had taken place on my personal account. The only thing the risk management employee could tell me is that I had made a deposit into my personal account with a check that did not have my name on it, withdrew the fund and used my debit card.

I told risk management that when I made the deposit the ATM indicated I had a certain amount of funds available, which I used. She then said she had more clients to deal with and hung up on me. The branch manager seemed somewhat mortified and not sure what to do.

10/2-10/4. No word from BofA. No explanations, no phone callsnothing. 10/5. I received a letter from the bank with a copy of the original check along with a letter indicating that I could cash the paper check anywhere. I went to two different banks. No one would cash a paper check and thought it was very strange that a bank would think anyone could cash such a check. To date, I have a $5,200 copy of the original check and no way to resolve this issue.

The only feasible way at this point for me to resolve this is to contact my client and ask him to stop payment on the check he gave to me and reissue a new one; however, I do not know what to say to him. I had promised creditors certain funds by 10/1 and now I am behind and have failed to honor my obligations. I am stressed, distracted and depressed over how to rectify this situation and to get real answers and explanations as to what happened.

I had just moved here and needed to open up an account to have funds transferred. The female at the desk had me complete an application. Upon doing so, I was directed to "Herrera" who didn't even greet me, but said "your social security number is not correct. " Excuse me, that is what I have been provided. They refused to open up a bank account but there were 7 that is seven Mexicans speaking Spanish who were greeted gleefully by the same downer I had. All provided not a DL or Passport but a Mexican Metricular Card as ID.

It would be funny if you knew you could purchase as many as you had the cash and could complete them with any name or address you could think of but it is not. Now Bank of America is stopping all foreclosures for the same who are not even whom they say they are and are not even USA citizens and not the taxpayers. Stop the double standards creating chaos and anarchy in the USA. Rights vs responsible citizens.

In Feb 2010, someone used a fake debit card with my Health Savings Account number to charge several hundred dollars to my HSA account. I didn't find out until March that BOA had put a hold on the account and I could not use it. These charges were in another state, were obviously not for health related expenses, were obviously not made by me (car wash, tattoo parlor, cheap jewelry store, etc. ) and were all on the same day.

8 months later, BOA is refusing to return my money or even respond to my repeated requests for a resolution. They are still charging me $5.00 a month maintenance fee. These arrogant, bankrupt thieves are refusing to return my money per the terms on the debit card even after they admitted that all these charges are fraudulent and refunded all the charges (6 months after the fact) except the largest one.

They owe me about $260 more and are refusing to do anything. I am trying to file a criminal complaint but that is an even worse nightmare. I have all the proof but now they won't even show the details of transactions on HSA accounts and are hoping no one notices so they can continue to steal from sick people.

Because I had cancer and was sick for about two years, I have had income problems and contacted BOA to ask about reducing the interest on my loan according to President Obama's plan. I never asked for anything but information. Yet, the next month, I received a bill from BOA for over $8,000 and they wanted to pay for my insurance and taxes which I pay myself, have always paid myself and have never been late on either or even on my loan payments, never been late. I am due this reduction and BOA owes me money from the date the law went into effect. I should have and should have had this reduction. I am now in remission and after chemotherapy, able to work again, but in need of help financially.

On 10/8/10 at 11:15 am, I deposited $2600.00 cash into the Bank of America ATM located at 2154 MacArthur Boulevard., Oakland, CA 94602 and was given the response from the machine that it could not process all of the bills deposited. The next response from the machine was that it could not return the bills to me. The ATM then asked if I would like to continue with the transaction, having no other recourse I did continue the transaction. The ATM then prompted me to enter the amount of my deposit, which I did. Then the ATM asked if I would like to complete the deposit, which I did and requested a receipt with a summary. Upon receiving the receipt which showed I had deposited $300, not $2600, I immediately entered the branch and notified the first employee I saw that the ATM had just made an error with my deposit and I needed it resolved.

I was told that I would have to talk with their Customer Service specialist or that I could call the 800 number on my receipt to file a claim (more on this in a moment) As an aside, I would like to note that what has just happened to me is theft! I had money taken from me by a banking institution without an accurate record of the deposit that I had made and I cannot get my money back. Now the cash that I had is not available to use to pay bills, transfer to other accounts, etc. Furthermore, the temporary credit I was assured by customer service that I will receive in my account within 24 hours is just that, temporary. If for some reason the bank makes another mistake and cannot account for the money that I deposited into the ATM, they will reverse the temporary credit from my account. Thus leaving me without $2300 of the original $2600 that I started with this morning and having to take legal action to recover my money, an exercise in futility to be sure!

I sat down with the customer service person at the branch and told her what had happened. She was very nice and informed me that she would have to call someone to start a claim meaning she would call the 800 number for me and I had just waited to talk to her for nothing more to be reassured that they would resolve the situation. (At this point I am now the bad guy in this situation, the bank has my money and they need to prove that they made a mistake before I can have my money back temporary credit or not). Seriously, how is this any different than me having been mugged and having to file a police report in order to right the wrong that has happened to me? So we complete the claim process with both of us talking to the customer service person on the phone. I would like to say that the claim process was handled very well and I was given lots of reassurance that if the ATM had made an error, I had nothing to worry about (insert sarcasm). Nice, but it is not the same as me getting my missing $2300 dollars back.

It seems that Bank of America does not actually operate their ATM, that is a function contracted to another company (I have not confirmed this yet, but is what I have glossed from talking to several Bank of America employees today). Therefore, they cannot just open up the ATM and get me back my money, which I could identify by the various markings, stamps and little notes written on several of the bills that I had noticed while I was counting and facing all of the bills in preparing to make the deposit. So after the shock of having had my money taken from me by my bank and being ground down by several phone conversations with customer service and talking to the branch manager of the branch where I opened my accounts and whom I know personally, I am left to wait for the bank to do its investigation and trust that nothing else will go wrong and that this dispute will resolve in my favor.

This is hardly comforting considering that such a big mistake seems to happen frequently enough that it seemed commonplace to all of the people I talked to at Bank of America and that they have such a well scripted response for dealing with this type of problem. I also recognize that it is possible that the bank has encountered problems with scammers and counterfeiters trying to swindle the bank by using the cash deposit method to launder money. But the issue is that I worked hard for that money and have done nothing illegal and I am not the one who did anything wrong. Furthermore, I was cordial, friendly and even a bit lighthearted about the situation with everyone that I dealt with (despite my inner rage that had been held up and fleeced for $2300 dollars of cold hard cash!) so that I could get the best service and most calm and concise answers to my questions.

This is an epic fail by the banking industry as a whole, in this case Bank of America, but it could have easily been with any other bank. And myself as well, I now realize that despite many such deposits of cash and checks into ATMs that I really should not trust the machines that make our lives so called more convenient. The technology is by no means fool proof and the resolution of such issues leaves a person feeling helpless, vulnerable and totally incapable of affecting the outcome. How many others have had similar situations? How often does the bank end up taking the high road and making it right for the honest, hard working customer that has entrusted them with their money? What consumer advocacy groups handle situations like this? How do I get back my day of lost wages dealing with this issue? How do I get back the feeling of confidence and being in control of my own money, and still operate within the confines of today's semi-cashless society?

I realize that the answers to these questions are rhetorical in this instance and that life does not always work out the way we plan for it. But if the questions aren't ever asked, how will we as a people grow into a better society? I will not take it lying down, I will stand up and make my voice heard, I will bring along those that feel the same as me and demand a better way for us all. Do the same and together we will have an impact and make the world a better place. If nothing else, we will feel better about ourselves for standing up for what we believe!

If your bank sucks, let them know! If your bank is not working for you, take your money elsewhere! It is a pain to deal with but how else will they be motivated to change? In my instance, the time I spent dealing with this would have been about equal to closing all of my accounts and walking across the street to open new accounts at another bank. Once the issue is resolved I can assure you I will be looking for a new financial institution to handle my cash assets!

The company Southern Salvage, that we worked for, sold on Sept. 24. Our check were about to be pulled out of our accounts because Southern Salvage didn't have enough money in their account. They took care of the problem. But what I am so ** about is when they let us go, everyone took their checks to Bank of America. Because it was in check form we were worried they might not have enough money in the account by the time it went through our banks and you people had the gall to charge us $6.00 dollars a piece to cash them. One girl's check was $97.00 and you bastards charged her $6.00 and that was her last check.

I have stopped and told 25 people about this and I might stop at 500. Don't you think it's a joke. But until the end of time, I will stop total strangers on the street and tell my story.

This man called and left a message on my answering machine. He was looking for my father, telling me to tell him to call them! I don't' even associate with him, nor do I have his last name anymore. How did they get my name and number? Then they contacted my brother who lives in Florida! On his cell phone! How did they get that number? There's no damage. I'm just wondering how they got my information. I feel violated.

I went to question why I was charged with 3 overdraft charges in one day for being overdrawn. I was sent an email alert saying that I have 5 business days before the next over draft would go into effect. This was on 09/27/2010. I was getting cash funding from the state and was being terminated after October. I went to deposit $40.00 into my checking account to cover for the $10.92 and if there was any remainder left I had $20.00 left of the cash funds I have received. I nearly fell over when I saw my receipt for the deposit. It stated that I was still $80.00 something in the negative.

On the 1st of this month, I went in to talk to them about this issue. I was told because of past issues with overdrafts (a hotel double swiping my card and T-Mobile taking money for a bill before the agreed dates), they put my account $280.00 something in the red. That made me move all of what was in checking to savings to protect the money I had in there. Meanwhile, the hotel charge and T-Mobile was still rolling over in my checking.

I was told that they can remove 1 of 3 overdraft charges but will have to talk to a manager to see about removing the rest. I understand one overdraft charge, but in their email I had until the 4th of October before the next charge would take effect. Here is a copy of the email with what was paid out and the charges along with statement saying I have 5 business days to cover. My issue is if I was overdrawn, why was the other purchases allowed to go through?

Accounts overdrawn for 5 consecutive business days are subject to an Extended Overdrawn Balance Charge. This charge is in addition to overdraft item fees which continue to apply. To prevent this Extended Overdrawn Balance Charge, deposit or transfer available funds to bring your account balance positive within 5 business days from the date your account was originally overdrawn.

I put in what I thought would handle what was over drawn (deposited $40.00). Now I am left with no money for the next 3 months. My partner wants to put money in my account at the end of each month until I can get my funding back after January 2011. Now she fears that with all the overdraft charges as before when I moved, all checking funds to savings will be eaten up by the overdraft fees. It has caused my partner and I a lot of stress just trying to figure out how to bail out my account without killing us.

Since my initial complaint with regards to Bank of America and the vehicle that my husband had purchased through this company, I have received a letter from DCM, a collection agency handling deceased clients' loans for Bank of America telling me that they were going to prorate his estate for the balance of $20,000.00. He had no estate, and there was no will.

He has since received a letter from Bank of America dated September 27, 2010 informing him that the van had been sold for $12,300.00 and the balance he owed is now $8,312.80. They stated that if a deficiency is indicated, he is to contact Bank of America immediately to arrange payment of the deficiency balance. To receive additional information about this transaction, he is to call or write to Bank of America.

My husband passed away on June 15, 2010. They were notified of this by receipt of a death certificate. There are no phones nor mail service where my husband is now. It seems inappropriate to write letters such as these to a man who is dead, particularly since these letters come from the Deceased Unit of Bank of America. This is more like harassment.

B of A must answer these people, it's like their big brother. Do it to make it count!

The bank put a five day hold on my payroll check. I deposited my payroll check into my checking account on Friday, 01/10/2010. The payroll check cleared City National Bank on Monday, October 4, 2010 but BofA put a five day hold on the check. Both banks are local banks here in LA, twenty blocks away from each other. Will someone please explain to me how is that possible and legal that a bank would not release my funds for five days even after the check cleared the bank that issued it? Will you please explain that to me?

I was overdrawn two times in a week and I thought I had protection, but since there was a problem with hotel double swiping my card and creating an overdraft 10 months ago and T-Mobile taking money from my checking account before their agreed dates, my account has been up and down ever since. I had part of that cleared up but it still cost me over $350 in daily overdraft charges. I get email warning and they state I have five business days before anymore charges will follow.

Now just at the beginning of the month (I am homeless and my business is an IT consultant, which has been for the most part outsourced to overseas phone techs), I am not receiving anymore funding from the State of California for the next three months and used what I could to bring my balance up but as I do that, I am hit with another $35. Now from -42.92 I am now looking at -125.92.

The bank says there is nothing they can do. I need the account as my family in New Zealand send me what they can afford at the end of the month to my account so I could survive until I can find work and get help again from the State.

As a follow-up to my earlier complaint, I called BOA again this morning only to find out the "appeal" that was supposed to be done within 7-10 days and has not happened yet, was declined. I also found out today that FHA loans cannot be appealed. After speaking with Laquesha, she said she was going to try and reach Mr. **'s extension, to which I replied, it won't work. She came back and said "you're right, it doesn't". She then transferred me to a supervisor Telvnia in home retention, who proceeded to tell me that the mysterious Mr. ** left me a message on July 23rd. She insisted he did call and I swore to her that no one called and left any message.

She made my modification null and void because my paperwork have not come in on time. I proceeded to advise her that yes in fact I sent it on time, with a tracking # as proof of delivery, which I gave her. I also faxed it all on July 23 to Project Hope. Again on hold, she came back saying I didn't make any payments since March, wrong again. I had my cashier's check dated 6/2/10 for the amount required, a check for July and called in my payments for August and September. She went in to check and confirmed I did make the payments. She said she would contact the elusive Mr. ** again and see if he could reopen the modification, but wasn't a guarantee because he makes the decision. Telvnia updated my financials on the phone and told me Mr. ** has 48-72 hours to get back to her with an answer and she would call me back. She did, however to give me her number with an extension to reach her for me to follow-up as usual.

The problem with all of this is my letter of intent to accelerate expires tomorrow 10/2/10 and still I have no remedy. It seems that all my paperwork is in order, but BOA has a problem with logging in or delivering the paperwork in a timely manner to negotiators, which has put me in this foreclosure possibility. It seems that I have complied with all of BOA's requests in a timely manner, usually before the time required for it to be in. There is a possibility of foreclosure. I have been under doctor's care for emotional stress because of BOA. They have destroyed my credit and if because of this I have to leave my home, I don't think I will be able to find somewhere else because of the credit. I'm very distraught over this entire process and I'm at my wits end for a resolution. I would like to find a very good attorney and sue BOA for emotional distress and punitive damages for their disorganization and bad business practices.

The bank put a hold on the funds in my son's savings account for 10 days, from September 20th through the 30th. It was supposed to be available September 30th. I went into the branch to take out the money and close the account and the hold was still not take off from the account. Are they legally allowed to place holds on people's accounts?

I was trying to get home loan modification and was jerked around and lied to for months. I reported Bank of America to the Office of Comptroller of the Currency and was automatically cut off from all normal channels and turned over to the office of the President since I had filed theft charges against NationsBank (now Bank of America) years ago. They gave me Larice ** to handle my account. Don't let her good looks and sweet voice fool you. You will learn like I did with a knife in the back. First she tried sending me a bribe. When I returned it telling her, "No thanks, just do the job that was scheduled 9 months ago," she accelerated my loan so that they can push me into foreclosure. She knows I can't find employment and refuses to help.

I fell behind in my house payments when I started having medical issues that required me to be in and out of the hospital, missing work. And as we all know--no work, no pay. After a full month of going between hospitals and doctors, I returned to work and got current on the payments. I have learned that now, I will be having brain surgery (doesn't sound like it is optional, does it?) and will be off work for a minimum of one month, if not two to three. So I did the "right thing" and called to make arrangements for the next couple of payments. I know that there used to be a way to skip the months and apply them to the backside of the mortgage--and apparently, there still is, if you have income! What? I need to skip the payments due to medical loss of income for those two months, but since I don't have an income, I am not eligible to do so.

Since I won't have income, I will not be eligible for something that could help me continue to keep my credit on track. But I have to make the payments as "late" and each month or 30-day mark can drive it further into the ground. In addition, they will be calling 15 times a day from various numbers they use to try to find out why I am not paying! So I am now planning my recovery from brain surgery, knowing that I may be facing foreclosure by the time I am able to return to work and knowing that I will be receiving their nasty calls the whole time I am trying to recover.

Bank of America does not want to help with my mortgage problem. In the first place I was not with them, but with Countrywide and I didn't even know I was switched to them. I recently lost my job and collect unemployment. I asked about the Obama program, but they give me the runaround so I will lose my home.

I just want to add that Bank of America needs to be sued by the American people for all the distress they cause people who try to modify mortgages! They should be ashamed that they carry the name America and they have done so much damage while they bask in the good life. Big bonuses and all the benefit yet the clients they treat like beggars and give nothing back to this land and the president and the attorney general let them get away with it. All foreclosures should come to a halt until the American people get chance to fix this mess that they have been trapped in!

Due to a rare disease, I had to take a demotion at work and eventually quit working all together. In January I contact B of A for a home loan modification and in February they sent me the modification agreement to sign and have notarized and sent back to them. I did so along with sending out the first payment on a personal check, as customer service had not told me it had to be certified funds.

On March 21st, I received the payment check back saying it had to be certified funds instead. So I called to find out where to send the certified funds to and in doing so was sent to four different departments and eventually told that the modification agreement had been declined due to my income showing much higher than I had reported and that a letter had been sent out telling me of the declination. I told the person at that time that first off I never received any letter and secondly, I had no clue where they were getting the income amount from because if I were really making that I never would have had a problem making the payment.

They proceeded to tell me I needed to start the process all over again. A week later, after having called in everyday and going over my financials five times with different people, the new process finally started but it took until the end of April 2010 to get a number to fax all the documents to again that had been faxed in January. So once again, I started calling every week to follow up on my review. Then during this time, I was told by two different reps that the original modification from March was never declined and to go ahead and send in the payment. So I sent two payments in for more than it required to be put toward the back pay only to find out two weeks later those reps were wrong and never should have had me send any money in.

I was then told not to send in any payments because they would just send them back to me. I never received those payments back nor did they tell me what they applied to them to. On 9-23-10, I was told by yet another rep they had me in the Attorney General program for the second go around and that they had declined that two months prior in July due to the same income issue I had on the first one, only once again no one ever sent me anything nor did anyone ever call me to ask me about it.

The income info I faxed them showed my income at $3700 a month while they say I bring home $6200 a month. The rep couldn't tell me why in the last two months of my calling every week to follow up on the review, no one had seen that it had been declined in July. So I called in again and got a different person as always and was told that he would start the process all over again and he agreed that they had been giving me the runaround and it wasn't fair.

During this, my home has a sale date of 9-29-10 on it and the rep put in a request for postponement for me. I spent the day on the phone today trying to figure out what is going on and was told that they team is still reviewing my stuff and may not okay the postponement. That's because I wasn't actually in a review at this time but just being decided if I could be reviewed for the third time that it probably meant they would go ahead and auction it off.

Bank of America has given me the total runaround and I would think and done some very illegal things in the process. Not once did they send me any paperwork stating they declined either program, not once did anyone ever call to verify income, not once did they let me speak to the person actually handling my file nor did I ever get the same person twice.

Each person had a different story. I even had one rep tell me they had sent me out the second agreement at the beginning of August and never received it only to be told they don't know why I was told that. I also had one rep tell me that he had sent an email to the department to speed up the process and that I would have paperwork within 10 days and never received it and then when I called to find out where it was they told me that I wasn't in that program. I was actually in the AG program and that they never should have emailed the other department for an expedite. Anything you can do to stop B of A from hurting any other person would be much appreciated. I don't think they should be allowed to continue this kind of deceit and trickery on others. Thank you.

I filed for a refinance with Bank of America (BA) on 3/2010. On 8/23/2010, our application was denied based on appraisal. I was told initially that if we were denied due to the appraisal, our application fee of $450 would be refunded. Multiple emails and phone calls to BA are not returned.

On 09/21/09, I opened a checking account. Later on my credit report, I learned that Bank Of America did a credit inquiry when I opened the account. They did not inform me that they were making an inquiry, thus doing so without my knowledge or consent. I have attempted to no avail to get them to remove it from my credit report (Transunion). I have closed my account over this issue.

John **, together with Timothy ** (another employee of BofA) and a realtor named Steven ** (Oak Realty, Framingham, MA), formed a conspiracy to violate federal real estate law. The three of them agreed verbally to allow Steven to place a lockbox and a "for sale" sign on a house that was part of my late mother's estate. The Probate Court in MA had not yet named BofA the executors of this estate, even though my mother's will named BofA as executors. BofA had no legal right to enter into any agreement with any realtor until being named executor of this estate.

The realtor's sign generated a lot of interest in the property. Many people called, trying to see the house. Steven told each caller that the house was "not really for sale yet" and could not be shown, and that he could not give the caller a date to see the house later. We know that at least 12 people called and received this info from Steven. When the court finally named BofA executors, and the house was ready to be shown (months after this scam), a different realtor had the listing. The house got only two bids, which was very surprising given the desirability of the location (Reading, MA).

We are going to send this complaint to the A.G.'s office in MA. We lost income from the sale. We got only two bids on a very desirable property because other buyers were frightened off after hearing the realtor's highly suspect responses to their questions.

They took over an already corrupt organization, i.e. Countrywide and continue the wrath of offering subprime/toxic loans to struggling Americans. My personal nightmare is that my loan was with Countrywide and is now with B of A. Countrywide made a feeble attempt at restructuring my loan into another ARM type loan and adding more to my monthly payment. As soon as B of A took over, they wanted to look good by offering me a federally sponsored "Obama sponsored" modification. This was supposed to be a 3 month process where I was to pay a trial period payment structured to what would be an affordable payment for my income (i.e. not more than 31% of my income). This seemed like a reasonable program to help keep me and many, many others stay in their homes and hoping that the economy would improve in the meantime.

Well, its been 15 months and until my last statement each and every other statement said that I was i on a trial period payment plan and that I was to keep paying that payment. This was also confirmed several times over that next year via phone conversations with B ob A's "call center." Now they say that I did not qualify because of this elusive NPV formula they use to check out one's eligibility? I don't get it. If I've been paying into this loan for 10 years now and want to stay in my home, doesn't that qualify me as a responsible homeowner/mortgage holder? I have a six year old son and am now renting half of my home because I've had an occasional work shortage (I remodel homes). Since I didn't qualify for the modification, B of A has cranked out a couple different "indications" as to what is happening with my loan.

One has been to send/call me threatening with foreclosure (since now my loan is apparently considered delinquent because of all the money I wasn't paying while on the trial period payment is now due because they didn't approve my modification). The other is that I am now up for a "second review" for an in-house modification and that foreclosure proceedings have not begun. I am determined to stay in this house that I have put everything into. I will stick with this until I get some resolution but I do feel that I'm running out of options and am not comfortable dealing with B of A on my own any longer.

On Saturday, September 04, I went into the Bank of America Sunrise Branch, to cash a check from my new employer, for $2750.00. The teller informed me, there would be no hold on the check, received manager approval, and cashed it instantly. I was puzzled why there was no hold, because when I first signed up with Bank of America, I was told if I brought in a check over $500.00, there would be a 2-3 hold until the funds were available.

Since then, what I was told has been true, until now. On Saturday, September 11th, I deposited into the ATM, two checks in the amount of $787.76. On Monday, September 13th, I went into the same branch to withdraw some money from my Checking account, from the checks I deposited on Saturday. These two checks from the County of Sacramento were still on hold. At this time, the teller (Aaron), mentioned my Savings account was overdrawn, due to the check B of A cashed on Sept 3rd, didn't clear. I asked him, "Why the check was cashed into my Savings account?" He was unable to answer the question, although he informed me lately, there has been many checks of this same amount going through the bank, and they are fraudulent checks.

He recommended that I go to the police which I did, but they were no help. On Thursday or Friday, September 16 or 17th, I went into the branch again, to talk to the manager (Scott) who initially approved the check for cashing. I explained to him my concerns with Bank of America not obliging with the holding policy, I was informed of when I first signed up. He responded, Since I am a good customer, the bank trusts the checks I bring in. This is considerate, although extremely biased, since all checks should be processed the same, especially one, in the amount of $2750.00. He requested reporting the incident to Bank of America fraud department, and provided me the telephone number. When I returned home, I looked at both my accounts online and I had $643.43 in my Checking and -$2,750.00 in my Savings.

On Tuesday, September 21, I received an email saying my Checking account is overdrawn, by $2170.36. I looked online at my Checking account and the overdrawn amount from my Savings account, had been switched to my Checking account, and cleared the $643.43 from my account. I immediately went into the same branch again, to find out why this occurred, without my permission. Lynsi ** and Christina ** (manager) looked into the history of my Savings account, and said, there is now no record of my Savings account ever being overdrawn, or the check being cashed into my Savings account. I explained to them how unhappy I was as a Bank of America customer, and I notified them I would be pursuing this further. I believe I have been lied to and taken advantage of by Bank of America.

I find it Bank of Americans fault for: First, cashing the check without a hold, especially since the bank was aware of fraudulent checks, of this same amount going through the bank, (lately), Second, switching the overdrawn amount from my Savings account to my Checking account, leaving me with nothing; and Thirdly, removing (or whatever action was taken) to vanish the history from my Savings account. I have a letter from Bank of America dated September 10th, which in fact states my Savings account is overdrawn, meaning the check was in fact cashed into my Savings account.

In addition, B of A is trying to justify not putting the $2750 check on hold, but yet, there was a hold on the other two checks totaling $787.67, from the County of Sacramento. I am completely dissatisfied with the ethics of Bank of America, towards me as a Customer, and I want the $643.43 returned to my Checking account, and the bank to take the lose for the $2750.

Last January or February, I called BAC about obtaining a loan modification. The rep told me I was pre-approved and that during the review process (approx 30 days) I should not make payments. In April I received a document and contract stating that I had been approved for a Home Saver program and if I accepted, to sign the contract and mail it back. The modification was for a repayment plan (of course for the payments they told me not to pay). It was to take the late payments and move them to a separate loan to be paid back starting October. I was to start making my original payments in May. I did everything that was asked.

I signed and returned documents and resumed my payments as of May. Around August I received a bill that stated I was delinquent on my mortgage. I called and was told not to worry that I had another traditional Modification being offered to me. I received the documents and this modification raised my mortgage by about $450/mo. I called and asked about the original modification and why it wasn't showing up. They said that there was no such contract. I called back a few days and spoke to a rep who found the original contract. She called that dept. and about 1 hour later, I was assured not to worry that the original modification was going to be honored and BAC would credit me late fees and fix my credit.

They transferred me to the negotiator for the traditional modification. She said she would hold onto the offer until the end of Sept. but said I should go with the original modification. I called numerous more times throughout Sept. to find out the status. Each time I was assured that the contract was valid and going to be honored and that it would be sent off to management to be accelerated. This past weekend I received a notice from an attorney representing Bank of America that they were going to start foreclosure proceedings.

I called the attorney and she too can see the contract as well as the documentation that I was told that the modification would be honored. We both called BAC and now I am being told that they are not going to honor the contract and they told her to proceed with the foreclosure. I have called the negotiator for the 2nd modification who has said she would hold onto the modification until the end of Sept. beginning of Oct. to ask her to send documents with the new dates. She will not return calls. As of now I am in limbo with BAC and stressed about my home. I am so stressed out that I can't sleep, eat, or deal with my day to day things. I spend every moment I am not at work on the phone trying to work this out. I do not know what else may happen but I may have to pay back an amount that I can't afford or lose my home.

I applied in July of 2009 for Loan Modification, the requested paper work was submitted and as of September 2009 my trial mortgage payments began. I was told verbally and in writing to allow upwards of 90 days for my financial status to be reviewed due to the volume of modifications currently being processed. And, as a result due to partial payments my credit would be affected. Needless to say, I agree and begun the process. There were preliminary interactions. I provided further documentation, etc. I also called diligently week to week, month to month to actively stay current. What was initially a 90-day process turned into 180 days and ultimately to 13 months.

I received a letter April 2010 stating I was approved for the modification and permanent documents would be in the mail 7-10 days. These papers never arrived. I have called Bank of America over and over being looped through a barge of departments (Making Home Affordable Dept., Retention Dept., Specialty for Permanent Mod. Dept., Exception Clearing Dept., Direct Advocacy Dept.) again and again to know current or accurate update. Some of the representatives are very pleasant but the system is broken.

Long story short, the way Bank of America handled this modification was atrocious. Institutions such as this live and breathe by an honor system. Lives depend on it. Customers follow through with their commitment and responsibilities in a diligent responsible fashion and are reprimanded when they do not and the Institution should be held to the same standard.

My recourse now put by the last representative I spoke to was to "short sell" my house or "liquidate" it; in other words, up root and take my kids and family to wherever and leave my home. Remember, I thought the purpose of this modification program was designed to keep families in their home and not uproot due to incompetent processes

These lenders need to be held accountable and speak openly for their short coming and not portray the lender as always the problem here. I am reaching out to whomever is listening: this did not have to happen this way. I am a hard working American who is not asking for a free ride at all, but to say you can help and then cause more damage is just unequivocally wrong. What can I do?

Bank of America closed my refinance loan after 4 months of fight. However, in these 4 months, I ended up in closing the loan with mere frustration and anger. I was promised in GFE that I would be given $4050 as a closing credit. However, I was given only $3837.38 as the closing credit. When I inquired about the situation to BOA home loan customer service, they said I have to talk to loan officer (Cynthia). Cynthia will never respond to her emails or phone calls and she would always be in a classified location with no customer access to her. I have sent multiple emails and made multiple phone calls/voice mail, but never received an answer. I am not given $500 preferred employer credit which they are supposed to give for all the preferred employers. Never work with Bank of America. They are cheaters. I totally lost about close to $1000 and my time spent on the refinance.

Payment lost in transfer of company, payment to TB&W, cleared account on Aug.11, 2009 and B of A has been harassing ever since. Nothing being done to help me in this situation completely beyond my control and credit is being trashed. Consumers with Bank of America: they say they are not reporting to credit bureau. But guess what? They are! That one missing payment has royally screwed my credit report! Check your report now! Check your credit report asap!

Contact the federal trade commission and occ! Very helpful! And contact your bank! Find out exactly what account the money was transferred to and if you used a check. Copy front and back! Call your attorney general's office and call B of A as often as possible. Make it known. Also local news stations! Let's get this taken care of! I've been dealing with it as long as you have. It's been over a year!

Consumers beware! My husband and I contacted BofA for a refinance in May. We fired BofA in July because we could never get answers. They are unresponsive to phone calls, e-mails. Finally in reaching out to their Presidents office we had contact and still no answers.

We found our loan was in underwriting with still no close date in site. We demanded our application fee returned. Remarkably we did receive. We chose to go with Amegy Bank and we already have a closing date, better rate and a fair market appraisal!

Listen anyone experiencing these prolonged, strung out problems with BofA, cut your losses and go to a local bank. I wish I would have read the blogs and complaints before we started the process with BofA. Our improvements would be done our bills consolidated without the nightmare and tactics being used. By the way BofA appraisers appraised our home $100k under comps. They are taking 6 months to close. 40 days better terms, real appraisal with home town bank.

Don't fall into the trap. Even if we had lost the application money to BofA, we saved 10's of thousands of dollars in interest. I will never do business with BofA again. They should have never been bailed out. Businesses go under for a reason and it generally stems from not taking care of business.

Bank of America and I entered into a modification agreement back in December 2009 and I was to pay trial payments for three months and I completely abided by my agreement and Bank of America did not. If I abided by their agreement then they would modify the mortgage and would correct all reporting to the credit bureaus. Instead, they reported me delinquent four months which affected my credit so bad where all credit card companies raised the interest rates and then caused me to file bankruptcy.

Now, ten months later, Bank of America is still playing games and still has not modified my mortgage but did admit that they incorrectly reported on my credit and would fix that within 45 days but all the damage is done. I have been screwed by Bank of America and I will be filing a lawsuit against them if something is not done or I will join one of the many class-action lawsuits against them.

Bank of America has made a real habit and a normal business practice to screw their customers and I am one of many.

After losing my job and then two months later coming down with cancer, this is not right and I pray that one day the president of the bank can live the hell I have lived the last three years and maybe he can wake up and see how he and his bank has screwed the same American people that bailed them out of bankruptcy. How is this being allowed to go on. I pulled up on the internet and there are over 1000 complaints just this year against Bank of America and nothing is being done except give them more of the taxpayer's money.

I have been forced in bankruptcy and if something is not done, I will end up losing my home to Bank of America's mismanagement of my account. I am living with severe stress over this and these greedy jerks could not care less. They will answer to a higher authority one day for all of the injustice they have dished out.

I have been trying to get a Home loan modification through Bank of America since Aug. 2009. I first started with the "making home affordable" program that Pres. Obama put in place to help keep families in their homes. I qualified for this program, in fact in May 2010 they told me I was approved and my paper work was going to under writing. This would have lowered my payment from $2,687 per month to $ $1,477 per month. Two weeks later, they told me I was denied the modification stating that I did not qualify and could not help me because I was not behind on my payments.

I filed an appeal and won, (what they call) "A Second Look" program and took me out of the making home affordable program. Even though I qualify for the "Making home affordable" program, they refuse to use this program to help me.

As of today, I still have not received any help from Bank of America, not even temporarily lowering my payments to what the modification amount would be. I'm getting help from my family to make ends meet. I really need this modification to stay in my home and I feel it's robbery what Bank of America is doing.

I have a checking account, which had a balance of $350.00. I responded to an ad for a mystery shopping job. The company paid me with a check of $1956.00, which I took to the bank. I took $1500.00 from the check to follow the instruction as per what the company asked me to do with their funds and left the difference at the bank. To my dismay, the check bounced or was a fraudulent one, and because of this, my account was depleted and the bank ran me in an overdraft of $1150.00. My contention is why did they allow this to happen. I did not know that the check had to be left for some days before it clears. I got the money so I thought that all was fine. Then I realized that I could not use my debit card. Then when I called, they told me that the check returned and nowhere can I find the people who gave me the check.

I am unemployed and has to pay back the $1150.00 and lose my $350.00 that was on the account because Bank of America did not put a hold on the check. When I asked why, they said to me that I am a good customer and that they offer good customer service to their customers (in this case I wish I was a bad customer). I opened an account with Wachovia Bank just to get at the fine print, and it clearly states that an amount equal to the check is held against your account for 5 working days before being cleared. Kudos to Wachovia Bank. People, please do not bank with Bank of America. Once you have an account, they do not protect their clients against scams and fraudulent activities.

I owed $172. I made a payment of $100, leaving a balance of $72, due by 9/21/20. The first page on the website confirmed the amount due and the date it was owed. However, when I clicked on the link(s) to make the $72 payment today, the web pages showed I still owed $172. To be fair, the 3rd page where I choose the amount to pay did give me an "other" payment option where I could type in $72.00, but people like my husband would have blindly paid what was on the screen, $172 (minimum about due). When I talked to the BA rep, it turns out that the two payment pages are actually linked to the current statement, rather than the first web page which has the up-to-date information. Therefore, people like my husband would have blindly paid the full $172 because that's what the screen states, rather than the actual amount owed of $72.

It is my belief that this simple programming fix has not been made because this little "mistake in programming" can get Bank of America more money in their pockets earlier than agreed.

The bank charges $35.00 for extended overdrawn accounts for more that 5 days. It does not make sense two me, two overdraft items were $9.00, so in 6 days, the bank charges me $35.00. This is 5 times just to secure itself for payments of $200.00 made on my behalf. Does that make any sense and any benefit to the clients?

On May22nd, I started to work with BofA on refinancing my home. After 90 days, I went to Quicken. BofA sent me Spanish only telephone numbers to call them about the issue. I don't speak Spanish, They also starting having their automated system call me daily to collection on accounts that are all current. They say they can't stop it.

I had to remind them to get the appraisal done and after a period of no contac,t I called to find out the status. They told me they were afraid to call me because they were going to have to lower the line of credit on the home. After I canceled the refinance with them, they sent me a letter denying the refinance as not eligible. Their automated system is hell to navigate. I will never do business with them again. I wrote the feds a letter and copied them. They should go under. They charged me $400 for the abuse.

