Bank of America

The office of Bank of America has been treating me with irregularity, very rude attitude, unprofessionalism, lying, delayed tactics, and inconvenience in the home mortgage loan application. It is difficult for me to follow the loan officer's demand again and again for almost 4 months, and I am exhausted mentally, physically, and emotionally.

My mother became ill with cancer and while in Texas, she asked that I be added to her and my stepfather's account with my sister, who has a power of attorney for the two of them. A year or more after she died, I called customer service and asked to be removed. In short, a case file was made and got a reply from FL. Case close. While in Concord, California on vacation and using the ATM at BOA, I went into the branch where I had to close the account to be removed. I explained all my stepfather's direct deposits from SSI and pensions, as well as payments for his nursing home would all have to be re-established with a new account. Besides, it's his account. All I want is off it. Then he looked at my CC accounts and said, "I see you have two credit cards you don't use, I'll close those." I blew up and left.

Then after another call to CS and again, a case number assigned, FL CS sent me a letter stating they can't close it because they can't verify my stepfather, the account holder, an American Citizen and he needs to come in and bring proof. Then we were told to have me sign off on the original signature cards they sent and have it notarized and sent back, which we did. Still nothing. I called again and just asked them to send me an email with complete details as to how I can be removed from the account. I got a letter, case closed and cannot process as requested. BOA's strategy - avoid, avoid, avoid. I even had one BOA manager tell me, "go ahead, sue". BOA will keep it in court for years and even if you win, they will appeal it and you'll never be able to afford the lawyers.

I have been an account holder, checking and savings, of your bank, Bank of America, since 2005. I even talked my fiance in becoming an account holder of your bank as well, him since 2007. Out of all these years, May 2012, your bank's decisions have caused stressful situations to enter already a stressful life. On May 3, 2012, I checked my online account and found a check of $903.66 posted, the funny part is my account did not have the sufficient funds to cover this check in whole. I made a phone call to 1-800-288-4408, spoken to a broken English representative named Maria who led me to the 1-877-366-1121 where I spoke to another customer service rep named Leisha. I told her I need to stop payment on this check. She basically told me that I, the account holder, did not have a say-so on my money, but the bank has not issued out funds to pay the check and wait until ledgers close for the day.

Okay, May 4, 2012, I woke up again and checked my online account with the bank. Same ** posted plus an overdraft fee of $35. I called 1-877-366-1121, told them why a stop payment has not been made on the $903.66 and the only transactions in the account that should be happening is the $14.57 and a transaction from Capital One. This conversation led me to another CSR and told my fiance that the check has not been paid by the bank, stop payment has been requested and we should have a better eye on our funds. He told us "to have a more watchful eye on an overnight process your bank have done after 1:00AM". I'm asleep! And if I did catch it at this time, my fiance and I will still be going through this same **.

It is the weekend now, May 5th and 6th, same ** going on. The check is still posted, still overdraft, but you had the opportunity to add the fees and not fix the ** account! On May 7, 2012, I called and finally got in touch with one of the bank claims department rep. I told him my story again, he gave advice, claim number and what steps to take after receiving the letter. Four days later, I was filing a claim by letter. I checked mailbox on Tuesday the 8th, the paper document from your bank states "stop payment notice" on May 4th. Cool. Check account, the same ** but now I have the two transactions that I said that were approved to go through posted on the account. No money to pay them and another overdraft fee. At this moment, I am watching the account at 1AM in the ** morning when I have to be at work and guess what? Same **, still overdraft, no corrections were made.

I'm feeling mute at the moment and the bank have proven to me that they have more control over my hard-earned ** money! I'm upset, cannot sleep because of this **. I checked my mailbox on Wednesday, 9th, looking for the claim paper. The same ** paper document telling me the same thing again, "stop payment notice", now dated May 7th and still no ** changes. Me and my family is hungry now, we need food so we'll see a check to Albertsons and guess you gladly sent the ** back the same day practically. How come this could not happen to the other check for $903.66? Yeah, that one. If you would have done what my fiance and I have requested, pleaded, just about beg to stop payment on the check, you would not be reading this letter now. Oh, there is more, finally get the claim form on Saturday, the place is ** close over the weekend, but a bank here was nice enough to fax this claim form over with no problems.

