Bank of America Online Banking

I opened an online checking account specifically for a debit card to use in Europe. I have spent over 12 hours with customer service on multiple issues and each time, I was given conflicting advice. I initially tried to open an account over the phone. They asked the most ridiculous questions and then told "failed" security questions and advised to try to open account online. I opened an account online without problems. I was given an account number, but when tried to use it on the phone, I was told that the account was not valid. I called customer service and said that there was a mistake, that after "failing" security questions I had to wait 48 hours to open an account.

The next day, I got an email from them welcoming me to their bank and now, am able to log into the account. I tried to confirm the debit card being sent out because I had seen the side bar about "optional" debit. I chatted online with a "professional banker," who after 15 minutes of questions admitted he was not authorized to issue a debit. He only helped set up accounts. I got transferred to a "senior" analyst who, after yet another 15 minutes confirming everything the first agent did, somehow cut me off. I finally received 2 debits in the mail, both with the same number but different security codes. When I called to see which was valid, no one could help me. After 2 phone calls and 2 chats, each over 30 minutes, I finally had an agent who called the debit department and entered both security codes to see which was valid.

The next day, my PIN came in mail and was six digits. When I opened the account, I specifically advised that the only use was for debit in foreign ATMs, which require a 4 digit numerical PIN. After multiple other chats and phone calls, I was told by one person to just enter the last 4 digits of the debit card, yet another said that was wrong, and to just enter the first 4 digits of the PIN, most said to just go to a local branch or ATM and change the PIN even after repeatedly telling them that there are none within 100 miles. One chat person seemed to be very helpful and assured me that I could use any ATM and she would even waive the $5 fee for an outside ATM. She walked me through clicking on options or other than click on the change PIN. I tried 4 different local ATMs and none offered that option or the other.

I wrote to the complaint department, specifically stating that I was going overseas and that I need a 4 digit PIN to use for foreign ATMs and that there were no branches or ATMs within 100 miles. I got the most polite, useless response. Reminded me that I needed a 4 digit PIN with numbers in Europe (stated in my question) and if had any further problems, a local branch should be able to solve the problem. They told me multiple times that for security issues, they could not give a PIN over the phone or email and I said that I understood, but was asking to be mailed a 4 digit PIN to the address on record. I kept getting circuitous logic. Everyone said that the new PINs were 6 digits, but I needed 4 digits for Europe but could not solve my problem.

People in customer service seemed to have no training and were incapable of answering basic questions without typing a question into their computer and waiting for a response to be spit out. No one thinks outside the box. They are very preoccupied with being polite. I would love to help you, where all your questions answered (even when they knew they were not). They were filling in forms and not solving problems.

I had tried to open an account because they are only bank with affiliates in Europe and do not charge transaction or conversion fees. For the $80-$100 I had hoped to save, I have spent this on frustration and lost time. It's not worth it, do not use this bank.

Their banking online has been down all morning long. Their contact list on the site does not work. All the other links are okay except for checking my account balances and making payments. There is no flag on their site that they are experiencing online problem. They are very notorious of this happening in the prime time of business hours. I want to know what we can do as consumer for BoA to stop controlling our access to our funds. I am very serious about moving my accounts to Chase, but I want to voice my concern and dissatisfaction with this monstrous bank.

Wrong Bank Account Information Linked to my Credit Card Bill Pay: I recently received an offer from BOA for a credit card with 6 months 0% APR. I go to the online banking to set up my account so that I may pay my credit card online with their offered "online bill pay". First of all, they have my temporary ID # that they supplied to me as my SSN, which I think is totally unacceptable (that should never be made associated with any online account as far as password and ID's go).

So I move on, I set up my "password" and write all this information down. Log off. There as yet to be a statement or any activity to see. I wait, I used my card, I "try" to sign on and I can't. I get a message on that banking site that they are still processing my account information. I need to wait two days. I had already waited 2 days from the first time I received this "message". I call "customer service" and I am told that she can "help" me. She will reset this for me. I don't know if she did or not because she told me I needed to wait two days. I explained that I had already waited the two days and that I'm still receiving the same message. She assures me that this nothing I have done, it is their system. So, I wait two days. I can't get on, my password doesn't work (imagine that).

I call "customer service". Now, mind you, I have not been able to get on to review any account activity at all so far (I had only made a $70.00 purchase a few days before, so I guess it won't show you any information on your account until you have a balance). The lady asks me all my "security questions"; my BOA account #, my physical address, the last 4 digits of my social and so on and so on. So this "not so nice customer service rep" assures me that she can fix this. She gives me a temporary "new" password and asks me to enter my ID # (which is still my SSN that they assigned) and the temporary password to see if I can get access. Bingo, I got on. She tells me to go to and change my temporary password that she assigned to one of my own. Check, done.

While on the phone with this "not so nice customer service rep", I tell her that "I don't like the fact that my SSN is my ID# and can I also change this?" "Well sure you can, let me walk you through this," she replied. She tells me "where to go" and "what to do" and I change my assigned ID# to one of my choosing. So now I have an ID that I'm happy about. This "not so nice customer service rep" has "helped" me get my password reset, and I'm good to go right? I tell her "thanks" and tell her that "Wow, I think I got this ID changed now." She states "yes, I see you changed it to "notsonicecustomerservicerep" and I was like "Wow, you have access to my ID." She says "Yes, but not to your password." I say "Thanks again for all your help." We hang up.

Now I'm new to this site. First time I've been able to access it. I go to account activity, I see the charges, they are correct. Now I'm thinking, I need to go to the online "bill pay" link, set up my checking account (not BOA) information and pay one half of this amount now, and I will pay the other half next month (nothing due yet, statement does not close until April 6th). So I click online bill pay and lo and behold, my checking account information is already there.

I was like how the heck did that happen. So it shows me the routing # and the last 4 digits of the account #. I immediately see that this is not "my" account information. I do all my banking online and have entered this information enough times to recognize this. I'm thinking well maybe they mixed up the routing #, so that a "hacker" couldn't get it, so I double check and not even the same digits. So I think to myself (this is on Sunday evening), pay $1.00 on this, and then tomorrow, I would check my checking account and see if it was deducted. So I click on bill pay, I enter payment amount of $1.00 and that's it, no confirmation # and no "this is an invalid account or routing #". So I just wait, then I decide to run this by my husband and my daughter (who are now aware that I have a "mad spending credit card" and they both tell me "no", don't do that, you don't want to take money out of someone else's account).

I call the "not so nice customer service rep" at BOA back (of course you don't get the same alien twice). I explain the situation to her and I am told that this is impossible that the only way this information can get on there is by me or by someone with all "my information". So I say "No", this is not correct, I'm the only one that has access to this credit card (my husband did not even know I had this little $500 mad spending card, nor did anyone else). So I assure the lady again that this is impossible, that how ironic would that be that I would mistakenly put in an account # that is linked to a correct routing # that is linked to a different bank (wow I'm good, I should try hacking).

I explain and explain to this lady that I have no clue who this account belongs to and that this is not my information nor did I enter this. She assures me that "I had to", as this is the only way for this information to get there, by me or maybe I had been hacked, that some hackers copy your keystrokes and that this is probably what happened. I say ok, but why would they put someone else checking account and routing # on my online bill pay, I mean how would that help them? I'm freaking out that "I now have someone else's" checking account routing #.

So she tells me to hold on, she checks, comes back and says "Yes, that information was entered on March 30, 2012 at 2:34 pm EST." I assure her that it wasn't me or anyone connected to me and that I'm still lost as to why someone would put a fraudulent account # for me to pay out of. She says "Well, Fifth Third is your bank, right?" I say "No, it is not." I can't get any answers nor can I convince this "not so nice customer service rep" that this is not my information. She tells me that I can edit it or delete it, enter a new one. I'm thinking I would really like to get to the bottom of this, so I tell her ok, I want to investigate this a little bit further before I do anything.

I go back to BOA online banking and review the banking information. I call Fifth Third bank. I explain the situation to the "nice lady", she asks my name and address, the last 4 digits of my SSN, and I give her the routing # and last 4 digits of this "not mine" banking information. She looks it up and informs me that this account belonged to me and my husband, that it was opened in 2001 and closed in 2005 and that she was surprised that it was still on the records. By now, I'm really confused, I check my bank information on my checking account checks (I have two checking accounts with my bank), thinking wow, did I somehow come across a old book of checks and accidentally enter this information, but of course that was not the case, my information on both checking accounts is correct, they have the same routing #, but different account #'s.

So I'm back to square one. How did this happen? The "nice Fifth Third lady" assures me that this account is closed and that even if someone tried to use it, they could not. I can "the not so nice customer service rep at BOA" back and I now explain that I made this $1.00 payment to see if this was indeed my account # in Greek. She tells me "Oh, you don't want to do that. If this account should be closed or insufficient funds, you will be charged overdraft fees. We delete the payment." We go over all the issues with this "new not so nice customer service rep" at BOA and she assures me that the best thing to protect myself is to just go to the bill pay and edit this information, delete this account # and put in the correct information. I think about this and decide that I don't like this idea either, as I don't know how this information got on there to begin with.

After another 45 minutes, I tell the lady that I would like to just cancel my account. She tells me that this is impossible as I have a balance, but for a generous fee, she could take the payment balance over the phone. Once it cleared, she could close the account. I assure her that this is not going to happen, that I refuse to pay a fee for something that is not my doing. So I asked her "What if I say that my card has been lost, stolen or that I think my account may have been hacked?" She tells me, "In this case, we can cancel this account # on this card and issue you a new card with a new account number and all the information from the current one would be linked to the new one." So I opt for this, I cancel the credit card, asked that a new one be issued (I'm going to "send in a check" for the balance as soon as I receive the statement", as I will not give them my banking information online, seeing as that can't get it right anyway).