Alexis called me, trying to reach my neighbor. When I asked if this was a bill collection, she said, "No, it's a personal call." Of course, when I called the number back, it's a B of A collection agency. Irregardless of her financial state, B of A has no right to call my home for my neighbor's collections. That is harassment. I told my neighbor's mother that B of A had given me a dubbing call. She is embarrassed and uncomfortable that her neighbors are pulled in her daughter's financial mess. I am uncomfortable being in someone else's mess. There has to be a limit to a company's collection procedures. And the involvement of a neighbor has to be outside the ethical boundaries.

I ordered an item on the internet that I did not know was in Canada. BOA charged me $2.66 for a foreign fee even though the funds did not need an exchange done, the amount I was charged the day I ordered it matched my statement. Customer service was contacted several times asking to remove the charge; they continually blamed it on the vendor/PayPal, stating they couldn't help and passed me from agent to agent. Each time I called, eventually got put on hold and the agent never returned to the line so I had to keep calling over and over. I finally was so furious that I closed my account, they didn't seem to care even though I have excellent credit and have given them a lot of business.

About an hour later, I realized that I didn't redeem my 3,691 points so I called them back. They said it was too late and I can't redeem them. I went to the local branch where I opened the card and talked to a manager. They called customer service, but no one would reverse the charge. As for the points, I guess they "need to think about whether they will let me redeem them or not". Terrible customer service and they really don't care when they lose a good customer who pays on time every month. They could have backed off the charge this one time and let me know if I did business with the same company again and the same thing happened, I would be on my own. Instead, they let me close the account for a disputed amount of $2.66. I realized that this is a very small amount of money, it is the principle. I don't like being take advantage of, ripped off or rudely treated. If they do not redeem my points, I will file a complaint with the Better Business Bureau in their area.

They closed my account because they said that something came through on Chex systems with my name on it. My pay check was directly deposited to Bank of America, they never notified me of the closure, I had to go without any money for over a week, then they told me that I had to wait 2weeks to a month to wait for my check on the remaining funds in the account. I called a week later and some one from risk management told me that my check would be mailed out on the 7th of September. When I called on the 7th to verify the funds were mailed, someone else told me it would be on the 10th of September. They proceeded to ask me whom I talked to because that information was not correct.

This wasn't the first time that information from one rep to another was wrong. when I called on the 2nd of September to check my available balance, they said that my account was due to be closed in 5 days and the phone rep said that my account was not yet closed and I could withdraw my money that was available. When I got to the bank, they told me that they could not access my account and I had to call risk management to get them to lift the hold so that they could release my funds. Certainly, they refused and was very rude to me.

I will never bank with them again. If I get any type of money, they will not get any consideration and I'm also considering legal action

Someone perpetrated fraudulent activity regarding my checking account. I have been trying to resolve this fiasco since early August 2010. Every time I go to the banking "center", I am told something different. Then the time before, I keep having to speak to many different people who do not give me correct information according to the next person I talk to. I have been waiting to receive $867.00 from my savings and the bank will not return it until the fraud claim is resolved! What a bunch of crap. I have no money and I was told on the 27th of August that I would be receiving a check in the mail and it would be automatically issued on September 2, 2010. Now I'm being told it will be sent to me on Oct. 1, 2010. This is unacceptable. I have been inconvenienced greatly with my time and money!

I absolutely have no money to help me with my daily living expenses. I live 56 miles from work. If they had not told me I was going to receive the check after the 2nd of September, I would not have paid the bills I did with my residual paycheck. I have spent over $1100 trying to close this account!

I refinanced my mortgage with Countrywide Homes loans in December 2008, reducing my monthly payment to $1500 monthly and adding 10 years to my original maturity date. Bank of America took over my loan in April 2009, and apparently did not accept the terms I had with Countrywide, as my mortgage was now $1800. Bank of America offered me a loan modification agreement to take my mortgage back down to $1500. I agreed and began the modification process.

Bank of America requested financial documents from me in October 2009, and again in May 2010. I have complied with and sent in all documents requested and paid the reduced amount for over a year. I am now being told by Bank of America as of August 2010, that I was denied for a loan modification, because they requested additional information in July 2010, that I never received, and that I owe $13,000 for the last seven months.

I have requested my payment history 3 times, in an effort to get some understanding, as to what they have done to me, to no avail. I have also requested information on how I could possibly owe this amount of money, and where the payments I have made are. Only to be told it has been applied to my account. None of this makes any sense to me.

I have tried to call on several occasions, to be placed on hold and then disconnected. After calling back, being told BofA is having problems with their phone systems, for over a year! Please, is there someone, somewhere that can assist me in getting this matter cleared and to really deal with the fraudulent practices of Bank of America? Bank of America has sent me a notice to accelerate.

My husband was out of work so we tried getting modified with BOA through a third party. Well in the meantime, we were told not to make our payments until the modification was approved, well we were denied. So we lost money we did not have, paying for the 3rd party to help us. So I called BOA and asked about the government modification that I kept hearing about. I gave them all the information. They told us to make a lower payment during the modification and not to worry and we will be approved.

It was supposed to take 3 months so I called on the 3rd month to see if I should make the lower payment. They said yes, because it is taking longer then they thought. Six months later, we got a letter saying we were denied and we owe $3860.00 that was the difference between the lower payment we were making and our mortgage, which went up $200 a month after getting denied the 1st modification. We do not have that kind of money. My husband is back to work but we are still trying to get caught up. Plus we have an equity and they told us the equity would be modified also. Now they are demanding money on that, or they will foreclose.

We are in a mess and I am trying to get refinances but with a low credit score, it is hard. This is not fair, they got money and they are supposed to help us but instead, we are going to be homeless and no one will help! We can't sleep, I am losing weight and I can't eat. I cry all the time and my husband yells all the time. It is so stressful. It is not fair and I don't know where to turn to.

I called Bank of America for a forbearance Program. I was on the phone with Bank Of America for 3hrs. I talked to 12 reps and 4 managers. I got nowhere. I advise them I had a family emergency that came up and I need help. No one could help me.

Bank of America electronically withdrew from my checking account $400.00 without my authorization. After repeated phone calls requesting the money be put back into my account, Bank of America has still not yet returned the $400.00. This has been ongoing for since August 9, 2010, 17 days as of this writing. Bank of America initially told me it would take no more than five days to return the money to my checking account.

Today, after yet another phone call to them, Bank of America informed me that it will be another 7 days before they could make the $400.00 credit into my checking account. Bank of America was able to withdraw the $400.00 in a matter of hours but somehow it takes over two weeks to return it.

Meanwhile, I've had to live off of $1.92. Not eating much and Bank of America knows this.

I forgot my pin number so I went to Bank of America on 8/25/10 to change my pin number. The manager claimed that he can't do it for me. He told me to call the 1-800 numbers on the back of the card. So I did, the costumer service on the phone told me they should change the pin number for me. FYI: To anyone banking at Donald Lynch Boulevard, Marlborough, MA 01752, do not ask the tall (manager) to help you. He is a **. They need to get rid of him because this was not the first time I have dealt with him. This man always gives me a hard time. The others worker, they treat me like a customer.

My husband purchased a van through Bank of America in April, 2007. Payments were automatically made through his Pen Air account. My husband passed away June 15, 2010. Bank of America's Deceased Unit was notified via phone by me that he had passed away. They were sent a copy of his death certificate. At that time, I informed the person I talked to I did not know if I would be able to keep the van as the payments were probably going to be more than I could afford and I did not know how much income I would have. A payment was withdrawn from his account on July 5, 2010.

I closed the account due to there not being sufficient funds in the account to pay August's payment which would have been withdrawn on August 5, 2010. I received a call on August 6, 2010 asking what I intended to do. I told the gentleman I was going to turn the car over to the nearest Bank of America facility the following week. This was done the following Tuesday, August 10, 2010 in Destin, Florida. I called Bank of America to verify that they knew about the turn-over and was told they had been notified.

I have tried to work with this company all that I can under the circumstances. I was informed by them they did not make any modifications to loans and would not work with me in any way. I made the comment "You would just as soon lose an account"? The response I got was "We can sell it at auction." Since that time, there has been a letter come addressed to my husband and stating he broke his promise. This letter comes from the Deceased Unit which one would think would show more compassion for the family than to send a nasty letter to a man who is no longer around. It was as though he had broken his promise because he had the audacity to die. No regard for the grieving family in any way. This company cares nothing about their customers and makes it clear. Other people have also formed their opinions as to how cold and uncaring this company is toward their customers.

The last couple of months, they have been stalling payments. They either take the money right away and it does not show up on your account or the payment sits there saying processing. BOA updates your bill with more interest from new charges after you've already paid then magically, your payment/s will appear after the new charges/interest.

Sent them a insurance check for property damage from state farm ins co that was made out to myself and Bank of America as first mortgage holder and Chase Bank as 2nd mortgage holder. After completing all necessary paper work and sending Bank of America the endorsed check they deposited the check into Bank of America acct and after 4 weeks they sent me a Bank of America check made out to myself and Chase Bank. Chase Bank won't endorse the check because they already have endorsed the check. I went to Bank of America and they tell me there's nothing they can do. Now I have a check from Bank of America for $4810.30 that I can't cash. What can I do? Bank of America has the money in their account which is not theirs bearing interest and I can't get the moey owed to me.

Our small business had an account with this bank for many years. On July 16, 2009, embezzlement by our former bookkeeper was first discovered --not by Bank of America and their fraud scanners but by my husband, Robert **. When the bookkeeper disappeared, he needed to pay mounting bills and asked for the statements in person at the branch. The statements showed multiple ATM withdrawals of cash, many made at a local casino! Bob had never used an ATM card for our small business and the employee who is now convicted of her crimes was not even a signer on the checking account! How then could the bank issue her this ATM card? We were never alerted by the bank regarding any unusual activity or change in pattern.

My husband was consoled by the bank employee that there is fraud protection and that he need not worry. Bank of America would credit the $37,548 for company use during this stressful time. That was a promise unfulfilled. On July 17th more was discovered to have been stolen, by unauthorized means of bank-to-bank transfers, bringing the total to more than $160,000 from this account since January of 2008. This bookkeeper, with Bank of Americas cooperation, was able to set herself up as a vendor and money was sent directly to her personal account. Even since this discovery, Bank of America has charged us thousands of dollars for overdrafts and NSF fees!

As might be imagined there are also many ancillary expenses caused by this crime. Our company had been with Bank of America for more than twenty years, yet when we inquired as to how the bank issued the bookkeeper an ATM card and password without our permission or knowledge, we (as well as the local police) were denied that information. Nevertheless in a letter dated Aug. 13, 2009 from Bank of America, the postscript states we are entitled to such documentation. We received the same run-around regarding the fraudulent electronic payments made to the bookkeeper using the bank account. Subsequent discussions with a CPA and an attorney both informed us that anything regarding this business account should be information available to the owner of the account, by law. However, promises from Bank of America remain unfulfilled!

Some individual or individuals at the bank is/are responsible for allowing this theft to occur. Not long ago, Discover Card contacted us on our cell phone because of a change in our spending pattern. This was just after our $50 purchase of gas in Arizona! This type of security technology has been successfully used for decades in financial institutions. How can a bank as large and as well known as Bank of America perform any less with our many thousands of hard-earned dollars?

As time goes by, our debt has increased particularly because of a Bank of America line of credit to cover overdrafts that turned into an extremely high interest loan. Even after months of paying down this debt, Bank of America was not willing to modify the horrendous interest rate, knowing full well our predicament and its causes.

In March, Bank of America issued a check for $11,140. However, no explanation for the small amount was given. When my husband asked for something in writing, the request was ignored! After a prolonged wait for a better response from the bank, we have closed our long standing account and found a bank with a better reputation in the area. Though the former bookkeeper was convicted and is in prison, this does not resolve the problem of Bank of America's gross negligence in handling our business funds and we are hopeful that with pressure, they will do the right thing.

Two withdrawals were deducted from my personal bank account from Bank of America for the same amount at different times; only one was supposed to be taken, I asked them why they would make this mistake. They told me that they don't see the 1st payment made so they take out the total amount due on the due date. This is a crime, I had zero balance and the card was paid in full at the time of deduction. I asked for my money back and cancelled my card; they are making me wait at least 10 business days for my money back. This is $164.17 that I need to pay my bills with that they took from me without me knowing. Please do something about this, thank you.

Because I happen to have a lot of money, I move it around frequently, electronically to other banks. I made a lot of electronic transfers during the month. BoA shut down my account on Friday, 8/13, and never told me this was done. I transferred money to another bank, only to have them call me and say the check "bounced". I said that wasn't possible, there was over $8,000 in my checking account. A phone call to BoA and they said I've had too many transfers (even though there was money) and they closed my account. They never notified me, never did a thing and of course, I had no way to know it was closed. When I called them, they said "they are the bank and can close an account at any time without reason or cause and do not have to notify you".

What total arrogance. I did nothing wrong, but actually moved money around and they now won't refund my money until they close the account in 15 days.

I recently noticed a $15/month fee for a "business suite" on my statements. The charge was hidden in a section outside of the normal checking transactions that I do review. The charge has existed for 16 months. Yes, I should have noticed earlier, but it was not in the regular transactions section that I do review monthly. Bank of America acknowledged that they made a mistake by charging the fee in the first place, but refused to refund my money. They said it's their policy to only refund 60 day's worth, regardless of whether it's their mistake.

One check over drafted for $80. There was $53 in the account. I was assessed $35 overdraft fee. However, they took 3 other pending charges made on the debit card (the money had already been taken from the account when these charges were made). They manipulated these 3 charges so that when the charge is finalized, there is no money in the account bc of the 1 overdraft. So that is 4 $35 fees. It didn't stop there. They then manipulated those $35 feels to be deducted from my account when there was money in there.

So now, they took 2 different pending charges (once again when these charges were made, there was money in there) But because they are rearranged the $35 fees to appear when there was money, the pending charges appear to have been made when there was no money. So that was 2 more $35 fees for a total of 6 $35 fees bc of 1 overdraft. It is obviously a scam. All they tell me is they can't change it. $210 deducted from my account bc of 1 overdraft. Please advice.

First off, I wish I had found this website before I ever banked with BOA. Bank of America has made mistakes on my accounts in the past costing me time and money to rectify. Last mistake was my federal tax check. I deposited it via ATM at my local branch in Roslindale, MA. Bank of America decided all of the sudden my name was not on the account, and that they would withdraw almost $10,000 without so much as a phone call or email informing me, then proceeded to send it to the wrong address and have a 10k check floating around for 1-2weeks via US mail. This caused a great amount of stress, bills to be late, having to borrow money to make my rent and almost cancelling my wife's trip to El Salvador to see her sick mother. I have been a customer since 1996, the name has changed 2-3 times if I remember correctly and I have a very good record with them as far as my finances go. This happened between May-June 2010.

Fast forward to August, my daughter's 5th birthday, in the mist of planning a party and a very busy week me and my wife overdraw our account, completely my fault, I do not deny this. The total overdraft was $200, there were 4 purchases total, one was a large one and 3 smaller ones. BOA charge me $35 four times, plus 2 $10 for overdraft protection totaling $160. Now I go from -200 to -360 because of charges. I thought calling BOA and talking to a supervisor and showing them how they had made such a serious error on May-June and me being understanding not asking for interest on my 10k check, or compensation for the time I spent calling them, the post office while I was trying to track down a ten thousand dollar check they sent to a wrong address, plus my past record and being a customer for almost 14 years would help relieve some of the overdraft fee's, nope, not one.

BOA can make as many errors as they want on your account with no repercussions, I asked to dispute it but instead when my next direct deposit went in they took $360 not giving me the chance to even pay it off over time, I am still playing catch up with bills because of this, times are tough. What happened to due process? This bank would be under water without our bailout funds and this is how they treat a 14 year customer?

I have used BOA online bill paying for years without problems. When paying bills this month, I needed to add another payee. When I entered the information and hit add, all of the amounts that I had entered for the other payee's disappeared. I re-entered the amounts and hit pay'. Warnings appeared that several of the payments could not be made because dual payments for the same amount were made on the same date. I waited 24 hours and checked to see if there were pending transactions on my checking account. There were none. I then called the BOA 800 number and could get only an automated voice. The status of my account was that I had the original amount and that there were no pending transactions on my account. I then reentered the amounts and paid my bills as normal.

Within 2 days, I started to receive emails from BOA that my account was overdrawn. I went to the local bank to get my account corrected. I was told that the $240 in fees will be removed and they would need a few days to make the corrections. Three days later and after several emails, I went back to the local bank. No corrections had been made and the overdraft fees were now $350. On my 4th trip to the bank, they were happy to tell me that they would remove one to the overdraft fees.

I told them to put a hold on any transactions to my checking account and to transfer the entire balance of my savings account into the checking account. There was enough to cover the overdrafts and fees with about $30 excess. When I checked my checking account status, it showed a negative $31 instead of a positive balance. As soon as I can stop, all automatic deposits and withdrawals from both accounts will be closed. I would advise anyone to never do business with BOA. Their customer service is terrible and their fees seem to border on fraud.

I urge that everyone who has ever been charged a Overdraft fee to send $35 cash to the CEO of BOF Brian T. M. Also I have been told by a employee of BOA that the Alert system they have in place is not reliable at all and people should not depend on it to let customers know their balance. I am happily mailing out an extra $35 to the CEO because it's pretty obvious that he needs the money more then I do. We are at the time where we get charged to use our own money.

I am a customer of Bank of America for about seven years now. I have, in that time, never been overdrawn on my checking account, with the exception of one time last year, due to a check being delayed in being processed.

I do online banking and operate on an alert system, due to my computer being hacked. I receive notification for withdrawals or payments over a certain amount. I also requested at the time of opening the account, that I would not want overdraft fees charged and that I needed the bank to deny payment on my debit/credit card should I not have the funds in the account.

I also know that the bank usually sends notification by mail should the account be overdrawn, as an extra warning. My account became overdrawn on the 26th of this month, due to my pet plan insurance company billing me two months instead of one. This resulted in a cycle of events that has seen Bank of America take almost six hundred dollars in overdraft fees from my account. I used my debit card for small payments such as a rental movie for $1.05, a cup of coffee, etc. Each time I used the card, it was accepted. I received no warning nor was what I requested carried out. I was charged thirty five dollars for every transaction over the amount. Despite putting in my child support check for eight hundred dollars on the 29th, they took most of that amount in fees and then overdrew my account again, in overdraft fees!

For small withdrawals of between one and five dollars, I was charged fifteen times a fee of thirty five dollars. Even with funds in there, it swallowed up all the money and then incoming bills overdrew me again. It is a carefully executed cycle of no win.

I spoke with a total of four customer service reps, including a supervisor and a manager and none of them would waive anything more than one thirty five dollar charge, on the huge amount of almost six hundred. Firstly, I didn't receive notification. Secondly, I expected the bank to deny the charges if there wasn't money and thirdly, I received no online alerts either. It was as if though it suited Bank of America to keep these facts to themselves so that they could take the contents of my account.

The result is the cycle has begun all over. I am a single mother and depend heavily on my child support deposits. It is only the third of the month and BOA has already drained the only resources I have until the fifteenth. Any charges made since then will be charged an overdraft again and I have no back up credit card or any other card to tide me over. The fact that I took the issue public to twitter and Facebook, did not phase them in the least. The fact that I told them I would close my account didn't bother them either. I got a stone wall all the way, flat out denial that I had requested a no overdraft policy and that they had failed to notify me.

I have never had issues with this account, have a good track record and took the time out of the day - hours on the phone and online to try and get them to meet me halfway and to no avail whatsoever. That to me, is bad service, bad policy and plain greed. I have written to several forums in the hope of gaining their attention, but I doubt that anything will be done. It is unfair to decent, hardworking citizens who do not have huge amounts of money in their accounts to have these charges without some notification from the bank. Please publish this complaint in the hope that my voice can be heard along with thousands of other customers who have been ripped off like I was. Thank you.

I removed my overdraft protection on my account,yet they charged me a fee because some company is attempting to charge my account but I had no funds. Yet they still charged 3 overdraft fees and I did not pay them regardless.

During the past couple of months, Bank of America has been using predatory collection practices consisting of calling my cell phone repeatedly. I do not have a loan with Bank of America. When I answer the call, a computer puts me on indefinite hold. Sometimes, they will call me every 5 minutes and I am forced to turn off the power to my phone. After thousands of calls, I was actually able to speak to a human named "Les". He explained that they were a collection agency and were trying to collect on a delinquent mortgage. I told him that I did not have a Bank of America loan. I asked if I could speak to his manager and he hung up on me.

I have alerted my business associates, neighbors, and family about Bank of America's predatory loan collection practices on people who don't have loans.

Never get a loan with Bank of America. I believe Bank of America is trying to coerce or force innocent people into paying for loans that they don't have. Bank of America has such a deep level of greed that they have resorted to preying on anybody they can find. Bank of America ties up my cell phone line. They interrupt my employment by calling me repetitively during work hours. I have been forced to turn off power to my phone. I am paying for a cell phone service that is useless since Bank of America ties up the line. My business and family associates cannot contact me on my cell phone.

I have all the records; there are no late payments. I paid Jan 1,2010 on 12/10 2009 and they applied it to principle. We received a late notice in February and corrected the simple problem. Received another late notice in July, Spoke to Sam in India, Ken W., Tariq in America, Sreyna in India. No one can correct the problem. Ken and American Tariq said they would call me back, problem resolved, no one called back. They reversed all payments since January back to late because they re-applied January's Payment back to principle and then reversed all ensuing payments which in turn resulted in them being classified as late and incurring late fees.

I have spent over 8 hours over the last week and a half trying to resolve. Everyone on the phone understands. No one calls back when they say they will. Tonight I received a call from a debt collector, not sure if that means there is damage to my credit but I work 60 plus hours a week, and to spend my evenings spinning my wheels and getting calls from debt collectors is too much. Instead of admitting these errors, they are trying to intimidate us. All of what I say can be proven. We bank with these bloodsuckers and all the payments are recorded and we have the bill payment records. Any advice would be appreciated.

Took rolled and wrapped coins into the bank around 10:55 am on Saturday. Bank was not busy. Teller did not want to receive. Asked me if I had an account with BOA. I said yes-my mortgage. She asked if I had checking or savings also with BOA and I said yes. She then asked if I had debit card with BOA. I said yes, but not with me. By this time I was getting irritated and asked if she had a problem taking the coins I had prepared. She said we don't take them unless you have an account.

I asked why and she said it costs us money to process them and we have another source. I said, "I've never heard that before." She said, you would be surprised what you don't know if you don't work in the banking business. She gave me my cash but was totally rude. What would a ten year old child do with rolled coins from a lemonade stand.

Can BOA refuse to cash in coins if I did not have an account? Was treated rudely and with total disrespect even though I've been a loyal customer of Bank of America for nearly ten years. It is not my primary bank and never will be with this treatment.

Almost two years ago, Bank of America used North Star Location services in New York to collect on a bad debt for a customer who had the same name as my husband and lived in the same state. After they called my 72-year old mother-in-law to ask her how to get in touch with my husband, they harassed her to the point that they told her she was **.

I called them to put a stop to it. They told me that I was a bad mother and needed to get off the phone, leave my dead beat husband, and take care of my kids. (My baby was crying in the background.)

They then called my husband who left work to handle it in person with the only Bank of America branch he has ever dealt with. The branch manager called North Star Location Services to tell them they had the wrong man, but things continued to spiral out of control within the next few weeks.

We pulled my husband's credit reports and found a lot of cross reporting with this other man. I strongly suspected that Bank of America was behind the problem since that was the only business with which the real debtor and my husband had an account.

We disputed all the incorrect information with the three credit bureaus. Yet, Bank of America sent us letters saying they had been notified by Transunion about our bankruptcy. We have never filed for bankruptcy, and when I immediately requested a copy of my husband's Transunion credit report, everything was fine.

Bank of America immediately sent us a letter apologizing for the inaccuracy, however, within days, my mortgage company and the company we had our truck loan through contacted us about our supposed bankruptcy. Many hours were spent proving our identity with all three credit bureaus, and everyone listed on the credit reports that we did and did not have credit through.

We put freezes on everyone's credit in the house, disputed all inaccuracies with the bureaus, and we closed our savings and checking accounts and our credit card with Bank of America. The last credit reports we pulled were totally correct.

That was almost two years ago. Recently, we wanted to refinance our house and lifted the freezes on our credit to do so. Immediately, my mother-in-law was called by Bank of America, and though our credit reports were great with scores of the upper 700s and lower 800s, my loan officer asked me about a "judgment pending" on my mortgage. She could see no reason why there had been such a thing as our account has always been paid on time and is in good standing. She said that she needed to get my mortgage company and Bank of America on the phone.

I hit the roof. Why would we ever need to talk to Bank of America? My mortgage company says, they have no idea what is going on because my account really is in good standing and always has been. Bank of America claims that they have no idea what the problem could be because they show nothing on my husband as every account that he or I have ever had was in good standing and is currently closed.

What the heck is going on? I pulled all six credit reports before we lifted the credit freezes, and they were completely correct. We are honest, hardworking people who pay our bills on time and do not live above our means. I could lower my interest rate on this mortgage refinance by %2.65 if Bank of America doesn't ruin it with their incompetent and inaccurate reporting. I am already $400 out of pocket for the appraisal. Bank of America needs to be smacked with a class action lawsuit!

The bank closed our account in February 2010. I had about $5700 in my checking account and about $480 in my savings account. This money is not refund to me. I visited many times in the SeaTac branch where I open my account complaining over the money. No answer from the bank. Then they reopen my account in April without money and zero balance, and my husband deposited about $800 and they closed it again without any refund of the new balance. We tried to contact their customer service; they told me they will call back but no word from them.

I visit the local branch almost every week to get my money back but no result. The branch staff has no convincing answer why they keep our money. When I asked if there is any other institution where I can complain or is there any complain forms from the State, Federal government or consumer protection agencies, they told me there is no such thing. Wait from us even if it takes years.

I am a Bank Of America customer who used my BoA debit card to pay and sign up with a local fitness center. The center had allowed me to pay my balance in full by the following month. However, their computer system had taken out the payment 3 weeks in advanced. This caused a hold of funds on my checking account. So I contacted Bank of America and they told that if I contact the fitness center and have them call the bank, they would release the hold. I did one better. I went in person to the fitness center, spoke with their manager, who in turn immediately called BofA in my very presence, explained the error and requested of them to release the hold.

So the rep at BofA did. However, 3 days later, my account was over-drafted $171.00 because they claimed that the fitness center did not put the release through in time and it charged. Excuse me, I said they put it in 3 days ago! You see, even though BofA knew the fitness center and Visa had released the money, they held it in their banking system just so they could levy 2 fees on me! I spoke with a.total of 10 customer service reps in 2 days, 6 of which have misinformed me, another 3 who blatantly admitted the fault was of the bank and that yes, they do see that both the fitness center and visa have released the funds back into my account, yet they still, to this writing, have not removed any of the overdraft fees or the funds, my funds,my money, back into my friggin' account!

And this is coming from the same bank who went begging to the U.S. Government for tarp money from my friggin' taxes! And now they are trying to take from me again! I will be walking into their god-forsaken branch tomorrow with a smile from ear-to-ear to close my account. And mind you...I have only been a customer for 60 days! Bank Of America will go bankrupt again and shut down. Mark my words, people. Keep your money away from their grimy hands and do business with a company that is noteworthy! Chase bank, here I come!

I get getting charged overdraft fees though it's not my fault. The bank placed a hold on my check which has happened before. I complained and the fund was returned to my account. Now, the bank is refusing to. It seems as they are picking on my account.

I gave a check to someone on July 14th 2010, thinking that I could move the money to cover it the next morning when I would have internet access. They deposited it immediately and the money was withdrawn from my account before I was able to make the transfer, resulting in four other items over drafting and $140 in fees, $35 per item. Bank of America returned one item, leaving me out of $105 after fifteen years as their customer. This comes at a time when $100 makes a huge difference, a week of groceries and gas for my family of three. It was unbelievable. More so, they told me that had I post-dated the check to the next day, had the recipient deposited it the same day, they still would have credited it and the same result would have happened.

I am changing my bank immediately but I sincerely hope that this complain forum has some effect on this matter, though I don't know what. I have lost $105 in bank fees and will have to delay bill payments, tax payments, etc. to manage as a result.

Went to make good on a overdraft charge got to bank 10 minutes before closing. I was told we are closing for today, told person at the door I had called ahead to fix overdraft problem said no problem come on got to bank denied entry Why?

They wanted that overdraft fee $35.00 plus the $35.00 they already had charge me. BOA is all about taking your money and giving anything in return.Wrote a letter to Corporate have not gotten a word in return from them.Call nobody will talk to me about this. Need your help and I think they need to return me $35.00

I would like to notify you of unethical and illegal business practices being done by Bank of America.

I recently incurred several overdraft fees on my account. However, after doing a little research, I discovered that Bank of America is processing charges in a way to maximize the amount of overdraft fees that they charge. What is happening is that they are not processing charges in the order that they occurred. Instead, they process the largest charge first which causes all the smaller charges to be an overdraft.

In my case, I clearly made several small debit card transactions first. Then I had to withdraw some money from an ATM due to an emergency. I knew the ATM withdrawal was going to overdraft my account ant that I would be charged a fee. When I checked my account, I saw that they took out the ATM withdrawal first which caused all the other smaller debit card transactions to become overdrafts. So instead of one $35 fee, I was charged this fee 4 times for a total of $140 worth of fees. Had they processed the payments in the order that they occurred, I would have only been charged one overdraft fee.

I feel that this is unethical and illegal. They are manipulating the transactions in a way that generates more fees for them. This has happened several times on my account and I am sick of paying these extra fees. Can anything be done about this? I cannot fight Bank of America myself and need your help.

I have been banking with Bank of America for over 5 years now and I was under the impression that they at least had some idea about customer service and customer appreciation. Bank of America is nothing but a big scam hiding behind the banking industry. They say they are the bank of opportunity and they do make every effort to make profit out of every customer. They take opportunities away from us by charging excessive overdraft fees as they see fit. I have been hit with so many overdraft item fees because they process their transactions in an effort to maximize the fees.

I have two checking accounts with BOA and on July 9th, I made a purchase of $150.00 from one account and I immediately did a transfer to cover my purchase. However, BOA did not post my transfer until July 12th and they hit me with two overdraft item fees. On the next account, I had transactions that were pending from the 8th and 9th for $2.25 and $8.00 and $5.00. There was enough money in the account to cover these charges. However, they posted two checks for $150.00 before they posted these transactions causing me to incur 4 overdraft fees totaling to $140.00.

So because BOA doesn't post their transactions on the day they take place, I am now left to pay $210.00 in overdraft fees, which they refuse to reverse any. I closed one account and as soon as my outstanding check is cleared, I will be closing the other one and taking my business elsewhere. I have put up with their ** for too long and they are not loyal to me so my loyalty is out the door. There should be some tougher regulations for banks like these who take advantage of their customers.

On 07/07/2010, I walked into BofA San Francisco's main branch on Montgomery Street and made a payment of $290.00 for a routine BofA credit card payment. On 07/08/2010, without my authorization, BofA withdrew another $290.00 from my checking account. This crashed my finances and I am totally broke. After numerous calls to BofA customer service, there have been no results. Two of the people I spoke to said the money would be refunded to my checking account in 24 hoursthis was 34 hours ago. On many calls, they would pass me to another department and the line would go dead.

As far as I am concerned, what they did is theft. I have no money in checking and I'm flat broke with numerous overdrafts happening. They basically "nuked" my finances. Not only do I want the $290.00 back, but because of this and other hardships resulting from this, I am also going to ask for a minimum $29,000 to cover any legal fees and other damages resulting from damaged credit.

I just have to voice that it is horrible how BoA's Risk Department treats people. The worst one of all was a man named Lorenzo. I was trying to explain to them the circumstances behind the overdrafts on my account. I asked two questions, one was once the account was closed what happens to the two direct deposits that goes into the account at the end of the month (June 30) and the 1st of the month (July 1), one for $1460 and another for $765? Lorenzo, told me that he didn't know. It may or may not post on the account and that they would mail a certified check out to me 10 days from the same day I spoke with them, which was June 25, 2010. (Which should have roughly been July 6th, due to the holidays. )

So, asked a second question, since they are the risk department and had the power to shut down the account (and my other accounts that didn't have anything to do with the 1st), can he make sure that it at least stays open to receive those direct deposits because it has been already processed from my employers end and the VA has already processed it too? I didn't want over $2k to be in limbo within the mail system. He raised his voice, talked over me as he said that he has already answered all my questions then hung up on me. It was at that moment that I was so grateful that only God can see everything and that He has allowed all this to take place over the phone, because God knows if I knew what this person looked like (like if it happened at a branch) only He knows what I would have done out of anger.

Went to the bank, they couldn't help. A bank manager looked at me as if I was a criminal when half of the NSF charges was their fault. (Posting incorrect balances, when in fact you have less) Then they have the audacity to charge another $35 on top of the NSF fees they already charged, for your account being in the negative for over 5 days. Back to Risk...prior to this fiasco, I had already been waiting over two weeks to get any money. I needed food for my children. I needed to get the gas turned back on in my house, and gas for my car.

I called them back two days later if they would release at least $250 from my account and I am willing to wait for a cashier's check on the rest. I just have to get food on my table, gas in my car and gas in my home until either the cashiers check comes. They adamantly refused to help. They refused to help me with my own money! As of today, July 8th, 2010, my account is still open with now just $1400 in it, the other $600 paid for the NSF charges that it was in at the beginning of this whole crap, just called them, and now they are saying between the 15th and the 19th of July; wherein another direct deposit may or may not make it into the account. That's a whole month that I have been without for my kids.

These people act like they are better than others the way they talk to people--the same people that was paying for the food on their table, roof over their heads, and shelter on their backs. God forbid they have kids too because you sow what you reap. God have mercy on the risk department and those on top who makes these regulations with the premise to make themselves rich by taking advantage of the everyday consumer and the politicians that keep them in business.

My account is charged over $500 a month in late fees, extended late fees, and various other charges. I do not authorize automatic payments, and they accepted charges. I have a $35 Vonage and insurance for $30 from Bank of America that come in, but the bank monitors my charges. And as soon as I make a purchase, they apply the Bank of America charge and Vonage, and then, they charge these fees.

I get paid $1223.90. This pay period, I was trying to pay my mortgage of $1100. They took out over $300 which means I cannot pay my mortgage. I feel this is a direct pursuit by the bank to make me go in to foreclosure. I have asked them to stop charging me these fees. I have monitored the account, and I do not feel like this is a good banking practice. They are targeting me to lose my home.

Bank of America closes accounts without placing waivers so that the accounts incur monthly maintenance fees when the customers think that the accounts are closed. They don't notice this until a year later when the accounts are already overdrawn by $250. That's a straight-up scam. I was a former employee fired because I was accused of hanging up on customers which was untrue and now I'm pursuing legal advice.

I was awaiting my transactions with Bank of America to go through all the weekend of July 2nd. I made several purchases and had funds to cover them. The transactions were awaiting to be processed July 3rd, 4th, 5th, and 6th. I checked my account on the 7th, Bank of America pushed a transaction for a check in the amount of $650 causing me not to have the funds for my previous transactions and having four overdraft fees. I tried to get the fees reversed and they told me they were already on the account. This is not the first time this has happened and I am tired of them doing this to me. My account was negative and I did not have the funds to cover any of the overdraft fees.

I recently learned that for the past 14 years, Bank of America Merchant Services, in the course of processing our credit card transactions, had been charging my company a $10 monthly equipment lease fee for a credit card swiper we were not leasing. In fact, we owned the machine all those years, and BA Merchant Services' records confirmed this fact. However, when I asked them to rectify this situation financially, the best they could do, after much pushing on my part, was to offer me one year's reimbursement of $120. What an insult to my value as a customer!

Once again, company policy takes precedence over honest-to-goodness customer service. Corporate greed supersedes a mere $1789 (including sales tax) goodwill effort towards the customer to do the right thing. Illegal or merely unethical? Regardless, this is entirely unacceptable in so many ways. Apparently, according to the all-powerful, all-encompassing, all-responsibility-null-and-void company policy, I missed my chance to correct BA Merchant Services' billing oversight approximately 13 years and 10 months ago, or within 60 days of when their fraud began. Yes, fraud. Since when has it become legal in this country to charge someone for a product that was never provided?