Another weekend coming up gone by, today is May 14, 2012. Now, the account is still ** up, so many small debit, charge, credit, fees, charge, credit, fees, charge, credit, and fees some more, but still that ** check of $903.66 is still sitting in this account. Two letter documents have come to my address saying I have requested stop payment so phone calls were made about this check, the same ** check of $903.66. I have filed the claim stating, available funds did not cover this check and the bank should have not posted after process. We did not give you this say so of how to work our own hard-earned money! I called that 1121 ending number again, told Angie and she was sympathetic with me. She sent me to Tiffany. I told Tiffany what is going on, she admitted of having all this crap, please claim paperwork on file, but I have to wait some more. Again, some more.

So now you see, I am passed to level of livid. So much ** has happened in my fiance and my account, but the right thing. Now your CSRs are thanking me for being an account holder of the Bank of America and this is how thanks is shown over the past 10 ** days. Oh by the way, with $17 and some change in saving. Wow thanks, you guys are so awesome.

A friend of mine wrote me a check which I deposited to my account. The money cleared and then a few days later, the money was removed from my account. I called and asked what was going on and I was told that no one could tell me exactly because it was all in a letter with the cancelled check that was snail mailed to me. Of course, this letter has not arrived almost 10 days later. But I find it extraordinary that the only evidence of this missing hundreds of dollars is only on this one letter.

So my friend contacted her bank and guess what? The money was never put back in her account. I called and spoke to three different people in customer service. They didn't pass details of anything I said onto the next person, so I had to explain it over and over. While they asked me the same questions over and over and told me when I got the cancelled check in the mail I could redeposit it and see if it would clear, but if the money never went back to my friend's account, how would that be possible? I asked. No one could answer that one. Meanwhile, I had checks written on that money that had been in my account. Do you think Bank of America will not charge me fees for this? Of course they will.

Finally, I was able to talk to a supervisor who told me that they never received the money because a stop payment was put on the money. My friend was on the phone with her bank at the exact same time, we had everyone on speaker. Bank of America told me that the other bank needed to launch an investigation because obviously, it was their fault. The other bank told my friend that there was no stop payment and that the money was at Bank of America. Bank of America said its hands were tied until the other bank launched an investigation.

Time and time again I asked if we could work with just one customer service person to follow this case, if there was a number or email where the other bank could contact Bank of America directly. The supervisor told me no, there was only one main number and it was luck of the draw. He did give me a confirmation number saying that he would look into the problem and that the other bank had to contact Bank of America to work this out and there was nothing I could do. Well, I gave all the information including the supervisor's name and the number he gave me to someone at the other bank. She contacted Bank of America and couldn't get the supervisor I talked to of course, so she had to explain the whole thing to a new supervisor.

The new supervisor told the woman from the other bank that she wasn't allowed to release any of my information and couldn't help her. The woman at the other bank didn't want my social security number or anything. She just wanted to clear this up. So as things stand now, Bank of America has told me that I can't do anything about this situation. But when the other bank tried to do something about it, they were told they can send a letter snail mail. But that is their only option. In the era of instant bank debits and credit, in the era of email and phones, we are waiting for snail mail to me, for something that might never show up and the other bank needs to snail mail Bank of America because apparently, they mistrust these fangled inventions of email and phone.

Meanwhile, as a teacher, my summer income is dwindling and this remains unsolved with my account and I will wrack up fees and have to pay them because Bank of America will say this is not their fault and no one cares if I can buy groceries or not.

I've been a Bank of America customer for years and why I have not left them yet is beyond me. Every time I turn around, they are shutting my card down. I have had free checking from the beginning but get a $12 a month charge. I signed up for a keep the change savings account and now am getting charged $5 a month for a low balance. These people invent new ways to screw people out of their money. I've got to do something else. These bunch of crooks do whatever they like and get away with it. I have direct deposit that comes in on Wednesday night. At midnight, they have held the deposit up and ran through deductions first to lower my balance then charged me a $35 fee for a low balance before crediting my account. Somebody needs to do something. This is basically a legal form of robbing the masses.

We own a mall retail store and bank at Bank of America. For over 2 years, we have been going 2-3 times per week to Bank of America at 3111 W. Chandler Blvd, Chandler, AZ to make change for our cash drawer. Randomly, we have been asked to present our debit card (1 out of 10 times) and this last visit, we're told that there is a charge for making change (i.e. large bills to smaller bills and rolled coins). I asked to speak with the branch manager and asked if this was new. She replied no, it has been a policy for a very long time. My immediate response was that I had been making change for the past 2 years with her and everyone of the tellers that were present yesterday and have never been charged or told there was a charge for making change. Her response was that I must be mistaken.