Now I'm really frustrated, how the heck did this happen? How did this information that I don't even have get there? I Google search BOA and find an executive customer service relations general line phone number. I fret and fret, decide to call and give them the story. The "nice" lady takes all the information, (she is typing as we speak and I have to repeat everything a hundred times, so she can type, she should have taken short hand I guess). She then asks me if the "rep" that I spoke with assured me that this would be investigated and someone would get back with me and let me know what was going on. I said "No, she only assured me that what we did was the only option I had to feel secure, that there was no one else for me to discuss this with." The "new" rep assures me that this is not the case that this will be investigated and she gives me a case # and tells me that someone in the executive customer relations office will get back to me by the end of the week.

I get a call today from BOA "executive customer relations investigator", who informs me that he has investigated this and that the only way for this information to get there was by me or someone who had access to all my personnel information that this was entered on. I rudely interrupt and say "Please don't tell me that your investigation only resulted in the same information that the not so nice customer service rep' has already given me." He assured me, it sure is, this is the only records they have. I'm **. Wow, give the "not so nice customer service rep" a raise. She did over the phone in three minutes what took you 3 days to investigate and resulted in the same information.

He proceeds to tell me to hold on (I'm fuming and let him check a few more things, wow thought you already investigated). I asked "Is it possible that I had a BOA previously when I was banking with Fifth Third (I cannot recall if I did or not, as the issuing bank is hardly ever the same as the name on the credit card or after they are sold a hundred times)? So he checks and tells me "No, you have never had an account with BOA or any of its issuing banks or banks that it was bought or sold from." Well suddenly, he has all kinds of information at his finger tips. I tell him "thanks for nothing", that I'm still not satisfied. I feel this is fraud on BOA's part and that I'm going to proceed further if I can.

So again I Google search this and find where CountryWide was sold to Bank of America sometime in 2008. I had a mortgage with CountryWide when I was banking at Fifth Third, but his mortgage had since been satisfied. So now, I'm thinking that's how they linked this account. They somehow linked it through an old account of CountryWide.

Well I'm just sick to death of all of this. I can't believe that this can happen. I actually went through all my files and junk drawers, office space and I have yet to come across anything with the "old Fifth Third" account information on it. So this just reassures me that I did "not" enter this information. Again, I think this should be illegal. They should not be able to play with people's bank information and stress us out like they do. Do you think I should also report this to the Ohio AG? Would it do any good, after all, I guess it is only my word against them and I don't have enough money "now" to buy anybody.

I was making a cash deposit of $5,000.00, all in $100 bills into the ATM. I put in 1 stack of bills, and it seemed to be okay. I put in a second and third stack of bills, and it didn't seem to add up correctly. I had deposited $3,600.00, but I was only credited $3000.00. I still had $1400.00 in my hand, at which point I stopped depositing further cash.

I immediately called the 1 800 number to report my claim. This happened on October 30, 2011. They responded back, saying that there was no extra cash found in that ATM. I requested for the reports, and after going into the bank branch 2 times, I finally received it. On the report, it shows 2 instances of rejected bills, but I don't recall any bills being rejected. In speaking with customer service, the response was, there is nothing they can do. The report is correct. I am out $600.00 because of this ATM cash deposit error.

I am traveling abroad on vacation to Peru. I am unable to access my on-line profile from my PC and my iPhone app (which I could a couple of days before from Peru). I checked the website and I need to log into my on-line profile in order to report that I can't log into it. I called the US and asked whether my account is blocked. After a lot of waiting time, the lady tells me no. She includes a "travel flag" in my record, indicating that I am abroad, when I left the country and when I plan to come back. She is unable to tell me what is the problem with the on-line system. Total and complete inability to deal with the situation. Their system is just flawed. I go into their website and reset my password, which I can do successfully. I try again. Nothing happens. I am still logged out. There is not an email address. No chat assistance, nothing else--just an incompetent telephone assistance system. I had Wachovia before. It was nothing like this. It's such a shame that we don't have Wells Fargo in MA. Such a shame.

Bank of America increasingly invites you to use online and remote services which you pay for in monthly fees. Examples for business include online downloading transactions into Quickbooks and now remote deposit of checks, all of which are helpful and (in my opinion) utilize fewer bank resources and are paid for (subscription fee).

What bothers me is that after signing up for remote deposit ($30/month), I started depositing checks daily into my account. The next month they now charge me an excess transaction fee; but no one warns you that could incur additional fees by using the service. This is just a way to get another $16/month out of as many customers as possible and most will not complain. Excess transaction fees for not even using the bank at all seems dated and ridiculous.

Many problems since I opened an account. First, my mother was able to access my all of my bank account information from the bank teller. I would have never known, except my mom called to tell me the amount that was in my account. When I called that branch, the manager was very unapologetic about his employee's lack of basic conduct and said he wouldn't be able to guarantee it wouldn't happen again. They did say that they would put a computer block up when someone tried to access my account info at the bank that would let the teller know that he/she would need my ID card to obtain this info.

Guess what? My mother again called and let me know she knew what amount I had in my bank account. I then went to the nearest branch and had to set up a password to be said before anyone could obtain this info again. Pretty ridiculous, and incredibly unethical of a bank teller to disclose info that only belongs to me. The next problem I had was when I checked my online statement very closely and noticed BOA charged 2 NSF fees out of nowhere and both times there was more than sufficient funds.

For the second problem, I tried the chat. They tell me that they couldn't access my account that far (6 months for the first fee and 7 months ago for the second fee). I called the BOA phone number and they tell me that I have to take time out of my day to go to a bank and personally inquire about these random and unethical charges.

Every month, I enter the online payment to the one credit card I have with Bank of America. For the third month in a row, they have applied said payment to a CC account I closed seven years ago. They only recently decided to show that account on my online banking page. Even if I click the mouse on the correct account to make the payment, they still apply it to the wrong account.

The consequences are that I am charged a late fee until I call and wait on hold for twenty minutes every month to speak to an account manager who then re-applies the payment to the correct account. It is obvious that BoA is running a scam by which they play the odds on who complains and who doesn't. They make millions every month on ill-gotten late fees and mis-appropriated payments. That, or they are hiding major insolvency.

My online access to my credit card is gone. Way to go BOA! I am ready to just drop them completely.

I attempted to make an online balance transfer to pay off a credit card during which the BoA site locked up. After waiting a week for confirmation, I called customer service who informed me that indeed the transfer request was not processed. Three weeks later after I paid off my credit card another way, they transferred $8400 from my home equity line to my credit card. While attempting to get reimbursement from my credit card, BoA pulled an additional $8400 from my line of credit. The bank told me that it is an error possibly from the web transaction, customer service said they always pull out twice the amount of a balance transfer to cover themselves, online support said they were paying my credit card again and cannot stop it. They will not put the funds back in my equity line as BoA says they are not available. No funds have been applied to my credit card. Nobody knows where the money went. In the meantime, we cannot buy groceries (all of our money went to pay contractors that were supposed to be paid through the equity line). It has been almost a month since the original balance transfer attempt and I am looking into legal options.

Where did the access to my online account go? Your new website is sad! Sad! Let's chat, with who? No one's available! What happened to service? Wake up, Bank of America. We, the people, are tired of it all! I will not feel any sympathy when Bank of America fails and takes its sad-**, overpaid CEOs with it!

Their online banking site has been "out of order" for over four (4) days as of today. This is an extreme inconvenience for those of us who bank online. What's the problem and why does Bank of America do not let us know what is going on, and/or when it might be repaired?

Their online system is horrid and their customer service is appalling. I have one account with them for a credit card (it was sold to them; I opened it originally with MBNA). They are unable to assist me with the account as every single department has their own customer service reps and only one customer service number. When I use their online chat option, the customer service rep can load up my account, look at it, and take money from me but is unable to make any changes or adjust anything.

Their online system is so bad that it randomly drops my payment methods. It doesn't mention doing so that's why I have defaulted on a payment twice now. Finally, today, they removed my previous method of payment without telling me. When I tried to re-enter it, their system says it's already on file and I cannot add it again. I can't make a payment on this because that account is my personal bank account. I can't use that to pay. This is ridiculous.

I signed up with a Bank of America for an American Express promotion, on 9/23/11. The promotion says, "Get a $50 statement credit after making at least $50 in retail purchases within the first 60 days of the account opening date. Get an additional $25 statement credit by using your Card for a qualifying purchase at select merchants. Click "Apply here" to apply online or call 888-961-2758."

And as of now, they haven't fulfilled their commitment. I have spoken every other day with someone & they not only give me a run-around and treat me very unprofessional, but they also argue & yell at me.

Bank of America has their own interests (money) in mind when posting transactions to my account. Also, they offer privacy source and you are charged $12.99/month. Even if this is "fine print", it is bad business. I have paid hundreds in overdraft fees and I have overdraft "protection".

I had a checking account with Bank of America that I originally scheduled online bill pay with. When I lost my job at the end of March, the account became overdrawn by approximately $186.00. I called immediately and explained that I would be bringing account to a positive status within a week and to stop my online billing. I even sent an email requesting to have this stopped. I then got more notices and fees because it was not stopped as I was told it would be. I called several times and even went into the branch where I opened the account and was assured again that this would stop.

The account was eventually closed in May which has now also caused return check fees with most of the payees. Most banks (ex. Chase) will not even attempt to process a payment if they see the funds are not available and especially, not on a closed account! I believe this is extremely unethical and just another way for Bank of America to get additional fees from customers.

On September 03, 2011, in the morning, I attempted to log into my account to pay my mortgage and was denied of the service. After an hour and 27 minutes on phone calls, I finally found a human who is willing to dig for information and who told me that my account had been transferred to Greentree. Apparently, the transfer began on 08/14/2011 and was effective 09/01/2011.

Bank of America has multiple means of contacting me but failed to do so. No letter, no phone call, no email. Nothing and no information on Bank of America's website. While I am relieved to no longer have a forced, captive relationship with Bank of America, this is not right.