Sure, BA Merchant Services claims it was not aware of this $1789 billing oversight. And of course they agreed to stop charging me. But what upsets me the most is that they don't care enough to take the extra step to make it right, admit accountability, and reimburse me for 14 years of dishonesty. You see, according to them, it was my responsibility to make sure they were charging me correctly. I suppose it was also up to me to go over every single credit card transaction they processed with a fine-toothed comb to make sure they'd given me the proper discount rate. Have you ever tried to do that?

In fact, shame on me, I trusted BA Merchant Services to do its job, and to do it correctly. After all, this was why I was paying them every month, right? Without a doubt, my business' 14-year, $1789 billing error is small change for one of the largest banks in the world. They could easily reimburse my company without feeling a thing. But what if they admitted their culpability and had to reimburse thousands, possibly hundreds of thousands, of other businesses who were knowingly or unknowingly victims of similar billing errors? Then what? A class action suit? More bad press? Billions lost in bonuses? Do I care?

Obviously, and for many reasons beyond what I've described, corporate America doesn't care about its customers. This isn't a new revelation by any means. In fact, we're even getting used to the apathy: the customer is never right, and the bottom line is all that matters. Here's my bottom line: a company policy should not absolve that company from the responsibility to do the right thing. Bank of America made a mistake, admitted it made a mistake, was given the chance to correct the mistake, and refused. Frankly, I'd have been surprised if they'd acted any other way.

Where do we draw the line between indifference and downright shady, unethical business practices? It's so hard to tell, especially when the corporate marketing gurus develop and espouse their lofty Codes of Ethics and Core Values, when in actuality the front line employees who deal directly with their customers aren't educated and empowered enough to follow it through. Just take a look at two of the five "Bank of America Core Values" which can be found on its website (after much searching, I might add). "Do the Right Thing: We have the responsibility to do the right thing for our customers, shareholders, communities and one another. Trusting and Teamwork: We succeed together, taking collective responsibility for our customers' satisfaction. "

Brian T. M., CEO and President of Bank of America, further states in his cover letter of its 19-page Code of Ethics (also found on its website), "With this honor comes a responsibility for ethical behavior in everything we do. " "The code, which is based on our company's core values, spells out our shared commitment to the highest standards of conduct. " "Trust is at the heart of what we do. Our customers and clients want to know they are doing business with a financial services company that they can trust; that all our associates will treat them fairly, communicate forthrightly, and make clear, honest and ethical decisions. Trust is crucial to the value we provide our customers, and it's fully expressed through the combination of our Core Values and our Code of Ethics. "

Trust might be "expressed" on paper, but what about in practice? Bank of America will never win my trust again. But it does have the chance to act honorably to right a wrong, to act fairly, honestly and ethically by admitting it made a mistake and reimbursing me for 14 years of inaccurate billing.

I have two checking accounts with BOA. I use one account for direct deposit and bill pay and the other account for vacations and spending money. I keep a $10,000.00 average on the direct deposit account and to the other account that I just opened, I put $87,000.00 in it last December. I have never had a maintenance fee on any of my accounts. I have several other banks I use also. I got a maintenance fee of $12.00 because I spent the money in it and haven't gone to one of my other accounts and deposited any money in it yet. I went into to BOA to see if they can waive the fee and transfer money from my other checking account to cover the minimum. They told me that I had to have someone review my accounts and get back with me.

It took four days for Ryan ** to call me and he told me that I had to come into the bank and discuss my accounts. I work in a courtroom and don't have that luxury of just coming in. He told me to come after work on Friday and they are open until 6:00 pm. I live one hour from work and that's not an option on a Friday. I asked him why I had to come into the bank and meet with him. Ryan told me that he had "tools to utilize" for our meeting. I felt like he was trying to sell me something.

I explained my whole situation with him just wanting the maintenance fee waived and transferring money or close the account because this was getting too complicated. I will just use another one of my banks for my spending money. He told me that the account was going to remain open and the maintenance fee was going to be in place until I meet with him. This is crazy! I told him that I could not care less about $12 but I didn't want anything to be against my good credit. I have never had a bad check or mark against my credit. My credit score is 860!

I asked him who his superior was and was given Shirley **. I called her and she already had an attitude. Shirley told me the same thing as Ryan and I had to come into the bank to close the account. Waiving the maintenance fee was not an option. This is stupid. This is the second time I've had negative customer service from this bank. I came into BOA to finance a new home and got mad with them about their customer service and financed with another bank. This is the only reason I'm writing this letter. I could not care less about $12.00.

I've been with BOA for about 25 years. This bank needs to be educated about customer service. I don't deserved to be instructed on my personal bank accounts. Plus, they wanted to know all about my other accounts and how I spend my money--like how much money I have. Just an FYI, I won the FL Lottery and that's no one's business but my own. I called today and got someone on the phone that waived all the fees and transferred money into that account. Wow, just like what I wanted in the first place--and it was done without going into the bank and in a matter of minutes. Please get some help to that Downtown bank. They don't know how to deal with people and getting them good customer service!

There was another maintenance fee on top of the other one I didn't know about. I had no idea there was a $750.00 minimum on checking accounts. Easy mistake to have when I never get that low. Like I said, this was an account for vacations and spending money.

Does anyone regulate Bank of America? On May 28 2010, a tree fell on our house. This caused an enormous amount of damage. Our insurance company was prompt and processed our claim in a quick and efficient manner. The check had to be processed through our mortgage company, sadly, this is Bank of America. We are now 5 weeks since the back of our house was crushed and have not seen one penny of OUR insurance money.

Here are the various answers I have been give via BOA ever so friendly but useless customer service department. 1. Send us the estimate from you adjuster, it will be two weeks from the receipt of this info before you get your first money. That was sent about 3 .5 weeks ago. 2. we have your estimate and are setting up the account, but must go thru IRS also. 3.Okay we have your check in hand. But, must set up your account 7 to 10 days. Check rec'd by BOA of America on June 15 2010. We will overnight your funds. 4. Called again. Still processing.

5. Called again, check went out regular mail on June 24 2010. Sorry no notation that overnight mail was requested. Still not funds rec'd. 6. Call today; your check was mailed on June 25 2010. Still no check in mail as of June 30 2010.

I requested again today, PLEASE overnight future funds. Okay will ask supervisor if it is ok will note that on account. I expect to call again only to be told there was an error and the check was not mailed but, will be mailed regular mail asap. THIS IS not right! We are out of pocket more than $15,000 and the roofer is still awaiting payment. It is our money we pay the insurance company Bank of America is using our funds and they are not out a dime! Bank of America is obviously pushing the regulations to the very maximum allowed by law. How do WE get a bailout?

We are home builders ourselves and are already struggling to stay afloat! Will you please help us get our money? This should not happen to anyone now or in the future. Thank you for any help you can give us. We can not pay our own bills because we have so much money tied up in our house repairs!

June 16, 2010. clicked 1,200 as electronic transfer to savings acct at USAA Savings. Money deducted from acct.

June 17, 2010. USAA reports only 700 dollars received.

American Express pulled automatically 5.95$ from my Bank of America debit account where I had 3$ only and it resulted 169$ overdraft fee charged by Bank of America. The day will come, I will charge 100,000 dollars from Bank of America - I will never return it. I am positive. Bank of america is rip-off.

I've been a customer of BofA since 1983. I left the back in late 70s to go with Security Pacific when BofA lost $100 of mine and as soon as it was found I left. I was happy with Security Pacific but unfortunately the bank lost money and BofA took over and again I was back with Bank of America but not by choice.

The first few years I didn't have any problems. However in the last 3 years the service has gone down considerably. Even more so now that we are in a recession. I was laid off from my job Sept. 2008 due to the failed economy. I was given a large check to as part of my severance. It was then for the first time I noticed BofA taking monies without my authority and unwarranted. In fact it appears they held the $15,000 check just so they could charge me $35 non sufficient funds. The funds were there in the bank but instead of applying the funds they held the check and charged me instead. It took fussing and 3 separate calls to get the 7 $35 charges reversed. Actually they only reversed 5 of the 7.

After that I started watching my account more closely. I started seeing duplicate charges for things and would call customer service to report the duplicate charges and each time the Customer Service Rep. would tell me that it wasn't a duplicate just that it glitch in the system and that the monies had not been deducted from the account and to ignore. I trusted they know better than me and let it go but then on November 17, 2009, I received an email from BofA that there had been some unusual activity on my account. Someone had charged $433.00 to one clothing store and another $755.00 to Abercombie.

First of all, I've never spent that much on clothes at one time and never shopped at the stores mentioned. I called the back and confirmed that these were charges I didn't make so the CSR (customer service rep) walked me through getting a new debit card and said that they'd get it out right away and that the monies would be returned within the next couple of days. He also mentioned that there was another $800 that was pending and asked to cancel the transaction but he told me that they have to wait for the transaction to go through before they can react. The $433 & $755 had go through & those could be returned to my account but we'd have to wait on the $800. So he issued me another debit card and we discarded the previous one and he told me that he would take care of the rest for me.

Well a week went by and the monies had not be returned to my account so I called to speak with a CSR. This time it was a lady CSR. She apologied for any inconvenience & said she'd be happy to assist me (she was very nice as was the guy that helped me earlier on that week). She said she didn't know why the monies had not been returned to my account but that she could see that they should have been on her screen and ensured me that they would definitely be returned the next day. It's now the end of Nov. 09. I gave it another few days and went about my business as usual. Do you know come December 12, 2009 they money still had not been returned to my account. I called and spoke yet again to another CSR. Do you know she had the audacity to tell me she doesn't see the transaction I'm referring to and that she can't assist me but to call back in the day and speak directly to someone from the branch. Well I call the next day trying to figure out what's going on and no one seems to be able to see the monies all of a sudden.

Now the first 2 CSRs saw that the monies had been taken out of my account and saw the email I had gotten and told me that the monies would be returned in days but now the transaction had vanished altogether but yet they can see I was issued another debit card in Nov. 09. Strange right. In the interim, my funds were low because the monies hadn't been returned to my account and therefore a domino effect happened were I was getting NSF fees because they had taken all the monies from my savings to cover some of the checks I wrote out for bills and the monies hadn't been returned to cover the bills. I had another acct with BofA so I transferred funds 3 times to avoid any additional NSF fees. They used over $2,000 of my money for NSF fees claiming I was so far behind because of the NSF fees. They refused to return any of the monies and when I tried to discuss how this came to pass the CSR acted as though I was making up the story and pretty much brushed me off. I wrote 4 emails, 2 letters and made several calls. It's now June 2010 and todate my monies have not been returned and just recently even though I transferred within the last 4 months over $4,000 I'm in the hole because they continue to hold the monies and charge me numerous $35 charges for NSF. How is it possible to charge me when you have the funds and they are from the same bank & branch. They could acrually walk the money ove but instead they held onto the funds charged me non-sufficient funds over 13 times.

I asked to speak to an account specialist although I had already put in a request a month prior for someone to go through my account activities one by one to see all the duplicate charges, the monies held which made my account generate the NSFs and the funds I never got back in Nov. 09. Nothing has changed and now to date I have $0 in the bank. I won't even deposit anymore monies until they fix this. I opened an account with a credit union and will never go back to BofA even if they are the last bank in the nation. I'd put my monies in an Eagle's nest before I'd give it to BofA. I plan to fight to get my money returned but once I do I'm going to take it out of the BofA and put in into the Credit Union.

This is just ridculous. You expect to have to watch your back for ID thieves. You don't expect the thieves to be your bank. You'd think they'd really want to protect you but it appears they only want to protect your money just long enough so they can rip it right from under your feet theirselves. It's definitely a sad sad day when you can't trust your own bank that you've had for over 20 years. But the trust is you can't so if you have BofA I advise you to go through your account with a fine toothed comb and I bet you'll find descrepancies of somesort if you do. Good luck and watch your back at BofA. It has destroyed my funds and my faith in the bank system. I'll never trust BofA again and I've been a customer for over 20 years.

Today I took my paycheck, written from a Bank of America account, to my local Bank of America branch. In the past, when requesting a teller 'cash' my check then deposit it -so funds would be available THAT day- they have repeatedly deposited it as a check, leaving the funds to clear the next day. The bank manager actually told me I should make the teller HAND ME THE CASH then deposit it. Sigh. The teller nameplates may as well state 'Simpleton' on them. Okay, fine. There are two offending idiots I refuse to even use now when I go in.

Today I clearly explained to the teller to CASH my Bank of America paycheck. While she was processing it, I told her I wanted to put $300 in cash-I specified this- in my checking and take the rest with me. My daughter and I have birthdays this week so I was treating us to Chili's take out for dinner. She took my debit card and it was declined. The manager at Chili's stated we were the 5th Bank of America customer who had been unable to use their card after depositing funds today. So my daughter paid cash. MONEY THAT SHOULD HAVE BEEN AVAILABLE ON MY CARD. I tried to pay a bill online later in the evening and...again...declined.

Looking at my account online I could see a deposit for the $300 stating it would be available TOMORROW. I've never seen that particular transaction description on my account. Even when the tellers were depositing as checks in error it was a different notation. So I called customer service. Even they could not explain why cash was on hold. This is ridiculous. When I call to talk to the Branch Manager tomorrow, I'd bet good money the whole thing will somehow be MY fault because I didn't instruct the teller as though she was first grader. I think I'll start talking to them like the morons they are from now on. And if-IF I find out cash is NOT being made available same day - complaints to the attorney general, FTC and FDIC will be next.

The ATM machine does not advise that it puts a hold on large checks deposited until after it has accepted the deposit, does not allow an option to cancel the deposit, and the branch manager claims that an external contractor manages the ATM, so he can do nothing about it.

We had a check for about $4,000 we could have simply cashed at the local branch of the bank upon which it was drawn. Finding a long line in the bank where we wished to deposit it, my wife decided to use the ATM. Only after making the deposit did it inform us that a hold was on the check, and it gave us no option to cancel.

We immediately spoke with the branch manager, and he stated that he could do nothing about it. He stated that it was supposed to offer an option to cancel the transaction if a hold was not desired. He just gave us this helpless "sorry" look and kept our money. Said he could do nothing about it. After two days he could get the hold off the check, and he suggested that we might get it done by calling customer service, the outcome of which has yet to be determined. He explained that an outside company services the ATM, and they have nothing to do with it.

Personally, outsourced or not, I think the Bank of America has responsibility to the consumer for the failure of their service to perform, even if a third party is responsible to them for it. Bank of America is the one dealing with the consumer, and making promises to the consumer. By not informing us that a hold would be placed on the check before accepting it in deposit, Bank of America kept us from cashing it at the Bank on which it was drawn, and secured interest on the full amount of funds during the float time until we could actually draw on the funds -- so Bank of America does gain something from this failure by an alleged third party.

Meanwhile, consumers should know not to deposit large checks in that particular ATM if they want to be certain of immediate access to the funds. You will not be able to get your money, plain and simple, until they let it go, and they will keep making money off it anyway.

We had our receipt that said Bank of America had our money, and Bank of America said too bad.

In summary, I was the victim of bank account fraud five years ago. I worked with Bank of America to credit back my account and open a new account. Five years later the bank abruptly closed my account based only on the fact that they closed an account in the past as a result of fraud. On top of this, they charged my account $50 before refunding my balance.

In 2005, my Bank of America checking account was breached. I live in Seattle, WA and discovered a withdrawal from my account in Alabama. I immediately contacted Bank of America that told me my mailing address was changed in their system to an Alabama address. Apparently, someone was able to contact Bank of America, convince them that they were me, change the address on the account and issue a new debit card to the new address. We worked with Bank of America to close the account and issue a new checking account. The bank credited the account for the lost money and everything seemed resolved.

Over the next five years we were very good banking customers. We conduct most banking electronically; we did not run overdrafts, owned a premium credit card and even owned a savings CD. In 2010 we opened new business checking and savings accounts. Bank of America also issued us a business credit card. Everything seemed fine as we started using the account for a new business. About two months later, we received a letter in the mail concerning the business accounts.

The letter stated that Bank of America "has elected to close your account in accordance with the provisions of our Deposit Agreement and disclosures provided". It goes on to state that Bank of America "may report the account to Chex Systems, Inc., an account verification service. This may adversely impact your ability to open an account at another financial institution for up to five years." There was no explanation for the account closures; however it included a phone number for questions.

Instead of calling the phone number, I decided to go into my local bank branch. The banking center manager told me there was nothing wrong with any of my accounts and did not know why the new business account would have been closed. The manager contacted the Bank of America Risk Identification Center and was told that the reason for the closure was due to a 2005 incident involving electronic transfers. They had no more information except to say that "any time an account is closed by the Risk Identification department, the customer can no longer conduct business with Bank of America."

I explained the event to him and he proceeded to tell the bank branch manager that she could try speaking with bank management. Two days later I received a voice message from the branch manager apologizing for the policy, but that they could not reinstate the accounts. I went to the branch and visited with the manager again.

She told me that the Risk Identification department has only been around for a couple years and was not even in existence when this episode happened. She asked if I had any paperwork about this incident from 2005 and I told her that Bank of America should have everything already. She stated that management would look at and consider any information I could provide about the 2005 incident. Apparently, the bank has very little information from five years ago and is asking that I provide it. Bank of America handled the matter in 2005 and did not provide me with any follow up correspondence as to the details after I reported it. She then stated that there was no risk to any of my personal accounts, the accounts I re-established in 2005.

I decided to call the Risk Identification department again to double-check if there were any other reasons for closing an account in good standing. The woman on the phone confirmed that the only reason for closing the account was the event in 2005. She reiterated that it is their policy to close all customer accounts no matter the reason, if the Risk department initiated the close. I told her that in 2005 I contacted Bank of America and worked with them to close the account and reopen a new one. She could not confirm anything in regards to the matter except the bank policy. She didn't seem to have any information about the event.

The Risk department representative also had no idea about my current personal accounts (created in 2005 after closing the breached account). She was not even aware that I had other accounts. When I told her, she looked my personal account up by account number and stated that this account is probably in the stages of closure as well. With policies like this, Bank of America is passing the blame for security breaches to their customers. When this happens, the bank will blame you even if you are not the cause for the fraud affecting your account. In these circumstances, the Bank of America will close your accounts with no warning, post a notice on the Chex system for all banks to view and will even charge you a $50 fee to thank you for doing business with them. $50, negative impact due to Chex notification notice, inconvenience of establishing new accounts.

I opened a online checking account with Bank of America and had my payroll direct deposited to the account. I would check my statement daily online and would mark checks cleared in my check register. Well the next morning I would check my account to see that they had returned 4 or 5 of the checks that had showed as cleared the day before and paid a check that had come in later. Now they charged me 35.00 for each check they returned. When I called the bank I was told that the Ban has the right to decide which checks they clear. I ask why the checks they returned were marked as cleared the day before and if this was the was true then why have online banking.

Well needless to say I made numerous calls because the same thing started happening over and over. I finally have a total in 600.00 in Over draft fees which I could not catch up. I called the bank to see how we could work this out and was told to pay 300.00 and they would make the balance zero. They informed me this could take up to 30 days for my account to reflect the change. I ask if they could provide me something in writting stating that if I paid 300.00 the would credit the other 300.00 and make the bal zero. I was told they could not do that. They said I would have to trust them. I can't trust them, they already showed me their intentions were not favorable. We went back and forth, but never could come to an agreement. Now they have me with a check system and I can not open another account anywhere. Can you please advise me as what I sould do?

On Dec. 3, 2009 I checked my account balance and found out I was charged an nsf charge of 35.00 I had a balance but over the week end I kept getting over the limit charges. I would go put money in the bank and I kept going overdrawn. Seven differant times I went in the bank on monday and the branch manager told me it was due to debit charges that had never cleared some charges it was like they would'nt let them clear untill the balance was low enough to allow another over draft.

I finaaly spoke to someone over the phone who finnally told me how much I should put in the bank becouse they were going to hit my account with three more overdrafts so after depositing 340.00 dollars in the bank my measley 35.00 debit and my measley 11.01 debit finally cleared. that was my christmas present from bank of america I took my direct deposits out of thier bank except for a small one that I immediately draw out non the first of the month.I want them to go thru the expence of cutting me a statement. THE WORST BANK IN THE UNITED STATES. It cost 340.00 to claer up my account and completely ruined my christmas.

I have been charged five overdraft fees at $35 each. B of A failed to deduct charges made on June 10,11,12 before a check came in on June 14 overdrawing my acct. There were funds in my acct to cover all the charge and the $650 check overdrew my acct; however, they paid the check first and then deducted the charges made on prior days of June 14 to add overdraft fees creating five overdrafts instead of one. When I called and complained, the supervisor gave me credit for two of four overdraft fees (I thought I only had four) then I checked my online banking acct to see if the $70 was posted back to my acct to find I had another $35 overdraft fee charged the same day my auto deposit was made !!

Bank of America was sued for this type of practice, why are they continuing to create funds for themselves after being sued and told they could not do this.

We have been a customer since 1969; they don't seem to value a longevity customer and unfortunately, changing banks would not be any better.

The Bank of America company practices unfair methods to charge their consumers overdraft fees. Based on my checkbook and the amount available each day I am writing to express my disgust with your customer service practices and your unfair banking techniques. My checking account became erroneously overdrawn by your system of computing deductions from accounts. I simply use a checkbook and follow the numbers that are inside there in order to determine if my funds are sufficient. Because your company does not follow this simple, tried and true method, you charged me 5 (!) overdraft fees, to a total of $175. I accept the fact that I did overdraw on my last item, my charge at Food Line, and I knew that I would have to pay that fee.

The practice you are utilizing is unfair and quite the racket in obtaining money. What makes this worse, is that when I called customer service, the first operator treated my with disdain and like I was a criminal, with short words, an unclear explanation (like I am too stupid to understand), and indifference. When I asked to talk to a supervisor, she assured me that she wasn't going to let him change anything or help me either. When he finally came to the phone after a lengthy delay, he pretty explained t me that your system works that way, and it doesn't matter what day/order you make purchases on, and what money is available then; so much for accountability and common sense. It comes down to the fact that the bank can choose what goes through and when, and cause overdrafts. Mine was the ridiculous amount of $175. The common sense practice of basing overdraft fees on money that is in the account on the day of purchase is not utilized.

I opened a passbook savings account at the request of a BofA representative as part of a promotion in March of 1995. Some time later, I went to close out my account and the bank representative told me the money was sent to the State. For years I have periodically checked with the State by phone and on the Web, but they have no record of anything held in my name.

When I ask for assistance from BofA, they tell me to contact the State. When I ask them to research it internally, they refuse and tell me it was too long ago. I keep getting the run-around. Meanwhile, the money I deposited with the bank is as good as gone. I still have my passbook and an old bank statement from March of 1998. The original $25.00 plus interest would be in the thirties by now. The frustration and aggravation caused by their disregard for a customer that has had their money taken from them is far greater.

My current account was charged 595.44 for a three year old account overdraft fees in which I had no prior knowledge of. I was given no explanation, or provided any proof. Bank of America just ripped me off! Telling me to go over prior statements from three years ago, and that they didnt see any wrongdoings on the banks part. Although they could not prove it to be true. $595.44 deducted from my personal account, which left me and my family in an incredibly difficult financial state.

Force pay $401.98 from my checking acct for a closed acct in CA Bank said I had the money to pay when in fact I did not and the amount taken was mostly for fees the actual amount was only 78.00! The purchase should not have gone through if there was not enough money! It left me a negative balance of $400! I had just paid rent and the bank was threatening me with fees of 35.00 per day! So to fix the problem, they reversed my rent payment! Now, I have to pay my rent late plus interest on my rent!

I called the division in MO which handles the force pay collections and was told I owed $395.00 I stated the amount was mostly for fees. They were unsympathetic, unapologetic and said if I wanted to dispute I should have done so in February! They changed the ledger online to make it look like it was MY FAULT! I checked my balance every day and did not see the force payment until the 2nd of June! They said they took the money out on 5/28! That was a complete lie! I was paid that day and paid rent with the money in the bank it was a holiday weekend and no way of knowing until it was too late!

These people are crooks! They changed the ledger fraudulently which is against the law! But big BofA against me, like they're gonna admit they broke the law to collect an unjustifiable debt, not my fault! I have been a BofA customer for years! I have never been treated so badly and with such lack of concern or ethics!

They reversed my rent payment now have to pay 2 rent payments all my other bills may not get paid my car insurance electric bills I could lose my car insurance, because of the financial bind this has put me in! It affected the roof over my head and my utilities to be late and insurance on my autoto get cancelled because I now have to pay 2 rent payments this mont instead of one to get back on track and the loss of everything else! It could take me months to recover my payments! I could lose my auto insurance and electricity!

Deposited money through drive in 3 minutes after cut off point for the money to enter my account the next day with a payroll check that was directly with bank of america.Caused my account to overdraft several times do to a technicality of 3 minutes

I wire Transferred $8000.00 from my CHASE debit account on 5/27/10, for the purchase of a vehicle, and it turned out to be a complete fraud. Now CHASE is saying that they cannot refund my money and Bank Of America, is refusing to return it as well. I need you help as soon as possible! I lost my $8000.00, and I got no car as was advertised on the internet ad in the Auto Trader Classic cars magazine.

I had overdraft issues with bank of america in january so to avoid any more overdraft problems, i spoke to a manager who explained to me that it was possible to put an application on my account or card were when i use my card and i have insufficient funds, the card would decline. I didnt understand all that he was saying but i asked at the end of the conversation if he was sure my card would decline if i had insufficient funds and he said yes. SO i made sure not to overdraft after that. In April, i had used my card for a couple of dollar purchases not knowing that i didnt have enough money in my account. I assumed the card would decline like i was told but it didnt. SO i got overdrafted over 200 dollars. WHen i realized this and called the bank, they told me sometimes the card actually doesnt decline, which I thought was so unfair because if i had known that i wouldnt have it in the back of my mind that the card would decline with insufficient funds.

I opened an account with the Bank of America and asked for an account with out bank charges for using my money. I called and asked what address I could send my checks to. I was given an address that turned out to be there call center. I had all the money except what I had in my pocket to that address to be deposited. I kept on checking my account on line and did not see any deposit. I called and found out that they had given me the wrong address. I called at least 8 different people and the basic answer that I got was to resolve the problem my self. They really did not want to do anything. When I said that I was recording the conversations I was told that they would not talk to me if I recored them. They were recording from their end. The reason that I recorded the some of the later conversations is that I was given false information. I call the Fed's and was told that what they told me was not true. I would not put my dog's bones in their bank anymore. I would not use them if I were you either. I checked some of there ratings and seems that they would not be doing good if it were not for TARP. STAY AWAY

In 2006 I was minding my own business as I was making a dep into my Bank of America acct. A teller asked me if I had heard about, "keep the change", I hadn't and she began to explain to me that, the change from my deposits would be put into a savings account. I asked her what was the catch, she said there wasn't any. I told her I didn't have time to come in. She said she could set it up at that moment and mail me the details. I received a couple of savings invoices informing how much was in my so call savings account. My last statement showed I had a balance of 197. and some cents in it. I had over drawn in my cking and went to make a cash deposit. I was short a couple of dollaras and was going to have some taken from my savings. These rip off told me I was over drawn in my savings. I was totally upset! I asked, "how could this be, I had never used the account." this rip off told me, it was a charge for them putting it in my account, this was there idea. How crazy is this!!!! Bank of America is a total rip off...!!!!!!!

I have been with Bank Of America for 3 years in 2009 I was charged $1,800 in overdraft fees in through out 2009, So I then opted out on overdraft coverage because BOA manager bill from Branch Worcester told me, it was a good idea if I did not have the money in my account when using my atm card, it would be declined then I would not be charged any more for overdrafts only if I used a check and it did not clear I then would be charged 1 overdraft.

well to my surprise I overdrafted when my morgage payment went through I should have only been charged one overdraft but was charged four because BOA changed the order of my debt card purchase dates to later time to overdraft my account four times. I ask them to refund me they keep saying they can not, due to computer won't allow it. also they say its not my fault or them personely its BOA Bad policy not giving them boa worker/ manager the ability to refund me. Also BOA employee had stolen BOA account # BOA notifed me by mail I checked my account it was in the red they stole all my money it took them 2 mounth to pay baCK the amount and they also stuck me with some overdraft fees.

My bank account was illegitimately charged $70 in fees for transactions that were in fact covered, and I have proof of all transactions being covered. My bank account had sufficient funds available for all transactions, yet the bank charged my account for 2 transactions in the amount of $70 for "Overdraft Fees". Upon bringing this to the attention of James M., Supervisor, he admitted on record that the transactions for which he would not refund the Fees, were in fact covered, then refused to acknowledge this any further. He admitted that the bank did not have to cover any transactions on my account whatsoever, because all transactions were covered.

On 5/29/2010 I called back and spoke with another customer service representative who refunded my fees because they were illegitimate. I have screenshots to prove the bank account was NEVER in the negative and that the bank NEVER had to pay for any of my charges on my behalf. Today, June 2, both of the fees reappeared in my account. I am short on my rent which will now have to be paid late, and I am not on a lease so this could mean an eviction, although I hope not. I also cannot afford to lose $70, I am a single mother with no other income but my own.

After calling Citibank and Bank of America several times they had my roommate go into a banking location to "verify their identity" saying this was the problem. My roommate did this at which time Bank of America ensured they would put the transaction back in and credit my account the $800 (they had never posted the cash to the account either).

I have called everyday for the past 2 weeks and they have yet to correct the problem. I have had no access to my own bank account for weeks including a holiday weekend (Memorial Day 2010). No way to buy gas, no way to eat, for over 2 weeks. I have been left with no other choice than to file complaints with the OCC, political offices and major media outlets.

Bank of America has taken money from me, and their customer service associates "recognize the error and are doing everything they can to resolve the matter." I do not consider 2 weeks prompt nor "doing all you can do." Not only have they applied bank fees to their own debits, they just cant seem to give me a correct answer on when I will see my account back in the black.

Not only has my identity been stolen several times in the last year, only a couple months ago a bank associate pocketed a cash deposit made into my bank account. This has GOT TO END. There has to be some form of consequence for Bank of America not to adhere to the same rules and regulations as other banks.

I entrusted Bank of America with my personal information to open accounts in my name and my children's and the information given was obtained in someway and compromised by unauthorized usage of funds being taken out by numerous ATM locations, some in unknown areas in my neighborhood. I was unable to notice them because I am not technically inclined nor did I notice with some transactions occurring because I pay all my bills from the account and use my debt card to make purchases. When I finally discovered that this problem had existed, I contacted the bank, shut my card down and received a new one, but the transactions were still occurring so the account was closed and a new one was reopened, and this problem still existed. Transactions from my bills were turning up unpaid because of insufficient funds and checks bouncing right to left. I removed my funds went to TD bank with the same pin and the occurrences followed with $1986.25 being removed from my account.

On February 21st on Channel 7 5:00 news, I became aware of Bank of America's fickle practices and occurrences and I would like this situation investigated. I believe this is an inside job of representatives selling customers' profiles or linking our accounts to bogus links to take control of our funds. This is serious and I need help to recover months of funds that were transferred out to inside transitioning.

I went into Bank of America, and usually I am allowed to deposit my boyfriend's checks into my account and I today for some reason, went to another location and apparently, they have various policies according to the branch. This seems unethical to me simply because if one branch allows something yet another branch has the liberty to decide not to do it it leaves me the consumer, in the position I am in now. I'm not able to pay my bills until Monday because I was depending on having my boyfriend's check deposited into my account as I have done many times before.

Bank of America is allowing merchants that I have setup automatic payments via my visa check card to allow the visa purchases to come through without having money there. I deposit money in the account every two weeks and by the time the deposit is there, it has been eaten up by fees. I have no OD coverage at all on the account, yet they do this continually.

My son and I have a joint bank account, due to the fact that he is overseas. He sent me his tax return to deposit for him and I took it by the Grapevine branch of Bank of America. The teller started asking me all kinds of questions about the check. Where did I get it? Who does it belong to? I explained that my son is overseas and it is his check. Then he tells me he has to "get permission" for me to deposit the check. A Mexican guy, I don't know if he is the manager or what came up beside him but kept himself mostly out of view, had the teller ask me more questions about the check.

All the time this is happening, the other teller stops what she is doing and stares at me like I'm Bonnie Parker! Then the Mexican guy told him to "refuse" the deposit. I'll bet he never questions illegal aliens about whose stolen SS#'s they work under. You can bet that doesn't happen. Now, I wonder if my son's check will be void by the time he gets home from overseas or if they will "refuse" to let him deposit his own check. We are talking about a government check being deposited into an account that he and I both hold. If you are looking into choosing a bank to do business with, run, don't walk away from Bank of America! This is the sorriest excuse for a bank and yes, they need to change the name, because there is nothing American about this institution.

This happened today, but if the check is void by the time my son comes home from overseas, I don't know if the IRS will issue another one, not to mention he needs the money to pay his bills. I had to put the check in a drawer as they are refusing to let me deposit it. No Patriots at Bank of America.

I am always being hit with overdraft fees. I admitted that there were times it was my fault, and if they charge the fees, I pay it. But now, it is just too much. They are paying off the big bills and charging me fees on the little bills sometimes as low as $2.00. I made a payment arrangement with a consumer and was not able to continue the payment. I called the company and told them I would like to cancel the arrangement because of an injury at my job. I let them know I was going to be home on leave, and they would not stop charging my account.

I called the bank and asked for them to block the consumer, so that they would not be able to charge my account. They told me they cannot and that my account was overdrafted. And they allowed the company to charge my account. I was told that I gave the company my information and that it was not their fault. Not until I threatened to file a claim against them did they block the company from charging my account. I have been paying off bills like $500 to $700 in fees.

I have macular degeneration. Your billing form uses dots for the amounts. This reduces the readability by 40%. Also they may look like a different number to someone with my condition. I sent 2 checks for the wrong amount last year. You took 60 points off my credit score. In fairness I over paid 2 accounts. I tried to refinance my house. Bank of America made me do $750 plus a $500 filing payment. None of this money was returned. After telling me for weeks that I had the loan, BoA then denied it. I was lied to. There is a lot more but I can barely see this.

Earlier this year, I spoke with BOA about not letting scheduled payments go through if the money is not available in my account. They agreed, but they are still letting money that I don't have at the time to be spent. Therefore assuring that I will have to pay a $35 overdraft fee. The money that I went over only totaled $59, but the fees they charged me were well over $120. I work for a little more than minimum wage, so to me this is everything that I have to pay: Rent, Con Ed and phone. I also live in the "hood", so if I wanted to pay 50-70% interest for a loan of 25 bucks, I would go to a loan shark. My money would probably be safer in their less greedy hands.

On November 9, 2009, I was lured into opening a new checking account with Bank of America by the promise of a $100 sign-up bonus. I opened the account and funded it with $1500. Several days later I used the online chat function on the bank's website to confirm with a Banking Representative (Dave) that I had fulfilled all requirements to be eligible for the promotion. I was assured I would receive the money within 90 days. I have retained a transcript of this exchange.

After 90 days, I received a letter saying the promotion would not be honored. I called customer service for help and was passed around to a few departments until an associate said he would resubmit my account to the promotions department and I should hear back within 30 days. When I never heard back, I called again and eventually was told I would need to visit a branch in person. On April 2, I visited the banking center at Flushing, NY where I spoke to Yuleisi and Omar. Both were very courteous and tried to help. They expressed surprise that the telephone banking rep sent me to a branch, as the branch could not offer anything more than the phone operator.

Nevertheless they spent more than half an hour with me calling various departments (including customer solutions and marketing promotions) at the bank to try to help. Eventually, no one could help and I was given the phone number for online banking. I called online banking and was told I would need to use the debit card and then call back again. I used the debit card and called back last week. I was told that my request would be fast tracked and I should hear back within 1-2 days. I still have not heard back and I still do not have the promised $100.

After I sent the above complaint to the Better Business Bureau, I was contacted by phone from someone who identified himself as being from the Bank of America "CEO's Office". All he said was that they had decided not to honor their offer and that the decision was final. I was forced to tell the caller that if this is the way they treat customers I can't continue to bank with Bank of America. I requested my accounts with Bank of America to be closed. I am still demanding they honor their word. I have contacted the bank by phone, email, chat, in person, Twitter, through the BBB. I don't know how to escalate this except maybe to a small claims court. I'm hoping Consumer Affairs can convince them to see sense.