I think BOA believes that their customers are either total ** or suffer major cases of memory loss. I don't mind policy changes, but when a branch manager blatantly lies and says that it was active for years, I take issue. We are talking about making change over 200 times in the past 2 years and several of them directly with the branch manager. This is truly a case of cutting off your nose despite your face. Enjoy your bailout money, hopefully, it will be the last time us taxpayers, your customers, bail you out.

I've had a number of odd things happen with my accounts with BofA over the last several years: 1) opened a CD one week, they closed it, took the 2 cents or so interest, then reopened it a week later, 2) charged me a fee that it clearly states on their website I wouldn't be charged, 3) had a weird occurrence of "someone" using my card somehow in Alabama. That was reimbursed with insurance funds. I'm skeptical of the whole thing.

So I switched to a credit union, but I like the convenience of being able to get cash from the nearby ATM. So, I kept a small balance in an "online only" account, which is free of charge if you opt out of monthly statements. It was fine for awhile, but then suddenly, they started sending me statements. It didn't register with me until I noticed my account was dwindling with a $9 monthly fee for the last 3 months. I called. They apologized, and paid me back. I reset the setting back to "online only" statements.

Yesterday, I got another statement in the mail. I looked online and my settings hadn't changed. I called, and they assured me there'd be no charge. So I just want to check my account, but now I can no longer log in. An old site key comes up. After all the other issues I've had with them, I really feel like they are trying to steal my money. I feel like I need to go there right now and get my money out. You can't trust them.

I have been a customer of Bank of America for many years. I have a checking, savings and credit card. I have had the same debit/credit card for years and at times had issues with the bank not authorizing a charge and sending me a text message on my cell about unauthorized charges. I contacted the bank's toll-free number and cleared up the matter. I travel a lot, mostly between PA, NC and FL. Anytime there is a holiday, I schedule vacation around that holiday so I can travel. Bank of America somehow feels they are protecting me by not putting charges through and forcing me to call and verify, however, it has become a little silly in my eyes. My wife for instance had to call and state she was headed for MA and DC for her doctoral residency and please do not close the card. It is like my vacation is being monitored because I have to report in to Bank of America or my charges will not be put through. Kind of seems too much of a Big Brother thing going on.

Late last year, my card was hacked. We purchase a lot online and somehow someone in TX bought a bus ticket on Greyhound. I was not aware of this as I was on my way to Wal-Mart to purchase a $1,200 flat screen. Of course, the charge was not authorized and the associate assisting me looked at me like "yeah right. You really have $1,200 in your checking, sure. "I had to go outside because a signal in Wal-Mart is impossible to clear up the matter. The rep said someone hacked my card and charged a bus ticket. They authorized the charge. However, I had to get a new card after the fact that only said "preferred customer" on it. This posed a bit of a problem when traveling.

It is now May of 2012 and I purchased a Best Buy gift card for my mom-in-law, an Outback for my mother-in-law and another Outback for my mother. My wife has four parents. They canceled one of the Outback transactions assuming it was a duplicate. However, they do not know which mother was canceled. The gift card place does not know because they have no record since both were authorized. There is a chance one mother will not get her gift card and we will look like complete jerks. The rep at Bank of America stated that Best Buy was hacked and the hackers got my card number.

I have to pick up my vehicle tonight from the repair shop and have to call prior to the transaction being put through to say it's okay. Then I am riding with my wife in the MDA Harley ride in Bethlehem, PA this weekend and we are staying in a hotel. The room is guaranteed with my debit/credit and the rep explained that the charges will not be put through since after tonight, the current card will be canceled. I called the hotel and they do not take cards that say "preferred customer." The card has to be in someone's name. So, I contact Bank of America again and the response was "take out $1,000 cash from your account and use that. The hotel will normally take $500 deposit." My jaw dropped. Sure the rep knows how much I have in checking and savings, but come on. What if I had a mortgage of $2k that was coming in? Or my Berks county outstanding check for taxes that is almost $1k? At this point, my wife just said we should cancel our account. I am so sick and tired of all this. She then said to get by, we will use my credit card and charge the room to it and then just take cash out for gas, incidentals and food for the weekend. She is now in the process of bank shopping.

I can understand your bank is trying to protect against fraud. At one point, your establishment did nothing until after the fact, now you have gone off the deep end and have become too protective. Why can't you find a happy medium? If you see an authorization come through, why can't you contact the consumer to verify before you just cancel the card and the consumer is left with no money and looks like a complete loser? I have money. My wife and I have good jobs and we have money. We may not have your kind of money but we do very well and have both worked hard to be where we are. Please do something about this because I am now going to get another temp card tomorrow and am just very upset.