I was completely unaware that my account was transferred. The Bank of serve-less America customer service people I managed to speak to had a hard time finding information about the transfer. The Greentree service person I finally got to talk to claims that Bank of America sent letters, but I got nothing. Greentree also claims to have been attempting to reach me by phone. Again, I received no phone calls.

I am in the customer service business myself. I have clients all over the state of New York. I record and save every phone call, voicemail, email and letter. I have absolutely no record of having received calls from Greentree or correspondence of any sort from Bank of America. This is not a good situation. I should not have found out about my changed circumstances in this way.

I shouldn't be surprised but I am still outraged at being treated in such a shoddy and ham-handed way.

I am the customer and that's supposed to mean something. I deserve better.

Glenda **

I have had an online chat with Bank of America through my online account. Bank of America has returned to their old practice of charging overdraft fees of $35 the next day for any amount. This follows approximately a year or two of not charging overdraft fees on anything under $10, and they gave customers 5 days to correct the overdrawn balance. After five days, a $35 fee would be put on the account, but having five days to come up with the funds to avoid an overdraft fee really helped me. However, greed got in the way and they dropped that courtesy and went back to stealing money from their "valued" customers. I've had the same account with them for 16 years and I think that now is the time to move my money to a credit union. Bank of America earns billions of dollars in profits mainly through stealing from their "valued" customers. And I would like them to stop apologizing for the "inconvenience" this has caused me because they aren't the least bit sorry. They are scammers!

I called BOA after trying to log into my account. The website does what it always does; pop up window says that Internet Explorer is not working even though I put in my correct ID and get the correct site key. Then it starts an endless loop of trying to log in again. So I called BOA and guess what, their systems are down and I cannot make a payment. One would think that a bank would want to collect payments; wouldn't one?

It has been happening for months now and they even fixed the problem once and it keeps happening.

I made an online balance transfer from Amex to BOA, taking BOA's offer of 0% on balance transfers until 06/17/2012. On August 1st, I noticed that I am being assessed interest on the balance transfers. After multiple calls and emails, I was told that that the transfer was processed with 1.99% interest. And they refused to correct it because I notified them too late.

BOFA is using online banking as a mechanism to increase profits due to clients' inability to be able to have accurate financial information posted on their account via online banking. There is no sure way to determine BOFA's processing of pending transactions. Wire transfer sent to your account at 12:01a.m. are not appropriately processed in a reasonable manner to avoid NSF charges due to delayed pending transactions such as gas and other items.

I started banking with Bank of America recently because there are many ATMs and I like to do my banking online. I also like the convenient mobile banking application. In the beginning, I would receive instant notification of transactions and I could easily check pending and posted transactions made on my credit card with the mobile application but now, when I click on the current statement' icon from my phone, it does not allow me to view the transactions.

The method the bank uses to post payments and purchases manipulates the customer into thinking that more credit is available than there actually is, showing that a credit balance promptly after making a payment and delaying the posting of purchases with the view current statement' icon not responding to view pending charges from the mobile phone. On non-business days and off-hours, an error message will often occur when trying to log in from any computer or the mobile phone application so I cannot view the pending transactions to calculate my available credit but will see a credit balance if I recently made a payment and purchases were made after the payment.

I gave money to Bank of America to do a refinance ($650.00 total). They said if I did not get refinanced that they would return my money. They called me after 108 days to tell me that they were not going to refinance. They returned part of the money ($400) but are refusing to pay me the rest. The amount still owed me is $250. Diana ** continues to jerk me around not giving me the name of her supervisor which I have requested at least three times. She is absolutely not the type of employee I would want. She just gives me the run around and has still not successfully retrieved my last $250 nor provided me with someone who could assist me (such as her supervisor). $250.00 is a great deal of money when you are a working person in this country. Bank of America expects my house payment to be there on time yet they withhold money from me for over 108 days.

I was with them for a few years until I started noticing odd things happening on my online account page. My balance and transactions would change from day to day as far as my deposits and withdrawals, but not because of me. One day, a check would post cleared and 2 days later, it would be pending and my account would be overdrawn. The first time I figured it was me, that I had overlooked something or a certain transaction date. But the second time, I called the Customer Service Center and has told that there was some hidden screen (literally hidden by clicking two links within the site) called the "Running Balance" that literally changes by the hour.

I told the man that there must be a mistake because I checked my balance daily, and I knew that it had posted. He gave me some vague technical response about moving transactions around based on checks and the service agreement. I told him that that was fraudulent business. I asked him how can you clear a transaction, unclear and then re-post it later so that my account overdraws? I was so furious to find out that this was a deliberate business practice. I had two bank accounts at the time, one being with Washington Mutual, now Chase, and they have never rearranged my transactions. They literally post automatically!

In the meantime, I had a purchase I had to make that I would make a deposit for the following day.

I went to my closest branch to verify that the $300 had posted. The next day, when I went into the bank to put money in my account, I sat with a personal banker to verify that the check had in fact cleared. She went into the system in order to verify its cleared status. I told her about the past incidents I had had with transactions being tampered with. Although, she seemed alarmed and shocked at what I was telling her, I did not believe it for a minute. Later that night, I went online to be sure that it had posted. It was there. Against my better judgment, I did not print the screen, hoping that the personal banker was true. Well, a day or two later, the same thing occurred! My check no longer cleared and was pending, my deposit was after the check pending and my small withdrawals were pushed forward making me $120 in the hole! Mind you, I had paid for these occurrences twice before, this time I just refused!

Not only was I unemployed and looking for work while paying rent, I just felt plain taken advantage of! How dare they! I called everyone I could, even spoke with a Manager at Customer Service named Tina, who, to add insult to injury, was extremely rude to me and refused to fix the problem, telling me that she didn't care if I filed a claim against her and the bank, it was my fault. She was completely unwilling to hear me despite all the effort I had made to be sure that this did not happen. She would not even settle it for me for what I would have owed, which was no more than $38.00 had their business practices been honest. I was so fuming that I posted an "I hate Bank of America" status on my Facebook. It took no more than 20 minutes for me to receive at least 20 responses from others who also stopped banking with Bank of America for the same reason!

That's when I really knew something was wrong. Soon, Bank of America will keep adding $10.00 fees until I was at $180.00. The more I wanted to clear my name, the more other things in life took over. Besides, I didn't really owe that money anyway. Next thing you know, my account is closed, and they have reported me to Check Systems! Why is it that they can ruin our credit due to the dishonest business policies, but I can't ruin them? I tell everyone I know do not bank with Bank of America! They are scammers and are not in the best interest of the people of America. Go with Chase, they stick to the transactions based on when you do them, period!

We were part of the Taylor Bean Customers that had refinanced right before the government shut them down and the filed bankruptcy a week later so our original loan was never closed out but sent to Bank of America. And just recently, our new loan on Sept. 1 was transferred to Bank of America. Now we have two loans on the same mortgage and property. Bank of America has put us into foreclosure on the original loan and is doing nothing to correct the matter that the old loan is in foreclosure when they know we have a refinanced loan. Every time I call them, they don't seem to know what's going on and they say I'm not in foreclosure on either loan that the old one was entered by mistake yet I'm getting calls from Veterans Affairs and attorney's threatening to take my home if I don't pay them. Which loan am I suppose to pay?

I am unable to access my accounts at Bank of America on line, as I have been for years and which Bank of America advertises, until I accept disclosure of my personal private information, including collected and heath information, to whomever and no guaranties that whomever will be restricted in use of that information I am being forded to disclosed.

I explained to BoA online service that their billpay website was not working; "Billpay services Temporarily Unavailable". They refused to offer any solution. So I went to the Cotuit BoA Branch and the manager met me at the door and asked if he could help. I told him his Billpay website was not working and I needed to make a payment from my BoA Visa to my BoA mortgage.

I pay all my bills through the Visa account so I have a single point of tracking for any and all bills paid. He stated they do not offer online assistance there, and I told him, his Manager was able to fix my last online problem. He stated he is a manager and BoA does not allow customer online services at the bank. He then offered to solve the problem and told me that I could make the payment here at the counter with my visa and it would go through just as it would using billpay online.

Two days later I get a bill for $52.00 stating it was a cash fee for making the payment. The bank manager assured me it would be processed just as if I had done it online. Online does not charge a fee, and I have been using this "BoA Billpay Free" service for more years than I can remember. Their system went down, and the bank stated a few times this would be just like I had used Billpay.

Their online transaction is not accurate. They manipulate dates on transactions to force overdraft charges. They show positive balance, then 1 day later run a transaction though (even show the date it cleared), then charge an overdraft charge for it as if it had cleared days before. It's based on the amount, and if the amount is large enough to overdraw the account, they backdate it in their system but do not show this to the customer. I am changing banks today. $70 dollars in overdraft charges for a positive account balance.

I used their online BillPay service. I set up a payment to go out on the 17th of March, the date my paycheck would post. They processed the transaction on the 16th, causing an overdraft on my account. As a result, I was charged a $35 overdraft fee. I spoke to three people, including a supervisor, trying to get the fee reversed. They refused to reverse the fee. It's my money. I want my transactions processed as I dictate, not as the bank dictates.

I have been a Bank of America customer for many years. Then when I was relocated overseas, I suddenly had no more access to many of the online banking services. Apparently, if you do not list a US address, then you are no longer a valued customer. Nothing has changed about me except my mailing address. But to BoA, that equals losing citizenship. They told me I am now listed as a "non-resident alien" and should "update my citizenship status". I have never been more offended. I am 100% American and always have been. I merely want to continue using the online banking services that I have used for years. I informed a Beaverton, OR branch that I was relocating and was never informed that I would not be able to use these services. They had no qualms about accepting my deposits but now I cannot even transfer funds to my son's college or to him while I am overseas. So who gets my money if I can't use it?