Yet again, this unscrupulous financial behemoth has failed to clear deposits in less than 7 days, ensured as a result that they have an opportunity to record overdraft charges in the order of largest amount to smallest thereby maximizing the number of $35 fees they can command. This is the age of electronic debits, where a purchase of auto fuel for example can be deducted from one's account in less than a few hours. But we have to wait up to 11 days to get deposits cleared? Why are we hardworking people being subjected to such abuse? It is almost legalized robbery! It is time for a class action lawsuit! Anyone interested?

Went into bank to deposit a check. The teller kept pushing their debit card, constantly, very annoying, then she kept pushing using online banking. I kept saying I don't need a card. She didn't want to accept my license as a form of ID, wanted the debit card. What a way to treat customers. Goodbye Bank of America or is it bank of hassle. Won't bank there again.

I had $170 in a checking account. I wrote a check out for $150. When the person I wrote the check to went into a Bank of America branch, the teller told the person I did not have enough funds. I went online to check out the problem. Bank of America took the $150 out of my account, left it as a pending teller transaction and told the person that I had not enough funds. A day later, the $150 was back in my account. This makes me look bad because it appeared as though I wrote a bad check.

I called Bank of America to ask them why the teller would put the check as pending, but tell the person I had no funds. They couldn't figure it out and all the representative said was, "Well, the money is back now." I don't trust Bank of America and how could a bank make such a mistake? The person I gave the check to still had the check in his hand. The bank never took it from him. It all seems quite suspicious. When the customer overdrafts his account, he is charged at least $35. We should be able to charge the bank for their mistakes! Don't bank with BofA! The person who did work on my house has still not been paid and it looks bad for my reputation.

I went to the Bank of America in La Plata, MD. I requested information on opening a joint account for me and my sick wife in Florida. I live in Maryland. They told me either way that I have to have her in front of me. I am homeless as well working on getting a place. That did not matter, they're just saying the same thing. God still gets the glory. I have been there for over 18 plus years.

They really are as bad as they say they are and my mother fought with them for months over a mortgage that was proven paid but one of their systems said that it was not. She is sick as well and they put her through the ringer. This bank should be broken down and demolished. Trust the Lord! I can't help my wife. She almost lost her home on their mess.

They charge 1% on all international ATM withdrawals. The website says there is no charge if using one of their affiliate banks. They charge an additional $5 for using a non affiliate ATM, the website says it's $2. More misleading and hidden bank charges. Thanks a lot Bank of America!

First, I should explain that I live in a country setting, alone, I am an older lady, and I do not know how to drive. From my house, the first bank I can walk to or drive my bicycle is bank of America. For that reason, I am still banking with them. Several ago, I saw a monthly charge of $20 for checking account. I assume they had raise their fee again. Within 6 months, a friend was helping me and thought I should talk to them. It turn out that they had made a mistake. They had me on what you call an advantage account.

They continue every months to charge me even after I complained monthly about the charge. Eventually, I close the savings account.

Then, they continue to charge me a fee even after the account was close. I had to go the bank to rectify their mistake. I could tell you so many, many other times I had problem with them but the reason of this complain is for the letter I received yesterday.

Few years ago, I reopened a savings account, (my stupid fault!) And again, I got more problem, so I decide to close it again. Again, they have been charging me every month, even if I close that saving account, November of 2009.

Yesterday I receive this very scary letter, frightening me to destroy my credit and my working relationship with any other bank. I am so tired, of their lack of professionalism, and sloppy bank work. Here is part of the letter:

Our records show your account has been overdrawn since 01/06/2010, and your current unpaid balance is $14.29. It is urgent that you make a deposit to your account for the full overdrawn amount plus any service charges incurred subsequent to this notice. If this deposit is not made, your account may be closed. If your account is close due to an overdrawn balance, it may be difficult for you to establish a banking relationship elsewhere and we may take the following actions: report to checxsystems, inc,that your account was closed due to unsatisfactory handling. This information may remain on file for up to five years, even if debt is fully paid in the future since chexsystem, inc, is an account verification service used by most financial institution, this report may prevent you from establishing an account at another financial institution.

Refer your account to a collection agency to pursue collection, any balance owed may be subject to a collection fee and/or interest charge. I do not know what to do anymore.

Wow, today we tried to purchase our leased truck and were told that we were denied financing. I was positive they were wrong and had entered the wrong numbers or something. We have good credit and there was no reason to be turned down for a simple auto loan. We left the dealership with the truck and said we would get our own financing. We went to our bank where we were informed that we were six months behind on our mortgage! Imagine our surprise since we have paid these payments on time each month.

Our banker was very nice and helped look through our statements to find all of the payments we made to BOA home loans in the last year. We made copies of everything and came home to call BOA. When we called BOA, they were so very rude and kept telling me to "shut up" and let her explain it or she was going to hang up on me. I tried over and over to just listen but the lies coming from her mouth were hard to ignore. They insist we are in some sort of mortgage modification program. I asked them to fax us the documents we signed approving this and I was told they don't have any. I then asked for a transcript of the conversation we had about this. Again, they had none.

Of course, because we knew nothing about this at all ever. I asked why we were put into this program and what has happened to the money we have sent them every month and she told me it was put into a special fund when you are in the modification process and nothing is applied to your loan. So again I asked, "Where is my money?" She never gave me a direct answer. After a very long conversation, she rudely said, "Fine, you don't want to be in this program, you can pay all your late fees and have your home taken from you. I don't care."

I'm finding an attorney. I can't believe this is actually happening. I have solid proof that I have paid them on time each month. I'm confused on whether or not to send them next month's payment. What are they doing with my money? Has anyone else had this happen? Our credit it literally ruined because of this. Now that I think of it, it was a few months ago I got a letter from Chase telling me they were closing my credit card because of the risk. I didn't really get it. I just thought we had too much open credit and it was a card we had not used in probably five years or longer so I just ignored it and threw it away.

While looking at my credit report today, I see many others have followed suit. Is this fixable? What type of attorney do I even look for? I can't imagine how I am going to afford to fight such a big corporation. What do you do if you can't afford an attorney to fight them? I feel like we are so stuck and I am just at a loss. We can't even finance our own vehicles right now. How are we going to get to work with no cars? I am insanely freaked out.

They have been cheating me out of about 40 dollars every month and I am tired of it. The payment due is on the 1st, late on 16. Well, I paid closer to the 15 or 14th and still they make me pay a late charge. So today is the 13th and I thought I would try to make it earlier. No, they still make me pay a late charge. I am tired of it and I want something done about it.

I currently have two accounts with your bank and recently had some debits to my checking account that I do not approve of. I was charged 6 overdraft charges because of your unwillingness to report a balance, including authorizations and holds. I spoke with a representative, and she explained that she could not refund any of the $35 charges to my account. I come from a credit union that will only show you your actual balance, including authorizations and holds. So my questions to you are the following:

deposit was made before 11am.

I don't know what it feels like to be mugged or raped, but this must be the closest thing to it. Those overdraft charges put me in a very hard position, and I feel like Bank of America and many other banks are operating with the morality of "loan sharks." I'm extremely disgusted with your practices.

I used BofA's bill payment to pay my rent. The funds were withdrawn from my account on April 5. My landlord is out of town and the check is sitting on his desk at work. They took the funds out without a check being presented to them. They claimed that the funds were withdrawn and put into a holding account where they sit until the check is presented to the bank. If the check has not been presented within 90 days, then they will refund the money to the account holder.

Is it legal to take money out of an account when no check has been presented? Is it legal for the bank to keep the interest earned on the money while being held in the holding account? I have incurred 9 nsf charges at $35 each due to this practice. The bank is taking my money out before my landlord has deposited the check. What can I do other than switch banks?! Bank of America has just gotten away with so much of my money that I am really sick when I think about it.

I have been dealing with this branch of the Bank of America since 2004. My first complaint with my account is a check in the amount of $900.00, that was returned NSF with a notation that the account was closed. It had not been closed. This was a joint account with my husband, but separate account numbers. A little while later, I wanted some money from my account, another branch, I was at a teller and I happened to see a notation on my account. Do not tell the customer and just recently, I asked about the notation again. It was still posted on the account. I also tried to take money out and was not allowed to have access to my account.

I closed the account and reopened another alone. I have asked repeatedly for a printout of the said account to find out why someone would do this. I have been in 4 times to see John B (Assistant Manager), inquiring into getting those printouts or instigated who did this. I have written 3 letters to customer service, to no avail.This process has been going on since January. It is most embarrassing to be told you cannot have your money. I felt that they are not taking any notice of me. I would like to know the reason why there was a notation on my account.

I am a small business owner. I recently caught my bookkeeper stealing and when I fired him, he took all financial record with him. So I asked Bank of America for copies of my bank statements and cancelled checks from 2006 - present. They told me it would cost me $6,000 for that information. I can't afford that. What can I do to get copies of my own records. Without the information from the bank statements and cancelled checks, I have nothing to show what was paid and not paid. It could be the end of my ability to earn a living and also leave me at the mercy of the IRS with no recourse.

I was representing the seller in the short sale where we had a valid contract with a pre-approved buyer. After submitting the paperwork to the equator system and completing all tasks, we were in the "valuations" status for a month. We were never notified that the house was foreclosed. I received a call from a another agent saying the house was given to his office as a REO. I do not feel any attempt was made to facilitate the sale, the bank negotiator could never be reached as her phone announcement always said that her box is full.

I owed a balance of $42.39 on my Bank of America credit card. I tried to pay online, I forgot to put in a decimal point. They took it as $4,239.00, loaned $2,900.00 because of overdraft protection, took the money right back out and charged fees of between 150.00 and 200.00 dollars to pay a $42.39 balance. I tried to get my money back, no luck.

I have had an account with Bank of America for many years. I added my husband to the account after we were married. He had a work truck that he was financing with an outside finance company. The truck was stolen and he received a check from the insurance company which he deposited into the Bank of America account.The police recovered the truck and it was returned to the finance company. After the money cleared, the finance company did not return the truck to my husband, so he went out and purchased another truck from a different company. Now Bank of America has a judgement against us for the amount of the check, and we did not even know about it or why.

This person and others call me in my work hours and say bad words. "You no pay, I speak to your boss. You are the bad person," and others. I said please call my cellular phone, and when a different person call me they do not have the cellular number. The person said bad words to me because I said this information I gave and I do not want all the people to have my personal information. I have problem in my job for these incidents. I do not want to lose my job. I feel sick with the problem with my nerves and I have problem in my job because the persons do not have an education and say bad words (i.e., you are the bad person, you do not want to pay, etc.). I explained in my job that I have a problem to speak with--personal issues.

I was added to my father's checking account on 2/20/2010. He has held this account for more than 30 years. On March 27th, I noticed an electronic check was presented on the account that neither myself nor my father knew about. After researching the account further, an unknown company was presenting the same check each month in the amount of $300 as far back as November 17, 2009. We reported this to the branch and we were told that we needed to call the fraud dept. We were placed in a separate room to call the fraud dept.

The dept. took our information, told us we needed to close our current account and they would let us know the status of our claim within 2 days. It took about 3 hrs. in the branch to report our claims and open a new account. Later that same day I received a phone call from Crystal *** in the fraud dept. informing me that none of the money will be returned because the first check was cashed more than 60 days and the current check that was cashed on March 16th was from the same company. If the check that was cashed on March 16th was from a different company they would have considered our claim. I was not on the account on November 16, 2009 and reported the bogus check to BOA as soon as I became aware. BOA has treated my father and I as if we are crooks. My father is 77 years old and on a fixed income and in addition to paying $900 for the bogus checks, the amount of overdraft fees he has paid add up to $210.

This all commenced in two days. I have been a customer of Bank of America for eight years. I have two checking accounts and one credit card with this so called America's bank. I have overdraft protecting. I have Mobile banking. I have alerts sent to my email but for some reason all of these features did not protect me from over nine overdraft fees that Bank of America chose to charge me. Even though, I have checked my balance before making these purchases, Bank of America's automated service had advised me of my available funds. Because this automated service they provide, this tells you at that moment what your balance is.

Now this branch and the online service have told me they have been "delayed purchases that have not processed through my account and when they go through, that's when I would get the money deducted out of my account. This in general defeats the very meaning of a debit card. I don't think this is right and this "delayed purchase" is just another reason to charge us, hard working Americans. I was charged a disgusting amount of $350 of overdraft fees.

I just opened this account this month. I am already looking for another bank. I am so frustrated with them, it is unreal. I deposited an unemployment check for $300 which they put a "hold" on $200 of it. When I had to pay a deposit for service for a phone, the transaction went through, but the bank is charging me a NSF fee for it and also for gas that I got, it didn't decline either. They are charging me $70! I wrote to them and told them if the money wasn't there, why did the transactions go through. They said because they have the "option" of paying it for me as a courtesy.

What a crock! They do it so they can get money from me. Yesterday, I deposited another unemployment check for $600. They "held" $500 but since I had only $489 in there, the hold on my $500 makes me overdrawn! I am now -$24.34 in my account. How in the world can that be right? Now, I am sure they are going to charge me another overdraft fee. I write to them and they say they don't see where I was charged a NSF fee!! I wrote back, gave them the dates and haven't heard anything back yet. I believe they are moving the money around in the account to make it look like something didn't clear so they can make money off it.

My son and I were walking our family dog on a Sunday evening along the front sidewalk of their building in White Oak Maryland, when I caught a bright light out the corner of my eye and heard a loud popping noise. I glanced to my left and saw my teen aged son, sort of staring at me and stunned. That is when we realized he had stepped on a live wire from a sign that had been removed years ago.

He had complained right away about a severe headache, dizziness and tasting a burnt "flavor" in his mouth, as well as, smelling a burnt sort of smell in his nose, nausea and blurred vision. He was taken to the ER by his father and they ran all sorts of tests, gave IV fluids, documented the incident and sent him home., referring us to see his medical doctor within 24-48 hours. Since that date (March 2009), my son has suffered from migraines, sleep problems and some memory issues.

His education felt a huge impact with having missed a number of days of school and arriving tardy because of bad sleep or migraines the night before. He is just barely getting by in his studies and regrettably the teachers are not compassionate to the situation at all. When contacting the branch manager for the location advising him of the incident, I was grilled as though I was attacking him personally, called all sorts of names and promptly hung up on.

Last month I called the BOA and asked if they had cameras on the front of the building, because I needed to see tapes for an incident that recently happened, without telling them who I was. The asst. mgr., told me that there are no cameras that face the front, only cameras that observe the ATM and the drive up. This is contrary to what the lawyers for BOA say in their correspondence to my lawyer, saying they have everything on tape and that I am being untruthful.

Keep in mind, within 48 hours of the incident, I took pictures of a contractor digging up the lawn and burying wires etc. along the walkway where the whole thing happened. Needless to say, a suit has been filed and an outcome will be a long time coming, as they will do whatever they can to avoid liability. BOA refuses to accept responsibility for the hazard they created. A healthy vital teenaged boy's life has changed forever and they don't care.

Keep this in mind, all that money and tax payers sacrifices done in the billion dollar bail out bill, and the next time you pay a fee for moving any money or paperwork at Bank of America. BOA being one of the biggest recipients of the billions. Greed drives this banking institution. Medical bills, loss education, dramatic change in lifestyle and altered future plans.

On Saturday, March 20, 2010, I checked my accounts with Bank of America only to find that my secondary checking account was overdrawn by $66.28. As of the morning of Friday, March 19, 2010, my secondary checking account had $5.74. Somehow during that day, Bank of America authorized a check card charge through the debit card linked to this account for $72.02. The pending charge (which will likely be posted to my account within the next couple of business days) has resulted in my account being overdrawn, which itself will incur an overdraft fee on top of the overdraft amount.

When pressed for an explanation, a Bank of America customer service representative gave me at least two different responses, including (1) "Debit cards can be tricky; sometimes they will authorize charges less than $100 even if the funds for such transactions are not available" ; and (2) I authorized the transaction by authorizing the merchant to charge my card. When I inquired if the authorization referred to in the first explanation was due to some back-end protective measure employed by some banking institutions. I was reassured that no such protective measure is present on any of my accounts.

In regard to the second explanation: yes, when I provide my debit card to merchants, I authorized them to charge my card, but Bank of America is responsible for determining if a transaction can be authorized and paid based on how much money is in my account. Furthermore, financial analysts and experts have recently extolled the one significant benefit of debit cards versus other payment methods: debit cards do not allow an individual to spend what he or she does not have, thereby avoiding potentially unmanageable credit card debt and/or exorbitant bank fees. While I have more than enough funds in my other accounts with Bank of America to cover the transaction in question, I am simply appalled that this has even happened. I reminded the representative that Bank of America is one of the institutions that received billions of dollars in tax-payer money to prevent its financial collapse, yet this is how its customers are being repaid. Quite frankly, Bank of America should be ashamed.

In April 2009 I applied for a refinance on my property. After being bounced from "specialist to specialist" I got Richard to complete my paperwork. My payment would go from approximately $1100 to $837 which was great. I paid $495 for an appraisal on the property. After leaving many messages and him not returning my calls, I did finally reach Richard. He said (this burns me up), "Pam, I just got your appraisal back just now and the property is valued too low for a refi." I was very upset but he said that a program is coming and I should call back in a few weeks.

Well, that turned into several months. I applied to this program and was told that I didn't qualify because of the type of loan I had, but if I call back in a few months yet another program would be available I could qualify for. So I wait several more months. When I finally talked to someone about this program, they tell me that I don't qualify because I have a PMI! Meanwhile, my payment jumps up again. Over the years my payment was increased from $986 to $1127 per month.

I feel that BOA is a rip off and they have no business in the mortgage business. I have talked to over 20 different "agents" and have probably 12 different telephone numbers and they never know what anything about my issues--either I am calling one department and they have to transfer me to another, etc. Then they won't let you talk to someone in the branches. I can almost understand why given the poor service received. Now, I am experiencing a hardship on the above referenced loan due to a job loss. The mortgage was difficulty to manage even before I was laid off and I have asked on a number of occasions for assistance.

I am in the loan mod program and have a trial payment while they review my information to determine if it can be permanent. I ask, "How long will this take?" They tell me anywhere from 4 months to a year. Up to a year? Yeah, right... I've lost $500. I feel I've been lied to by the "specialists," given the runaround by them and stressed out by the lack of professionalism and training BOA provides their employees. I've heard from a couple BOA employees mortgage that they left the company due to some of BOA practices. Don't know if that's true, but I certainly believe it.

I am an independent contractor that was doing a remodel for a client and we wrapped up the job around 12-25-2009. We then called for the final and we have been waiting for now over 100 days for a 15,000 check. I had to take out two loans and have lost over 3500 in charges waiting for this check. I think that Bank of America should be responsible for all my extra fees that I have accrued based on their lack of desire to finish this transaction. I know if I owed them 15,000 actions would have already taken place.

I pay all my bills via online banking with Bank of America. I had a payment due on the 10th, but if a day late, usually, they do not charge a late fee. I could have paid by check in person but checked the delivery date shown online and it was the 11th so I decided to take the easy way out and pay online. The payment was not received by the 12th and I was then assessed a $30 late fee. In fact, the check was not received until the 13th even though their online delivery date showed the 11th.

When I asked that they honor their guarantee of paying late fees if the payment was not received as promised, they refused saying I chose a date that was actually not a due date but a grace period date. I should be paying my bills earlier, etc. like it is any of their business. They did not deliver as promised and now refuse the late fee because I should have paid it on time and not during a grace period. I have banked there for 23 years but this is the last negative experience I plan to have. They are arrogant, cocky and unethical. Another episode is they changed the monthly savings account statement cycle to 36 days and then tried to charge me $9 because I had 7 transactions rather then the 6 they allow. 36 days! It is very unethical but at least they reversed that error.

On 3/17/2010, my available balance was positive; on 3/18/10, it is negative due to 2 $35 fees assessed by Bank of America for 1 transaction that has not yet posted to my account and 1 that never happened. I called and spoke to a teller. They refused to remove the overdraft fees though the account is not overdrawn.

On December 17th, 2009, a water pipe burst and caused approximately $45,000.00 in damage to the first floor of my home. Bank of America, my (first) lender required that in order to insure that the work was done, I deposit the insurance funds with them which would be held and disbursed based on the work completed and inspectors they hired to confirm the percentage of work remaining.

My initial disbursement took 3 weeks and many telephone calls with a different story given to me by each representative I spoke with. That Disbursement was roughly $7,800.00 and the check was payable to myself as well as 3 other parties, causing me to then have to have the check endorsed by my equity line lender in 2nd position (located in Ohio) the public advocate firm I hired to represent me with the insurance settlement and my fiancee.

Shortly thereafter, the majority of the work was completed. I reached out to Bank of America requesting an inspection and another disbursement. On March 8th, an inspector (hired by Bank of America) came out to my home and confirmed in a written report to Bank of America, which they acknowledge receiving, that 99% of the work was complete. It has been almost 2 weeks since I made the request for a disbursement to pay the contractor.

Bank of America has advised me that they have disbursed via US Mail $35,000.00, on March 11th. After calling their insurance department, I am again being told a different story about the check from each representative I speak with. Simply, I need this money to remit payment in full to the contractor. For some reason, the BofA is restricting me from the use of my money and will not release it to me. I have about a 50% equity interest in my home and while I appreciate the banks policies, I have respected their rules.

Bank of America is not respecting my obligations. Bank of America has become a hindrance in the process and they are placing me in a position with the Contractor and the Sub Contractors of placing a Mechanic's Lien on my home if payment is not made to them. I cannot seem to get assistance or the truth from anyone within the Property Claims Division at Bank of America. I need someone to advocate on my behalf as a consumer.

My only source of income is the social security income and my family depends on it. Bank of America has ripped me off by taking $210 from my Social Security Income for over draft fees. I have been taken advantage of and I need my money back. Your prompt attention to this matter is appreciated. If you cannot take any action, please refer me to the right department or division so I can get some result.

They took my money every month for over a year. My SSI check was over $900.00 every month, but I would only get $450.00 to $560.00 a month. I asked a teller why this was happening when I was being careful not to go over my ATM limit, and she told me secretively that it was because the bank held all ATM transactions until the end of the month and then started with the largest and went down the line to the smallest ATM transaction. This inevitably led to an overdraft before it got to the small ones because you never knew for sure how much money was in your account. The amount that they tell you is in your account is never accurate. So of course, all the bottom smaller ATM transactions were charged $35.00 each. Many for $2 or $3 transactions.

Bank of America robbed me in my face and did not even use a gun. I want my money back. How dare they switch banking as we have known it for centuries around for their selfish greedy thievery. That is exactly what it is- Thievery and they should be held responsible. The parties who concocted this thievery go to jail as any common thief, have all their assets taken away from them, live on parole with no money or job when they get out and see how it feels to be poor and have your food money stolen by the bank you trusted to keep your money safe. Also most definitely BOA must return all the stolen money back to the people that they stole it from. They are nothing but thugs and thieves and should go out of business paying for their unforgivable crimes.

I am 53 years old with an extreme heart condition and because of Bank of America could not afford utilities and food. My life was already sad enough. Try explaining to God why you stole the poor peoples pittance for your greed. I used to dream about a glass of cool-aid. I could not even dream of eating food by the end of the month- just a drink of cool-aid or a Dr. Pepper. I consulted SSI and was enrolled in their direct deposit mastercard which cannot go over its limit. I had begged bank of thieves to not let my ATM go over its limit. They told me it was impossible to stop it when the money was gone because of electronic banking. Malarkey! If I tried to withdraw $20 out an ATM machine, it sure stopped me! Banks are crooks! Hold them accountable for their thievery and robbery or the public will be up in arms and take care of it for us!

Bank of America doesn't answer a phone for over 10 minutes on hold. What type of service is this? When I go to the branch, they direct me to the 800 number. This is not service at all. Why did we bail them out? After many calls and a trip to the branch and holding long time, I don't have info I need.

I have a legal agreement with B of A to take my mortgage payment out of my bank account on a bi-monthly at the rate of $1620 (taken on on the 3rd and 15th of each month). On 2/9/10, Bank of America randomly withdrew an additional $2839.39 in addition to my regular mortgage payments. I have called, emailed, written, faxed and been passed from one rude customer service rep to inept supervisors for 1 month now and I still have not received a refund of these illegally taken funds. I am not allowed to talk to anyone in their payment refund department as no on at B of A has their phone number. Since B of A took an additional $2839.29 out of my account, I have been assessed overdraft bank fees and bounced check charges as well as interest.

I had some unauthorized transactions on my checking accounts due to an online loan I applied for. I made the bank aware that somehow other companies beside the loan company I applied for were taking money electronically from my account. They filed a claim but I keep getting charges from different companies and the bank keeps charging me overdraft charges and they refuse to close my account until there is nothing pending.

I explained to them that as soon as one transaction posts, another comes in and once again, I am unable to close my account because of the new pending transaction. I asked them to stop all transactions from coming in but they refuse to do so because as long as my account isn't a zero balance, they can not freeze my account. So, they claim they cant' stop anything from coming in to my account. Meanwhile, I am being hit with unauthorized transactions plus overdraft fees that I can not cover because as soon as I cover one transaction, another ones come through. All I want is to close my account or change my account number but they claim they can't do that until there are no pending items on my account, but there are pending items almost everyday and I am unable to close my account once again. I am the customer and if I want any transaction to be rejected, I should have the right. After all, it is my hard-earned money that they are taking. I just want the bank to be more helpful instead of having to file a claim after claim.

I got cheated by the Bank of America. My online balance showed that I had a positive balance, and that is how I go about spending. When I saw that I had a positive balance in my account, I went about my usual spending. At the end of the day, I had a positive balance of about $10. The next day, I opened my account and saw that I had a negative balance of $200. And it was caused because of four overdraft fees of $35 each.

I called them up and filed a claim and they reversed three out of the four overdraft fees. That same day, I went and deposited $800 in my account. The next day, I see that there are four more overdraft fees there even though I have a positive balance. Their explanation is that some transactions didn't post to my account earlier and that is why those overdraft fees are there. So in total, there are five overdraft fees related to my account even though I have a positive balance.

My complaint is that why weren't those transactions that caused my overdraft shown in the pending section of my account before? And how am I supposed to know that there is a negative balance if it doesn't show on my online account? They have all kinds of explanations for the overdrafts. But I have been cheated off a lot of money for what I believe is their fault. If I have overdrawn firstly, my card should not have been approved for further transactions. Secondly, if there were any pending transactions, they should have shown in my pending section of my account. Because of this, I have been charged over $170 in overdraft fees for something that was not my fault.

Why do they have the online account feature if it is not accurate? They should at least warn the customer beforehand that the online account is not accurate. I was not made aware of any such mishaps. I don't know what to do now. I'm broke and no money to eat.

I was visiting my friend in San Jose, California. I had too much cash, so I decided to make a deposit at Bank of America. At the counter I took out my envelop of cash and counted 2,700.00 and placed the money onto the counter. I told the teller that I need to make a deposit and I'm from out of state. He took the cash and put into the money counting machine. I even asked him " this 2,700.00 will be deposited right away, right?". He answered, "yes it will be deposited right away".

He tried a couple of times to make the deposit, but he couldn't get into my account because it was an out of state deposit. So he calls the manager over to authorize his transaction. He finished the transaction, which I even confirmed with him the second time before he gave me the receipt. When he handed me the receipt, I didn't remember checking the amount on it. I just remembered looking at it real quick and put the receipt in my wallet. When I returned to Seattle the next day, I logged on to my online banking account and it showed that I made the deposit in the amount of only 700.00 dollars. I got really scared and started looking for the receipt that when I had realized the amount on the receipt was 700.00 dollars.

In tears, I ran to the Bank of America in South Center Mall asking for help. Rachelle helped me contact the bank manager over in San Jose. They told Rachelle that they remember exactly who I am and that the teller said I only made 700.00 deposit. To me that is impossible to remember a client after a couple of days. Rachelle and I requested a review of the video, after 3 weeks of waiting. Today I received a phone call saying that it doesn't look like I made a deposit of 2700.00 dollar. I asked her how come you didn't look at the angle of the screen where the amount was shown when the machine counted it. She said they didn't have that angle.

I asked her, "You said you saw me counting the money. Why didn't you zoom in and look at my hand movement when I was counting the money. 2700.00 is a big difference from counting 700.00". She couldn't answer that question. Now I'm currently waiting for them to transfer the video over so Rachelle can review it. I really need your help. 2000.00 dollars is a lot of money to me. I only make a thousand a month, i cantnot afford to lose that money. I have no one else to turn to.

In a nutshell, it has been 101 days since we have proven that the payments they did not record and credit to our accounts were indeed made. They do not resolve the problem; they keep telling me they are working on it? How long does it take to do proper accounting? Our good credit is damaged and we get calls and letters telling us intent to accelerate? We made the payments and on time. We have proven we made them.

They mentioned a MRC program had helped miss up things; we never heard of it and do not know what they are talking about, just that it sounds like it messed up maybe up to 150 people's payments together. As of the last 5 days, they will not respond at all. They will not answer emails or return calls. I have dealt with over 27 people with this issue, still no help. The only helpful person was Bob in collections who gave me Jose number . Our credit is ruined and they are trying to foreclose on 2 homes that we have made the payments on. Please help! Thank you.

I tried sending money from my check account to my Australian account. I waited 4 months until I actually got an email stating that it would have to be re-processed. This was in September 2009 and I am still waiting. I was left homeless until a Christian family took me in.

I am going through financial hardship and I have had three accounts with Bank of America including my checking/savings. I had been paying over $800.00 for all three accounts and still couldn't keep up with payments. They offered to do a debt reorganization in which now, in addition to my mortgage, they are taking out $680.00 for the three accounts and my mortgage is $1013. I have asked about reducing either the payments or mortgage and was told, no with accounts.

I am trying to contact the mortgage division to see about reducing that amount. On top of all of that, I had used their automatic payment deduction and have had not one, two, three but four times payments taken out, leaving me with a negative balance in my checking account. Even after writing to them, email of which I have always have up to this past year and gotten a response within 48 hours; this time, there was no response. I have taken my mortgage off of the automatic payment but the other accounts are still there. There have been months in which I have had $50.00 to last through the month and I haven't even gotten groceries. I make certain that house, insurances, utilities are paid first and have always made certain that accounts have been paid but now, it is a struggle to get other accounts paid.

I will not do bankruptcy and that is just not an option. I need some other options particularly if the three accounts can be reduced. I can manage with the others. I also have student loans from graduate school that I am completing this May, plus, one from 30 years ago that I paid off the earlier ones from that time. I am using a car title place because at the middle of the month, I have little or nothing and still have bills to pay. That is not something I wish to do either! My car has been paid off for years! Also, I have emergency room bill, that thank goodness is not over a thousand but still at over $400. I have to make payments of $60 to keep from going into any collections!

I have contacted an attorney this morning and as stated earlier, I simply will not lose my home!

This is ongoing back as far as 2000 to date. My checking accounts, a total of 4 at that time, month after month did not come out right with my balance in check books. As it always came up short to my balances, the funny thing is I took accounting in school and my adding machine is correctly adding and subtracting. Yes we are retired on a limited income as 3 accounts were inherited from my mother passing away as the three accounts all of the time were short in money even when my mother was alive as she knew how to add and subtract in her head but to double check, she used a adding machine also to check balances of her accounts. The only accounts that were correct was her CDs and her accounts were always keep up to date.

After she passed away, I got them all but always a problem with them coming up short as their balances was not the same as mine but continued to use them. But when checking out the statements that were mailed to me, they were perfect but always were short from and 2.00 to $5.00 per month short or more or give or take. Then after closing out the accounts, 3 of them and closing out the CDs, we had 1 account with them and it even came up short on money after confronting them and asking why? There were short every month. I was informed that it would cost me per hour to audit my account being cheap as I am. I said no way but was informed they did not make mistakes it had to be me. So we started keeping tally of the amounts shorted monthly as it came up to a lot of money over a year.

So my wife and myself had built up a nice surplus of money as we wrote a check for an amount to get dog food and guess what, we could not get that amount of money from our account. We had to put back into the account X # of dollars to keep them from an over draft fee. At this time, we decided to change banks as I had a personal account with another bank and it checked out dollar for dollar every month for about a year and a half. So we changed to another bank and for the last few months, it came out perfect dollar for dollar.

As we made arrangements with this bank for direct deposit of our checks, then this month without notice they started charging a service fee for a free account as their website so states but in the small print just added there is a fee when no deposits are made by direct deposit. Now I am being charged for this open account not being used as it has been only one month no activity. Now I owe them about $9.00 service fee but was told by Social Security to keep this account open for any errors so they could make sure it was deposited in my new account. As this is the facts I owe them after years of them taking my money from me and my wife. So guess what, it will be closed as of today 03/02/2010 and I will never recommend BOA to anybody. I am through with them and won't go back after them after getting taken for 100s of dollars over the last 10+ years.

Bank of America is known for screwing the customer. What kind of bank are they? We had an over draft that has since been paid. And because we don't have any money in the account and they have stopped putting things through, the Bank is charging $35 everyday, we don't have money in there. Even though nothing is going through. How is this legal at all? This is why so many people leave Bank of America.

I have on more than one occasion spoken to representatives from Bank of America to activate overdraft protection on my checking account by linking it to my Bank of America Visa. Somehow every few years, the overdraft protection disappears and I incur the fees involved when overdrawn. When I called to speak to the Bank of America phone representative, they tell me they can only go a year back and that they show I've never had overdraft protection. I know I have had this in the past and ask them to go back further than 11 months in my history which they say they cannot do. I wonder if this is a common practice-to spontaneously remove the overdraft protection because, at the end of the day, they earn a hefty $35 for each transaction.

Bank of America steals from their customers. They create overdraft fees by not processing your purchases as they occur even though you have the money available and at the time of purchase they went through fine. If you look at your balance, you will see the "Balance" and "Available Balance" and will notice the amount you just spent is now gone from the "Available Balance". So this means they have removed the money you just spent for the purchase you just made. Only problem is they don't actually clear your purchase even though they have removed the amount from your "Available Balance".

Instead of clearing payments they hold them, sometimes for several days, and they call them "pending transactions". Then they wait for other higher charges to come through. When this happens, they will clear those higher charges and then process the lower charges, and often times, this creates a deficit and will overdraft your account. If you have money in other accounts or a savings account, they will freeze those accounts and not allow you to use or withdraw any of it unless you use it to pay their fees and get the negative account into the positive. So you could find yourself with an unexpected negative balance and be frozen out of your accounts unable to get any of your money.

Right now we are in the middle of this nightmare, which we have seen several times since opening up accounts in 2005 and 2007. We were paid on Friday, January 29, 2010. We had plenty of money in the bank and that day, the 29th, I paid several bills and then that weekend we bought groceries, and made several small purchases. Our account online looked in order and the "Balance" and "Available Balance" were correct because all the purchases we made were now gone from the "Balance" and showed what was left in the "Available Balance", which was in the positive. When Monday, February 1, 2010, came, I planned to deposit more money into the account to cover two car payments that were going to be coming out that day.

When I went to check the online balance, I saw that they had cleared the two car payments, which were supposed to clear Monday, and they used the money that had already been reserved (or so I thought) from the payments and purchases we made on Friday, Saturday, and Sunday. Then they proceeded to overdraft five of those purchases at $35.00 each. Later, in addition to that, they added another $35.00 fee called an "Extended Overdrawn Balance Charge" because the account had been in the negative for 5 consecutive business days.

We would love to close our remaining account and leave, but we are stuck there. Because of one of the many times they put my account into the negative with overdraft fees and it snowballed from being a manageable amount to an unmanageable amount, I was unable to get caught up. Then they started to charge me an additional $35.00 for "Excessive Overdrawn Fees" when my account was in the negative for 5 consecutive days or more. Soon I was unable to ever get caught up and pay my rent and bills and buy food and gas. I had to stop depositing money into the account because it was just getting eaten up by their fees and I needed to pay for basic necessities and rent. They eventually closed my account and then reported me to Chex Systems.

Now because of this I am unable to open another bank account anywhere and am a prisoner there, unless I want to have no bank account at all, but then how do you cash your checks and pay bills like a normal person? You can't without a great deal of hassle and the danger of having cash in your possession, which is risky and unprotected. But really, what's the difference? It can be stolen by some random thief or it will be stolen by the bank you are supposed to trust to keep your money. Not rob you blind.