My 16-year old daughter was denied cashing her first check because she doesn't have a Massachusetts ID because she's 16. The manager and teller should have known better. The bank's location is in Boston, MA, Kenmore Square and Brookline branch. I think this is because we were black. She had proper school ID and it was a Bank of America check.

Bank of America ATM located at College Drive and Cicero Ave. in Palos, kept my debit card from another bank. Lots of funds in the account. Why did it keep the card and how do I get it back? A manager at the bank said they have no control over the ATM and can't help me.

The American Financial System rules how banks should behave between them, sort of; the same system that Bank of America participates in, issues a starting check booklet to new customers, until they request their own checks from anywhere. Those five checks in that booklet is not for fun or for the beauty of it. They are, in fact, regular and official checks accepted and authorized by the American Financial System, FDIC, or whatever it must be. 50% of my new customers are new in the American Financial System, since they come from other countries. 50% of the initial checks I receive from them comes from Starting Check Booklets.

During the last 7 or more years, I have been depositing starting checks at my company's bank account at Bank of America, until today. To my surprise, today, the bank teller told me they could not accept a starting check from Regions Bank, as part of the deposit I was trying to do to my company's bank account at Bank of America. They told me BOA is not accepting starting checks any longer due to high fraud involving starting checks. Well, talking to the branch manager, I asked her to give me this in writing so I could go to Regions and show how BOA is discriminating other banks and messing with clients' state of mind. She could not do it. The information is only verbal. That's amazing. Her suggestion is to go to Regions and cash the check, or get a cashier's check, or ask the customer to request a normal (non-starting check) and them pay me. That's ridiculous. The BOA manager then created a "case" in the system, that BOA will review and give me an answer in six days(!), another ridiculous thing.

Then, after my blood pressure went to 190/130, I left and drove to Regions Bank to tell them the news. The Regions Bank branch manager was astonished with the information. He said, the starting check must be accepted anywhere as a regular check, and that Bank of America should accept to deposit it. Against all the odds, I asked to cash the check to solve the problem, but Regions Bank would only be able to do it charging me 1% ($20) from the check amount since I do not have account with them. End of story, the check is still with me. I can't deposit and I can't cash it without losses. The customer is traveling and I can't do anything.

I am a client of Bank of America for so many years, a good client, that also take my new clients by hand to a branch of Bank of America for them to open new accounts, and that is the way Bank of America treats me? This is pure discrimination about a check that is valid and it is considered legal, and they are messing with my business and my financial situation. Because of not being able to deposit such check, probably my account will be with negative balance, and they will charge me overdraft. Isn't that funny? How can I contact some Bank organization or association to report such nonsense. Is FDIC a place like that? Federal Bank?

Missing money entitled to me: I signed up for a new account with Bank of America in February. My account was then closed within seconds. The B of A representative claimed she could not provide any information in regards as to why. I was then told that a cashier check would be mailed to my home address within 7-10 business days. However, a month passed and I never received that check. I was then informed that my check was lost in the mail system; in addition to that, I would have to wait 90 days until I could get a new check issued to me. I am well aware that B of A has to pay a fine to cancel the initial check due to the fact that it takes 90 days for that check to expire.

However, you as the banker/corporation are legally accountable and obligated for me to receive what is rightfully mine. It has now been 2 months and I am still yet to receive my check. Three weeks ago, I spoke with a supervisor regarding this ongoing disaster and was promised that I would receive my check no later than 7 days. It has now been 3 weeks and I still have not received a check. Today, I decided to go into the original bank I signed up with and there are apparently no records from the last supervisor stating that the 1st initial check had been canceled and a new check had been issued. Therefore, I was lied to. I was also informed by a local banker that this is something that happens pretty frequently - about 2 times a week to her personal knowledge. This is the absolute most ridiculous experience I have ever experienced with any bank. I will be seeking legal action.

I was using Bank of America website for Recurring Bill Payments for more than 1-year. On January-2012, I went to recurring payment and modified the amount from $XX.XX to $YY.YY dollars and change the date for recurring payment. On February 2012, the bill payment didn't happen and it started happening from March 2012. When I got charged for late payment fee, I questioned BOA why there was no payment for Feb 2012. As per BOA, when I changed the Jan 2012 date and amount, it overwrote the Feb 2012 date. This is really a rip-off. A recurring set-up should happen every 30-days (scheduled frequency), no matter what. Now BOA is blaming the customer for those changes.