Customer service is run by ** who give cut and paste responses that are ridiculous and impersonal. They told me to "please visit your nearest BoA service center" which doesn't exist here. "Please call our CS number", sure, at my own expense while I sit on hold for 30 minutes "waiting for a representative to become available". I am not only insulted but absolutely disgusted that in a global economy, which encourages people to work in many locations, the largest bank in the world cannot be more accommodating with their "online" banking services. If you are an expat or planning to move overseas, do not rely on Bank of America for your financial services. You will be left without being able to access your own money.

I have over $10,000 in education money that I cannot transfer to my son's college. To access the funds, he will have to open an account at BoA, which is a great inconvenience in his location and figure out how to move the money to his school. It is not a satisfactory or effective solution. BoA gave no alternative except to use a US address (which I can't legally live in two places) or "stop by their banking center".

This is a complaint against BofA web service. This happens every payroll week. Bank of America always seems to be able to get several hundred dollars from my family account, and this is the holiday season which is truly despicable. On 12/14/09 online web stated that we had $109.00 available. The next day we are negative. I verify all the transactions so I thought we were safe.

I reevaluated it and [they] showed me the wrong information making me believe there was money in the bank. Now company has benefited for the last pasted year. I will be looking into legal action as this seems to be a pattern. This is unfair!

Additionally, I setup a low balance alert (which BofA offers) and it has stopped working, I go online to reset it and an error message says "try again later"...repeating 3 days in a round, results with the same message. loss of family income, late payment charges for bills, stress, loss of sleep and grey hair! my wife and I don't need this!

I've been paying my auto loan using Bank of America's online transfer service. It took me a long time to catch this, and I'm wondering if anyone else has had a similar experience. Been paying like this for over two years, and like 95% of the time this works. Then there were a few times it didn't. I was thinking it was my fault for not clicking through all the screens. Although this is not normal for me. I'm an expert computer user. Extremely methodical and sure of my actions. Also this has *NEVER* failed for any other transaction with *ANY* kind of server anywhere. No other bank or institution has ever not recieved a payment when I made it.

So a flawless track record with everyone I do business with, including BofA. With the exceptions involving BofA's online payment scheme. This has happened at least four if not five times. So with over two years of payments, and the fact that their system doesn't record so much as an attempt when this happens. As far as I'm concerned, and my track record, and my clicks. I've never missed a payment. Until now. I just attempted another payment this weekend, and sure enough, nothing. No failed transactions, no canceled transactions. And although I will make good on my payment, I'm sure it's been recorded as a non payment, and I have a late charge. When in reality I made the payment on time as usual. Of course there's nothing I can do as an individual. I know this. There's nothing any individual can do against a mega corporation like BofA or Bend over Again ( thanks for that one by the way it fits nicely ) But I appreciate this site for allowing me to vent. Cause I'm about fit to be tied. Thanks.

Frustrated, I called Bank of America and told the associate I shouldn't be charged for over the phone payment since their website wasn't working. She apologized and stated that with the transfer from Countrywide to Bank of America, they have been experiencing technical problems but would be happy to assist me in getting my payment in. This was only the beginning of my problems with B of A.

The next day, I checked my account and lo and behold there were TWO mortgage payments deducted from my account! I only wanted ONE. I never gave instructions to have two deducted from my account. Obviously some error occurred most likely at the website. So Monday I called, spending 45 minutes before finally reaching the right party to assist me. I was sent to the Payment Research Dept, where I talked to Sharon. After a lengthy discussion, she told me it was approved for reversal and that it would be DEPOSITED BACK INTO MY ACCOUNT WITHIN 72 HOURS. That would make it Thursday, but being a holiday I shouldn't see it until Friday. And so begins the string of lies/deception/whatever I was given regarding my money.

On Tuesday November 24, I received another confirmation from Bank of America which I erroneously thought was another payment notification. (I was told on Monday that I should have 2 confirmations but I only had one so naturally when I saw B of A confirmation, I assumed it was for the second payment withdrawn on the 20th.) Now not knowing what is going on, my thinking was oh no, they deducted another payment! What is going on?

So I contacted the bank again. I was assured that no further mortgage payments were deducted. I told the associate that this 72 hour business was totally unacceptable. Monies were withdrawn IMMEDIATELY but crediting my account back would be 72 hours? No. The associate then told me that the money goes to the Federal Reserve and it is difficult to get the money back and that is why the time frame. Again, I found this unacceptable, but had NO CHOICE. In other words, tough luck lady.

On Wednesday, November 25, there was still no money in my account. So I called again --- going through tons of hoops and holds, only to have the connection lost during one of the phone transfers. By now I was completely agitated so decided to stop in person at a BofA banking center and have a one-on-one assistance. I went to the Massaponex Banking Center in Freericksburg VA and talked with Doris, who went hoops to assist me. After about 40 minutes, she assured me that I had been approved by the Payment Research Dept and I would see my money in my account either after midnight (Thursday) or first thing on Friday.

Neither Thursday nor Friday gave any results. So around 11:30 am I called Doris and asked her to please, please find out what is going on. She was reluctant and stated why didn't I just do the calling. (See above). It was somewhere around 3:30-4 pm before I heard back from her. Basically she could do nothing and I'd either have to call myself or just wait.

Back to the Payment Research Dept where I finally connected with another associate (she was very nice considering I could hardly talk because I was in complete tears) but now I was told that the bank was short handed all week and my approval just sat there. It would be credited to my account asap as she wasn't putting a rush on this. Well, Saturday no money. Monday no money. It is now 10 days from taking my money making it impossible for me to use and left with the feeling I was being given the run around. First thought, oh, it's the end of the month --- hmmreports need to be done. Gee, if they did this to say, another 500,000 or even 5,000 people, imagine the amount of money B of A is getting to use!

Well, I created a list of contacts to file a complaint on Bank of America. However, I thought I'd give it one more chance. I called the B of A Center in Central Park, Fredericksburg, VA where I talked to a very nice and understanding manager Keith. He apologized and agreed that I was treated unjustly. He stated since my Friday conversation was after 2 pm, and that the associate said she'd put a rush on it, I should definitely see my money back in my account by Tuesday, December 1 (today).

Guess what! Nothing! It is now 11 days later and I still don't have my money back. Customer service is ABHORRANT! Economic: Lack of use of my funds -- $1800 for more than 10 days. Physical: Distraught -- lack of eating; digestion disorder; breakdown to tears.

This is my protest of mistreatment by Bank of America (within the last hour). Made online / internet order for computer stuff (just under 2 grand, which is a very common amount for me), with 30-40 minutes to spare for credit card approval so that it could be shipped same day. Bank Of America declined the charges, according to email that was auto generated. I called the number, and the VRU had me approve half a dozen charges, going back several days, before I could get to a representative.

When I did get to a representative, the person was uncaring, only mentioned one charge being denied, and could offer no assistance. I explained how ****** off I was. She said she would notate the account. I logged on to my online account, and all charges except the one the rep had mentioned had been deleted / purged, and did not show as pending, declined, nothing. I am pretty sure removing the transactions is illegal.

Upon trying to re-authorize charges after talking to bank of america rep, they were continuing to be declined - 3 times. I have to assume they have turned off my card - which seems like it should be illegal as well. I had to use another credit card. While I am at it doing some complaining, they raised my interest rate many months back, and I don't miss payments and am under my limit at all times.

Oh ya - Their online internet app showed that I made a 5,000 payment yesterday - funny how they will take my money, but won't let me spend any. And this is not the first time bank of america has not authorized my transactions (even to same vendor). I believe they are using government bailout funds for company programs designed to deny card holders the services they signed up for and continue to pay for (and that bank of america is expected to provide).

Seems like the bank of america has failed to provide their contracted services and is using government funds to fund this endeavor. This is outrageous - and it's time for a class action. It's time to nationalize the banks (starting with bofa). Since credit card approval was not made by deadline, the products I ordered will not be shipped when ordered, and will take extra days to arrive - and I am sure that the 100 or so bucks to ship the merchandise fast is lost money. Not to mention I probably won't be able to complete my computer setup in time to use it next weekend for a neighborhood Christmas party.

I checked my e-mail last night and there was an e-mail from BofA stating that an "Extended Overdrawn Balance" Fee of $35 is to be applied 10/19/2009.

It turns out that, without informing me (to the best of my knowledge), Bank of America created a separate web page with a tiny link which is (as I was told too late) an "Account Transaction History" page.

Transaction history is something that I was used to seeing when I logged in, as well as being informed, via "Low Balance Threshold" alerts, to watch my spending. This is an unnecessary added layer to encourage ignorant spending and increase revenue via overdraft charges. My "Low Balance Threshold" alert arrived in my inbox...this morning at 5:36a.m., conveniently AFTER the bank processed 6 unwarranted overdraft charges. They, "as a courtesy" reversed 2 of those charges, generous souls that they be, and told me that even though their system didn't do what it was supposed to do, it was "unfortunate, it wasn't bank error or fraud.

I have two Bank of America accounts.They are both set up to make on-line automatic payments. Recently the BOA payments area of their website went down on a day when one of my accounts was due to pay. The BOA tech dept. acknowledged the site problems. But, because my payment did not post until I discovered it myself, BOA charged me a $39 late fee which triggered an overlimit fee of $49. In addition, they raised by interest rate to 26%. My other BOA account is 9.84%. This was the second time that this event has happened to me at BOA in the past year and BOA will not budge on lowering the higher rate. I am irate at this rip off. Also, BOA has one of the most customer unfriendly sites in the business. It is the same useless site that existed years ago when BOA took it over from Fleet Financial.

I just submitted this complaint via the BOA online banking page based on a situation that started last week and has carried over through today: Just noting that I understand that there must be penalties and policies in place for customers who misuse their checking accounts and overdraft. However I am disappointed that in a time when a customer like myself (since 1995) is experiencing tremendous financial hardship due to a cycle of my husband's job loss, followed by underemployment and a mounting stack of medical bills from my little girl, there is no touch of care on behalf of Bank of America.