My story is just one of many exactly the same and this issue with the banks using computer programs to overdraft their customers' accounts has to stop. They have literally stolen hundreds and hundreds if not thousands of dollars from my family. They refuse to refund the money and they continue to practice this fraudulent scheme year after year to hundreds of people without consequence. The Internet is loaded with stories exactly like mine. I have been talking to people at stores and other places of business and have heard the same story from many of them about Bank of America and a few other banks that are doing the same thing to their customers.

These banks squandered billions of dollars away on who knows what and then needed to be bailed out by the government. They created the sub-prime lending schemes to make money and we all see how that turned out. Now the country is in turmoil and the economy is in the gutter and people are suffering because of it. Now they add insult to injury and steal from their customers by creating this overdraft charge theft scheme to make money. Why is this legal?

My mother passed away on October 30, 2009. I'm among the nations' unemployed and have been for over a year and had no way to obtain the funds to drive to the DC area to see her before her passing or to attend the the funeral. On November 2nd, my sister electronically transferred 100.00 into my Bank of America account to help me attend the funeral. On Nov. 4, she transferred another 100.00, so I could get back home.

Unknown to me, the money was transferred from my mother's bank account. The Social Security Administration notified the bank of the death date and instructed them to return any funds deposited after her death date. I did not have access to my mother's account. On Jan. 22nd, the bank reached in and took the balance in my account which was less than 30.00. I did not receive written notification of this until Feb. 4 and the letter, although supposedly generated on the 22nd, was not postmarked until the 26th.

On Jan. 25th, the first day the bank was open to find out why there was a hold on my account, I spoke with Alisha at the reclamation department and she explained why the money was taken. She told me that I was liable for the $200 that I benefited from my mother's social security. She assured me that no additional funds would be taken until after this amount was submitted to the Social Security Administration and they returned another request.

She also advised me that although I was liable for the total amount of $200, but that they would work out payment arrangements with me when they heard back from the Social Security Administration, which would be 60 - 90 days and she stated we aren't that mean. I advised my sister, who is the executor of my mother's estate and the only person with access to her account, of the situation. She contacted the Social Security Administration and was advised that they had no information and to contact them when they received the money taken from my account and they would make arrangements with her to repay the rest.

On Feb. 4th, I received their letter, called the bank, and spoke with Talit. She advised me that they had no choice but to take the money, but again I was promised that no additional funds would be taken - yet. On February 5th, the bank took $200 out of my account, thus reversing the promise made to me by two both Alisha and Talit. They both lied to me.

Also, the first $100 was transferred before the direct deposit made on Nov. 3rd, so it was not a part of the deposits referenced in their letter to me. Talit advised me that it didn't matter because the transfer was made after her death date, which is not what the letter indicated. This is just plain wrong. They reached into my account and took my funds with no notice. I was not notified of this issue by the bank until after the fact. They did not allow any opportunity to work out the matter with the Social Security Administration or with the bank.

They broke the promises made to me by two of their customer service representatives. They held me responsible for funds that I had no access to other than what was transferred by my sister for the express purpose of making it possible for me to attend the funeral. I was not aware of where those funds came from, nor was they any reason for me to question it.

They took my rent funds, pushing me to the edge of homelessness. I had to ask for help from my church and take a distribution from my 401K, incurring penalties. I lived in constant fear that they would take even more money to cover funds that they said my sister is responsible for. I closed my account and took my name off the joint account with my husband so that the bank has no access to my money. Closing accounts and changing banks is a tremendous inconvenience, but my financial safety was at risk with Bank of America.

Bank of America charged me $140 in overdraft fees when a pending transaction appeared two days in a row. I have savings overdraft protection, which was also triggered, and it covered the problem that appeared on my online statement. When I asked the first representative I talked to why both savings overdraft protection and overdraft fees were triggered, she said that was a good question and that it shouldn't have happened. And she said that if I called the next day when the fees had cleared, I would receive the fees back.

When I called the following day, I was told a different story. I talked to three different representatives who all said that the fees were my fault, that even though overdraft protection had kicked in, the computer that handles overdraft protection hadn't recognized the larger amount of overdraft created by the pending fee taken out twice and that no one in the bank would refund the fees for me, regardless of what the first representative had told me.

The final representative I talked to, Desiree **, assured me that the bank would rather take the loss of my business than refund the fees. I asked her if she was prepared for me to make this situation public by contacting Consumer Watchdog and the Better Business Bureau, she answered with a weaker "Yeah..." I then said, "I'm sorry that the bottom line was more important than maintaining customer satisfaction," and ended the phone call.

As soon as all transactions clear, I will be taking all five of my accounts to a competing bank. The $140 that was taken from our account will prevent us from buying groceries and other necessities for the rest of the month.

Bank of America took out $1,550 without my consent or any notification from my personal checking account. They withdrew the funds for business credit card. The business is S corporation and has no affiliations to personal account. This activity impacted my rent check returning and I received eviction notice from my apartment management as well as my insurance payment was returned and insurance was cancelled on my car.

Bank of America is criminal and needs to be audited by the US. It is criminal what they do to their customers. They hold deposits up to 10 days. Everyone knows a valid check can clear in 1-2 days and if you make purchases on that deposit, you are charged $35 and they hold onto charges until they can charge you $35. This bank was bailed out by the US government. They are unethical and not customer oriented at all. If you have an account with them, or credit card, bail out now! I had multiple $35 charges that were not valid. They increased in interest rates on credit cards regardless of your payment history and held deposits for 10 days or more without valid reason. The most unethical bank I have encountered. Close them down.

I am an employee of BoA and it seems that it is a game for BoA to see how much money they can take from my account. For instance, I receive notification via text that to avoid an insufficient fee, I must bring account current. I immediately went to the bank to make the deposit in person. Later that day, I received a text saying I have been assessed four insufficient fees for the transactions. The agent told me that this is for the extended overdrawn balance as if I was not to pay it. I stated to the agent that "so by me paying to bring my account current, I am agreeing to BoA for the micro loan they could charge me". I was charged $35 per transaction for 4 transactions. That was my birthday money.

Bank of America in my husband's word is the devil. I cannot decide if Bank of America knowingly sucks you in by offering superior customer service, which no one wants to help you and many locations to make it easy. Bank of America is the hardest to get any credit with and they will take money from the people who don't have it. The overdraft was a total of $41, I was charged $140. This is why people don't want to use banks and keep them in the mattress. As an employee, they have continued to make you work harder for less compensation with less appreciation. I took a Leave of Absence last year and that was the worst experience. I have worked for this company for almost 5 years. It is not like I decided to just take off.

I do know that is not BoA's decision regarding my approval of paid leave, however, towards the end of the year at Christmas, I received 2 letters: One from BoA saying that I owed for Sept/Oct/Dec. If I do not pay, I would permanently terminate my insurance on Dec. 31st. They gave me 2 options, take half from my 2 paychecks in Dec 2009. The 2nd letter was from BoA/Fidelity stating that because AETNA did not inform BoA/Fidelity that my pay on leave was not paid, I was subsequently paid for 80 hours of time. It was a very difficult time for me and when I saw that, I thought I was approved. My husband doesn't work because he watches our toddler and I work to pay my child support and his. I am negative every month. Not your problem, I understand.

This is what the agent Aaron said, "please note that if the account is overdrawn by ten transactions in a day, only four fees will be assessed". Previously, ten fees were being assessed for overdrawing the account by ten transactions. It has been reduced to four fees in a day. Wow, that's nice. I know that this is just another letter I'm sure other people have voiced their opinion about, but this has happened too many times to count. The last person I talked to about this said if I make the deposit by COB, then it won't charge. Well how can I go back in time and why would I receive that text after the fact? Nothing matches and it is very sloppy and makes BoA look very bad. Even a response to say sorry for you would be nice. Who knows? Maybe they will fire me because of this.

I requested for a reference letter on my account for immigration purpose from this bank on 2/3 and have not received it on 2/17. They told me it will take 5-7 business days but it is well beyond that. I called them up, emailed them, but they acted dumb! I am getting out of this bank. Worst customer service ever! They took $10 and still no reference letter yet! Stay off.

In the past six months, Bank of America has taken $1,750 from my checking account in fees. I'm charged twice if my deposit doesn't reach them in two days. Because I have direct deposit, they will pay anything. I have disputed and won some of their quick to pay items. Then BofA will charge me $35 each second my account is over. I can make a deposit the same day but if it is at 7 pm, I'm still charged. This is excessive and the public should be warned. This is Bank of America's standard procedure to consistently rob the public. I work and this has put me in debt. My car note is behind and my rent is late.

Over the last year, Bank of America has been reducing my lines of credit on my business accounts and personal accounts. I have never been one day late with any payment and I have excellent credit (Beacon 720+). By reducing my credit limits they are (or will be soon) actually causing damage to my business and/or personal ability to conduct business. Please help! By reducing my credit lines by over 300k for my business and personal accounts, they are hurting my businesses ability to operate as it has done for the last 10 years. They should not be allowed to just reduce your credit on accounts that have never been late one day and who continue to have excellent credit!

Bank of America has been stealing my money at $35 a pop since 2004. My husband and I have been having financial difficulties since 2004. When I make a purchase, I always use my debit card, and enter my pin. Bank of America treats these like a credit transaction, and does not take the money out immediately as they should. Not really knowing this and thinking my purchases are okay, I will continue to buy food or whatever is needed. Then they take those transactions and pull them out of my account all at once on a completely different day, sometimes 3 days later. This then puts me in the negative and the fees of $35 snowball into hundreds a month. This is a consistent problem.

By now they have probably stolen thousands from us. Then in December 2009, I saw that for 8 months someone was taking $39.95 out of my checking account. I immediately called Bank of America and they opened a claim and promptly reimbursed me the $319.50 plus the $1,750.00 in overdraft fees this had caused. On February 16, 2010, I received a letter from Bank of America stating that my dispute falls outside of the time frame they have. They are going to be taking back the credit of $2,069.60, which I do not have.

I made a purchase on Monday, 2/15/2010, using my pin number. I stopped at a MAC machine and took money out on the same day. There were also purchases for gas and other purchases made over the weekend. All of this came out of my account today and now I am in the negative. Now the fees will build up again. This is an unfair business practice. When you purchase anything using your pin, that should come out immediately. My husband and would not make these purchases if we had no money in the account. the emotional toll of having financial difficulties aside due to all the excessive fees, there have been many times when I could not purchase food, gas for my car, or even order my son's graduation pictures.

Economically, it is hard when you are always in the negative. They have to get their money first which makes it difficult for me to pay the bills when hundreds are taken right off the top. I feel like they take advantage of my financial hardship because without checking my balance, and sometimes just going by the fact that I checked my balance the day before. I know I have money in the account, and I am able to pick up my son's prescription only to find out that I was in the negative. I did not know they allow the charge to go through and I am right back to $35 per item again.

Bank of America have reduced the limit on my Platinum Plus Visa credit card from $1,400 to $500 with no explanation and no advance notice whatsoever - this after having charged me some 30% interest rates and all sorts of fees. They did this after I had payed off the balance on that card, and after they got all that TARP billions payed for by taxpayers, myself included.

I need to live but when BoA charges me-- example, I had a balance of X amount of $, made two debit/credit purchases knowing I had enough to cover those items, then after I made one last purchase (that I knew would be an overdraft) so I would be able to cover that one overdraft on my next check.

I went to my account online and noticed i had three overdrafts on my account which surprised me. I gave them a call to find out what the problem was and was told that they take out the highest purchase first and then they do the smaller ones. I explained to them that my smaller purchases were done three days prior to the bigger one and I would think they would cover them in the order they are done since I had enough funds to cover the smaller ones. They told me that that's not the way they do it. I tried to argue the point but got nowhere.

I feel this is very unfair being that since they did it like that I incurred three overdrafts instead of only one which put me behind. Now I'm still trying to catch up. I feel they do it this way knowing that it will cause more overdrafts and they collect more money. I'm paying for overdrafts that they made happen on my account because they put the larger amount through which made my smaller amounts that were covered turn into overdrafts also. $105.00 total which I wasn't expecting and set me back for three months and wasn't able to pay my utility bills.

I have been a customer of BoA for some years. I have checked my account and it states that I have money, then I will use it. When I checked my online statement, they will go back and charge me an overdraft fee for every debit transaction that I made because something came in. I have paid hundreds in overdraft fees that were unjust. There have been times that I have even found too many overdraft fees and they had to remove them stating it was their mistake.

Now after still putting up with, I went to my bank and deposited my income tax check in my account. I was told that there is a hold on my account and that I can't get any money out until the check can be verified. I had customer service tell me that some money would be released the next day until it could be released, but the next day, no money at all. The customer service when I called was pretty rude. One told me "you have no money". It's a check. After I get this cleared up, I will be stopping my direct deposits from my job and child support. They have lost another customer.

Bank of America closed my account without a warning, with holding all my funds and telling me that they are issuing a check for the amount and that I will receive the check in 15 days. They closed my account for no apparent reason, I can not access my funds. I am unemployed, therefore, I can not use the funds in the bank to pay for food, heat my house or buy medication which my wife is in need off. Clearly, this is a violation of consumer rights.

I made my regular scheduled payment on 1-5-2010. Then on 1-20-2010, a gentleman called to inform me my payment had not been received yet. Therefore, he wanted to know if I wanted to make a telephone transfer to cover late payment ($59), late fee charge of $39 plus $59 to cover next month's payment for a total minimum payment of $157. I was asked this question several times, but I was certain I had made the payment on Jan. 5th and wanted to check into the matter first.

I declined to make a payment over the telephone and in checking my records I found the payment had indeed been paid on the said date. When I called back the next day, I was told they had received the payment on Jan. 20th and it had been credited on Jan. 21st. This was 15 days after the payment had been put in the USPS along with a dozen or so other bills that were due between the 10th and the 18th of Jan. I made the payment according to terms and conditions required by BofA and cannot understand why it was not credited to my account sooner.

I checked with the post office and was told a letter can be mailed across the United States and reach the destination within 3 days. I explained all this to the account manager and was informed it was my fault the payment was late. They refused to do anything about it. The consequences were the $39.00 late fee and a black mark on my 10-year record of payments made on time. It is not so much the amount of money involved as it is about the principle of the matter. I was very angry and upset about the treatment I received by these people who apparently believe there are different rules - one for them and another for their customers. I have lost a lot of trust and respect for banks and in the future will do business with the smaller, locally owned banks or credit unions.

On November 2008, I was depositing $420.00 into the ATM outside of my local Bank of America branch, but when the machine asked me how much money, I accidentally imputed $42.00. When that happened, I started to get very worried, so I tried to withdraw the $420.00 back and tried to deposit it back. When I did that, the machine froze on me and did not give me any money.

At this point, I was worried and scared because the money hadn't processed right. So, I called Bank of America and when I talked to the representative, I was hysterical since I had no experience in this field. The representative I spoke with has informed me that I had to go into the branch the next business day which was Monday. I went in the next business day, and when I tried to access my account, it was already in the process of being closed and they reported my account to check systems and accused me of fraud.

In several occasions, I asked Bank of America and Check Systems if I owe them any money to please let me know so I could settle this and they of course, both companies told me that I do not owe any money and never have.

I asked Bank of America what I should do and they sent me to check systems. I talked to check systems and they said that they couldn't help me and that I have to talk to Bank Of America. Since this incident happened, I have been back to my local Bank of America branch many times but they are always rude and can't help me. My last attempt on February 8th 2010, they asked me to stop going as they will not take off the fraud alert.

This company is unethical and should not be allowed to treat people this way. I am 18 years old and because of Bank of America I'm unable to open a bank account for seven years and qualify for certain jobs.

I was charged overdraft fees for items that were "pending" in my account even though I transferred money into said account before any items cleared. Sufficient funds were in my account to cover the debits/charges before they cleared the bank but I was still assessed a $35 service charge on these items.

Consequently, my account had a negative balance causing more items to bounce, resulting in more $35 fees and then with extended overdraft fees of an additional $35. I'm out several hundred dollars.

Where do I start? My ex husband 5 years ago, wrote a bunch of bad checks. I had to pay them off and reopen account. But when I get a loan or whatever or change banks now, I have to have a letter from a bank employee (that took the money) that I did pay it. They say, they cannot fix their records saying that I did pay that money but do not worry, they will keep writing letters in my favor. I am reporting them if they don't fix this computer error.

A few months ago, they paid an online bill 5 days before set date, before I revived my paycheck, had me bouncing and on the phone with my car company all day. They should have called, they did fix that screw up. July 2009, they paid 2 bills of mine 2x in one week.I called both bill collectors and explaining to them the bank paid them 2x. They refunded the extra payment. But...

I went to Bank of America to get the over draft fees taken off. The vice president told me I should have not went to Walmart to get groceries or pay my child's daycare. Knowing I did not have the money, um! I would had the money if they did not pay 2x on my bills. It took a week for me to get my money back, I had to buy groceries and put gas in my car and she had no concern and talked to me like I was a idiot. She only return some of the overdraft fees. She said, it wasn't the banks fault that I paid bills after knowing there was no money. Again, the money would have been in the account if my car and phone payment was not posted twice in one week.

Then the other day my husband gets paid, for some reason this time it took 2 days to clear. I bought groceries the day he was paid, I paid bills the next day.Well, the bills cleared before the check did. He has direct deposit, went in at 2:30 am and I did not by groceries until 4 PM that day, the check was way in before the bills and my shopping trip. They told us " We understand these overdraft fees are "something" but we cannot refund you the money".

Wait! The money was in there, and she just kept repeating herself. We now owe Bank of America $460.00. My husband gets paid in 2 days and our tax refund comes in also. So, I finally get to eat something besides Ramen Noodles. 2 weeks with no money, cause of them holding his check for 2 days and the overdraft fees left us with nothing but debt. Oh wait, his check won't clear for another 2 days, so it will be 4 days before we get some real groceries in our stomachs. We are closing our account when we pay those ridiculous overdraft fees with his tax refund that was needed else where. How are you supposed to get ahead.

Oh wait, one more! Last month, I had a bill paid through that online crap they offer. A bill collector calls me wanting payment. Um, I'm looking at my account, its cleared, and they say no, they don't have it. The Bill collector gets the check next day in mail but the bank cleared it before the collector received it.

This is what also happened with the case of paying my bills 2x in one week, asked me to hold the check because of a screw up and the check cleared anyways, she got onto me for not telling the bill collector to hold the check but I did tell them to, then 5 days later the Bill Collector Calls and says "Hey! can we run this check?". The vice president did not know how that worked? Funny huh, then she preaches to me not to use online BILL pay and there's a big ass sign by her desk supporting online bill pay. Go figure.

I inherited 250, 000 from a estate and put it into my B of A checking account. I requested a 50,000 withdraw after 8 months. I checked with the local branch manager as well as the SVP of Northern CA, Mr. **. I was told that, "That's no problem, come in Monday afternoon. Great so far. Upon coming into the bank and keep in mind, I made this request 2 full weeks ahead to give them time.

I asked the branch manager for my money and was told they don't have it. Bank policy is to limit a customers' exposure to robbery etc. by not giving out all cash at one time. Okay, but since they do not have my cash available, if I want my money, I, the customer would have to drive all over Northern CA to as many B of A branches as it took to get the cash.

My response was your policy was to limit exposure, so that means every time I go to a branch, I either have to walk in with all the cash from different branches or leave the bulk of cash in my trunk. So, 50,000 and say all I could get from each branch was 5,000 that would mean I'm exposed ten times. I could be robbed or had my car broken in or an accident or a car jacking.

No wonder the banks are asleep at the wheel and in trouble. I called the SVP Mr. ** and said that's not my job .I'm the customer and because of their idea for me to get my 50,000. I want all my money. The next thing I find that B of A refuses to hand back the money. Now, I did not think I would walk out that day, so I gave them a week to come up with the total amount. I was then told by the SVP Mr. ** that B of A would hand back the cash in three payments, I said no.

Your bank screwed up, no apology to me. It took 45 minutes of arguing before he allowed me to have my cash int two payments. I said, "You are not my parent or guardian, what makes you think you can dole my cash to me like it was my allowance. You are treating me like a child. He would be happy to give me a money order and I can try to find a bank to cash it or they will wire transfer to another bank. They did not want me to remove the cash from the banking system.

Bank of America has charged my daughter with16 overdraft fees in the past week. There were eight overdraft fees a couple of days ago and I got them to drop three. Then today, they applied 7 more overdraft charges! The charges make no sense to me as there were funds available in her account when the overdraft charges were applied.

Rude, confrontational response when I attempted to cash in savings bonds. I was told by the previous bank manager the steps to open and access an estate account. When we attempted to cash the savings bonds from my mom, we were humiliated at the teller's desk and told that we were not able to access our account. We stated that the last manager had told us the procedure and the manager said that "is wrong" and you will not be allowed access. We became upset and instead of diffusing the situation, the manager became very confrontational and inflamed the incident. The bank officer pulled up the account when my husband threatened to take out the money (interest free). She was flippant and said, "Oh, these are little accounts. Ok, we can close them."

They actually have a lot more of our money. Their attitude is always that the patrons are subservient to the bank. All the other BOA centers near us are very courteous and the managers there have excellent customer relation skills to handle us and resolve any problems for us. The attitude of the branch is very malignant in this economy. Poor customer relationsincrease the training. No legal consequences at this time. I will be watching them.

I am writing this to complain about the terrible customer service I received a month ago from a Bank of America credit analyst by the name of Nikki **. I placed a call to Bank of America to inquire about a couple of things: (1) I wanted to know why I was charged a late fee on my credit card when I paid my bill in the bank the date the bill was due, and (2) I wanted to know why my business credit card limit had been reduced.

I was then told that I would be transferred to another department. Mrs. Nikki ** and her very nasty attitude became quite apparent when I asked why are all my business accounts being reduced. She started saying I wasn't using the balances that had been provided and that I was not over and beyond my limit. I tried to tell her that I was trying to establish some good small business credit. She stated I no longer need those limits because I was not using them. She started looking at my credit which meant she was pulling it (which I did not authorize for her to do). I then stated to her that I did a balance transfer to take advantage of 0% interest being offered for a year.

She then closed the account I paid off without my permission stating that Bank of America had extended my enough credit already. Keep in mind all I was calling about was a late fee that was not late. As the conversation began to progress, she began to act cold and heartless acting as if I had done something wrong by questioning her about my credit. When I expressed my concerns over her closing my account without my permission and how I wanted to protect my credit, she stated she didn't care and closed the account anyway. I have excellent credit that I need to protect and have never been late in paying my bills. I am well aware that when accounts are close regardless of who initiates it, it affects your credit.

I then tried to escalate my issue by asking to speak with a manager who did call a few days later; she was not much help either. All I asked is to have the account re-opened. I have no problem cutting up the card and am not using it. I just wanted the account to remain open in a good positive standing and she stated she could not do that. I then asked, "Why is that?" When you took upon yourselves to close an account in perfect good standing, because of what? Does Bank of America not care for the small business of small businesses such as mine or is it that they only cater to large Fortune 500 businesses? Based on my experience, I can tell you what I think the answer is.

For me, poor customer service coming from such as theirs or any corporation for the matter is unacceptable. I have been a long time customer paying off automobiles and the convenience of seeing Bank of America on every corner was great as well, but enough is enough. Yes, one person, Mrs. Nikki ** can really ruin a great banking relationship and experience with awful customer service received on that evening.

I need some help! Bank of America is breaking fair trade laws and probably banking regulations, preventing me from getting a government restructured loan that I applied for and that they themselves qualified me for. They lost my entire tax returns 7 times, lost IRS documents 5 times, they kept saying they have them but another FedEx would come requesting them again and threatening not to give us the making homes affordable loan. Now after 6 months they are again asking for our tax returns and we have 30 days or we will have to pay 10,000 in back mortgage and not be accepted into the program. We are over a barrel, we have the proof that they are trying to force us out and we need someone to read the condensed version below.

We have no other choice but to send this letter to everyone we can think of that may listen. I signed up for the making home affordable with BOA back in July of 2008. I was out of work and they sent me a letter saying that I qualify. I called, and I did after all qualify for the program which would drop my mortgage by 1000 per month. I sent in all the requested docs, and then was asked for them again. I faxed them and they didn't receive them. These are full tax returns, w-2's everything each time. Two weeks went by and a FedEx arrives with a letter saying we qualify and we are to make trial payments to BAC home mortgage in the amount of 1900. That's better than 3000.

We start making these payments and get phone calls on Sundays saying that they are missing information. I call and they say, well it's not us that is missing information, it's the Hope team and here's their number. The Hope team isn't open so I have to call back Monday. They tell me that they don't need any info and don't know why I was asked for it. The next month they call and say they're missing the tax returns. I fax them 2 times and mail them once just for good measure. Three weeks go by and they now are missing an IRS form. I tell them that they already have it and end up faxing it in 2 times. They didn't get it after 2 weeks more and I fax it again and mail it.

Three more weeks and they don't have my tax returns and if I don't send them in I don't qualify and now I am on the hook for all of the back mortgage that I would have otherwise paid. I tried to use my Home Depot card to buy some stuff and it was denied. I called and found out that BOA had reported to my credit that I was defaulting on my loan and was reporting it even though I was in their own program. Long story short, they told me that it's automatic in their system and I would have to call every month to get the last months report to the credit agency removed. I did that, and I must every month. But my credit is still being affected.

Now back to BOA. We have been making our payments on time and we get a FedEx saying that we're missing some important documentation for our modification. Tax returns and such. More phone calls to all of the departments because the phone numbers that are on the letters they send are not the ones to call. In fact they are to other departments other than the right one. I fax 2 sets of our entire tax returns in and mail them too in their FedEx pouch. I call 2 weeks later to check up. The lady on the phone says we have received all of our docs and it is going to underwriting. I get another call on a Sunday saying we're missing some stuff. I call Monday and they say we're not missing anything.

Three more weeks and I call to check and the lady says congratulations! Now just wait for the final docs to arrive, sign them and you're all done. What a relief! I jumped up and down with joy. Three more weeks and I get a FedEx saying we're missing tax returns in their entirety, and form whatever from the IRS. I call and argue and then send them again and tell the people on the phone that I was already told we were approved and waiting for the final docs. There is no record that anybody told you that they say! Stress! Faxed returns again! Three more weeks and I call to check.

Now we're in December 2008. They have all they need and it's all going to underwriting. Christmas comes and goes and we are missing more paperwork. This goes on like this until today when I got another FedEx saying that I need to send them my entire '08 tax return, the hardship affidavit, check stubs from work ( I am still unemployed), a signed notarized copy of something else, etc. I was on the phone 4 hours today trying to get somewhere. Finally they are helpful and figure out that they indeed have everything and they don't know why BOA is asking for more. Keep in mind that if I don't send in these docs they will deny us and we will be liable for all of the back modified payments in cash and the next months mortgage.

That is 3000 plus lets see, 1100 for every month since September, that's right about 10000. The supervisor got on the phone and tried to talk me in circles telling me that I needed to send in the documents or I won't get the new loan. They have them and they are not willing to give them to the underwriter again. It is up to me to send them in again. I asked why I need to send docs that they already have and he said because they asked for them. All of these documents over 6 months they have lost over and over again and now that I am under a 30-day time frame, what do I expect?

I expect to get a letter after the 30 days is up saying sorry we can't give you the new loan because we didn't receive the docs. I have all of the proof of all the other times I sent things in, and I could have proof that I sent the new ones in too, but if they say that they didn't get them, I don't get the loan, and have to pay 10,000. All of this even if I can prove everything every step of the way. I need help, and I don't know what to do. They are making it impossible for us to get this government program by continually putting up roadblocks that they are aware they are doing. I need help! I have all the notes of conversations and faxes to them over the last 6 months. So much stress, I can't stand it. Consequence is relationship troubles with my wife and child, etc.

I am sick and tired of Bank of America calling me at home in the evening. I have requested many times for them not to call me at home. I don't listen to their spiel. I just say don't call me at home and two days later I get another call!

What do I have to do to get some relief? Do I have to close my account? I have banked there for over 50 years!

They charged me $35 a day that I'm in overdraft. I had no clue that I was so. By the time I noticed, I was in overdraft $800 and so I lost my whole student loan ($648) when it hit the bank which I needed for bills.

On January 22, 2010 I purchased gas with my debit card using a pin for $5.01 which would have left my account at $4.83. This is after keeping the change transferred. Then on January 23, I made an additional purchase of $3.00 using the same debit card with pin. My debit card isn't supposed to be used as a credit card but it has (even though I have asked the bank several times to disarm) been known to go through, so on the safe side I always pot for the use of pin, my account balance would have been $1.83.

I wrote a check om January 24 for $76.57. I thought I had my other check book from another bank. I realized my error and knew that I would owe the bank for one $35.00 overdraft fee but instead got charged for three $35.00 overdraft fees. I can not understand how Bank Of America can justify deducting 3 fees from 3 different days by saying that they take the highest charge first as a courtesy. How is this a courtesy when the first two charges were from two previous days not to mention that my payroll check went in the same night January 24, that all these charges went in?

I am not a person to write bounce checks or in other words this is a rare thing. I have called and asked several people to explain how can charging fees for 3 transactions when to should have been covered if they were deducted in order as they were debited. I could even understand if they were on the same day but not three different days.

I took out a mortgage with BOA 15 years ago, made all my payments on time. When I made what I thought was my last payment a few months ago, I was told my loan was in default. I have every payment I made for the last 15 years, took copies to my local branch and was told they couldn't help me and they told me to call the 800 number. I finally got in touch with an employee that was helping me. She told me that 3 of the payments I made were deposited into a bogus account number, most likely set-up by an employee that was stealing money from the branch where I made my payments. I thought that would resolve the matter, called her back to get an update and was told she no longer works there and they couldn't locate my file. I have been trying to resolve this matter for months. I contacted legal aid and they are not cooperating with them either.

I have been with Bank of America for over 19 years now. Now I have many weird problems with this Bank. I have many overdrafts and I check my account every day and I know how much money I have to spend and my daily expenses. I was notified I have $2300 charged in overdrafts and they said it's overdrafts, that's it. They do not explain anything about this problem and I have money left always for any emergency situation. So they said they want to look where the problem is but the money is still gone.

I have been banking with B of A for about 8 months, since then they have been manipulating my account in order for them to charge the $35.00 overdraft fee. Transactions change from cleared to pending in order to allow the bigger purchases to clear first causing my account to overdraft; not only that particular purchase but all the smaller purchases as well. This allows them to charge even more overdraft fees on purchases that were already cleared.

They have done this numerous times. The most recent incident; I had a total of five small purchases ($6-12) all of which had been cleared and $309.00 in my account. A check of $600.00 had been processed a couple of days after but was dated the same as the 5 small purchases and placed before them, causing a negative balance of $291.00 + 35.00 overdraft fee and five ($35.00) overdraft fees. Crooks!

I am in deep financial strain as I live paycheck to paycheck. I have yet to recover from the last incident from them and want to cancel my account but I am told that I have to bring my account to a positive and they charge an additional $35.00 fee every five days that I cannot pay the overdraft fees. Crooks!

I have been baking with BOA for almost 4 years. I did not have any major problems with them until this past year. My main complaint is their excessive overdraft charges. The last time they charged me 5 times, all in the same day, plus an excessive overdraft charge, to a total of $180! They refused to waive even the excessive charge. That was a lot of money and I could not pay bills. They did it in a sneaky way. One OD was probably correct, but they rearranged even the smallest checks or debits and slammed me. There have been a few more since then that were questionable. I was sure there was money in the account when I made the withdrawal.

Since this occurrence I haven't even been writing checks or using the debit, just paying bills online. Well, their recent charge was an electronic debit that made it go to minus $2, yep, and then there was their $8.95 fee. Yep, you guessed it, charged me twice! I hope that's not another charge! I was going to wait until the end of the month to close this as I opened a new account yesterday, they charge 0 checking fee, 25 overdraft, free check cashing, and 16 for custom checks, which is much more reasonable. So I will go there today and close it, and I will tell everybody to stay away from that back, they will steal your money. And they would not even wave one charge! After I've been a customer for 4 years. There will be one day I get an inheritance and believe me, BOA, will never see any of that money. I have trouble paying bills due to excessive charges and fees from BOA, totaling around 5, 6 hundred for the year for nothing!

As a novice using the online bill pay, I accidentally double paid some bills. This caused my account to become overdrawn by $264.00. I immediately went and borrowed money from a friend in the amount of $300.00 and deposited directly to a teller at Bank of America. I thought that this would remedy the situation, but it was just the beginning of over $700.00 worth of fees charged to my account--a real domino effect. I was not alerted or notified until after the fact.

The following day, I took off from work to go to my local branch to see if someone could help me. They were rude and nasty to me, claiming it was all my mistake for overpaying. I said that I was very new to this and would they please do me a favor and remove half of the fees, that I would be more careful next time. They removed $49.00 and I got very angry.

I said that I would be closing my account and the manager said, "That's alright, but not until you have a zero balance." I left the bank very upset and the spiral has continued to a total of almost $800.00 worth of fees in a matter of seven days. These people are raping us and there is no one to advocate for the working people. I am a school teacher and that is an entire week's pay. I tried again today on the phone, to no avail. What can we do to protect ourselves against these blood suckers?

My husband took $420 of my paycheck (direct deposit) out of the account Friday morning. One hour later, I was unable to buy gas at 7-11 with my card, so I had my husband check the account. He told me the account was $889,000 in the negative but the rep advised it would be available in 24 hours. The next day the funds were not available; the rep said 48 hours. The next Tuesday I checked the account and the rep advised me the account had $88.00 and nothing else was pending on the account.

There should have been at least $1000.00 left from my pay and my husband's, so I know they were incorrect. I was connected to risk management and Gabriel advised me that I deposited a money order for $3.00 and put that it was a $300.00 value and took $100.00 of it out and that was why there was only $88.00. I told him that was impossible since the CDs from the account were CXL and I only received them the day before I got paid and I didn't deposit and buy money orders. He talked to me like I was a liar and told me to go to claims and then refused to give me his supervisor, stating there wasn't one.

The same rep also told me that this account was an individual account and not a joint account with me and my husband. That was why his check never posted. When he added me to the account they removed his name from the account over the phone. We bank online, so we very rarely go inside. Gabriel also told me that my account was opened in the local branch. It wasn't. I was also told that I couldn't get my money until they closed the account on the 28th and mailed me a check. Bank of America is the worst financial institution. I never want to see them again. I was unable to pay bills buy groceries or even gas. I had to ride with a friend to work and eat ramen noodles for a week. I have 2 children that had to stay home with my husband since we couldn't pay for day care that week. He isn't being paid and now my rent is going to be late, meaning more fees.

I was away due to my father's death since November. Bank of America charged me $267 plus in overdraft charges for the same payee unbeknownst to me. They did not contact me, only thru regular mail. They did not try to contact me via phone, but continuously charged me $35 fees each time this particular payee tried to debit my account. This payee is a pay-day loan company that knows I am going thru a debt consolidation program, but continues to try to get their $$ thru ACH debits. I do not feel I am responsible for these debits.

When I called a representative before I left, I had a small debit in my account. I asked the representative to close my account. She stated that they could not due to debit. Then I asked if I could "block" this account from any further charges. She told them there would be a fee to do so, I believe it was $30 per payee. Which I thought was ridiculous. Bank of America is absolutely ridiculous with their fees. They take complete advantage of customers like me who are having a difficult time in this economy.

I believe that this is customer negligence on their part. I do not feel I should pay their fees ($267-plus) due to this. They have already received plenty of fees from me and I don't want my credit, license or credibility ruined over this either. I send an email yesterday, 1/26, explaining that I want this account closed and the fee issue. They advised me to contact customer service. I'm not doing that again. They seem reluctant to reverse the fees, and said it would have to go thru an account manager to close! Please help! This can't be the only complaint you have received regarding Bank of America. Thank you. It resulted to $267 in fees, in which I feel I should not be responsible for, and the account is still open! They will not close!

I was laid off, and had not deposited money for a few months into my BofA checking account. I called them and was told that they would waive all account fees for the next 3 months as well as reverse the fees generated from their account monthly fees. It's nice of them, I thought, and apparently a program they implemented in response to the economic crisis. Not only did they fail to do any of what they said, they closed my account without my knowledge about two months later.