I was exchanging emails with BOA and they were raising their hands on their poor recurring automatic payment feature. In the meantime, my utility company is continuously charging me late payment fee on top of late payment fee. I was updating AUM that I am negotiating with BOA for the dispute but AUM do not want to consider the request and they have charged me late fee for not paying previous late fee, which happened because of BOA's unfriendly Bill Payment website. All corporations are making sure that they rip off customer at their best. That is why we are seeing so much crisis everywhere.

We refinanced early 2009, and as a part of it, I got a line of credit. Though the refinance place swore they rarely sold a mortgage, they did; and BofA bought it. We never used our line of credit but paid $75/year to keep it open. Our house was on the market for two years and finally sold. At closing BofA wants $500 to close the line of credit, claiming we had to hold it for 3 years. But there was no penalty for early payoff. If it's not a short sale, BofA works hard to grab any money on the table. This is just wrong, so I am complaining loudly and in every forum I can think of. Do not associate with them if you can help it. They are looking to separate you from your money.

Disreputable, irresponsible fraud department at BOA - I have dealt with Bank of America intermittently over the last 15 years of my life and have never been satisfied with their over-the-top lack of customer appreciation and ease at which they take one's money and have so little care for customers. In every inquiry I have ever made in the past, up to and including my son's most recent inquiries, the customer service personnel talk to people as if they are guilty, bothersome and trash. I have a son who worked for months going through the unemployment process in California, had to appeal his case on his own without the help of an attorney, and won. Finally, after months of living without any income, he received back payment in more than one increment. He had a family court date the week he was to receive the money and wanted to put the money towards his child support, so he obviously made several calls to check on the balance. His card was activated on 2/22 or 2/23.

In mid March, the unemployment funds were again deposited to his account and he called within that time frame to check on balance because again he had to go to family court and pay additional child support. He knew there was to be a $900 deposit to his account. On the morning of court, he called to check his balance. It was $2.58. He immediately notified BOA. He learned that the withdrawals were made at an Arizona Casino to which he has never been, and for money orders, which he did not purchase. He has no reason to purchase money orders. At no time did BOA ask where he was and if he could prove where he was on that date. So back to court, back to the streets to live and Bank of America tells him he has to wait.

Consensus is that casinos have pretty hefty levels of security systems, so that should have been easy to bear out. Money orders, too, can be traced. Apparently, BOA didn't do any of that, or if they did inquire, they didn't demand an answer. They refused his claim today based on his phone call inquiries in February. Can you tell me who, who hasn't had any money to speak of and has lived on the streets and has court obligations, wouldn't want to inquire about the status of what had been deposited in his account? Anyone of BOA employees would be most angry if suddenly they lost nearly/over $2,000 with so little concern for his lost and much less concerned about phone calls. I know my son. He hasn't always made right choices, but he doesn't lie about anything like this and BOA now has made him feel like a criminal and taken a resource from him that could have done as much for him as a million could do for BOA. Maybe this is how BOA makes their money. Does your fraud department exist to protect your customers or only your bottom line?

My son, Keith **, has spent hours with your customer service reps (at his phone expense). A week passed. The second week, he was told he needed a police report, which he got. The third week, he was told he had the wrong police report. One day after they received that, they denied the claim! They were stalling and posed to do that from the start. BOA/Wells Fargo are perfect examples of what is wrong with corporate America today. You exist to fulfill your greed and you have no reason or desire to assist someone who is at the bottom! By the way, I would be very interested in knowing if there is a bus route to that casino because he doesn't/can't drive and gets everywhere by public transportation. I can't imagine he'd get back to the mission in time for check-in if he was lolly-gagging around in a casino!

I applied initially for Bank of America Hawaiian Platinum Visa card, which had a bonus of 10,000 miles. Those were credited to me shortly after making my first purchase. Then I saw an ad on the Hawaiian Airlines page for a bonus of 35,000 miles if you applied for Bank of America Hawaiian Visa Signature. I went ahead and applied for the new card and was hoping to receive my promised and advertised bonus points. A credit card specialist at Bank of America assisted me with the process of applying for the new card. I never received my 35,000 points. During the course of 6-8 months, I kept calling Bank of America and each agent I would speak with kept promising that the points would eventually be posted to my account. I even got a written email which stated that I should have my points shortly.