Our account was overdrafted last week when we had just $1 in it because BOA decided to set off two $35.00 fees for transactions we thought we had covered by mustering up $11. Then my husband gets paid and the bank tells me I can't deposit his check without a hold being placed on it due to "the status of our account." How can we be expected to rectify the overdraft if the funds are going to be held and we have no other money at our disposal but his paycheck. Therefore we were forced to cash it at the bank that originated the check and simply use the funds for our necessary expenses, including food, which we were all out of, until my paycheck automatically deposited on 9/15.

And today I find another $35 fee for "extended overdraw". I have never heard of such fees from other banks and feel that Bank of America is simply out to suck up money wherever they can. Meanwhile, a customer service rep promised last Friday,9/11, to reverse $45 worth of overdraft charges but as I was told today couldn't do so because of our previous overdrafts.

I have been too much of a long-standing customer with an overwhelming good banking history to be treated in such a manner. This kind of service, in my unforeseen time of need, leads me to want to send my service elsewhere.

I opened a new checking account at BofA online. Once it was verified as open, I deposited $2000 by personal check on July 11 (a Saturday). That check was cashed by my current bank on July 13. That money will be on hold until at least July 21. I tried to use my check card once, but it was refused. I assume it's because it was not yet activated; otherwise, I would have been getting hit with those overdraft fees. Thanks for this site. I will not be doing business with BofA.

It started with an innocent enough mistake. My husband was traveling through Missouri on his way to visit parents in Nebraska and stopped to get gas for the car. He mistakenly pulled out his Bank of America visa debit card instead of his credit union debit card and charged $30.04 in gas. He didn't mention over the phone to me because he presumed he used the correct debit card. I never received an e-alert that this mistake was going to cause the account to be overdrawn by $10.26, despite what Bank of America customer service reps said. Long story short, we were charged a total of $210 in overdraft fees for an overdraft of $10.26. Yes, $10.26. They are still deducting the largest amount first (despite what they say the Bojangles charges discussed below were made prior to the gas charge!) in order to cause smaller items to overdraft the account.

So two separate purchases of a Bojangles biscuit ($2.58 and $2.78, respectively) effectively cost us $75.44. Today, I received an e-alert (funny, I did not receive one when the balance was headed to negative status) stating that as of today, 6/26, we will be charged yet another $35 for an "extended overdrawn fee" (obviously, their definition of extended is one day). I never heard of that one and the extended condition was because the bank deducted all of its egregious fees first and payday was not until yesterday (6/25), which is why the balance was low in the first place. I have had this account since 1972 and the bank no longer extends any customer courtesy credits as of March 2009 to any customer, no matter who they are. So I am in the process of moving to another bank.

Bank of America is a shining example of greed and what got all of us into this economic mess. You see, when they make a mistake and are billions of dollars in the hole, good old US government lends them the money - our money - to bail them out. But when a 30-year customer is -$10.26 in the account, they charge $210 and threaten $35 more for the mistake. Something needs to be done to stop this lawful theft of customers' money. Revised legislation should address this procedure, granted used by all banks, but apparently abused the most by Bank of America.

On June 1, 2009 at 8:22 pm, I made an ATM deposit of cash and check totaling over $2600. I then went home and signed in to online banking to transfer money to my landlord for the June rent. I transferred $1,000 because online banking showed I had more than enough to cover this, and I am limited to transfers of $1,000 or less online.

The next day, 8 NSF charges of $35 each appeared on my account when I signed into online banking. If the money was not available, online banking should not have allowed me to make the transfer. Since my deposit was made after 8 pm, it was credited to the next business day. When I had signed in that night, I was happy to see how much money was actually available to me for my transfer. So I went ahead and made the transfer on June 1 instead of waiting until the next day because I really enjoy paying my bills on time.

Although I received a credit for 3 NSFs on my account after numerous calls to customer service and finally the branch manager, I still received 5 NSFs on my account totaling $175. Because of this, I am unable to pay my rent in full for the month of June 2009 and I will receive a $50 late fee. In this economy, this causes me great hardship, because I was already laid off in January, and now, I am working a temporary job which pays 60% of what I used to make. Every dollar is extremely important to me!

When I logged onto the site to pay our second mortgage as always a few days before the first of the month, I noticed that the pay feature was gone because the account needed immediate attention with instructions to call a 1800 number. What I found out during a conversation, which then became a heated argument, is that the privilege of being able to pay online was removed from our account because we are exploring loan modification with the assistance of an attorney and not directly with the bank.

I explained that after submitting a full and detailed loan modification package to the bank, nobody every got back to us and when we called their evasive and uninformed responses proved to be, at best flaky leading us to seek the only other viable (All American) option, call an attorney. The rep then went on to say that, "It doesn't matter. If you're using an attorney then call your attorney, not us, because the bank's action is policy." So I insisted on seeing such a policy in writing if indeed it existed. How do you think they responded to that? With a simply arrogant, "Just because it's policy doesn't mean it has to be in writing."

To say the least, I lost it. There's so much more but instead of boring you all with extraneous, frustrating details, I want to know how Bank of America can take it upon themselves to put us in the precarious and financially threatening position of being delinquent with a payment, without any prior notification, to us or our attorney?

I lost two hours with them on the phone during work hours. Later in the day, my wife called and they said it was due to a glitch and that I had called to make a verbal payment which didn't happen so they blocked the account. When my wife told them that I'd been trying to pay the account two days before the actual call in discussion, they kept telling her, the rep kept telling her the same thing. After an unnecessary battle, especially for my pregnant wife, we made the payment via phone but what's to say that the same doesn't happen next month?

They are charging me two overdraft item fee. But when I checked my checking account online, I was never over! I asked for my money back and Diego told me that any information online is not "real". I asked him to explain me that and he said that if I want to know my balance, I should call instead going online. I'm wondering why I want to call them if I can check my bank online from my phone? That's why I know I wasn't over. I'm a college student and $70 taken off of my budget is painful!

I attempted to access my accounts online in order to make changes to bill pay dates,and was unable to do so. I called the 800 number on the back of my checkcard and was informed that my account was over $800,00.00 overdrawn. I knew that this was ridiculous since I've never had that much money in my life. Thinking that it was just a crazy mistake I contacted customer service. I was informed that my accounts were being closed for excessive NSF activity. I was transferred to their risk department. I was told that my account was scheduled for closure on May 12th. I was surprised by this since I have direct deposit from 2 employers, one fulltime and the other part time. I inquired how much my account was overdrawn. I was told that I had charges amounting to $228.00.

My next direct deposit was due to come in on May 8th. On May 6th I went into the branch in Glenside PA and spoke with the a customer service rep. He told me that my account was coded for closure from the "back office" because of charges that amounted to $228.00 He told me that the account would likely stay open once the direct deposit came in tio fund the account because "I hate to say it, but your records show that you are a good customer". He gave me an 800 number to call for further information to verify that I would have access to my funds when my paycheck was deposited. I called that 800 number immediately after leaving the bank (on my cell phone). I was told by the rep. that once the direct deposit came in the fees owing would be taken out, and the balance would be available for my withdrawal from any Bank of America branch. Even though I wasn't sure how I got all those fees I decided to let that rest and simply open another account with another bank.

On May 8th when I went to the branch in King of Prussia to withdraw my funds the teller was unable to access my account and referred me to someone else in the office. He made inquiry tot he same customer service and risk departments that I had called previously, and informed me that the direct deposit of $1,713.00 did come in as expected but my funds would not be released until May 18th. I requested that the bank take the fees that they said I owed, close the account immediately and give me my funds. They refused. I called and spoke with the department responsible for closing the account. A very rude man informed me that I would not be given access to my paycheck that I had worked for until the bank was ready to release it on the 18th, at which time it would be mailed to me. I explained that I needed to make my bill payments. He raised his voice at me as if i waere begging for a loan and not asking for my hard earned paycheck. I asked to speak to his supervisor. he became even more obnoxious but did get a woman (i assume it was a supervisor) to speak to me. She came on the phone with a defensive, angry attitude and informed me that the information I had been given was the only information that was available to me at this time. When I tried to explain my situation she spoke over me loudly and then hung up on me.

I called their customer service department to lodge a complaint. The person took the complaint and told me that someone would contact me within 3-5 days. So far noone has contacted me.

Since it is a joint account with my husband, he went into the bank in Lionville PA where we opened our account, and spoke with the bank manager. He met with courteous treatment but the same result. My paycheck would not be released until May 18th. When the Bank manager tried to get them to at least release it on the 18th so that I could access it at the branch they refused, and told him that my funds would be mailed as a cashier's check on May 18th. The manager was able to find out and reassure my husband that there was no fraud involved, and I was free to open an account with any other bank.

I had an checking account with Bank Of America. Had set up Online Biil Pay with At&t in September of 08, I had a couple over drafts due to a error with my payroll. So in the mean time while waiting for my job to get my direct deposit right I cancel my Online Bill Pay to keep from having more overdraft. But for some reason the online Bill Pay kept coming through causing my accout to over draft.

I call the bank and explained to them what had happen and I asked them if they could credit my account since were not my fault. They told me no so after told me they couldn't credit I told them that I would put A little more money in my account until I got it pay. One night I went on line to check my account. I find out they had close my account without a notice and have sent my account to collection.

It really hurted me to know that Bank of America had closed my account. Now every day the collecting agency is coming my house. Bank America said they send me a letter I never receive any letter from them. I move And I went online and chaged my information they say they never got the new information. But they got my phone number so how did that happen.

I have been banking with Bank of America for many years now and since I started online banking with them a few years ago I have always had issues logging into the website. When I call the tech support they say that it is my internet connection, however, Im not a complete idiot when it comes to computers, I can get pretty technical and it was NOT my internet connection. I called several times within the first year but got sick of getting the same answer. Finally I just came to it that no matter which computer I am at I always have a hard time logging in. I can get through the site key but it wont let me past that. Im so sick of dealing with it, Im thinking of changing banks...