Not knowing this, I made a deposit for just under $300.00, which the ATM accepted without a problem. This was 6 full days after they had closed my account, so the ATM should not have taken the deposit, obviously. Then, when I called, they were unable to look up my account, much less track the checks I'd deposited. Fine. I went to my local branch on the next business day. I was told my deposit amount would be returned to me via U.S mail, a new debit card would be sent to me, and my account would be reopened. In good faith, I deposited another $84.00 to reopen the account that day. I made this deposit personally with the bank rep handling it for me. I got a receipt.

Not only was nothing sent to me in the mail within 7 days, it's been 10 days, and not a single thing has come. Also, I cannot access my account using their customer service automated line, as it says it does not 'recognize' either my account number or social security number. Apparently, the account is still closed. Yet, that did not stop the bank from putting a check through that I had already told them about, having written it before I knew they had closed my account wrongly. So, now they are charging me an additional $35.00 fee on an account that doesn't even exist to them. Interesting, no? When/if the branch manager returns my call, I am not going to let them do anything but return my money, which will be over 350 dollars now, and will close my account. I will never bank with them again since this is how they treat loyal customers of over a decade.

I have a house cleaning business and I make my deposits daily at the drive-thru ATM on Washington Blvd./Patapsco Ave. Many times when I try to make my deposit, the "cash deposit" or "check deposit" button is already compressed, which will not let me click on the button on the machine. If a deposit is made by 8:00 PM, it will post that day. Sometimes, I go there within minutes of being able to have the deposit post that day. I've complained to the bank many times about the malfunctioning ATM and they keep telling me they will have it fixed, well, it is not fixed. Now, my account is overdrawn and they keep charging me fees because if the account is still negative after a week or so, they charge you another fee and it keeps going up.

They also state that if you are only negative a minimal amount, you will not have fees assessed. I was only negative $7.11 and that's what it says on my online account, but they still charged me a fee, and then it was like a domino affect. I told them I could not make my deposit because the button for "cash deposit" was already compressed. I had just made a couple transactions that day and had until 8:00 PM to deposit money so my account would not be overdrawn. But, because the ATM would not let me do so, I had to wait until the next day and by then, I was overdrawn. I get paid every day by my clients and make my deposits every day as well. I've been with the bank for over 2 years.

They also raised my monthly maintenance fee from $5.95 to $8.95 and offered a free checking if opened online. I did so, but my PIN never worked. I complained several times and all they kept doing was send me a reminder of the same exact PIN, that would not work. I would have used the free account I opened if my PIN had worked, therefore, I had to used my original account and after they would take out my monthly maintenance fee, other items came through, and I'd be overdrawn even more. I think it's a scam and a way for this bank to get more money out of their customers, whom they claim they value so much.

It's ironic because this is the same bank that was awarded millions of dollars for a bailout, but, doesn't care to help their own customers with problems like mine. I've switched banks and I've told Bank of America that all I want is to have my fees returned, for an ongoing problem that's not my fault and I want a zero balance so I can close my account.

I am being charged overdraft fees based on the available balance of my account and not the actual balance. Bank of America places an authorization on funds when a debit card is used and even though the funds don't leave the account for 3-4 days the available balance causes overdraft charges when the actual balance is enough to cover the incoming transactions plus the authorization. Then when the authorized transaction clears the account, there are more overdraft charges because the bank has assessed the account the previous overdraft charges.

I have been fighting with Bank of America for over a year about the way that they assess these fees. It is unfair to the bank customer and if Bank of America did not have my mortgage, I would move my checking account to another more customer friendly bank. I have paid $420.00 in over draft charges since December1, 2009. I get charged at least two-three $35.00 fees every month and sometimes more. I am at three already this month and will probably get more. Their system is impossible to keep up with. If I see that my account is in the negative, I make deposits to counter act the negative and still get hit with overdraft charges. Bank of America is killing me financially. Please somebody help! I am struggling to meet my monthly expenses and put food on the table for my family because of the excessive overdraft fees that Bank of America charges and the way that they use the available balance and not the actual balance of the accounts.

I applaud the work that the Administration is doing to Wall Street in regards to banking policy. I was promised by Bank of America to have no more $35 bounced check fees and that they would be reduced to a sane level of $10. I am on a fixed income. I am 50 years old and unemployed because companies and organizations do not hire 50-year-old men.

I am in law school now because that is the only resource left to me now. Again, I am on a fixed income and cannot afford this raping of my checking account. I want Bank of America to be reduced to their wonderful California levels back in the 1980's before I lose it and sue Bank of America in a class action suit. Anyone else with similar issues?

I opened a checking and savings account 3 months ago, I had direct deposit, I kept the change savings and was suppose to have overdraft protection. On 1/15 my deposit went through and for some unknown or unexplained reason they had my funds on hold without letting me know. Due to that I incurred three $35 overdraft fees.

I called customer service to complain and find out why the money was not debited from my savings, the 3 fees overdrew me by $1.43. The representative refunded the $105 in fees and promised to set up the overdraft protection, although he failed to tell me the credit would take 4 days to post, so while waiting for my money to be returned by them I got his with 2 more fees of $35 each which meant for the 2nd time the overdraft protection was not set up.

I did an online chat with a representative named Morgan who was extremely rude and basically told me she would be more than happy to close my account rather than help me. I left the chat with no resolution and no action to be taken. I then did another chat and got a representative who did refund the $70. Two days later I checked my account online to see if the refund had posted and noticed my savings account was closed. I had to call once again to have it reopened and they had no explanation as to why it was closed. Thinking this was finally resolved on the 22nd at about 6am I checked my account online again just to be on the safe side and now the checking account was closed.

I once again chatted and found out the rude representative Morgan put in a order to close my accounts just to be mean I suppose. I had to have the account reopened and finally got a supervisor named Korey who assured me the account was reopened and my balance would be available within a hour. Seven hours later I check my account online and I see a $0 balance.

Again, I have to call and I got a representative, Amanda, who has no idea what happened to the money so, I asked for her supervisor. The supervisor tells me they decided to mail me a refund check on my account balance for whatever reason - no one seems to know. I was so fed up at that point that I did ask her just to close the accounts. I was even declined to go to a branch and withdraw the balance instead of having to wait 2-3 weeks for a check when I haven't even been able to use any of my money at that point in 7 days.

In addition, I had to keep the change savings account where I am matched my deposit 100% for the 1st 3 months. While waiting for my refunds I had to transfer all my savings to cover my checking so I would not incur more fees, so I lost $52.05. I did ask to be compensated for this and was told, No. I lost $52.05 out of matched funds from having to transfer money to my checking account to cover the overdraft fees I was charged while waiting for them to be refunded.

I made a deposit on January 15th 2010 into my checking account. The deposit was a check from Scottsdale Securities. I noticed on January 16th an 11-day hold was placed on my check. I informed Matt that the check had cleared on my account on January 19th. I provided proof to a branch manager in California but they said that even with the proof of payment, Matt would not release hold to pay bills.

The account has been negative since January 19th with two overdraft charges and since January 20th, I have been without funds.

I'm a victim of overdraft charges to the tune of $2,100 over the last year. This is in increments of $35 per charge. Admittedly, the bank has done nothing wrong, legally, however maybe morally. I did not know of these overdraft charges and when I asked for help, Marsha *** said they had given me $167 credit. I did not find that credit and worse, she could not tell me when.

When asked if she could give me anymore of the $2,100 in overdraft fees, she refused. When asked if she had the authority, she refused to answer. I think it's immoral and unfair simply because I'm a struggling mother of two little girls that can't pay my bills as a result of this amount being ripped from my account. BOA did get TARP funds. We helped them. She won't even help me.

I had opened a checking and savings account through my employer who offers special accounts with this bank. I received a letter in the mail a week later advising that they would be closing my accounts due to not meeting the requirements to open an account. They had already debited my current checking account for the opening deposits though. I went into a branch the following day and withdrew that money and the teller asked if I wanted the accounts closed. I advised her that it was already being done.

Three months later, I receive a letter in the mail regarding my open account. I called the number on the letter and got transferred around. I was advised that the accounts were closed but still showing active and that I had a -$10.00 balance on the savings account for maintenance fees charged the last two months. I asked why a closed account would be charged fees and the representative couldn't tell me. When I asked when they would be removed, she advised that because they were maintenance fees, they wouldn't be removed. I asked to speak to a supervisor and was put on hold, then told they were busy and when I requested them to call me back, I was advised that they can't make outgoing calls.

Who has ever heard of a supervisor not being able to make outgoing calls. I have worked in call centers and have never heard of an experience like this. I am now glad that they closed my account because I would not want these incompetent people dealing with my money. They may be reporting to my credit if not paid eventually.

The bank charged Overdraft fees twice for a total of $70.00 on 01/13/2010. At the same time, I could not verify on online statements and available balance history that my account has been short. I have only a Debit Card. I decided not to have Overdraft Protection. I called Karina, the supervisor at the branch when I opened the account back in 1998 but she did not it explain well.

I asked her that I could not see any negative amounts. And I do not understand why transactions go through if there is no enough fund in it. Aren't Debit Cards supposed to work like a cash card? I do not ask the bank to cover the short. Transactions should be declined if there is no enough fund.

I believe that BOA trapped customers with this kind of system. They would cover the purchase of payment using debit card even though there is no enough fund in it. And at the same time, they will charge fee of $35. Easy money for them, but it is illegal.

They keep calling me; they have a wrong number. I do not know the person they are calling and when I tell them that, they keep saying something 'brainless' like "your number is not on that account." So when I say that I didn't call them, they called me to ask for some guy I don't know and have never known. I hope that I never meet this guy because I'm so sick of hearing Bank of America ask for him on my cell phone.

Bank of America charged me over $1330 in fees for overdrafts. Keep in mind I had direct deposit and the money Bank of America covered was never outstanding for more than two to three weeks. I contend that paying over 600% annual interest to cover $100 to $200 for two to three weeks is just greed by Bank of America. Credit cards don't even charge that much. Credit cards charge up to 30% interest, but no more. Bank of America lends me the money for two weeks and charges over 600% annual interest and sometimes more.

For example I have had charges of $40 that were charged $35 in overdraft fees. That is 87% monthly and 1044% annual interest. I would be willing to allow them to keep $5.00 of each fee which is reasonable for processing. Please advise if you can help. The consequence is over $1330 fees paid to Bank of America as a result of overdrafts.

Repeated attempts with CSR for assistance with balance, none was offered. The account was sent to collection with enormous late fees, over limit fees, etc. They're now threatening court or tax involvement.

After signing up checking/savings accounts through their promotional code offering $75 after 90 days (with direct deposit and online bill pay service), I never received the money. After 90 days, I called Customer Care who said, "Oh, that's terrible, let me fix it, but it will take an additional 30-45 days to receive your promotional $75." After 45 days, still no money. I called, again, to be told that there is no record of this ever being signed up, and without the "code", they can't help me. I said it was 6 months ago, isn't there anyone there who can confirm which code it is? Nope. I was then advised to "weigh the pros and cons".

I'm closing all accounts this morning! They've cheated me out of the $75 that is rightfully mine, and they have no intention of honoring any of their new client promotions.

My fiancee lost her debit card on November 20th, 2009. The criminal charge was about $340.50, which resulted in penalties of $105.00, and still another illegal penalty they are posting on 01-25-10. All of these transactions are not ours. We have contacted the bank several times and all we get is that the investigator will call us. A week has gone by, the fees are posted, and still no call. We feel that we're getting taken advantage by the bank and need some help. If none will come, then I feel responsible to report this false accusation against Bank of America. Lastly, it was the bank that called my fiancee in regards to all the illegal transaction that occurred. They knew that those shopping patterns were not ours so they froze our account. Now they are reversing the claims.

We are struggling having very little in our account. It's a stressful ordeal and looks like it's not stopping. That money they are stealing from us is the extra that get us by to the following check. Now we're trying to figure out how to get grocery to feed our kids. It has been hard to not go to work and think about our false accusation. Thanks for your attention hope to here from you.

I deposited a check into one of their ATM. It was my first time at this particular ATM. The ATM noted it was returning the check, which happens at times, but instead of spitting the entire check out, it spit out a corner. Meaning, I would have to tear the check, $5,500 check. Mind you, not a small amount. Their ATM then ate the check and spit out my card, no receipt, no check. I was a bit flabbergasted and confused. I went into the branch and asked them to retrieve it. The woman went into the back office and came out to inform me they are not able access the drive through ATM. She then informed me I would have to open a claim, what? Am I hearing you right for a simple deposit? Well, we did that at the branch and the young lady who opened the claim informed me a credit would be issued that evening enough to cover $5,500.

I was a little surprised it was that easy and I had every right to be under that impression. I noticed my balance had not gained that amount the next morning and that there was no deposited or credit to that amount made. I called to check on the status, thinking maybe it would need another day to clear onto my transaction list. I was told by everyone I could get a hold of that not only would they never ever offer a credit but they would never do it unless they had proof I made the deposit and that if they decided to give the credit, it would be ten days after the onset of the claim. They also told me there would be no guarantee the deposit would ever be made, ever. That it may very well be the check would just disappear.

I was advised to just have a new check sent as they would not be able to do anything at all. Even if they were to find the check, they would not offer compensation if they did not want to based on the condition of the check. So let me get this straight. Your ATM takes my check against my will, not registering the deposit and your exceptionally slow ATM guys can take their sweet time (10 days) to recover it. Then you still may not accept it. What crooks and oh, how much I love the insinuation that I'm trying to rip you off. Zero responsibility!

Some direct marketing company got my personal debit card information and charged a subscription to my account. Bank of America would not reverse the charge after I reported it unauthorized and would not block the company from using my debit card information for further charges. As a result, my account is now overdrawn with a negative balance.

I just started banking with BofA months ago.I was warned about that predatory fees and practices but my mom swore by them or she did until this incidence. I recently had an overdrawn balance and incurred an overdraft of $35. This is normal procedure so no problem. It was my mistake so I have to pay the fee. I have my paycheck direct deposited into my account making my account current, just to check my balance the next day to see that I was overdrawn again. I checked online to see a One-Time Extended Overdraft fee of $35 that posted the day after my check was deposited causing me to be overdrawn again. I called about the one time fee and was told that I could not get a courtesy credit.

So I was overdrawn again so that another overdrawn fee and to top it off. The transactions that was pending and already deducted from my balance was added back to my account and debited again (which the rep I spoke with says that is standard procedure with authorized pending charges) causing another overdrawn fee. So I was charged overdrawn fees twice for the same transaction, pitiful. I immediately closed my account and will never have anything good to say about Bank of Scams or Fees known as Bank of America

I've always heard that banks will process your charges before they process your deposits as an extra way to rip you off. This week, Bank of America got away with $82 of my money because of this evil plan. I'd had $54 in my account for about two weeks. So on Sunday, I spent a total of $14 at Walmart and the mall when I got back to college, leaving me with $40. Monday morning I spent $31, leaving me with $9. At 1:40 pm, I deposited $105 into my account, and an hour later, I spent $21 at the mall. By Monday afternoon, I had negative $12 in my bank account. By Tuesday, I owed $82 because of two overdraft fees. Today (Wednesday), I have a balance of $22 because they finally processed my deposit.

They strategically waited until all of my charges went through before adding my money. I thought out all of the possible scenarios that might have put me to blame so I could have a logical comeback for everything they threw at me, and then made the call to my local branch. In less than 11 minutes, the woman I spoke to had implied that I was uneducated, a liar, and someone who obviously had no math skills because I apparently could not stop myself from overdrafting. She also made me cry.

I was still persistent, though, and I knew that she could see that I had my facts right. My intelligence is the one of the few things I feel fairly confident about, and the fact that she was reduced to taking cheap shots at me to try to discourage me really made me upset. When I asked to speak to someone who could give me the education she thought I needed, she tried to pawn me off on Customer Service. I then told her to transfer me herself because I wasn't going to trust any number she gave me, and she refused that, too.

In the last three minutes of the call, all she did was tell me that the only way I could prove that they were wrong was to bring in the deposit slip, but I had thrown that away when I got to the mall because I had already memorized the balance. I eventually called Customer Service, and the man I spoke to was the complete opposite of the woman. He told me that once the deposit was completely processed, the time should show that I was correct and that I can call C.S. back instead of the bank, and get it refunded.

I'm still waiting on the deposit information to go through, and I wouldn't be surprised if the time on it was incorrect, too. I'm going into the bank next week to cash the excess money I get from school each semester, and there's no way they're going to get any chance to touch it. I plan on making them give me $1925 in the smallest bills possible just to get a small amount of revenge (immature, but oh, well), speak to the manager about the employee, and then cancel my account.

Economically, I'm out $82 of the $100 I got from my dad for Christmas. Physically, I've probably gained 600 wrinkles from frowning. I could have dehydrated from all the crying I did, too.

I had a credit line of $12,400 this morning with BoA. A few months back, my daughter (lives in Pennsylvania) had an emergency and I've been trying to keep my head above water since then. After trying everything else, I decided that I should transfer money from my BoA CC to my checking account and consolidate two credit cards, both of which I am over limit. So instead of helping me, Josh ** (of BoA) said that they cannot transfer funds from my CC. Oh and by the way, he closed/cancelled my CC so I have no credit there now. I said, "I called you for help because I am drowning in fees and instead of helping me, you further damage my credit by closing my credit card?".

Anyway, I'm frightened. Add to the stress, my husband has no idea. He's a wonderful, hardworking man but he has never had children so he doesn't quite understand the panic a parent feels. I am not lazy either, I just got over two weeks with pneumonia caused from working 90+ hours weeks. I am scared to death. I actually need about $500 to get on an even keel. I am not looking for a way out of my obligations, just a little help for right now.

Here is what happened to me. First, I was told that I qualified for free checking in My Access account. The next month, the $9.95 charge showed again and I went to the banking center and complain and they said it would be fixed in the next cycle. It was not.

My next complaint has to do with there automated service charges that can occur after you close the account. The Banking Center refused to refund the $35 charge for a bill payment that was supposed to be disabled by the bank.

For such a large bank, these errors are completely irresponsible and reflect badly on the company. I was never refunded the service charges after I closed the account nor the $9.95 monthly service charge which they billed me for well over a year, despite numerous attempts and promises that it would be taken care of by banking associates at the Woodcroft banking center.

I went to a restaurant, the bill was $102.34. I paid $100 cash, charged to my debit card for $20. I was charged to my card $102.34 and $20. $102.34 still pending which I never signed. I talked to the restaurant, they only have $20.00 transaction on my debt. So why is BoA holding my money when there was no transaction happened?

I have an IRA with Bank of America. Within the IRA I have a 1 year CD, which matured in late December 2009. I received a letter from Bank of America on 1/8/2010 saying me CD had automatically been renewed at a rate of .60%. I looked online on the Bank of America website, and they offer much better rates than the meager .60% they gave me. For example, they offer a money market IRA that pays .70-.85%. They offer a 12 month High Yield CD IRA paying 1.35% at 2k minimum, which I easily meet with my existing IRA. I talked to someone at the local branch in Canton CT and could not get a better rate, and told me I will incur a penalty if I close my account.

Our account was placed on hold, which we discovered on a Saturday morning only because our card was denied at a restaurant. After 45 minutes on hold with customer service representative, we got no help. They didn't know why it was on hold and it looked like we still had all our money in our account (even though the automated information we heard first was that we were $800 overdrawn). So we got told to call Risk Management. After being first disconnected with first representative, and sent to a voicemail that was defunct (after being told she was going to help me) by a second representative. I called Risk Management a third time.

This representative was nice, but not any more helpful than anyone else. He could not tell us why our account was on hold, only that did it. And that she, that one of thousands of employees at Bank of America, was the only person who could take that hold off. And she was not back at work until Monday! I was also told that there was no one else who could help me. That there were no managers there all weekend and supervisor was going to tell me the same thing! Basically I was being told that there was absolutely nothing that they could do for the next 48hours. We were being penalized, being completely cut off from all of our funds, our money, our account, for 48 hours, with no explanation, for no reason! This is so ridiculous, so unacceptable I was practically in tears by the time I got off the phone 2 hours later.

I made a deposit at a BOA branch on 12/16/09. The teller didn't clear my information and cashed a $500.00 check for the next customer using my account information. On 12/31/09, BOA took $500.00 out of my account to cover the check that bounced. I contacted them on 01/03/10 and was told to call back the next day if I wanted information on my account. On 01/04/10, I contacted BOA again and was told that the $500.00 was removed because I had cashed a bad check.

I tried to explain that I didn't cash anything and the rep got defensive. She then transferred me to the claims department. The person in that department was even less helpful and more rude. She informed me that she couldn't help me and immediately transferred me back to customer service where I was greeted with an automated system. I then took off time from work to go to a branch for assistance. The representative there really didn't believe me either.

I got upset and requested information such as the name on the check, name of the person who wrote it, date it was cashed and branch it was cashed at. After she obtained that information, it was obvious that the teller made an error. After that, I was told an investigation would occur and I would get my money back in maybe 48 hours. After I left that branch, BOA then charged me four $35 dollar fees for overdrafts.

On 01/05/10, I called back to BOA to find out when I would get my $500.00 back and to request the fees be removed. The rep removed the fees but told me I would get 4 more the next day and that I would have to call back and get those removed. She said they were pending and she couldn't cancel them. I was also told that the bounced check was mailed to me and that they expected I return it to a branch as soon as I got it.

I just find it crazy that when a company make a mistake, no one takes ownership to fix it. No one contacted me to apologize. No one really cared. My bank account was in the red for almost a week due to BOA's mistake.

We submitted a subordination request along with the required $125 processing fee on 12/2 and were told it takes 10 business days. We followed up on 12/21 and were told it appeared there was more information needed but nothing noted at to what or showing anything was done to notify us what it was. We were then told an email would be send and someone was required to respond within 24 hrs. 36 hrs later still nothing. I called back again, and told there was nothing noted in the account about our previous inquiry but would send an email and someone would respond within 24 hrs. Again, nothing. I called again, same thing and was told it would be "escalated". I called back, no record. We were given the email address to send an email ourselves as it was explained that email was also their only source of contact with that department.

They have no number or anything. To find out the email address was incorrect. Followed up again and was told they would escalate the matter and would contact her department supervisor and one of them would call back by the end of the day. Nothing. I followed up the next day and semeam story, different day. The borrower has lost his rate lock and spent $125 and no one can contact the subordination department to resolve this matter. There are an abundance of complaints logged in forums on the internet about the same problem. Something need to be done especially since they are charging customers for this service and then not only not producing but not allowing any way of contact after paying a fee.

Bank of America has very slimy practices for account holders. There have been many instances when we have found ourselves overcharged for being overdraft. They have common practice of delaying your payment of large payments first and allowing the little payments to accumulate so that when they do put in the larger payment, it pushes you into overdraft.

This happens on a regular basis. Several times, we have requested payments to be made. They should post within two days. Then, the payee will call and say that the bank has issued it and subsequently take the payment back. Now, since this take back processed has taken a week or more, we go on with our account activity as if they have been paid. Again, we have been seduced into overdraft.

They really need to revamp their overdraft charging system. We have attempted to recover these unnecessary charges. Once, we were charged seven overdraft fees for one overdraft as they repeatedly put through payments that they know are already being made on the account with insufficient funds. We did once protest and ended up with a $12 balance.

Weekly, my husband has to call about their ridiculous overdraft procedure. The government is soon to pass, hopefully a bill limited the bank's ability to repeatedly overcharge the account using this stupid overdraft policy. i advise all to write to their representatives in support of this action.

I had a personal bank account with Bank of America. Suddenly, I began getting unauthorized debits from my account. They began monthly and slowly progressed to biweekly, weekly and finally, every other day. I continuously contacted Bank of America to inquire what the debits were. The personnel was unable to tell me as "there was no information" according to them. This became an inconvenience for me because I kept track of my bank account and I would make purchases, payments, etc., according to my direct deposits. I was being assessed NSF fees continuously due to the unauthorized debits.

After several fraud filings, my account was credited only partial amounts for the NSF fees. The debits continued so I went to my local branch to seek assistance since the phone customer service representatives were of no help. I was advised by the local branch manager that the best thing for me to do was to close out that account and reopen a new one, so I did.

Shortly thereafter, I deposited a $2,000 check which was issued to me and was told by the bank branch that the funds for that check would not be available for two days. Two days later, I attempted to check my account online and was unable to log on. My password was "invalid" so I called the automated system and I was horrified by what I heard. My account was overdrawn $888,000! I quickly began making phone calls to the bank wanting to know what was going on. I was transferred to many different departments.

Finally, I was given a phone number to call the "risk department" so I did. The customer service representative advised me that my account had been closed because I had deposited a check from a non existing account and that it was considered fraud! Again, I was horrified, I quickly took time off from my job and went to the business who had given me the check. It was a very reputable car dealership who had given me a refund for a down payment I had made towards the purchase of a new vehicle. Since I changed my mind about purchasing the vehicle due to the terms, they reimbursed my money with a check from the company.

I went into the dealership extremely upset and advised them what my bank had told me regarding their check. They went to work on it quickly and contacted their bank who confirmed that the check had in fact cleared already with no problems. I felt like a fool! I then contacted Bank of America once again and this time, I spoke to a different person who advised me that the check I deposited was in fact good and had no earthly idea why anyone would tell me otherwise and then said that I was making the whole thing up! He then told me that my account had been closed because it had been overdrafted a numerous amount of times. I told him that the account was brand new and the reason I opened the new account was at the suggestion of the local branch manager.

I was advised that I should have never closed my previous bank account and that there was no record of me ever filing reports for unauthorized debits and there was no access to my previous account! I was mortified, I then asked about the money that was in my account when they closed it which totaled approximately $4,000 due to a recent payroll deposit in addition to the check I had deposited two days before. I was advised that I did not have access to my money and wouldn't for 10-14 days which was the time it took them to completely close out my account! I was furious! I had not a single dime in my pocket, my payroll check and an additional $2,000 was being held by the bank for no reason for two weeks.

I made persistent phone calls to get answers and all the representatives were rude, some were even sarcastic and would mock me by chuckling at the fact that I had no money and no access to my money. I finally got one representative to advise me that he had located the numerous unauthorized debits that I had filed and that he would take care of the situation for me. All I had to do was give him no more than two days to rectify the problem and reinstate my account. I waited the two days and still, my account was closed. My bills were due and I still had no access to my money. And to make things worse, I could no longer get in touch with the customer service representative who said that he would fix and reinstate my account.

I spoke to several representatives who told me that no such thing could be done and that my account was in the process of being closed so it would take an additional 10-14 days since I requested an investigation. I was desperate since I had no way of paying my bills. And now, I had to wait an additional 10-14 days. Once again, all my reports of unauthorized debits were nowhere to be located and all my information had somehow disappeared.

One month later, I received a check from Bank of America for less the amount that I had in my account. I once again contacted Bank of America and they advised me that they had a fee for closing out the account and since I had requested an investigation for the unauthorized debits, there was an additional fee assessed! In total, they kept over $200 of my money. I was fed up with the bank so I went to a local branch to cash the check I was sent by them. They refused to cash the check because, lo and behold, I didn't have an account with them and in addition, they told me that they had no way of knowing if the check I was presenting to them was authentic!

I showed them the letter, the envelope and the stub the check was attached to and the branch manager told me that they could not cash it because I did not have an account and that the check might be fraudulent. I told them that if the check was no good, then they would have to take it up with their "risk department" because that's where it came from. The manager and the employees were extremely rude! I finally made a scene by threatening them with a lawsuit, the branch manager then told me that he would cash the check but if it was no good, he would personally go looking for me! Bank of America Corporation are the biggest thieves I have ever encountered!

Every cent I had was held hostage for a month. I was assessed late fees for my home, my electricity was disconnected which assessed me an additional $100 to reconnect, my cell phones were suspended, I had to pawn some of my jewelry just to get gas and make it through the 10-14 days they claimed it would take to completely close out my account, which ended up taking 30 days. I had no money to buy every day essentials since I get paid on a monthly basis. Bank of America placed me and my family in a very bad situation for one month!

Although I have never had an account with Bank of America, in recent weeks I've received approx 25 calls from B of A, as often as 3 times per day. No opportunity to opt out as they hang up. Visit/discussion with branch manager in Tempe, Az, resulted in no help whatsoever, after a 45 minute wait I was told to contact customer service by phone!

We have been banking with B of A for about 15 years. We have all of our accounts through Bnak of America including checking, savings, mortgage and a home equity loan. We are in the process of adopting a child from Kazakhstan and one of the many requirements is that we need a letter on letterhead simply stating that we hold accounts with B of A and our accounts are in good standing. I went into our branch the other day and they told me they could NOT do that.???? They said they can not issue anything on letterhead.

I came home and called the corporate offices and they told me the same thing. They said "Sorry we can not do that for you!!" I am mortified to say the least. For one, we NEED this in order to adopt our child and two, they lent us the money for the adoption and they have "adoption loans"!!! Is this for real?? I feel like I am in the twilight zone and this is just a bad dream...Soooo discusted!! I called another bank and they said if I opened an account they could give me the letter I needed that day!!

Bank Of America despite all of its government bailout money and assistance refuses time and time again to assist its base of customers. Bank of America has absolutely no interest in offering any real customer service to its employees, instead it tries to beat them in as many ways as possible with new fees and inconspicuous charges. Bank of america erroneously charged fees to my account that I could not get waived. When I called to confront them about these fees there was a care free, "oh well" attitude with no interest in helping.

I've had a student acct w/ bank of america for almost a year and a half now...I noticed that there was an online merchant tapping my accts for a great deal of money... When I contacted the bank about the incidents, they just kept giving me the run around...When I told them to close the accts, they kept telling me that they could not do that because the accts were in the red, and that I would have to pay for the transactions that I was not responcible fpr before the accts could be closed...Through much heartache I finally managed to get the rep to "close" the accts, but was told that the accts might not get closed...Is this the way BOA should handle it's "valued customers", by attempting to force them to pay for transactions that they were not responsible for? To all who read this, I HIGHLY SUGGEST that you not use Bank Of America, or if you already are, switch your bank....

On 31 July my debit card expired, in June I called Bank of America to inform them that in 2005 I had a problem getting a new debit card, I was informed by the person I was talking to, their was nothing thy could do, and It would be automatically sent to me on July 15th.

Merry Christmas Bank of America

My wife and I went to the bank in November 2009 to close our checking account. We both talked with the bank manager and told him we wanted to close the account. He had us turn over our debit cards gave us the balance and said we'd get a notice in the mail confirming that we'd closed the account. We recieved a bank statement one month ago showing one cent in the checking account. Today we have a notice saying we owe the $8.98 for service charges on the account. What do we have to do to get rid of these guys? If they were going to assess a service charge for closing why wasn'yt this done the day we went in person to close the account. I don't think we owe them a thing.

I'm concerned that if we dont pay they'll start to charge us overdraft fees. I dont want to just try and work with these guys alone. The reason we changed banks in the first place was due to really lousy customer service. My wife and I currently have $4,300.00 dollars worth of debt. We paid our mortgage off with BOA in May of 2009 so we're not some of these folks that are disgruntled about paying interest on debt we owe. We just want to end business dealings with these clowns. Should we get an attorney because if they're saying we owe $8.98 as of 12-15-2009 I'm sure we're incurring overdraft charges according to "Bankster" logic. Please advise. Oh and my complaint is just that we closed this account and shouldnt have to pay a dime since we were'nt told of the charges at the closing.

Thursday, 12/24/09 at 2:55pm--I called to inquire about the Finance Charges of $7.28 on my December statement. I first spoke with Mr. Steve M. Steve explained to me that I made a purchase on the card and that I could only use the card for balance transfers. I did not know that I could not make a purchase on the card without being charged a finance charge.

Steve asked me to hold on--he then transferred to Seth to have my information updated. Seth was very disrespectful. He spoke to me unprofessionally. He asked me:(1) "Where do you get money from to make payments on one card that you done make the same on the other?",

(2)"You received $4300, what did you do with that money"? (3)"Do you have a savings account somewhere?" (4) "Where are you getting all that money from?"

He then told me that he was going to close my account. I then called the account that he was going to close and spoke to Cathy. Cathy informed me that Seth did not close the account but lowered my line of credit. Cathy stated that she was not going to comment on what happened, but she agreed that Seth was right to asked those quesrions.

By the way, I did not answer Seth questions. My monthly payments are always on time and I pay over the minimum payment each month. Seth was rude, disrespectful and very unprofessinally.

I went into b.o.a. to the atm to deposit a check. It was a check that was in my fiancee's name. We overpayed on our truck insurance and was refunded. I, at the time had the account in just my name. She endorsed the check, and i deposited the check. Unfortunately, being in a bit of a hurry, i forgot to endorse the check. Had we gone to the regular teller, she just would of told me that i needed to sign the check. Anyway, the atm took our check and the deposit was completed. The next day the check cleared. We were able to access our money without any problems. I had every reason to think i made a normal transaction. At this time i wasn't even aware that i had not signed the check. I was never notified of any problem. It wasn't until a week or so later when i went to check my card balance by phone that i found a problem. When i called it said my account was overdrawn by a rediculous amount of money. Over 800,000 dollars.

So immediately i called customer service. The woman accessed my account and told me that it was closed. When i asked why, she told me that it was decided that it was to be closed and that there was nothing i could do about it. That was it. I was shocked and didn't know what was going on. I was never contacted by b.o.a. that there was a problem. About two days later i got them back on the phone and demanded to talk to someone about what happened. I was finally given a little information that it had something to do with a third party check. I was not given any further info at the time. I am a father of four daughters ages 11 to 17. I am in the home construction business and due to the bad economy i was recently laidoff and have to collect unemployment benifits. I have lost almost half my income due to the layoff. I am the sole provider for my girls so right now every dollar counts. We only had 68 dollars after our bills to get to the next unemployment check.( two weeks away )

Without trying to contact me that there was a problem, they froze my account and we were left with no money and no full explanation. I went into the local branch where i opened the account,along with my fiancee of 18years. Mother of all 4 of my kids. I explained the situation to the bank rep. She looked into it and it was at that time i found out i forgot to sign the check. We explained what we thought was a simple mistake and informed them that i was supposed to cash the check that nothing illegal had taken place. They told me that because i had opened the account recently i could never open an account with them again. We filled out a statement at the bank and had it noterized at the bank. Had the letter faxed from the bank to the main office. I was told i would get my money back in about a week. NO MONEY. I called several times and spoke withseveral reps. All they could do they say was put an escallation on the account.( whatever that means..)

One rep told me my paperwork was received. Two more weeks passed no money. The last time i called a rep told me that the paperwork had not been received and had to be re-faxed to an internal number that i could not be given. Made absolutely no sence. I wanted the number to make sure this time it was received and was told to take it back to the same person who sent it wrong to begin with..... Is it just me or are they playing games? b.o.a. has no regard for the common hard working class family and i am discusted. It has been 2 months now and we still haven't got anything back but a hard time.

My daughter has a campus edge checking on which I am on as well. She was away for the holidays and had some overdrafts. The first was for .12 cents. The second was a debit for about 6.00 and the third was for 6.00 which made the total overdraft at the end of the business day around $12.00. I transferred fifty dollars when I saw this.

The next day she was hit with 3 overdraft fees totaling $105.00. I called the bank and asked for a refund based on my relationship with the bank. I have been a customer since 1995 have several personal as well as busimess accounts. I also told them I thought it was theft to charge $105.00 for an overdraft of $12.00. I thought that BOA had put a stop to this. They informed me they could not charge the overdraft fees if it was under ten dollars. But they were charging a fee for an overdraft of .12 cents, and 6.00. I was given to a "supervisor" who was rude and asked me "why should the bank take responsiblity?" Well I was angry and hung up before I thought of asking him why as a Taxpayer did I have to take responsibilty for BOA in giving them a bailout.

But anyway..I went online and chatted to a representative who gave me 2 of the overdraft fees back becuase really it was the moral thing to do. Then I see another pending 35.00 later that night so I call and the rep wouldnot tell me what it was. She said I needed to call back in the morning. I knew what it was. It was another fee, because the two fees they were giving me credit for which would post the next morning had caused another overdraft.