Fed up with the entire situation, I spoke with Andrew in Utah, who got a manager involved. The manager promised to personally credit 35,000 points to my account. 3 months later, the points were still not there until I called again and got a hold of a Teresa **, a bank Supervisor, who told me that I had never even been eligible for the points to begin with because what they did was a credit card conversion. She told me that it didn't matter that the manager in Utah promised me the points, that it had been an error and that she would see what she could do.

A few weeks later, she finally agreed to give me only 25,000 points. She claimed that I had already gotten 10,000 from the Visa Platinum and they fulfilled the offer by adding 25,000 more.

This a terrible business practices for various reasons: My credit score was ran as for a new card; No one ever told me that it was a credit card conversion and I was not eligible for the 35,000 points; The manager in Utah reassured me that he would credit 35000 points to my account but never did; Teresa ** was now taking back what had been promised to me by another fellow manager representing Bank of America; When I faced them with the email from one of their associates reassuring me that the 35,000 points would be credited to me shortly, they called it an error but did not make things right with me.

To make matters worse, I called again and asked to speak with another manager, George was his name. Not only was he very unaccommodating and rude but he said that even if Bank of America made an error and misinformed me, all they could do was an apology. What I request is to have the pending 10,000 points credited to my account as promised to me from the beginning. Thank you so much for hearing me and thank you in advance for your intervention.

My parents have a trust account. The CD was placed in the title of the trust. Both of my parents have passed away. I mailed a letter around January 20th, 2012 requesting that they close the CD as it was maturing on January 28, 2012. I have provided them with all of the documents they requested--notarized letter requesting the CD be closed, notarized trust certification (their form), copies of each of my parents death certificates and a copy of the trust.

Here it is, March 30, 2012, and as of this morning, it still has not been closed and the funds remitted payable to: Robert & Beverly ** Trust. I have made several phone calls over the past two months with no resolve. I was told the processing time is 20 working days. It has been that and more. Bank of America admits that they have all of the needed documentation but cannot tell me when it will be processed. I have also kindly asked to speak to a supervisor and the person says, "I am the top, there is no one above me," which I know is not true.

I need to close out the trust and disburse all of the trust assets to the heirs. This is holding me up. Please give me some guidance/advise/suggestions on how to proceed from here. They are holding the funds hostage. I live in Hawaii and there are not any Bank of America's here. I would hate to have to pay for a plane ticket to go to SC just to personally take care of this. Please advise.

I called Bank of America after I saw that my account was overdrawn by $46 when I hadn't made any activity on my account. I noticed it was a withdrawal from Proactive that I had canceled my order on. They told me they would return my money as a courtesy, but it takes 3-5 days. I called Bank of America right away to talk with them about the illegal withdrawal of my money and the overdraft charges that I will be charged because of this. Bank of America said there was nothing they could/would do until Proactive returned the money. Then and only then they would refund what they charged me. They added that I would have to call them once it was credited back to my account. I again stated that Proactive illegally debited my account after I had canceled the order. I have protection against this. Again, they said they couldn't do anything until the money shows back up.

The online bill pay offered by BofA is tricky and ripe for payment errors and confusion especially if you have more than one account with them. The payment screen is very tiny so that you can hardly see what you have entered in the tiny boxes they provide. You can schedule several payments at once (which is kind of handy) but once you click the button to make your payment, it is immediately sent through without a confirmation page like most other banks provide.

I have called the company about a discrepancy and complained about their website. The only suggestion given from the representative was to direct me to the link that shows my scheduled payments that have been made. I do not see how this replaces a confirmation page and it would seem that an already scheduled payment page is a little too late for the consumer and not helpful in the least.

So beware of making online payments with Bank of America as their website is not particularly user friendly and I believe that they are the only bank that does not allow for a confirmation page for the clients to be sure of no errors. Is it possible they like errors? Because as what happened to me, I had to pay them for a discrepancy that would have been caught if I could see the website (and I have 20/20 vision btw) and if they provided a confirmation page to verify amounts were entered correctly. Thank you.

Firstly, last year, I had a problem with a direct roll over into an IRA from Bank of America into a Baxter account. The direct transfer form was submitted from Baxter to Bank of America. Now they have filed a 1099-R to the IRS. This is wrong and now I need to get it fixed. I should not be paying tax on this. This is a lot of my time and trouble because of their mistake. I went to Bank of America last year to get this fixed and they said they did and I have the letter from them.

Secondly, my wife went to Bank of America regarding her account and they convinced her that that she could do a direct transfer from her checking into a savings account of $10.00 each month that would add up to help pay her taxes. When she did not have enough to cover this, she was charged for overdraft. To me it was a scam to get the $35.00 they charge. This happened many times as much as $200.00 was charged. She did not realize it because of this special account.