There has been many hours wasted trying to troubleshoot the problem. Also, my account went overdraft one time because I was not able to log on for 3 days and could not transfer any funds from my savings account. This has caused me a lot of aggravation.

They have gotten out of hand and unethical with their online banking and overdrafting processes. I am having an economical hardship recovering from a 5 month job loss. Bank of america has abused me as a consumer misleading me in my balance. when I log on to online banking it will show I have a balance. I make a transaction knowing I will have 1 or 2 overdrafts. it turns out the manipulate it to 10x$35 in overdraft fees.

I am recouping from 5 months of no income due to being laid off. I am on the verge of having my car repossesed and my mortgage forclosed. I cannot afford to throw away $360 to Bank of america due to unethical and misleading practices.

I only did business with BofA for a few months. I closed my accounts today primarily due to my view that their online backing information is misleading and inaccurate. Being charged $280 in fees in the past 9 days was the final straw. I went into a branch and said I want to close my accounts the woman I dealt with didnt even ask me why. Nor did she advise me that since there are 2 pending transactions not yet posted/cleared, that while she gave me funds to bring my account to a zero balance, I actually have to call them again after those transactions have posted to actually close the account. I then called customer service to complain because I was still upset about my experience with their online banking.

I had made a mistake and withdrew funds on a Friday thinking an electronic deposit would be posted before any other transactions hit my account. The deposit posted a day later than I expected due to President Day and consequently 4 very small items $4.21 - $32.61 caused my account to be overdrawn. There was also, according to the BofA agent I spoke with, a CC authorization done on the same day but it did not post to my account until 2 days later. When I first looked at my online history it appeared I had been charged one of the OD fees for a $2 ATM fee. When I called to inquire about the fees I was told the 5th OD fee was assessed for the CC item - for which there was NO evidence online until it posted. The posting date was a day AFTER the OD fee was assessed. They told me the transaction actually was authorized 2 days prior, but there was no evidence of this online or by phone.

I am still very angry with them and will be telling everyone I know to avoid them at all costs or suffer the consequences. Unfortunately for me, I did not keep printed hard copies of the conflicting details I saw online on different dates so I cannot in fact prove my assertion about the other inaccuracies I noted. However, I am quite clear for myself that there is funny business going on. There have been multiple occurrences where specific items would show in the online backing as pending, then a day later as posted, and then they would disappear the following day, only to reappear again 1-3 days later. I was charged an overdraft fee when I had funds in my account, I called to inquire about the fee and the agent removed the fee. No explanation was given to me.

I have called 3 times about fees I was confused about and in each case, I was credited the fee charged. The fact I had to call to get credit disturbed me. Also, if an overdraft fee or item return fee is assessed there are no details online about which posted transaction caused the fee. I have never been so confused before in my life about WHAT is happening with my checking account. In addition to my concerns about their online banking practices, I was unhappy with them wanting to put any and every check I wanted to deposit (including my payroll checks, which were generated by ADP) on a 7 day hold.

Nor was I satisfied with my interactions with customer service about my online banking complaints. According to BofA, the $280 in fees were my own fault and I should have kept a hand written ledger to track my available balance. Their associates go into lengthy explanations about all the details of their transaction processing policies and state they were implemented to better serve the customer, but my view of the matter is that they just want to appear that way, while dramatically increasing the fees they collect. Right after opening the account a friend warned me to be careful, they charge a lot of fees. I found out she was right the hard way.

I called Bank of America Card Services and due to a charge that they made a mistake on, I had online Auto-Billpay and canceled it on Feb. 7th or 8th due to financial situation. my bill is not due till 03/05/09. i set up an online bill pay for it to post that date. autopay did not cancel and i am being charged $35 for not making payment on 02/20/09. they said i never canceled my auto-pay. now i have this charge to deal with

i spoke to D. Williams over the phone just to be told what i can and can't do online, then i asked to speak to a supervisor just to be told i could not dispute anything. that so called supervisor's name was T. Terdik. i believe both are from Arizona Call center, i had online problem before with them and i always end up losing out. there business practices are unfair, in october i received and apology letter from that company due to two employee's saying i was not man enough to pay my bill on time. i don't feel that they truly feel apologetic towards customers.

I always end up paying for their mistakes. with online banking there fees are ridiculous and they treat customers [badly] but the banks never lose. nothing ever benefits the consumer. they only try to make things better when they know they truly messed up like when they insulted me and i would call every day to get an apology. it took a while to get that to me. now i call because i have a problem and they wont try to help.

Online Banking - All online bill payments were sent out. One payment I canceled before it was sent. B of A sent it anyway and pushed all the other payments previously sent to the top of the statement list and charged $280.00 in NSF charges. When I asked why the payment did not cancel as requested - Response from the outsourced representative in India said Your Error. When I asked why all the other online payments were then pushed up the list of transactions and charged $35.00 each in NSF funds - Response from the outsourced representative in India said Your Error. When I stated that these were not my errors, I was basically told in Indi/English that it was my word against theirs.

I was unable to make my car payment that was due because it was all eaten up by fraudulent fees charged by B of A. I have been fortunate enough historically to make all my payments on time, but the B of A stole that from me too. My husband and I had to take time off from both our jobs to set up a new account with a new bank. We have lost the ability to do banking until 7-10 business days. Estimated damages included the fraudulent NSF charges - $500. How can such a large financial institution continue to get away with this stuff? I hate to sound stupid - but really - how do they get away with this?

I transferred my funds to another account because i was dissatisfied with their customer service; and closed the account in the process over the phone. So after i settled up, some mysterious back intrest charges made my account negative by $4.17, 45 days after I closed it. I did not check that account because i was under the impression i was all paid up-and I only get online statements. So late fees and other charges are building and in the mean time, I am now 60+ days deliquent. I finally figure out what is going on, and settle immediately-too late. They filed a report with the credit bureau and all the sudden now my American Express card i use only for business purposes is cancelled.

I have had to make large purchases with my personal check card lately because the only credit card i have is my am ex that i use only for business. I have spent many personal hours figuring out why this all transpired and only wish courtesy calls might happen just once..

This is embarrasing as I am in a management role at my firm.

On December 29,2008 I realized that my bank account had a negative balance. Im still not quite sure how I managed to do it, but apparently I did. I used the Live Chat feature on the Bank Of America Online banking site. The first person I wrote to was "Shawn". He stated that my account would be put on freeze as of that day and that no more charges would be posted to my account. He told me that the freeze would stay on until I called a certain phone number he gave me.I made sure to ask him more than once if I would receive any more charges on my account until I took the freeze off and he assured me that I would not. He also put a freeze or block on my debit card. He also stated that automatic payments would not post to my account and that I wouldnt be charged any fees from them.

about 1 week goes by and I go to the banking site to check a payment that I made the month before.I saw that my account was even further in the negative. It was now $260.00 under. I got in contact with Live Chat again this time with "Preston". I explain the situation and he looks up my account. He tells me that there is no freeze on the account and that I can only do a freeze by going to the local banking branch. I was not told this, I was told that it was done and I would not have any more $35 insufficient fees. He tells me tht this cannot be done over the phone.He said that there was no note in my files saying that I had contacted someone earlier.When asked who I could speak to he gave me a phone number and I told him that if I wanted to call, I would have but unfortunately there is no way to document our conversations if I call instead of doing Live Chat and then printing out the whole thing.I got frustrated and ended the conversation.

Then on 1/6/2009 I did a live chat with "Prunella".All she would tell me is that I would be unable to view and communications between myself and the live chat people. She stated that the chats are for bank records only and that they could not provide me with a copy. I ended the conversation with her.I call back and have a live chat with "Ana". She told me that while I was not allowed to view the actual conversations I had with previous people. I asked if she could answer some questions while viewing the conversation I had with the first person "Shawn". She said that she could do that so I asked her if she could see what I spoke to Shawn about on the 29th of Dec. 2008. She said it was about fees.She said I requested to have a block put on my card and said that he provided a number to call to PLACE the block.

I replied that he gave me a number to take the block OFF not to put it on.Not to mention the fact that her statement made no sense after one of the other reps said that a block couldnt be placed by phone.I ask if she sees that my account was frozen as of 12/29/08 and she replies that he had placed the block that day. She also told me that he said no more automatic payments would be taken from my account,that there were not 2 but 4 $35.00 fees posted because of items presented for payment. She then says that the fees should not have been placed on my account because of my check card but from a PayPal payment.

I ask if that was a recurring or automatic payment payment and it was which means it should not have caused another 35 dollar fee.She then stalls me by saying that she would be right with me. 15 minutes later she comes back and says that Shawn never placed a block on the automatic payments and that they cannot do any maintainence on it. I ask for Shawns ID number and a confirmation number for that chat and she told me that she didnt have that info. I asked for hers and was told the same thing.I visited the local branch twice and the woman there called the 1800 number both times. The rep said that I could put a stop payment on anything that comes in at $25 per item.I get wrong information from a representitive and am left to pay fees. Today, I got another 35 dollar fee for a recurring payment. I need help.

I went to my computer on the night before I was hit with 5 overdraft fees on the next day. On the day I was hit with these fees, I checked and there was no sign of negative actions on my account. At night I was told that I had overdrafted when I went to check on my balance. I called BOA and they said you couldnt see it on there online screen.

I checked the next day and also my account shows no negative action. It was all internal but didnt show on the online banking screen. What a Rip off! I am leaving Bank of America after 10 years with them. I would love to join a class action case against BOA. My only advice is to call the FTC and tell them what happened to you.

Due to this action taken on behalf of Bank of America we lost $175.00 and had to wait until payday to bring back a balance to our account.

I do online banking with virtually all my accounts including Bank of America. I have found that very frequently the Bank of America has a deceptive or a fraudulent way of concealing the account information so that the online customer WILL NOT KNOW in a real-time fashion what his or her account status might be. For instance, one may make a deposit using the ATM machines or make money transfers on-line. The Bank of America system will hold your fund in a PENDING STATUS for an extended period of time. What you see on-line and what the bank system says that the customers account status may be are TWO DIFFERENT things.