I called the next morning (on the chat) and the rep either couldn't or wouldn't understand that I had not overdrawn my account, they did. She kept insisting BOA does not access fees on bank charges, but I showed her thats exactly what they did because if it had not been for the fees that they should never had charged in the first place and that they were giving me back. My account would have not been negative but up by 70.00. She just could not comprehend it. So she left the conversation...just ditched me.

I called on the phone and got someone who at first could not grasp the logic of what I was saying but after we went through the debits and credits together she finally understood that the overdraft was not done by me...but by BOA. She said we gave you the two fees back becuase they were charged for overdrafts under ten dollars. I said YES and if you had not incorrectly charged them. This would have not overdrawn my account thus resulting in you charging me again. She agreed with my logic and refunded the fee. I can tell you what is going on with BOA.

I worked for BOA for nearly ten years. They used to stress customer service and common sense, looking at a customers relationship and taking a personal interest in them. They started weeding out the "old timers" by asking them to become salesmen instead of tellers. Demanding unrealistic quotas from them and in general making it miserable to work there.

I did not quit becuase I couldnt meet thier demands, because I did meet them and then some. I quit becuase they started wanting us to stop "thinking" and treat people like crap and con them out of thier money. They bring in these new tellers in which they have trained to not use thier common sense, only go by what BOA has told them. Who cares if someone has banked with them for forty years, they overdrew thier account by 5.00 charge them!

Its ridiculous how people have become numbers and not individuals. SCREW BOA! They are cons and thieves. PUT THEM UNDER and take your money somewhere else where LOGIC and Common sense are stressd as important tools when dealing with Customers! They are a bunch of mindless idiots there!

A horrible racist bully at B of A bank...she thought i was hispanic and treated me like dirt. we were legitimately trying to lower our rates due to new laws preventing them from abusing us the way they have. We were late one day, one day, twice. they doubled our rate. I work out of the country frequently in development...primitive island. It is easy to substantiate. I asked if we paid off 20,000 of the 29,000 in debt if they could please lower the rate back to normal. We can and will pay off within 6 months. Our business is good.

They have been horrific and obnoxious and rude. I have a black master card i pay off 10-$20,000 every month. have for years. I do not like being treated this way. This horrible woman refused to transfer us again and again...kept yelling at us. we need this dealt with. I want this card transferred.

In Arizona and New Mexico, all Bank of America branches charge to cash checks that are drawn out of their own bank. This should be STOPPED!!! My 17 year old daughter had to PAY BOA $6 to cash the checks from Boston Gourmet Pizza every 2 weeks! This has totaled to $42 they have stolen from her. She should have the right to obtain her personal bank account anywhere. She was instructed by the employment "Boston's Gourmet Pizza" that she had to cash her checks there. Then, BOA rips her off every paycheck for $6 when the Boston's Gourmet Pizza Co. has their account with BOA. I have NEVER heard of this before. Bank of America, you are unAmerican!!! I have had accounts with you before and closed them. It was nothing but headaches. My daughter has now returned to New Mexico and had to deal with the same issue here. But she is getting her old job back that not only has plenty of money in their account to back up their checks "Unlike Boston's Gourmet Pizza", but she will not get paid $6 less every 2 weeks just to cash the check! Someone really needs to do something about this fee.

I have been a customer of BOA ever since they began business in New Mexico about ten years ago. I noted on a Friday that my checking account was overdrawn by about $50.00. I had an unexpected ACH loan pay-off trtansaction that I did not expect. I figured that the overdraft was caused by one transaction since all of the transactions that occured on Friday were large.

After work I went home and made a cash deposit to an ATM machine that more than covered the overdraft. The receipt from the ATM indicated that I had a $200.00 positive balance. I thought everything was OK.

The following Monday I noted that I had 4 overdraft fees of $35.00 each. I called BOA and they indicated that I had made my deposit after the cut-off time for that business day (which they say is 7 or 8 PM depending on who you talk to). The four transactions causing the overdrafts all occurred on Thursday with a debit card which usually means that the money is removed from the account immediately. If this had happened, there would have been only one overdraft transaction on Friday instead of four.

In any case, I thought the new ATM machines that automatically count your cash meant that a cash deposit would be credited to your account on the same day that it is made regardless of the time. Not so - they still have an earlier cut-off time even for cash deposits at an ATM. I called BOA anf they, of course, refused to remove overdraft fees. I'm working my way up the line but I am not hopeful so I guess I will find myself another bank.

You would think that BOA would be a little concerned about their image but they just want to make as much money as they can so they can pay back their bailout money and get back to their executive bonuses and perks.

I had 2 charges on my account from a company I didn't authorize and had not even heard of. So, I tried to do a fraud claim because at the time the charges were presented, there wasn't enough funds in my account to cover the companies charges. So, the bank charged me 2 $35 return fees for this. I spent several hours on the phone with BOA being bounced between different dept's with the bank.

Finally the 6th person I spoke with was a supervisor. She was very unsympathetic to my situation and kept stating that if it wasn't bank error or I couldn't prove it was fraud the fees taken out would stand. She also stated I should contact the unauthorized company again and get the money from them, which I knew wouldn't happen, I was lucky they cancelled the account without any fuss.

These fees have gotten totally out of hand. I've been with BOA for many years so I didn't want to have to start over with another bank because I've already established a relationship with them. Also, I'm a veteran on a fixed income right now, so these 2 fees put a big dent in my budget for this month. 2 $35 fees= $70 that BOA has refused to reverse.

times. This type of "oversight" allowed columbia house to collect about 100 bucks, deny me my introductory package and cuts the bank in on a tidy sum too.

I received a bill from AOL which I gave Priority this month and called AOL to arrange to Pay. I advised an AOl representative that the bank sometimes declines AOL debits and assured that I was sending a check. she directed me to debit the obligation and assured me over the phone that the payment had Cleared! later in the month when My account had declined I restricted my debit card usage here comes this aol charge + bank charges that I was assured over a reco0rded phone call had been paid but really had not.

My Bank "declines" debits from entities like AOL or columbia house initally, allowing for "subsequent" activity to which is greatly to my detriment. I have seen the debits pending dissapear only to be "reintro0duced" when my account is depleated Insuring that I am required pay penalties, leave buffer funds in my account, and weather the reprimands of the company who is unable to debit my account to satisfy the purchase requirement.

* You are not charged Overdraft Item Fees when we determine your account is overdrawn by a total amount less than $10 after we finish processing for the day.

After processing...my account totaled and negative balance of -4.10$ and i was STILL charged a fee. I just spoke with bank of america and to my dismay...they will not credit me back this overdraft charge. I have no idea how they are getting away with this. Hopefully people speak out to this.

Fingerprinted and charged $6 to cash a check drawn on their bank? Violation of my civil rights. I am no criminal! And charge me money to have my money?

BoA apparently is allowed to call our home number because my wife has a checking, savings and credit card account with them. They have been calling at least 4 times a week with offers of various services that we've declined. The calls have been so numerous, that we've asked them not to call any more. We started out asking politely, and then impolitely. Last time I answered their call I cursed a guy out before hanging up. That stops the calls for almost 2 weeks before they start up again. Now, I'm in a position to have to change my phone number, just so that they won't have it. There doesn't seem to be any recourse for me to stop the harassment.

To be fair, Ive made the mistake of previously donating to charities who have called my home number, and I cant get them to stop harassing me either. So changing my number actually solves more then one problem. However, I consider my home phone a convenience for me; I dont have it so that I can be contacted by phone solicitors. And I shouldnt have to put up with calls I dont want to receive, especially after asking them not to call any more. And I shouldnt have to fill out a ream of paperwork or spend months trying to get out of someones system. I wish there was someone who would be responsive to complaints. Going from one complaint website to another may spread the word, but in the end I still have to go through the hassle of changing my number and getting it to the people (and businesses) who I trust to have it.

Bank of America decided to close my account after only a month of activity. I opened an account on 11.06.2009 and it was put on hold and frozen 12.10.09. The reason? The same reason I shouldn't have been able to get one in the first place. I was reported to check systems back in October of 2007 for an Arvest account that I made right but had inappropriate activity. Doesn't that sound like I was running some slave trade operation and using my bank account to misappropriate funds?

I was reported again in November 2008 for my Signature bank account. This was a charge off account that I didn't make right. Mostly because it was a majority of fees from Signature continuously running a 300.00 rent check through more than 8 times. Before I finally said stop. Anyway, it's still my fault for letting it continue.

I filed for bankruptcy, chapter 13, end of July had a meeting of creditors beginning of November and have been paying on it since October. The bankruptcy hasn't yet reported to check systems to take care of these. On December 10th around 10 am I logged into my bank account to verify a posting of my paycheck and balance my account. I do not receive paper statements. I had a balance of roughly 760.00 and 50.00 in my savings. I had been saving to purchase an iPhone and was also verifying the funds.

That same evening I went to AT&T to purchase my phone. My debit card wouldn't process. I had been having issues with it with some online purchases and asked the customer service rep if I could use the phone to look at my balance online, thinking maybe some $ hadn't officially posted yet. I was unable to log in. Thinking it was my inability to operate an iPhone successfully yet, I asked if I could write a check. He agreed and the transaction was completed.

The following day, December 11th I tried to log into my online bank account to double check the account to see what may have caused the issue the evening before and if I should just have BOA issue me a new debit card. Imagine my surprise as I couldn't log in because my password was inaccurate. Feeling more apprehensive I called BOA customer service. BOA gives you balance information as you wait to talk to a rep. My balance information? -$8,000+.

I immediately expected another hack, which I had suspicions of with the Arvest account, and went for the Bank of America location where I opened my account. The rep informed me that it was actually a hold on my account that she couldn't help me that I had to call the Risk Customer Service.

I called and gave my information to the extremely irritated and unhelpful rep (I don't want to even call them customer service). He told me the reason for the negative balance was the $8,000 hold on the account from Signature bank. So I asked why Signature put a hold on my account, the rep said because I was reported to check systems as a charge off account with them and I would have to work that out with Signature. He informed me of three transactions that would still be posted to my account and any others that I had done that were not listed would be returned. But I had written two checks and purchased something from iTunes and eBay the night before that were not noted as pending on my history as of 12.11.09, they would be returned.

I requested to close my account and have them return my money to me. I requested the money in two money orders for the two checks and the rest in cash. But I left enough money in the account to cover the transactions that were pending on 12.11.09 plus an additional 15.00 as to cover anything that I couldn't remember that would be insignificant yet still come through. I could not close the account at that time because there were still transactions pending.

I walked away with roughly $150.00 in cash and my money orders and spent the whole afternoon of Friday the 11th, trying to pay everything that would be returned. I inquired about my balance with my savings account of 52.00 and they said they don't have a record of there ever being that much in there; I only walked away from that with $26.00.

I also called Signature and spoke with an extremely hateful lady named Debbie, ***** *** Debbie and your evil attitude, which kept interrupting me without giving me any information. The only thing I did find out from here is that Signature didn't request the hold they only had reported me to check systems.

I spent the majority of my day calling several people at check systems, BOA, and by attorney to find out what I needed to do and what the reason for the hold and then eventual closing of my account was. I talked to 4 different people at BOA and only one, the final rep I talked to, gave me information that was helpful and steps I should take to find out more information on why they waited a MONTH to close my account.

He also informed me that it was not a charge to me for the $8,000 dollars that it was just a code they use to post money so that no other transactions can be posted. I inquired about notification, he said I was notified on the 10th by letter, the same day they closed the account at 2:00pm. It was only the 11th; of course I hadn't received notification.

I even called check systems to get information from them on when the postings happened, what to do, and why BOA would have decided to close my account. The rep at check systems was also shocked that they would do this a month after I had opened the account. But advised me that all I had to do was have my Attorney give them the BK information and they would notate that on these and that they would be removed because of the Ch. 13 Bankruptcy (Bank of America denied that this would happen).

Because I was reported to check systems I shouldn't have been able to open an account in the first place, I am considered a risk to BOA. That's their prerogative they can do that. However, I gave them ALL of this information while signing up for the account. Because of my Bankruptcy I requested information from check systems weeks prior to opening my account. I had all of this with me when I went to open the account and was told by the rep that they would see if it would validate and I had no problem doing so. I was granted an account without any information of being reviewed or assessed at a later date.

Let me reiterate, my account was closed for the same reason I shouldn't have been able to get one, being reported to check systems. So Tuesday the 15th I arrive at the BOA location to withdrawal the rest of my money and confirm the closing of the account. The teller advised me there was no money to return and that I was actually -$68.00. I said I want to talk to somebody about this. She said okay go have a seat and bank representative would be with you shortly. 15 minutes later, yes 15 minutes because no one was available, the same rep that opened my account marches her happy butt out to assist me and another customer that had been waiting longer then I.

She advises me that there is no longer a hold on my account but that yes I am -$68.00. I asked for a statement and asked why? After reviewing the statement it shows that BOA let a transaction be posted on 12.14.09 from eBay and one from Bentonville Copy and Ship. Plus an additional $40.00 was charged to my account from BOA for Account Research Fees.

I asked the rep again why they would have posted stuff so late (the BC&S) that was showing pending on 12.11.09 and the other transaction 35.00 from eBay when they told me it would be returned. Can you guess her answer? I don't know you'll have to call this number.

I stormed out without a second glance to call the risk team again. Again extremely unhelpful, telling me I should have left the money in the account, and that I will be charged overdraft fees and that BOA can chose to close and account at any time and can charge whatever fees they seem necessary. He also kept acting like there was a bad connection saying "hello? hello? Are you still there" every 10 seconds. Remember I am on an iPhone static is never a factor; he said I kept cutting out and I said it's because he keeps interrupting me.

My response verbatim "You're trying to squeeze every [expletive] dollar out of me aren't you? You couldn't collect on an overdraft fee on the account because I have been an excellent customer so now you got to invent ways to make a profit. You will never see this money from me." His response? He hung up on me. Take my story for what it's worth. Along with these other tidbits:

There is no free checking with BOA - Unless you have direct deposit or a daily balance of more than $1,200 dollars they will charge you $8.95 a month. This is the CHEAPEST account they have. Other's require a daily balance of $1,500 dollars and still charge you $10.95 monthly for having an account with them.

Keep the Change transfer - Great idea, round up everything in your check book and BOA automatically transfers change to your savings. Possibly accurate except I'm missing $25.00 from that. Referrals - I used my friend Scott as a referral filled everything out for him and I to get $25.00 referral fee. Neither one of us has seen that money. Debit Cards- Make sure they all work. I opened my account on 11.06 and had a temp card and 2 permanent cards (the final one still not working properly) since I had my account. All these issues with the security code, expiration date, etc and nobody could tell me why.

Bail Out - Bank of America didn't need the bailout but had to receive it. I don't believe they have spent their limit of $87 billon. But seeing as all fees are strictly profit to bank of America why would they? If I owe them $50.00 in fees and they have a million customers, or ex-customers, that owe them $50 for frivolous fees that's $5,000,000,000 in PROFIT for BOA. (Bank of America made $2.4 billion in 2009 2nd Quarter profit)

Newsworthy - They spent "$1.5 billion in lobbying, they were a recipient of $45 billion in taxpayer bailout money from the federal Troubled Asset Relief Program, and have worked to sway lawmakers on more than two dozen pieces of legislation in both the House and Senate. The Charlotte, N.C., company wants flexibility on spending the bailout funds and also wants to fend off restrictions on executive compensation, home mortgage lending and credit card fees.

The bank also is lobbying on a consumer rights bill, on student lending issues, on a bill that would've allowed bankruptcy judges to alter mortgages and on a proposed federal regulatory oversight agency"

I advise anyone who has an account with Bank of America to scrutinize EVERY SINGLE detail. They'll stick it to you somehow if you're not careful and it may be when you're in desperate need of a reliable company dealing with your money. They'll take it in a heartbeat and will tell you they have the right too.

We recently found out that B of A has a policy on returned checks. In the past 3 years we have been customers of B of A we have had 6 returned checks for various reasons. Nothing intentional and we always resolved the charges with in 24 hours. Well Friday December 11th, 2009 I went to the grocery store to get our 2 year old daughter some milk and bread and my card was not authorized. I called the bank and they said they could not help me I would have to call the Risk Management Dept. After being on hold for 10 min a gentleman by the name of Jay answered my call and advised that our account was closed due to a returned check on my personal savings account. This account had not attachment to the account our debt card was linked too. However since my social security was linked to all these accounts, 2 savings and a joint checking all will be closed. He was extremely rude and treated me as if I was stupid and my money and being a customer didnt matter.

I asked how I could receive the money that was in my now "closed" account and he said, "Well there isn't that much and I don't have that information available." I could not accept this and asked to speak to a supervisor and he said that he will not transfer me as they can not do anything for me and that I needed to accept my account is closed and I would have to call back on Monday to find out about my money. I asked if our conversation was being recorded and he said well of course. So I asked him to repeat that he was refusing to allow me to speak to a manager and/or supervisor and he said yes I am refusing. I went on to say that I can not accept this and just say OK however there was nothing else he was willing to do for me.

The local branch could not assist me either. Monday my Fianc, Jess the addition holder on our join checking account, called the Risk Management Dept. and spoke to a woman named Jessica. She advised Jess the same information about why our account was closed. He went on to ask how we can get our money and she said that the money will not be sent out until the 29th of December. He went on to say we have a daughter and bills to pay and now that our account is closed the automatic bill pay will be returned and we will occur fees. He asked if B of A will be responsible for these fees and she said no, we are not responsible for any fee occurred do to the immediate closure of our account. He asked why we werent informed prior to the closure and she said they don't need to notify us prior. She was rude as well and very short with her answers and refused to answer most of the questions we had and ended up disconnecting the call before they were finished.

Given the amount of scams that go on I can understand this to a point.However constantly being given the run-a-round only makes one doubt the professionalism of this particualar bank.

To top it off, I called their so-called customers service on December 11th 2009 at 7:25 PM and spoke to Jeff who was actually very helpful in disclosing some of the BofA practices, mainly how the bank handle the charges. Jeff suggested that I call in the morning and speak to a supervisor who has the power to reverse these unfair charges. But he quickly added that most often than not, they will not do it because it takes away from the banks overall profit.

I called the next day, December 12th 20009 at 2:06 PM and a quick conversation with Chris proved that the bank is very adamant in its ways even if it is wrong. As I asked for a full name and an employee ID, Chris simply retorted that they do not have an employee ID and he is NOT required to provide his full name to me. When I requested to speak to a supervisor, he quickly adds another woman on the line. I, then, reiterated my desire to know who I am speaking with. I requested that she identify herself with her name and employee ID if she has one. But to my biggest surprise/disappointment the lady, flatly, rejected my request by stating: I am not at liberty to provide that information to you.

Now, here is my question to anyone reading this note. What reputable company does that? What good company only employs people with one name? What honest company promotes or hires people with no names? What sincere company gets bailed out for reckless practices and tries to fix it with unfair practices? Can someone, anyone provide an answer?

Regards,

(718) 559-8047

I need the charges to be reshuffled in the order received by the bank, no refunds necessary.

I had an account with Bank of America for a month. I chose them not only what they offer but because they secure their customers accounts meaning they take measures to insure their customers bank accounts are not compromised. On 12/11/09 I went to deposit a check through the ATM it said my card was not valid I went inside the branch and was told to call the Risk Department. I immedately called and the representative I spoke with was rude and had a nasty attitude when I asked why my account was closed. She stated that Bank of America has the right not to disclose why they closed it.

I have never had NSF's I don't use checks and I don't have over draft protection mainly because of my low credit score. I find it disturbing that Bank of America treats their customers this way how they manage to keep customers is mind boggling. When I went back to the same branch to speak with a representative, there was a gentleman complaining because he had one NSF and they closed it without notifiying him. And I watched as the bank rep offered no apology and no explanation and printed out some forms and was told to call the number probably the risk dept where he would get no answers.

A branch in Bothell, Washington has a manager that is flippant, arrogant, and doesn't care about you. Everytime I go in the branch he tries to stuff his new ATM down my throat....which doesn't take cash well it spits it back out!! He only wants to talk to you if you DONT have a problem and when you do.....well don't bother him....and it all your fault...Then when you enter the bank he says he's "Living the Dream."

I am writing this on behalf of my mother. On December 3, 2009, funds were deposited into my mother's Bank of America account. These funds were from the U.S. Treasury for Social Security, and small annuity payments my mother receives from my father's retirement who died in January 2009,and a small pension of hers. These funds were placed on hold on December 4, 2009, by Bank of America.

After trying to pay bills of my mother and not being able to do so, I called the bank's 800 number and found out that she had a balance of 0 dollars and cents. I contacted a representative of the bank and explained the situation and was told that the bank had received a court order to seize the funds, and I was given a contact number of the garnishee's representative. I explained that these were social security funds and that my mother depended on these funds.

I contacted the Garnishee's representative , a law firm. The law firm representative told me that they would release these funds once verified by the bank. The bank then told me they would remove the hold once verified by the attorney. I have been going back and forth and there has been no release of the funds. The bank also told me that anything that comes through the account will be charged bank fees against my mother's account. I have been told that these funds can not be taken from my mother. I must tell you that the Garnishee is Bank of America and my mother's account is at Bank of America.

Today, December 10, 2009 my mother's account is still on hold by the bank. I have called the bank and requested to speak to someone in the legal department on numerous occasions and have been told that Bank of America does not allow the consumer to speak to the legal department. I feel that this is unscrupuious behavior by both Bank of America and Gamache & Myers against an elderly woman, who is on dialysis, with congestive heart failure and early stage dementia.

I have handled my mother's accounts since last year. I have Power of Attorney for her and I have given it to Bank of America in person, and by fax on two separate occassions. When I contacted Bank of America regarding this issue, my Power of Attorney could not be found by the Bank. I feel that my mother is being mistreated and that the Bank is holding her funds because they are in control of her account which is not fair by any means. This is our complaint against Bank of America.

I am enrolled in the Bank of America credit/debt protection program. Since I have filed my benefit activation they have given me ambiguous incomplete information seemingly to delay the payments they owe me for involuntary unemployment. The addendum says monthly payment - my last deposit was 6 weeks ago. They claim the payment is in a reserve account - being held while they perhaps charge interest to my balance?

Calling them is a waste of time the answers are ambiguous. I request a "payment sate" they say anyday - the next few days- by your next statement. My last payment was November 5th although I returned my information within 30 days although their communication states 45. There are more little things like not telling you whuch documents to send, or any details which would minimixa delays to the process. Here is the enrollment form.

I am enrolled in the plus and deluxe program if it seems like it may be worthwhile please contact me. I dont care about any financial gain as much as I would love to see them penalized and forced to follow their contract and here it is. The financial uncertainty and the ambiguous answers are very upsetting, I have lost sleep,my appetite and probably higher blood pressure during y interaction with them.

"Financial security when you need it most" is complete [lie]. Ive been unemployed since September 15th and have only recieved one credit to my account for the deluxe plan on November 5th. The next one will be December 21st (allegedly) So they skipped the payment for November even though information on form says its "retroactive" Other reps say its due first of the month.

Im so tired of dealing with them. I have a balance on my account which prevents me from being able to use the card and has me exhausting my funds and paralyzed about using my card now. Why tell me its a monthly deposit if its not? To buy themselves a financing charge. I have learned and its unfair that they are allowed to continue decieving people and causing financial stress and burden. Its not right.

I have been with BOA for over four years and during that time never had very much trouble with any overdraft fees becuase I had a good paying job and a high balance most of the time. However, in June 09, my father came to live with me and the hours I worked did not allow for the care he needed from me. So I ended my job in hopes of becoming self employed out of the house. I took care of all the moving around to get him settled here in Henderson, Texas, including opening an account with BOA for his own retirement transfers. He still wanted to keep his own check register and I montiored his accounts online regularly. Then, one day he asks for certain things from different stores in town. We make a day of it. Even though he is still able to get around, he cant walk for very long so each time I went in to make a purchase for him, he stayed in the car. I gave him the receipts for him to put in his registery when we returned home. In total, I made 6 purchases for him that day using his debit card.

A few days later, when checking our accounts, it showed where he was overdrawn prior to those purchases and each one had generated a 35.00 fee. I called for an explanation as to why the purchases were allowed to go through if there were not sufficient funds to pay for them to begin with. I was told it was "a courtesy" extended by BOA to save me from embarrassment at a counter and to avoid a merchant fee for any returned checks. I pointed out that it didnt seem very courteous to do such a thing without any notification until after the fact and then to charge such a large amount...35.00 for each one...a total of 210.00 in fees alone. I must say that I know the branch manager at my banks location becuase I had been working as a General Manager at one of the local restaurants that banked at BOA as well. I explained to her that niether I nor my father was ever aware of such a thing and that, for me, the best courtesy would be to stop the purchase beforehand in order to let the customer know there is a problem...maybe an error in the check book or a miscalulation somewhere. And as far as merchant fees are concerned, I wasnt writing checks, I was using a debit card.

She agreed to remove the charges after an extended conversation on the insanity of such a policy, or at least the insanity of not bothering to CLEARLY advertise such a policy. Im sure its in the fine print somewhere but I believe she saw the truth in how this had happened and the seemingly underhanded nature of it. I asked to have the courtesy removed from our accounts so that no purchases will be allowed unless there is sufficient funds to pay for it. Part of the problems with our economic fall in the recent year is due to people spending money that dont really have to spend and I do not want to contribute to that.

Since then, things have been a little shady....I saw a program recently on Frontline that talked about how these courtesies first came about ( as a way for banks to offer "free checking" and still make money, more than they were making before). They spoke with someone who also mentioned that banks have computer programs that will move charges to an account around in order to justify a service fee. Im here to tell you that it must be true. Here's an example: I transferred money from one checking account to another and made a withdrawl of 80.00 that same day at the ATM. This would have left about 25.00 in the account. Dell Inc, whom I am in dispute with and which BOA was notified that any electronic transactions from Dell were not authorized by me, tried to push a revolving payment through (Man, thats a whole other story!). The payment was for 50.00. Instead of refusinig the transaction, BOA's computer program accepted the charge and then credited it to the account BEFORE the ATM withdrawl. So when you look at it online, you see the dell payment hit the balance, taking it down to 50.00 and then the ATM withdrawl for 80.00....putting me 30.00 overdrawn and generating a fee of 35.00. I ask you, have you ever been able to go to an ATM and withdraw more money than you have in your account?

How is it that the 80.00 went through when, according to BOA there was only a balance of 50.00? This time I received no stastifaction in the matter. I then resolved that it was time to change banks. I have recently started a new job and plan to make the move to a different bank as soon as there are enough funds for me to have a substantial amount in a new account and close the BOA one. Yet, today, this very day, I find that I have to fight with them once more. You should know that things have been bad financially for about two months but are now looking up.

On 11/7/09, I had 1.01 in my account. I needed to purchase a few things so I transferred 16.00 from savings which was made available immediately for purchases. I chekced my account again online to ssure I had the money and then made three small purchases totalling 13.00. This all occurred after 8pm on the 7th. I made no purchases using my debit card on the 8th. Today, 11/9/09, I go to my account online and find that somehow, the monthly service fee was applied prior to these purchases, putting my account in negative standing after two of those purchases and apparantly about to generate two more fees each totalling 35.00. So on my first day off in over 7 days, I have to get up and go down to my bank to find out why and how this happened.

Here's what I already knew to be true....any service or monthly fee they place on your account cannot trigger a 35.00 fee. However, ifthey apply the service fee first then the purchases they can generate the fee....my question for them was this : how in the world did those purchases go through if the money wasnt there...they had no answer for that but were quick to remove any service fees that may be triggered. Im glad they made the correction quickly but it also confirms what Ive been wondering for awhile...this isnt the first or second time they have run into customers who have had thier acounts flipped around so as to generate a "courtesy" fee.

I was charged overdraft fees on pending transactions by the bank. I made my deposit in the time given, was refunded the initial bank fees, then charged $ 140.00 in insufficient funds fees by the bank for the items that posted after the intial fees were deducted. If I am given until 8:00pm to post a deposit and the initial fees were refunded why should i have to pay fees for items that became negative due to fees they applied and reversed?

I was told a courtesy fee was already given and that no other fee reversal would be given. I closed my savings account and once all automatic payments have been changed I will be closing my checking account. I just want other consumers to be aware of Bank of America's revenue generating attempts.

I was charged 9 overdraft fees for small purchases like $1.00 at the usps. I had a online bill pay that I forgot was coming out and I had use debit to pay for small transactions in the stores like the grocery and gas station and the bank decided to take the big amt of the ck first and give me overdraft fees for all the small purchases even though I had sufficent funds for the small purchases. they should have instead pay the small purchases with the funds in my acct and then give me 1 overdraft for the check, they decided to refund 4 but still left me with alot of fees.

Every holiday, my nine year old son receives a $25 check made out to him from his grandmother. Grandma has sent these checks since he was born. Most times, I have cashed it and given him the money. Sometimes I deposit it in our checking account at BOA and write a check to our son's savings account at Vanguard. Recently I was told at the drive-thru window, that I could not cash the check for him. I had to have him with me or have him sign the check. The clerk refused to cash the check. I was confused and frustrated, not understanding the policy. When I asked to see the written policy,the clerk said I could not have a copy of the written policy. I left upset. After picking my son up from school, I returned to the drive-thru. The same clerk returned the check to me and said my son had to sign the check since he is old enough to know how to write his name. I told her that she said I could have him with me and cash the check. She started to argue with me that she never said that. My son signed the check and received the money.

I was able to contact the bank manager two days later. He agreed that it sounded as though it should have been an easy experience to cash the $25 check for my son. He did not actually know the policy and would have to look into the matter. I received a call back 40 minutes later. He said the policy on third party checks is to verify that the check is not stolen or being frauduently cashed. Technically I am unable to cash a check for my minor son. Although for business reasons, he thinks I should be able to do so. He assured me that if I go to the branch where he spends the most time, I can have the check easily cashed. Really, I must change my normal routine, go out of my way to seek the bank manager out and then be able to cash my son's $25 check. My husband and I are our son's guardians and have legal power to set up money accounts, deposit and withdraw from them and enter into contracts on his behalf. This third party policy is reasonable only when applied to adults. Our son is a minor with no legal authority. Our name and address are the same. We can provide documentation of our parentage. Why are we forced to accept a contrary and beligerent attitude from a bank teller when cashing a $25 check from his Grandmother? I plan to open a checking account at another bank and transfer to it. This rudeness and frustration is not worth the long standing relationship we have had with this bank.

I have been with Bank of America for 12 years. They seem to think our money is there money any time they see fit to charge 35.00 for what they claim is an overdraft fee. I have direct deposit and nothing was pending when the money went in the account. But then the next day they had charged me for 3 transactions that the day before had already cleared but now say pending. I called and they refuse to refund the money. I'm going to another bank as of tomorrow.

I have been enrolled in the Keep the Match program. At the end of the year, I was due my match of over $60, and they put in less than $5! I have the statements to prove they are wrong. It has taken them 3 weeks of my waiting, 7 or 8 phone calls, even went to branch manager, kept calling and getting longer and longer deadlines that are never met.

I am sure most people never check their match as I am not the only person they hoped would just forget about it since they wait a year to give you your money, but they take your part of the match on a daily basis, so THEY can make money on it for a year. Multiply this by 100's of thousands of customers, and they have a lot of our money they can loan out at a lot more than their Savings accts. pay. Wasted time, phone calls, continuous excuses and no access to my "reward" of a cash match.

Extended overdraft fee on top of overdraft fee. The extended overdraft rate was also increased without notice from 12.50 to 35.00. Was charged 105.00 in fees for two 6.00 overdrafts.

My partner and I dissolved our 11 year relationship in Feb 2009. We agreed that she would take over our home and started the process with our lender at that time, countrywide. The process was going through as planned until countrywide was taken over by Bank of America. BOA informed us that if we were "divorcing" that there would be no issue but since we are a same-sex couple we would need to begin the process again.

We have now spent six months working with various people who lead us to believe that all will be settled only to be turned over to someone else to start the process all over again. They have almost one full year of income statements.

They have approved my ex-partner several times for a loan to purchase a house on her own of more value than the one we both have our names on. So, this cannot be just about the money. The interest rates continue to fluctuate, as well as, the market. We have had to pay for 3 appraisals, all of which have valued the property within 3-4K of one another.The interest rates continue to fluctuate, as well as, the market. We have had to pay for 3 appraisals, all of which have valued the property within 3-4K of one another.

I have a 203k loan through Bank of America. This type of loan provides financial reimbursement to the homeowner for repairs made on their home. I submitted all of my paperwork to them in early Oct. They told me I should receive a call within a few days to schedule an inspection. I never received a call and when I attempted to contact them all I got was a recording.

After three weeks I finally got through to someone and got the inspection ordered. When asked why they hadnt scheduled the inspection they responded "that they just hadn't gotten around to it yet". They then advised it would take approx 2 more weeks to receive a copy of the title and issue the check.

Another three and a half weeks have now gone bye and now the dept who is doing the loan no longer answers their phones. Instead it now goes to a generic answering service who has no idea of when anything is going to be done. Because of the type of loan it is I had to either pay out of pocket or the contractors did the work and are now waiting to be paid.

The work had to be finished before BofA would reimburse me and now I receive daily and weekly calls from contractors inquiring on when they're going to get paid. My credit has been maxed out due to the fact that I've had to incur more debt while I wait for the rest of my money to be sent. I can't sleep and have run myself ragged from trying to just get my own money from the bank.

On September 22 of 2009 I suffered water damage to my kitchen and family room. I had lender based insurance with Bank of America. The insurance company (Balboa) told me that they had made the payment to do the repairs to Bank of America and that B of A was to distribute those funds to me so that I could have the work done. B of A has failed to provide those funds to me and are not returning my calls, neither have they responded to any of the correspondence I've sent to them.

It was been over to months that I've been without a kitchen (no sink, cabinets, counter tops, walls or flooring) because Bank of America is keeping the money that the insurance company intended to be given to me to make the repairs. I need some help. If there is anything you can do to help I would really, really appreciate it. Thank you very much.

We were drafted double mortgage payments during labor day weekend...which resulted in several NSF fees. The mortgage was reversed, but the bank owed us for NSF fees. I faxed proper documentation for refund.

I talked with Omar T. in Bank of America Payment Research Dept at 11:40am today. We discussed overdraft fees that were submitted for reimbursement. Attached is a copy of other fees that came up related to the mortgage error submitted by fax a couple days ago. In total, we need to receive reimbursement for a total of nine - $35 overdraft fees. In essence, this is a total of $315. Note: 10/30 spoked to Doretha in Payment Research who asked for routing number and bank# to refund $350 back into account within 72 hrs.

11/6 --no refund yet--called and spoked to someone in Payment Research who told me that the refund was denied due to invalid routing number. I repeated routing number, and the rep stated this is not what the last rep recorded. She says if the request is approved, it will be a couple days. She took down my cell number and email address for someone to follow-up.

11/12 -- I called again--according to the Yolanda, th rep's notes approval timeline is Dec. 7th. I asked her to please transfer me to a manager to escalate my account and refund. After being on hold for 15 - 20 minutes as she tried to get payment research, she was able to escalate this to a manager at the corporate office. She stated that the only reason it was held up was for an incorrect routing number. Now that they have the correct number, it should be process ASAP per her manager.

11/23 --no refund to account--I called again--rep sees where the supervisor is going to escalate and research issue--but no results yet. I talked to Jrchaetta in payment research that reviewed the case and will escalate for a paper check to be cut. (9:05am) She states she will call me back to give me status of when check will be cut. She is aiming for the end of this week by FedEx.

11/24--no callback--12:43p John--Rep would not transfer me to Payment Research Dept. He stated that a new policy is for reps to talk to supervisor regarding contact first. After doing so, he told me that the supervisor will get a message over to Jrchaetta to call me back today regarding issue.

12/2 - called was xferred to Steve in customer service. I explained issue and expectance of Fedex check. He told me it was not possible to receive a check last week. He xferred me to payment research to reach a manager. I was routed into a call with another rep and another customer. I could hear them, but they couldn't hear me. I hung up and tried again. After 15 minutes, I finally got in touch with payment research again. The rep asked for my acct. #, verified last 4 digit of ss#, and placed me on hold.