The customer service of Bank of America is horrible. I went into the Boise Town Square branch and complained that they were horrible. I went online to check my balance, and they closed my account and would not let me have access to my money for 3 business days. I have had an account with BOA since 1992.

You all need to be aware with direct deposit. I had my account overdrawn for two days for $200 this week. I now have had my paycheck direct deposited in the amount of $1,600. Please, not that I have had this same direct deposit for ten years and have been a customer for 20 years. They are holding my paycheck for 48 hours and I have no money nor gas for two days because they are holding my paycheck. How can they do this? It's money that I worked for. I have talked to three supervisors and they refuse to send me on to another manager. Bank of America is bankrupting America. We now can't even have access to the money we have worked hard for. I don't have gas to get to work this morning.

I lived the same thing twice in 10 days. I visited the branch in Alameda to talk to a representative. I waited for half an hour unnecessarily. While I was waiting, even the customers who signed in after me finished their jobs. When I questioned the situation, they made up an excuse and I did not want to take it further.

Today, I had to visit again. I waited 20 minutes then the representative, who is supposed to deal with me, walked a customer around, possibly to finish his job by tellers. We kept waiting him near his desk. Several times, he passed by saying that, "I will be right with you." After 30 minutes, I and my wife decided to leave.

I don't want to go to Bank of America but especially this Alameda. If I was an Asian, maybe they would give me hand and leave the desk to help at every point in the building but unfortunately I am not Asian. Last year in Arizona because of incapability of representatives, my account got frozen while I was in my country and I could not make payments and lost, approximately 300 dollars because of over payments. I never liked the service in Bank of America and I think I will close my account first thing in Saturday morning.

Incompetent teller supervisor Ms. ** located at the branch in Sumter South Carolina on Liberty St. At 4:49PM on Wednesday, 03/21/2012, I went into the bank to cash a check. I informed Ms. ** that I did not have an account with Bank of America, but the check was written off an account with Bank of America. She took the check and asked if I had 2 forms of ID. I gave her my South Carolina driver's license and my debt card with my bank. She had me to swipe my ID, took about 4 minutes looking at the computer (verified me, I'm sure) and fingerprinted me. Then she decided to pull up the account the check was drawn on to check the signature card. That's when she thought there was a problem with the check. She then consulted someone in the office (I'm sure it was the branch manager). Then she came out and said that the check was not good. I needed to get the customer to issue another check because the signature card did not match the signature on the check.

I totally got the verification process and can appreciate the effort, but the incompetence of someone in management is unacceptable. What I am accustomed to as the process for a non-account holder cashing a check is to get check and the required IDs, access the account and verify the required info (signature card, balance and etc.) before asking the customer to scan their ID and to be fingerprinted. The poor service not only inconvenienced me, a potential customer, but it also inconvenienced, embarrassed and dissatisfied one of your very own. The customer services at Bank of America stinks. This incident just gave me confirmation never again to do business with them. I am sure there are some very professional and competent people in the workforce who will be of better service to your organization than this individual. signed, Very displeased but not surprised

They stole 25 dollars from me and said I just did have enough money on my account. I can't wait till I'm done paying their ** student credit card so I can move my money somewhere else. I'm not worrying about getting mugged for my money. I'm worrying about bank like Bank of America stealing my money. Bank of America is a gang of thief.

I deposited my tax refund check at BofA over the ATM, because I have an eBanking account which doesn't allow me to conduct business in the banking hall. My wife was pregnant, she was laid off, and we had no medical insurance and she's due over the next 3 days. This is the only one we had. Two days later after depositing the check, we noticed there was still no money in the account.

We called BofA and asked them what was going on. A lady called Nicole, who was the supervisor on shift, told us that the funds cannot be availed until after 2 weeks because I am a new customer. She said since the check was over $5000, she cannot expedite the clearing process. We would have to wait 2 weeks. Well, we explained our situation and status. We begged her for over 1 hour on the phone to understand and at least contact whoever can expedite the process and get the check cleared in about 2 days, as my wife would be in labor then.

She went ahead and explained that because we have no relationship with the bank, this cannot happen. She also said that we just have find other ways to get through the situation and also if I want, I could just close account and they will mail us a check once it has processed and they have verified with the US treasury that they indeed issued the check.

This was a big mistake that I did--depositing my tax refund with this bank, thinking that it would be easier. I always cashed my tax refund checks at Wal-Mart and then deposited the cash in the bank. This time I had to learn the hard way. My neighbors did understand my situation; they helped us out during this time and still the check never cleared until after almost 4 weeks.