Very often, especially on weekends, holidays and often when I am traveling, the Bank of America system deceptively and fraudulently conceals the account status, making it nearly impossible for the customer to know of low balance problems one may have. This occurs very frequently when one has many unseen fees and unannounced fees causing the account status to go in a low bank balance or even NEGATIVE without the knowledge of the on-line banker.

I have caught the Bank of America system several times in the past 3 years of unfairly and deceptively charging my checking account with multiple fees of $35 do to unseen fees and also do to debits that were falsely posted with what I believe were techniques the bank uses to SHIFT to dates on a posted check, a debit card transaction of an ATM usage. I have records of my accounts from the last 3 years and can furnish data on these activities imposed on me by Bank of America.

I want to warn the public that these activities are constantly going on and are exercised in a sly way by this bank and are very difficult to detect, even by a computer savvy person, especially when one does not have a real-time access to the banking activities that the Bank of America system is contriving and is constantly doing to the money accounts of its customers. I am a PhD scientist and I have knowledge of computer algorithms. This kind of activity, I believe, can be stopped and dealt with if many are aware of it and can cooperatively get involved and alert legal authorities and those who can deal with this as well as all the major financial stuff that we as a people are dealing with nationally.

Over a period of time, this has caused me major problems in dealing with my financial circumstances as my funds are limited. It has had an accumulative affect on me and my circumstances. I am not only having to care for myself, I have other love ones to care for. I am planing to take legal actions.

Online banking doesn't work and neither does BOA customer servie online chat. The customer servie rep. said that while a transaction is pending there is time to deposit cash, to cover the transaction. I was also told in writing (I printed an online chat) that a transaction would be pending online for up to 3 business days and the transaction would not post until BOA recieves a sales reciept from the merchant. BOA is posting transactions pending before a credit in the same day. This practice is causing overdraft fees. I recently had 13, the first three were taken unfairly without my authorization and caused the other 10 overdraft fees.

Mark refused to give me the name of someone higher up in BOA to help me. This is unethical! I refuse to use this account until this is resolved. I am in the negative because of overdraft fees. I made an offer to pay some of the fees, at least the first three, but BOA/ Mark refused to to work with me. Now I am being threatened that I am being reported to Chexsystem Inc. and I will not be able to open up another bank account for up to 5 years. Is there anyone out there fighting BOA. I want to know, I want justice. Who should I contact? My next move was to sent a registered letter to corporate offices in NC.

I have been stressed everyday and not sleeping at night since Nov. 3 2008. My local branch ignored me for weeks promising to get back to me. Mark played head games with me on the phone and made me feel trapped into thinking that his word was the end of the situation. My college son's name is on the account, and he is at risk of damaging his credit.

I start an online account. I put $100 dollars in for this checking account. They send me a letter saying that the account is 'at risk'. I then get a check for $40. The say it is 'at risk' because they said they tried to call me once, which I have no voicemail of, nor did I speak with anyone. Then they say a $60 'research fee' was need to make this phantom call. I call them up and of course there is nothing that can be done. Pure sleaze.

They forced me to change my password but EVERY password was taken. After many, many tries, I got kicked off the web page. I logged back on and tried again. Same thing. You only get 3 log-in attempts to change the password. I finally found one that worked. I closed IE and tried to log back into my account with my new password, but they can't find my user ID which THEY supply to the browser. Their help phone has been busy all day.

I can't get into any of my BofA accounts on-line. I can't change my user ID to fix it. HELP!

Their web site was down when I went to make a payment, on the date it was due, May 18, 2008. Phone agents also advised they could not accept payments. They also advised that since it was past noon, my payment was late anyway. (?)

Since their website was down, no one could take my payment, so I incurred late fees, and my interest rate went from 18.99% to 29.99%! They will not lower my rate, due to universal credit reports.

I am currently paying $230 per month, and about $90 goes towards my bill. I can not afford to make extra payments and don't understand that the Fed rate is so low, yet they can charge 29.99%.

I am so grateful for this website. Before I read everyone else's horror stories about their experiences with Bank of America, I thought I was alone.

I am a college student who works and goes to school full-time. I have strugged with Bank of America's online banking system for over 2 years now. Their system will say I have money in my account one day, and the next I will use my debit card and get charged overdraft fees! I once racked up over 200 dollars in overdraft fees for THEIR system's mistake. I have tried to explain this to various representatives but they never listen!

I have not used this account in a while, simply because I do not want to pay to get myself out of a negative balance so that I can finally close the account. Bank of America owes me, and apparently many of you, A LOT of money.

Bank of America's online service is the biggest scam ever, the information is never never reliable so their CS people always blame you and you get a different story from everyone you call. In the last 2 to 3 months I've been charged almost $500 in fees when my online account appeared fine for days. I deposit money and same day charges start appearing.

I'm unemployed, trying to go to school and support myself but Bank Of America is killing my AMERICAN dream. The worst part is that Bank Of America Customer Support is so condescending in your time of need. Maybe I'll be worth millions one day and my voice and situation will matter, until then Bank Of America will see less and less of my money.

I have no money to pay my rent for October and I have no idea where I'm going to get that money.

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

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

128.00 dollars in overdraft fees because the never notified me that I had insufficient funds over the phone and online and it wasn't that I had insufficient funds they said I had tapped in to MY money that was on hold!

On August 22 I saw I had two overdraft fees which we brought current immediately with a ending balance of over $147 dolaars. The tellers said everything was current and to be sure when we got home I printed out a statement from the online banking portal. The next day two charges popped up that werent there before. I didn't argue those either and deposited $500 dollars on the 23rd in cash.

Everyday I look at the online statement items are moved around from final transactions to pending. The statement looks different everyday. Needless to say on the 23rd after the 500 dollar deposit 4 more overdraft fees appeared. then the next day 4 more. Then all of my weekend charges appeared after and I am sure in the next few days 10 more will appear. I have my friday statement from the 22 and since then my account had not fallen below $0.00 yet I was hit with around 19 overdraft fees that they refuse to return. How can they charge overdraft fees when my account was not overdrawn. I have the proof.

Because of this I am currently - 86.74 not including the 10 overdraft fees I have yet to see. The bank has robbed me of over $500 leaving me no money to pay bills or feed my 3 year old daughter.

I had some pending transactions showing on my account when i went online 8/20/08. i transferred money from another account into that account to make sure there was enough money to cover all pending items when they went through.

I was charged $35.00 twice for 2 items they say presented without the funds in the account, even though they showed as PENDING and did not go through until midnight when there was plenty of funds in the account to cover. THEN they charged me another $35.00 when i went over drawn because they charged me the 2 intial $35.00 fees. Only because i have 6 accounts and have been doing business with them for over 30 years do I even stay there.

I made purchases 5 days earlier and Bank of America held those charges -pending - stating that even though those charges came in on the weekend because they are not open on the weekend a check came in for $250. Instead of posting the charges that came in first, some in the amount of $2.00, they took the smaller amounts out after the $250. I did forget to deduct the $250.

I put in money to cover that fee but don't believe they should be able to hold charges until they decide to post them therefore being able to charge $245 in NSF for less than $50 in charges that were charged 5 days before that check posted. I checked with the merchants and they stated they put in the charges the next day but because BofA held them pending I am being charged for the larger amt first.

I put in enough money to cover the charges and have some left over but instead of that happening I am $116 in the red d/t $245 going to NSF. This is not the first time this has happened but I did not switch because of the hassel to go thru with on line bill pay.

I use electronic billpay to pay my bills. My payment was late one time in three years, and AAA (now Bank of America) increased the interest from 11% to 24%. They waived the late fee of $39, but would not decrease the interest.

I could not afford to pay the interest rate as I am paying other creditors. I have signed up with a Debt Consolidation Service in order to pay my bills.

Every payday, my husband takes his paycheck to the bank, deposits half into his account and gets the other half in cash. So, this past Thursday, he made his deposit. We checked his online banking and the deposit cleared at midnight, as it always does. Tueday night, he logged in to check his accout and saw that the exact amount of his deposit had been debited from his account. Therefore, he was already showing a negative balance since he'd used his card in the past few days for gas, food, etc. We called customer service and was told that the money was pulled due to processing reviewing the transaction, but to not worry it would be back in his account by midnight and he wouldn't have any fees associated with the negative balance.

The next morning, the money still isn't there, so he went to the branch where he'd made the deposit. He was told that the branch manager was busy and couldn't see him. He said he'd wait until she was available. She told him that they trust their tellers, and the teller said that he'd cashed the whole check. It turns out, the tellers drawer was .50 off that day. Well, he'd deposited XXX.50 and gotten XXX.49 in cash. So, we are thinking the teller took the money.

I went to the bank with him to see if we couldn't get it figured out. We walked in, I signed in and a friend/employee of mine was waiting as well. I told her what had happened. A few minutes later, the manager came out and demanded to see me in her office. She raised her voice and said, I told your husband earlier there is nothing we can do at this point so if you don't calm down you'll be removed from the premesis. They have horrible customer service. We are currently waiting for their investigation to be complete, but in the meantime, he can't use his account due to the negative balance.

Fortunately, I had money in my savings account that we are able to use in lieu of his paycheck. However, if it'd not been for that, we wouldn't have gas, food, etc. Not to mention, the time he took of work to spend at the bank, and I left work early to go try to get it straightened out. I was treated like a child in front of one of my employees and her son. I will never do business with that bank again.

I have my BOA checking account set up to send email balance alerts. On the evening of May 30th, I received a balance alert that stated THIS BALANCE IS AS OF THE END OF PROCESSING ON MAY 30TH. I immediately went to my online statement to verify and my statement balance was several hundered dollars off from the email alert. All transactions I had posted in my personal ledger were showing on the online ledger and they matched. I emailed online customer service and recieved a reply that had absolutely nothing to do with my question. The reply was dealing with what to do if you receive a fraudulent email claiming to be from BOA.