Again, I was routed to another rep with another customer. They couldn't hear me, but I could hear them. This is nerve recking. So, I'm gonna report this to every bureau out there. $350 in NSF fees...frustration...financial setbacks

First of all about my financial situation. i work on commission so i never know what kind of salary i can get per a week. it can be $1000 or $300.with economy nowadays my paychecks are mostly $300. so here are my complaints: 1) what's up with a $35 overdraft charge for a cup of coffee and adding additional $35 overdraft within 5 days? i need to pay a lot of bills and i cant be left with $70 on my checking account. i really don't think that this is legal. but the most terrible thing is that they treat you like criminals when you ask them to refund at least some of your money.

2) just because my financial situation was really difficult lately i wasn't able to pay my credit card bills in time. so i contacted the customer service representative and she advised me to set up the minimum payment plan. i promised to pay every month as soon as they don't close my credit cards. now that my financial situation is somewhat better i made $1000 payment on my card, which left me to pay $500 more on my account.

what was my surprise when i learned that my credit card was closed without any notice. no letter, no phone call, nothing. i started to call the bank, got transsfered literally 10 times, had to repeat my story over and over again, which was frustrating enough. in the middle of all that hustle they hang up on me and i had to start all over again. no one could help me.

so i decided to go to the bank personally. i had to wait about half an hour to find out that they cant help me and the only thing they could do for me is to give me the phone number of customer service. so after 2 hours of running around and being on the phone they connected me to the credit company. the representative was extremely rude, he said that they decided to close both of my credit cards and when i asked what i can do he said "well what do you want to do?"

i was so tired that i started to cry and said that it's not my fault that i didnt have any money to pay my bills. i explained to him that i was on the minimum payment plan and that as soon as my financial situation improved i paid $1000 on my account. he said that he couldn't help me. i wish he wouldn't be so arrogant and at least give me some advice about my situation. unfortunately in my case none of the representatives of Bank of America were willing to help me. they treated me like a criminal. i lost all my interest in dealing with them. none of their promises came true. they don't care if i have nothing to eat, they just want money.

Is it actualy legal for the bank to take 17 days to clear my $1,500 check. It was a good check from a large business we deal with and the money was taken out of the customers account on 13th Nov but will not be credited into my account until 2nd Dec. Today is 1st and I have just deposited a further $2,000 check which will clear in a week. In the mean time 9 overdraft transactions accrued from standing orders and such, totaling about $350.

One of the excuses given was that the Bank of America ATM on the outer wall of their brach was not their responsibility and I should contact ATM directly? It was the bank staff who advised me to use the ATM to deposit checks to save waiting in line at the counter. My small business can't survive being treated like this.

Is this legal? How long can they keep and use my money while charging me overdraft fees and extended overdrawn fees? My small business is being damaged by not having funds to order new stock

I opened an account on-line in August 2009. Went to a local branch to add my husband. Set up direct deposit for both our checks. Wednesday, Nov 25th I am locked out of my account. I got in touch with the bank only to find that they closed my account because they found my husband owed money to another bank.

My direct deposit was in the bank and I had no access to it. They said they would mail me any money left after 14 days. I asked him how am I supposed to survive...(keep in mind this is the day before thanksgiving.) He rudely told me my husband will have to support me. I have no money for gas to get to work....No thanksgiving dinner....and no access to my money. They could have called me, emailed me or something to let me know my husband owed some money and given me time to pay it. I do not know how much I have in there or what they are doing with it.

Bank of America charged me $35 for four NSF charges when I had funds in the account. They claimed that a charge the next day had brought my account to a negative balance. It's beyond me as to how a transaction the NEXT DAY can cause a negative balance. They told me that a pending charge had placed a hold on funds and to check my available balance history online. I checked the available balance history online, and it showed no such hold on funds, and verified the fact that they charged me for overdrafts when there were funds in the account to cover the transactions. They are unwilling to budge on this issue. I have taken screen caps of all of this and am sending to BofA legal to demand that they refund the charges. I have changed all of my direct deposits to my credit union and will not be banking with BofA any longer.

Have been receiving nightly robocalls ostensibly from Bank of America, telling me to call 866-. No reason is given but I am told to be ready to provide my name, address, account number, and social security number. Of course I didn't comply but I did look up the number on the internet and found HUNDREDS of complaints about the same thing. B of A showed not interest when I called them and alerted them to the possible fraud. I then contacted my telephone company, at&t, and their advice was to get a new phone number.

Now I KNOW that they have the technology to monitor my incoming calls and trace them back to their source but this is not an option according to the phone company. Get a new number indeed. It is apparent that the phone company is simply making too much money from these nefarious entities to find and prosecute for the criminals they are. In my opinion the phone company is as much guilty as the perpetrators of this invasive and illegal activity. Constant harassment, every evening between 6 and 8 pm, by the unknown caller.

I received a check from the daycare where I work. Went BofA to cahs it/went through drive thru, was informed I needed to come in, which I did. Thumb print, ID, etc. Then was informed it would be 6 dollars. The check was drawn on an account with BofA. I got my check back with some choice words.

Went back to my work place. Told my boss. She got on the phone and who ever she talked to did not even know about the 6 fee. Needless to say I will have nothing to do with them in the future. With the way they have been represented in the media looks like they would like ot have better customer relationships. No damage. Just lost my religion for awhile.

I thought a check had gone through, but my daughter hadn't yet cashed it. When it landed it caused my account to be over drawn. I wasn't aware of it, used my atm to debit my account, and then found out. I ran home, deposited $200, but they just used the $$$ for fees, caused other debits to bounce. Fees over four days were $$315. They did "gift" me a $115 back. Customer service called it a gift. Then in the bank, the manager said there was nothing she could do. She gave me the customer service number and told me to call them back.

SSS, but because the said ID's was inserted on a plastic cover as a protection, instead, she started to act rudely and told me that she cannot cash my paycheck because of the ID that i showed, but she did not even flip the other side, that there was a Driver's license. probably she got embarrased, but still did not even listen to me, i feel embarrased due to the fact and she conclude that i am an illegal immigrant trying to trick her, to cash the paycheck.

after she handed out the money to me, she did not even say Thank you, all she did was pouting and think i am not worthy of her time. I am thinking of closing my account and find a bank that able to entertain with minority.

They also charged me an "extended" overdraft fee of $35.00. my account is now $241.00 all overdraft fees.

Bank of America contacted me to let me know that there was a security breach in my ATM/check card and that I need to have it replaced. I replaced the card. The bank gave me a temporary card and advised me a new card would arrive in the mail. A month passed and I did not receive a new card nor did I even recall that the card I was using was only temporary. I had gone out of town and tried to access cash on my card. A message was displayed saying my card had expired. If so, why didn't I receive a new card in the mail? The only other debit card that I had was a my business atm.check card, also a bank of america card. I knew that if I accessed cash I would overdraw the account, however hacing no cash and being out of town I had no other choice.

I accessed cash which overdrafted the account and also overdrafted my credit line on credit card in which the limit had just recently been reduced to a limit of $200 over what the balance was at the time. This caused overlimit fees to this particular account. Bank of America refuses to reimburse the fees for this entire chain of events. They say I had other choices. I could have called and asked them to transfer funds from my personal to my business account even though they are not tied to each other. Additionally and generally speaking, I believe that the way they list the order of transactions are in a strategic order that benefits the bank and causes more overdraft charges to be incurred. I am sure there are other bank customers who are noticing the same issues. I would like to find an attorney who is willing to investigate claims such as mine.

In the last 2 months I have had two similar run-ins with this company. We are a small business and have 1 account with 6 separate card holders. My boss was preparing for a trip from Pennsylvania to Maryland for a convention and realized that he misplaced his card. Immediately he gets on the phone to call Bank of America and get the lost card cancelled and a new card sent out to him Next Day Air as he is definitely going to need his card for his hotel reservation. This particular hotel was insisting that he check out utilizing the same card the reservation was made with.

I am then instructed by my boss that his new card should be here at the office the next morning and to then turn around and Next Day Air his new card to the hotel to his attention. So next morning seems to come and go and it's 12pm before I really start to worry. I then call Bank of America and confirm that the card was shipped and that everything was going as originally planned. I speak with one representative that gives me a tracking number and says everything looks good but for some reason the tracking information was not appearing like it normally does and UPS should be able to give me more accurate information. At that point I then hang up and call UPS who informs me that they have received notification to expect the package for shipment but nothing was actually shipped.

Now, I'm really upset that two different representatives have given us wrong information and I call Bank of America back AGAIN. I explain what happened and am told by a supervisor that they are sorry but we were misinformed on two separate phone calls and the representatives will be coached. She goes on to tell me it will be at least seven business days before the card actually ships and at that point the card will come Next Day Air.

What the real topper is to this whole scenario is that the supervisor was wrong also. I received the card the following day after I spent the previous night traveling 3 hours to bring my boss money for his stay at the hotel and eating expenses. Had any of the people I spoke with at Bank of America been accurate it would have saved me six hours of drive time, fuel costs and my time and energy.

A few weeks ago I get a call from my National Sales Manager who says he called B of A to check the available balance on his card and was told that they would be sending him a new card very soon because his current card had been "compromised" since there was an issue at one of the merchants he recently had used his card at. I then call in to customer service, wait on hold, verify all my account info, explain the situation and then get transferred to the fraud department to start all over again. I speak with someone who tells me not to worry about my salesman being out on the road and not being able to use his card and that his current card is active until November 22nd, 2009.

Today, November 19th, 2009, I receive a call from my National Sales Manager whom is based in Kansas (our company is based in PA). He is currently in Arizona demonstrating one of our machines to one of our distributors and his customer. Apparently he stopped to refuel his vehicle and get the a few bottles of water and his card was declined. How can that be considering I just ironed out this issue not but 2 weeks earlier?

I go through the entire process again and am told that they are sorry for the wrong information that was given to me but systematically there is nothing they can do to help me or the situation that my salesman is in. He went on to say that the card can still be used but that the transaction will have to be declined first and then the merchant will need to call in for approval. Oh yeah, and only select merchants have this capability. OK, so now what? How does this look to our distributor and his customer?

So by this point I'm fuming because we couldn't look less professional to our customers if we tried. I ask the supervisor that I am speaking with for an address to send a letter of complaint. He comes back after leaving me on hold for a few minutes with an address in Newark, DE. I then ask him who they are governed by and his response is the FCC so I ask for their address as well. He puts me back on hold a few minutes and comes back and says he was mistaken and they are not governed by the FCC that they are in fact governed by the Federal Government and he has no address or telephone number or any way for me to contact their governing organization. This is unbelievable!

This supervisor also assured me that the representative that gave me incorrect information would be coached and all I could do was laugh. I did tell him if they spent as much time training as they did coaching this issue and my previous issue could have been avoided.

On October 29th of this year I went shopping to buy halloween costumes for my family. After doing so I filled up my gas tank and went home. On this same day the business that rents my daughters trumpet to us placed an automatic withdrawl for the rental fee of the trumpet. This trans action wasn't cleared until Nov. 2nd which would be the day they recieved their payment. So now my bank, Bank of America, has charged me two overdraft fees of thirty five dollars each for the halloween and gas purchases because they said since the trumpet rental fee was pending and with the other two transactions I overdrew my account.

On october 30th I deposisted over $300 in my account and on Nov. 2nd the trumpet rental fee was cleared. So at no point did my account show I was negative funds because these transactions were still pending. When the fees were paid there was enough money to cover everything. When I called Bank of America to complain about the fees I was informed that because of the pending state of the transactions I was overdrawn regardless of the fact that the money wasn't actually withdrawn from my account until two days later.

To me this is stealing. When the funds where taken from my account the money was there. Apparently pending transactions are the same as cleared transactions. You must read the fine print! So now I have a total of seventy dollars in overdraft fees already taken from my account. I don't see how this can occur. How can a bank charge me overdraft fees two days before the funds are actually released? And why wasn't any of the charges denied since there wasn't enough money to cover everything? How can the banks get away with these crooked practices?

Something has to be done. I don't know how this is legal but I encourage everyone who reads this to stand up and let your voice be heard. This is wrong! They should not be able to assess overdraft fees until the day the money is paid out. Nor should they be allowed to accept charges on accounts that don't have sufficient funds to cover them.

America needs banking reform and we need it now. These institutions are running amok with very little regulations...remember the mortage crisis? People lost there homes left and right because of crooked banking practices. Congress is already cracking down on wrongful credit card fees why stop there? We need to stand up and demand these banking practices be stopped!

Bill collectors calling my work...all day every day, and actually calling my superior. Will be filing law suit, if it does not end soon. Have been warned i will lose my job if, phone calls keep coming in. the mental stress of the whole situation has left me somewhat debilitated. I'm worried about keeping a roof over m head.

I opened up a new account. I have letters from B of A that I will not receive overdraft fees unless my account is overdrawn more than 5 business days. So the other night I spent 20.00 which I knew was not in my account. But the next day I deposited a check in the amount of 350.00 imagine my suprise when I check my account online and they have taken 140.00 out due to overdraft fees!!! That is absurd. I talked to someone inquiring why I am told I have 5 business days to deposit money in my account before I receive any overdraft fees, and it was only overdrawn 1 day. I have overdrawn my account before and as long as I put the money back before the five days I am okay and do not receive any fees. So why this time are they taking 140.00!!! There goes my car insurance this month. It is absolutely ridiculous.

When I went to the Bank of America, the bank teller told me that - "would I like to save the changes from my spending to the saving account." I told them sure. They didn't tell me that I needed $300.00 in my saving account so that I don't get charge $5.00 per month. This is a gimmick or catch that they used on their customers. I just talked to Scott ( afriend of mine) and he didn't know it either. He was also charged for the payment.

I made a deposit of 122.42 in to Acct ending in 2285, so I thought. But through other transactions I was handed a deposit slip for my personal Acct. ending in 5891. So I'm thinking the money is in Acct 2285, so we are taking money out of Acct 2285 not knowing we are over drafting every time we're making withdrawal. So we accumulating 6 over draft fees $35.00 times that by 6 equals $210.00. Also we're Charged $8.95. It was their mistake including $8.95. So they refunded $140.00. But still charged me $35.00 because it was 5 days over the overdraft charges, which was their mistake. So since they were taking out fees, which I was unaware of.

They should have refunded that money back. Then I wouldn't have been over drafted again for the amount of $24.44. Which caused another $140.00 worth of fees. All of these debits were 3/two dollar debits $12.50, $8.00, $19.20. I talk to people online and over the phone and in the bank trying to straighten this mess out. So I deposited $75.00 and they refunded me $70.00. I ask the lady online what I need to deposit so I would be in overdraft. She said I needed to deposit $64.00 so I deposited $75.00.

So Sunday I'm over drafted again of $24.44. They had taken out another $35.00. So I went in to the bank and deposited $50.00's and then went into where I bank at and wanted to know why another $35.00 was taken out. She said that it was 5 day over the overdraft limit and I did nothing about the overdrafts. I had talk to people over the phone and their supervisor, went on line live chat. So I think every thing is taken care of. From the 10-26-2009. They hadn't taken money out or made the mistake in the first place I wouldn't have had any of these charges. She said it was partially my fault and I need to keep better records. How can they do this? It's so wrong.

Then there would be no debates on time of transactions. They should have never taken any money. They have refunded me most of the money, but I don't care if it's $5.00 or $35.00's it's still mine. But they refuse to because I was 5 days late even though I've been talking to people about the problems. It's not right.

My husband call about Foreclosure Loan and the lady hung up on him telling him he didn't qualify.

They were holding my Claims check for 4 months. When they finally decided to release the claims check, Bank Of America sent the check to the wrong contractor. I'm getting ready to sign a forberabnce aggrement and the work is not done for the tenant to move in.They told me it will take several weeks for them to reissue another check.

They said because the funds were empty. That is not true because they have over $8000 of the claims check they only mailed out $4000 To the wrong contractor. I have a tenant who wants the place for 12/01/2009 cant make my forberiance agreement. They are telling me the check want be to the correct contractor until after december. PLEASE HELP ME. I will loose the property. Because Of BANK OF AMERICA.

I believe a short sale. A simple yes or no would be civilized at minimum.

It appears that Bofa has grown too big and do not care for small customers like us. We have been told that we are VIP customers but when we go to the branch we are treated like beggars. Just for your information I have already transferred 50% of family members funds from different b of A accounts (personal as well as business) during the last 6 months to Wells Fargo. I have to waste lots of time and eneregy to get things cleared. When I call online they just keep transferring me to different departmnets and no body have solutions, When I go to the Branch the managers talk like they are the boss and we are beggars. It appears that they are not well trained and have no knowldege Few instances are as under

1. Business Account. We get a check from our customer drawn on BAnk of America account (custmer also has account in B ofA. My acountant goes to the branch and the branch puts a hold on the customers account as there is enough balance and we are told that since we have put a hold on the account, our check is gaurnteed. After few days we received the same check back from the BANk as unpaid when I asked the Branch Manager she says there is no gaurntee even if the hold is placed and she can not do anything about it. There is a discrepacncy in what the branch manager has said and what the bank associate has told. It appears that they are not well trained and always give conflicting Statements and the branch manager is unwilling to accept the mistake and say Sorry (BAnk of America, San Leandro Industrial Branch). Her tone was also very rude.

2. Personal Account : On Nov 10, 2009 (at 10 am), I went to the branch (San Leandro Industrial Branch) and closed 2 cd accounts and transferred the same to My checking account. I asked Sunita, bank associates, that if the funds are available right away. she said since it is a

transfer from one account to another account yes I can use the funds right away. So I went back to my office and opened the Cash maximizer savings account. I checked online to make sure that the funds are available and they were available.

On Nov 11, 2009 in the morning when I checked my Online account, I was surprised to see that the transfer entry is missing from accountand my balance has been shown as overdrawn because of tranfser funds to new savings account. Please note there was no money transferred to my saving account and only hold was placed on my checking account which triggered the overdraft. Also somebody placed the hold on $90000.00 ( please note it is only a transfer from one account to another account). The bank was closed on Nov 11, 2009.

On Nov 12, 2009 I called the customer service and requested to fix the problem. They kept transferring me to the different departments and the problem was not resolved. So I went to the branch . This time Ms. Gloria helped me. She was nice enough to call the cd department, As instructed by the cd departmnet she credited my acconut with the 2 cd amount interest up to 11/12/09since the cd was not credited to my account on Nov 10.

On Novemebr 13th, I checked my online account I was surprised to see the following: 1, credit totalling to 2 cd amounts made on 11/12/09 was reversed. 2, I was charged an overdraft fee of $35.00. 3, I see credit ofcd but with interest up to 11/10/2009 . 4, Hold on 90000.00 since Nov10, 2009 . this should have been transferred to Saving cash maximizer account on 11/10/2009 (The hold is still there as on 11/13/09 (1.08 pm).

I called customer service.They told me that I need to go to the Branch. I again went to the branch and Ms. Sunita came to help me. Branch MAnager approahed me and told me to talk to Ms.Gloria. She was nice enough to reverse the $35.00 overdraft fee. I requested that I should be credited with my 2 days interest on the cd was credited to my account on 11/12 and not 11/10. She went to the Branch manager and returned to tell that as per Branch manager I am supposed to read the fine prints on the deposit slip which says funs are available subject to verification. (Please not that on11/10 Ms Sunita informed me that funds are immediately available as this is only a trnsfer from one account to another account and thet were actually available when I transferred the funds to Saving account This kind of answer is relly irritating.

ALso please note that it was only a clerical error on the part of the bank and not because the funds were being verified as thetransfer was as good as cash. If it was really acase of verification, the Cd departmnet would not have instructed Gloria to transfer the funds again on 11/12/2009. Actually the Cd Department could not trace the entry of 11/10/2009 as somebody in The Branch forgot to post the entry on 11/10/2009.

The bank needs to accept the mistake. I am told that the mistake is mine as I did not read the fine prints as the funds are avaiable sbuject to verification The bank of america really needs to train the managers customer service and learn to accept the mitaskes as they are reperesnting BAnk of America Otherwise they will loose valubale customers.The Branch manager should no that the money has been transfererd from ione bof a account to another bof a account which is like depositing cash.

Also she needs to learn to honor the words said by her associates and her subordinate staff rather than contradicting their statements. It gives us the feeling that the branch managers, THE HEAD OF THE BRANCH, has no accounting sense and are untrained. Just for your information, 10 of the customers of mine who used to bank with B of A have closed their accountsand moved to Wells Fargo because of poor customer service.

Till now there is still a hold on my $90000.00 and I am loosing interest on the same at the rate of 1.50 per cent. ALso It is our hard earned money we put into the bank believing that the money is safe there. But the BRAnch Manager acts like as if that money belongs to them now and they can do whaterver they want and make us beg for our own money. It appaears that bank of america has no training at place and they just make anybody the branch manager.Also please not I am bank of America customers for more than 15 years but they do not care.

I continue to receive e-mails from BOA that my account is going to be closed due to tampering. I do not have an account with them and never have. I printed it out and they confirmed it was a scam. How can I stop this?

I am absolutely livid. What are the reps at the Bank for? So that I can walk in and hear some spheel about what services they have to offer while they continuous screw up the services that are already being rendered. I am being charged overdraft fees while they put a 3 week hold on checks and/or money orders that I deposit. I went into the bank and was told they were going to fix this and to date nothing. Meanwhile I haven't any money and I'm watching the red on my balance just stay there.

This doesn't even cover the overdraft fees. Considering that I was denied overdraft coverage 4 years ago and had closed our savings account in February, I couldn't for the life of me figure out why my card was never denied and I was able to incur so many fees. I do understand that keeping a balanced account is my responsibility, but also find it hard to keep an accurate balance if my husband and I share the same account. I was advised to use all transactions as credit to give us a few days to 'recalibrate'. The problem is, unless I checked on line every day, this still wasn't happening. I then spoke online with Adrian (my prefered method now as I have in writing what I am being told) and was told that I would have to turn my overdraft off and that it was on as a courtesy to me. When I asked how that could be, he said I should call the 1800 number. The transaction fees this time were $140.

I called the number but it was a week later as It was inconvenient for me to call before then. I called flying off the handle as my house payment was put in 4 days early and had 5 transactions in the red. I was informed there was nothing she could do. I told her not to tell me there was nothing she could do when the least she couldv'e done was informed me that my overdraft had indeed been turned off instead of neglected through error. She confirmed this at this time. Amazingly, there were no fees. Then today, I look on my account. No red transactions but 3 overdraft fees. ??????Another online chat. This rep, Brady, informed me that my overdraft was not on and gave me the 1800. After being told they had no record of my request and therefore the overdraft was not turned off, it would be an additional 5 days before they could 'make it official'. Another $140.

My gripe this time is that my hubbie used the card for a $2, $3, $10 over the weekend, and I paid my electric bill Mon (credit card authorization only). Went to the check cashing place the following day as the 3 transactions had gone through and the electric was still 'pending' and deposited cash to cover the difference. I can't understand how I have fees for the 3+1 and not just the one? I also asked why I should have fees period as I had asked 3 times 3 weeks in a row to have overdraft turned off.

Anyhow, if you have any gripes with BOA, I would suggest online chats and then print or even a phone conversation recording devise. They are very inconsistent with their practices and I have probable wasted a house payment on their fees this year alone.

On July 25th, 2009 I went to make a deposit at the atm, and I noticed that there was something wrong with my account. I began to try to get in touch with a customer rep at Bof A only to find a run around. I spoke to several representatives that refused to give me their names or emp id# and were of no help as to explain what was going on with my account. It turns out that I was overdrafting on my account and no one could explain why when I had a BofA credit card that provided me with Overdraft Protection. Representative after representative avoided telling me how or why this change was made and my account went farther and farther into debt without my knowledge of what was going on.

Finally one person told me that my wife had been offered a savings account that would automatically transfer $25/month from the primary checking account, I asked to speak to the person who authorized this change and they refused to give me a name or even put me through to that person. I wanted to get an answer as to why they canceled my Overdraft Protection when we signed up for a simple savings account. I do not understand what relation there is between an Overdaft Protection with a Savings Account. It was never explained to my wife and they said that they sent a letter of notification to our home but we never received said letter. In lieu of this situation I had to take out a loan of $5,000 with BofA just to cover penalty fees that they placed along with monthly bills.

About 5 years ago I opened a checking and savings account with Bank of America. I chose this bank because it is the one that my mother has used for years. At the time, the job I had offered direct deposit and I had my pay checks direct deposited. Earlier this year I changed jobs and the new job did not offer direct deposit. I couldn't figure out why I began to have checks bouncing several times each month. Recently when I called their automated line, I was told that in addition to the $35 that had been taken from my account, there was an $8 fee that had been taken out. I called their customer service line and was told that because I did not have direct deposit, this fee was being taken out each month. When I asked why I wasn't notified of this fact she told me that when I had opened this account I was told this in the written information that I had been given.

Since that was 5 years ago I asked for the information to be sent to me again. What I recieved was 2 lengthy pamphlets, in small print and could find no information in this as to a fee if direct deposit is not used. I agian called the customer service and asked them where exactly I could find this information and was told that she did not know. I am going up to my branch and see if they can help clear this up. When I asked when I could expect the next $8 fee to be taken from me I was told that the date changes every month and that I could figure it out by looking at my statements and could know ABOUT when it would come out. This is crazy. On top of them taking this fee without notifying me, if a check bounces (due to this fee) I am charged another $35.

Account was opened with direct deposit and an additional cash amount was handed to the service representative for a "new program". At no time was the ATM/Debit card use demonstrated on the premises and instead the temporary card with the pin number written on the envelope was mailed along with the face sheets of my account information. There was a discrepancy with the account,which was subsequently closed because it was set up incorrectly I was told the temporary card was good for 30 days and a new one was due to arrive.

After the temporary card expired, I called and spoke with a representative who said the card was mailed to an address over 12 years old. I explained I no longer resided at that address and was unclear why that address was associated with my new account, no one was able to provide an answer but assured a new card would be mailed to my current address.

I received the card, and after checking my account balance I discovered the account has been compromised because the resident at that address activated the card, made withdrawals and purchases with the card. I went into the branch and spoke with another representative who was very rude and made what I felt were accusatory statements as to the events that occurred and that I was someway at fault for the misuse of my card. The bank is not assisting me with resolving the matter, and I am out of all of the money that was in the account which the bank is not trying to refund.

I have been a loyal BOA customer since 2006 never have had any issues until now. Bank of America's automated system, online banking and branch tellers give you incorrect information. Because of the incorrect information I absorbed 6 overdraft fee's totaling $210.00. When i called on 11/02/09 I spoke with a so called "customer service rep" his name was Mike after requesting a corporate number he recited the same number i called very scarcatic.

I called again today 11/03/09 and spoke with Maralie which she said she can only remove two of the fee's I requested to speak to a supervisor which that was Tammy. After repeating the whole story again she told me she was sorry about the situation and she would not be removing any charges I reminded her that the other rep and she told me two were going to be removed. Tammy stated that was never stated to her and she will not be helping me.

I requested for corporate number again and she told me there is an answering service I can leave a message and they will contact me back in two business days. She also said "she is going to try and contact the other rep who was going to waive some of the fees " was not too convincing. So much for being a loyal banking customer. $210.00 in fee's not deserved

In the month of September I received a total of 19 Overdraft fees. I called the bank to see if there was anything that they could do in regards to these fees as it would consume more than I had and I was advised that there was nothing that could be done. I kept calling back and was advised that they were not bank error but in fact my error and poor maintenance in my bank ledger.

I advised the rep that I would like to speak with a Supervisor and was advised that I could speak with anyone that I like including the supervisor for them to tell me the same thing that they told me be there guest. I asked them about closing my account and was advised that since I had a low retention rate it would really not do much any way. I could feel free to close my account.

I was so dissappointed to be spoken to this way. I was also sorry that I was not up to Bank Of Americas standards of what should be a retainable customeer. I went into the branch and was advised by a very nice young man that they had went in while speaking with me and decided that they were not going to refund any of the fees. He could only assist me with two of the fees. He did and I was exteemely thankful.

I was advised that I could contact the Consumer Complaints department and perhaps file a complaint. Maybe they would refund me something else, when I called they advised me that since my account was not overdrawn they wouyld not do anything for me. I could feel free to file a complaint and they would write me. I have been waiting since then. I have since received two more fees. These fees consume more of my income then I can afford. I have been unable to pay my phone bill or make car payments. My children had trips that I could not afford to pay. My children had to wash their clothes out by hand and I could not buy them what I felt was adequate food to eat.

This is a complain for Bank of America.I pump gas in my car with my debit card.I didn't know I overdraft by $9.30.B.ofA. charged me $35.00 for my overdraft. After 5 days of not settling my account,they charge me another $35.00. So my total for an overdraft of $9.30 became $79.30.I think this is too much. We are at their mercy. Something has to be done about this.

A few years ago, I opened an online account with Bank of America with the accepting that this account had no minimum balance and no fees attached to the account. I recently received a letter that my account was overdrawn. i called customer service who informed me that even though my account was not used in 2 years rather than closing the account they began charging me fees starting in April of this year. I was never contact, if i had been contact I would have closed the account.

I asked a customer service rep and a supervisor, to please reverse the charge and close my account. the agreement upon opening the account was that no fees would be charged and no minimum balance. They were very unhelpful and rude in the process.

All I want is for Bank of America to reverse those fees they charged and close the account. When I asked the supervisor to pass me to someone else, she refused and ended the call.

I have been mailing my deposits to BoA in Cohoes, NY, from KY (they don't have BoA here)for 10 months, since job closed up shop and I no longer had direct deposit. It normally takes a week to process by mail. On 10/29/09, I purposely overnighted a deposit by USPS for 17.60 fee. USPS shows the bank recieving, and signing for the deposit at 9:46am 10/31/09. It is now 10/31/09, and the deposit is not even shown as "pending" in my account. The Cohoes branch is so slow, that they aren't even open on Saturdays.

In trying to contact BoA on 10/31/09 for an explanation and a credit for the 17.60 I spent for prompt service, I reached an online call center. All they were willing to provide me with, was the recording phone number. They refused to give me the name of a BoA supervisor, I could call on Monday to discuss this with. They just kept repeating what my acct showed, while I kept explaining I had proof with signature of the deposit having arrived in adequate time to be processed that day.

This bank was always very helpful while they recieved my direct deposits while I was working. Now they charge me 8.50 per month, even though I mail a large deposit for the same amount monthly. I paid extra to get this deposit to them, and they did not perform their service. I should be able to back charge them a fee. At the least I would expect to get credited for my 17.60 expense, but in reality I should be able to charge THEM for inadequate service. My family owns stock in this bank, and this is the disgusting service you get.

I have had a checking account, that I very seldom use, in a nearby bank (BoA) branch for many years. I keep a small account there for emergencies if I need a local bank. I recently was checking and updating my online banking information and found I was being charged a 20$ a month fee for a 500$ checking account (5000$ in savings). This fee was new to me, it was never there when I opened the account and I never approved the change or even knew about it or I would have obviously closed the account. This has been charged for over a year. Since I don't use the account I seldom check it. I really don't expect new fees to be charged without notification.

I had a payroll check mailoed to the wrong address after getting it reisued I realized one of my B of A accounts was overdrawn. I put the money in and found I was charged 7 $35 fees.. $245.. Here is the kicker. My total charges were only $110. How is it possible to get charged that much in fees. It should be illegal. yes it was my fault, but even interest on personal loans is not that high and it is illegal to charge a certain amount. How come not here?

I had to call customer service and spoke to several people and one actually tried to give me a lesson on balancing my check book. I am a calm business man but I lost it. They are just employees, I get it. But i dont need advice from a girl that I would not even hire in my own business. I am all about business and less government and believe that people can make the change, but when all of these banks are doing the same thing the little guys has no chance.

WRITE and complain. Or lets figure out how to start a different type of banking system. I am tired of it and will be looking for a new bank (may have to go small to not be robbed- local banks here I come) and ALL of my business and clients will not use Bank of America. The damage is loss of time and income not only to me but the people I would have used the $245 on. The local vendor, etc. when money gets out of flow it hurts the economy. Bank Of America and all banking needs an overhaul. This is why people rebelled against england and through tea parties. I get it now.

I've been with bank of america since 1991 (15 years)and I will be closing my account tomorrow. Bank of America has changed over the years, I guess since the merging with other banks. Lately, what I come to realize is that Bank of American do not care anything about their customers. All they do is take your money, charge you bogus fees and destroy your account so bad that you can't even figure out what went wrong. There is no customer service whatsoever. Instead of being treated as a customer and instead of them providing a secure place to keep your money, they treat you as if you owe them something. I've been hung up on by customer service and treated rudely in the bank. I don't even see the person of having a walk-in bank, because they don't handle anything--they direct you back to their 800 #. No one cares anymore. I wouldn't advise anyone to bank with BOA.

I usually make my mortgage payment w/ bill through BoA. On 9/11/09, I observed that my account had a negative balance & called the customer service rep. who then notified me that not one but two mortgage payments were taken, which was not authorized by me. My discussion concerning with this rep. concerning this issue was unsuccessful.

On 9/12/09, I called BoA again with my concerns and was then placed on a conference call between myself, BoA & wells fargo where I explained my intent of only paying one mortgage payment. to my surprise on 10/16/09 I viewed my account and saw numerous NSF's in addition to reversals of both mortgae payments. These charges depleted my mortgage payment. Hence, my account is now -$500.00 & my mortgage wasn't paid. I requested to have my account closed & was told that this could not be done until my account is at $0 balance.

I have two checking accounts at Bank of America. My account branches are located in Hollywood, Los Feliz, and Glendlale, California. Normally when you overdraw your account, the bank charges you a $35 overdraft fee. Recently they instituted a NEW overdraft fee called the Extended Overdrawn Balance Charge. This fee charges the consumer an ADDITIONAL $35 fee if the initial overdraft and fee are not payed within 5 days of the initial charge.

Besides the obvious ethical issues with this practice, it's obviously an attempt to increase quarterly profits on the backs of its customers. I am a stroke patient and receive Social Security Disability. I have a direct SSDI deposit into my checking account on the 3rd of every month and this new Extended Overdrawn Balance Charge will be deducted from my Disability. I admit and own the initial $35 overdraft fee, but it's this new Extended Overdrawn Balance charge that I have a problem with.

I contacted B of A at their 800 number twice regarding this issue, and was told both times that they could not reverse the charge because it was corporate policy. The first time was shortly after the initial $35 overdraft fee on 10/06/09.

This second time was today on 10/27/09 and spoke to a supervisor named Brett. I received the same response today. I am outraged that banks are allowed to institute these random charges and fees at will without any oversight and it's the customers who are hurt the most, while upper management of these banks just get richer and richer. It is completely unfair. $35.00 from my Social Security Disability for not paying an additional $35 overdraft fee within 5 days. It's grocery money for me. It's also the principle of it, and the lack of business ethics.

I have been having issues with B of A going into my account(s) (An online acct. that has been closed)taking out money causing my checking to be overdrawn several times a year. They are not helpful in helping me get funds taken out of my account without prior notice or my permission returned. Also, in most cases it has given them a way of getting $35 dollar in overdraft from me, which they refused to credit back to my account. I have often times told them that I am on a fixed income and it is automated deposited from Social Security and that makes this action illegal according to a lawyer I have spoken with. They still give me a hard time and will not comply or return my funds. Can you please help me?

I went through the drive through to cash a check from someone with a BOA account, which the clerk put all my identity on the back of her check. She kept me there waiting for over 5 minutes.She told me her account was NSF, so I ask why did she put my identity on the back of her check? Her response was "that's Company Policy. No apology.,and manager back her up.

Last year, when the market was in a very down fall and money was taken out of my 401K (Hartford) account,since I qualified to transferr funds to another institution, I was able to get a 3.45 rate w/BOA. I had her to fax me the rates. Hartford fax me the forms next day. Three days later I called back to BOA, what happen to their fax? No one knew anything about it, so I ask to speak to the Manager, which was told he wasn't in.

When I finally got to talk to the manager, he said he couldn't give me 3.45. When I told him I had a fax, he hesitated, but ask me to fax it to him, also all forms had to be originals, which Hartford had told me that everything could be faxed to get me into BOA fast, and originals could be forward later. It took BOA o/ a month to finalize everything, which still cost me o/$7,000. When the statement came out, it had a much lower rate than the 3.45. I called back again and still getting nastier attitude from the clerks.

If I withdraw my account, I will loose a sizeable amount.