This is what it states when I'm making a transfer, I copied it directly from my banking site on my account: As a reminder, federal regulations impose a limit on the number of online transfers and certain other types of withdrawals you can make from this account each month. Also, for some accounts an excess withdrawal fee applies to each withdrawal or transfer in excess of 3 per month if you do not maintain the required balance in your account. Please review the fee schedule for your account for information on fees and transfer limits.

Bank of America had been charging me $3.00 fees for each transfer even when the account balance was kept. Also, when I opened this account, it had a minimum balance account, otherwise I would be charged a maintenance fee of $5.00. I looked back and noticed that they were charging me a maintenance fee when I had the appropriate amount in the account.

My records show that I paid $14,434.80 in interest in 2011. My year-end statement shows I paid only $13,721.63. This benefits the bank and basically screws me, the little guy. How can their math be so wrong and how in the world can they get away with it?

I fought with this bank for over a year to get them to credit extra mortgage payments to the principal, so I can reduce the interest due. They simply want to take money from me. Even with the reduced interest of over $14K, they did not report the full amount of interest I paid. I track every penny. I cannot stand this bank. I think they are a bunch of thieves and have come up with creative accounting methods to steal money from their customers. The only way to keep them from stealing your money is to really pay attention to what they are doing.

In the meantime, for those customers who don't pay close attention, which are probably most people, get royally ripped off. Someone needs to look at the "creative" accounting methods of this bank. They are rip-off artists. I have the documentation to prove it.

I wonder if the fees they are charging are excessive or illegal. I don't write checks. I use my debit card for everything and I use it as credit to avoid ATM/ABT fees. Also, I do this because I don't want to get in to the overdraft fee game, and I am sure many people think the same way. I found out today, the hard way, that Bank of America can choose what type of purchases (charges) are being made to my account without asking me, thus opening up a way for them to keep my hard earned money. Here is what I was told by customer service; If the Bank of America gets a request for funds from a vendor more than once for the same amount, they consider it a reoccurring debit, and will pay it no matter what the account balance is. Also, if the vendor tells Bank of America that the account is reoccurring, they will pay no matter what the account balance is.

When I opened my credit union account I kept Bank of America for when I travel, so I could still cash checks. My Norton Anti-virus subscription was still paid through the Bank of America account. I forgot to transfer it to my credit union. When my subscription renewal request went through, it put a negative balance of $3.65 on my account, for which I was charged a $35.00 overdraft fee, which is 958.9% interest due immediately. I was then sent an email stating I had to pay for it by March 16, 3 days from now, or get charged another $35.00. When I called to figure out what was going on, I was told by customer service that these fees would keep being applied until I brought the account to a zero balance. To make matters worse, to stop having this payment flagged as reoccurring, I would have to pay an additional $30.00 per charged item.

In the end my, $3.65 overdraft cost me $35.00, because customer service waived the $30.00 fee, not out of the kindness of their heart, but because I had to beg. This could have easily cost me $100.00 by Friday, if I didn't take care of it right away. What makes me really angry is the $30.00 fee for correcting their change to my account. I never asked Bank of America to make this reoccurring. Bank of America just assumed it was, and for it to be corrected I would have to pay. I'm not sure, but is this legal? What's more, and someone please correct me if I'm wrong, a federal law was passed in mid-2010, making banks inform their customers that their account would go in to the negative because of a debit/credit transaction. In my case, I was never informed. Does the reoccurring debit free Bank of America from having to informing me? It seems to me that Bank of America has found a loophole in the federal law, and for those of us who try to close it, they charge us.

So, luckily, I'm working near a Bank of America location. I went in and brought my account to zero, and closed the account. I will never use Bank of America again for anything. I will not even use their ATMs. Furthermore, I plan to spread my story as far as I can to warn others.

At 11:50 AM, on 3/12/2012, I entered BoA on 745 Main St., Hyannis, MA to wire money to England. Because the single staff person was not authorized to send wires above $5,000 and this wire was for $5,500, she needed the approval department in another location to authorize. Normally, this is given from the other Hyannis location. But that staff person was unavailable. Two hours later, the authorization was received from Fontana, CA. A simple wire transfer of 3,378 British pounds from one of the nation's largest banks took exactly 2 hours, including multiple faxes and phone calls. On the plus side, staff is exceptionally friendly and if one must be stuck for 2 hours in a bank, these are people I would chose to be stuck with.