I emailed again and again, I get a standard form reply that had nothing to do with my question. Finally, after several more emails, I get the reply. Notice this reply states: We neither guarantee the delivery nor the accuracy of the contents of any alert. You also agree that we shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert So if BOA sends the alert but is is not responsible for the content of the alert, WHO IS? AND, what good are they if they are not accurate?

I've sent several more emails to BOA and called their cusotmer service. To date, I still have no answer as to why the online alert balance was different from my online ledger balance. No harm done this time but I am closing my account

I wrote a rent check on Monday and gave it to my landlord and I looked at my online bank statement Tuesday night and it hadn't hit or I would have been overdrawn. Both the check and my paycheck hit the bank at 12:01 am on Wednesday and when I checked the online account the check was lsited inred and deducted and I had over four hundred dollars still in te bank. That afternoon I checked again and the check had been sent back as insufficent funds and I had over $1000 in my account.

This is not the first incident with them, but the last for me. Thaey are fee crazy and adjust the debits and credits to make money from fees. I find them to be one of the most unethical businesses I've ever dealt with. I even had an incident where I complained about the branch I was at flying a dirty and tattered US Flag that should have been properly burnt.

When I asked to have it lowered and respectfully burnt the manger told me to leave the bank or she would call the police. I siad go ahead and suffer the news spectacle that I hoped would prevail. She then had the security guy talk to me and he said he would lower the flag and burn it, but please leave becuse the manager threatened to fire him if he coldn't get me to go. I said I would go out with him to make sure the disgace to the USA was lowered and we did that. The flag hasn't flown over that branch since.

The check boucing will cost me $25.00 plus the bank's $35.00 fee. I will have to have my automatic deposits changed to a new bank and spend time researching a bank that respects its customers.

I have email alerts set up with Bank Of America that send my balance directly to my email every day. On Friday, May 30th at 11pm, I received an Alert stating This is your available balance after processing was completed on 5/30/2008. I happen o be online so I went to my account to verify and the balance was nowhere near the amount shown on the alert. In fact, it had never been that amount.

I went to the BOA message center and sent an email asking why the figures didn't match. I recieved what appeared to be a standard form message regarding fraudulent emails. I sent a second messsage and received a second reply (again, standard in appearance) explaining the difference in ledger balance and available balance. After FOUR tries. I finally received the following reply:

Thank you for your inquiry dated 6/4/08 regarding your available balance alert. Your concerns are very important to us and we will be happy to assist you. Please accept our sincere apologies for any inconvenience you may have experienced. The Online Banking Alerts from Bank of America allow you to receive specific account information through e-mail. The Alerts offer you complete control over your alert preferences, including what type of alerts you wish to receive and where you receive them. Please be advised the Online Banking service agreement that you agreed to states the following: You understand and agree that your alerts may be delayed or prevented by a variety of factors. We do our best to provide alerts in a timely manner with accurate information. We neither guarantee the delivery nor the accuracy of the contents of any alert. You also agree that we shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance of an alert. Again, we apologize for any inconvenience this may have caused. We value you as a customer and appreciate your business. If we may be of further assistance, please contact us again by e-mail. Thank you for choosing Bank of America.

Notice the clause: We neither guarantee the delivery nor the accuracy of the contents of any alert. Now I ask you BOA, what good is having the alert if the content is not accurate? BOA customer service and their services in general are a joke. I am closing my account! I was really disappointed to see a Bank Of America banner on the front page of this site.

Luckily, no damage was done this time however, I recieved more than my share of abusive fees from BOA.

Yesterday I logged onto my online account and the first thing that caught my eye was that my account balance was about $1000 less than it should be. I pulled up my account there were 2 pending charges, one for about $900 and another for $72 at Macy's in Ohio. First off I haven't been shopping at Macy's for years and secondly, I live in California. So I call B of A and explain my situation only to be told that they are pending charges and there is nothing they can do unless it actually goes through.

The very next morning I pull up my account online to see if the charges cleared. To my astonishment now there is a 3rd. charge for $72 at the same Macy's. So again I call. After I had put in my acct. # and PIN the automated voice tells me that I am now over drawn nearly $700. While I am waiting to talk to someone I refresh the online account and now there is a 4th. charge at Macy's for over $1300. This representative tells me the same thing. He said they are just pending authorization and my response was Well, if they are pending authorization then deny it! He said he can't and I explained how it's wiped out my account and I have checks yet to clear, I will need access for crying out loud it is MY MONEY! He said he could remove the pending charges and free up my account and his suggestion was to yank money out IF the Macy's charges actually do go through.

So, I decided to call Macy's in Ohio but that was to no avail. They could only help me if it was on a Macy's charge or Macy's Visa. Even though they are not charged through and are only pending, that effects my available balance which is now $0. I write checks for mortgage, school, etc. and they will all bounce yet there is NOTHING they can do about it. Incidentally, on their FAQ page it says that if you see an error in your pending transactions to contact them. Whoopie, that did a lot.

They are sitting on $1700 of MY money. I have checks I have written which more than likely will bounce and there will be fees. If those Macy charges do go through how long will it take to reverse this situation. What happens if I was on vacation unable to see this activity and I went to pay for my hotel stay, or dinner, etc. and was denied because of pending transactions that had nothing to do with me.

3 days ago I looked at my checking account online and noticed that pending transactions had brought the account into the negative. So, as I have always done in the past, I transferred money from my savings account to cover the transactions before they actually posted to the account, to avoid any overdraft charges. The next day I had 5 charges for $35 apiece. When I called the bank to get this straightened out, I was told that there was no bank error, every charge that comes through when the account is negative incurs these fees. I spoke with several associates over the phone to get this sorted out and even went into a local branch to try to plead my case in person, to no avail.

Later that evening, there were 3 more charges for $35 appiece. I called the bank and asked to be told the exact transactions that these each of these fees were for. I spoke with 2 separate individuals who did not seem to have a way to figure this out, they both gave me different transactions. This morning I went back in person to the branch and the teller refunded 3 of the fees. I thought the situation was taken care of. My account was back in the positive. This evening, there were 2 more charges for $35 each and apparently, the nice teller who refunded the fees opened up an unauthorized credit card account for me. We never even discussed credit cards and I certainly never authorized that.

So I had to call the bank and have them close out the credit card account, which I'm sure will affect my credit report. Needless to say, I do not understand how a business can treat consumers this way. It would make the most sense that if I don't have funds available in my checking account, decline debit card transactions. Meanwhile I don't even know when this will end with the fees. They could keep charging me, since I have no idea what each charge was for. I'm just supposed to take their word that it happened.

I have incurred $350 in overdraft fees and a credit card with a limit of $4,500 was opened in my name without my authorization. This will definitely have an influence on my credit history, even though the credit account was immediately closed.

The online banking BofA uses is misleading, the way they have it set up leads you to believe that pending items are not counted until the end, by stacking them all in one area labeled pending. In actuality, they consider the charge to be real on the DAY IT HAPPENS. So in my case, I was charged 2 overdraft fees although my balance on the online banking was never below 300 dollars. Their reason was that because on that day, 5/13/08, their system showed an authorization for an amount that put me negative. But according to my online statement, it was still pending.

There is no visible disclaimer on the online banking site that the running balance IS INACCURATE. This is a very questionable practice, and I think many people have experienced the same problems, BofA needs to change their online banking setup and let people know that it should not be used as an accurate means of tracking their account. I was never told this until today.

I was charged 2 overdraft fees and will be closing my account with them.

On May 1st I went on line to pay a bill. I filled in the information and authorized the payment. On May 9 I was informed the check did not arrive. At this point I called Bank of America and was told the check was mailed on May 2 according to their records and must be lost. I stopped payment on the online check that was issued and then asked why the funds were taken from my account on the 7th if the check sent was not cashed.

My second question to them was when the money will be placed back in my account. They said 1-2 days. On May 11th the check showed up. The envelope and check were both dated May 7th.

My niece and I had been Fleet Bank customers for many years. With Fleet I could transfer funds from my account to her's as online bill payment. I had setup a recurring payments to my niece's account and it had been working for a couple of years until Fleet was bought out by BOA.

For whatever reason, the BOA system stop depositing the fund to my niece even though it continued to deduct from my account - both of our account numbers remain the same. It has been nearly two months now and we still have not received our fund back.

I have been calling nearly daily and all I have been told is it will be resolved by Monday.

I use B of A online banking and one day I transferred 27.40 from my checking account to pay my credit card balance. Whether it was my error, or theirs, $2740.00 was deducted from my checking account rather than $27.40. I now had a credit in excess of $2700 on my credit card account. That simple mistake took over two weeks to correct and required dozens of phone calls, 3 letters, and 5 visits to my local branch.

The online banking site has an email component (they guarantee a 12 hour response) and I immediately emailed advising them of the error. 3 days later I received a reply from them and all it said was they were "sorry about my inconvenience" and they appreciated my business but nothing about correcting the problem. I sent a dozen more emails to them which they apparently ignored because I never received another reply.

After two weeks of non-answers from the online email source and dozens of calls to their customer service line, I contacted the local branch and dumped it in their lap. I gave the branch manager copies of all my emails and the lone reply along with 3 letters I had written to customer service which had never been answered. I also gave her a log showing the times I had called customer service trying to correct the problem. The branch manager was very helpful and guaranteed me she would look into it and have the money returned to my checking account. She did eventually correct the problem but even as a branch manager it took her two weeks to get it straightened out.

During this whole nightmare I had a credit in excess of $2700 on my credit card. On one of my calls to customer service, the bank representative had a simple solution for my problem. He suggested that I could use up the $2700 credit by buying things with that card which would eventually bring the account to a zero balance. I suspect zero was also his IQ.