Bank of America Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

She became very annoyed, so I told her to not call my number again. I don't know if this is a scam, but I will never give my private information out to anyone.

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

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

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

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

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

I have received $150.00+ in fees on 2 linked accounts for transactions they claimed did not have fund but were authorized. How does that works? I would like Wachovia/Wells Fargo refund me the money they took away without any justification

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

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

The letter advised me to call if I wanted to continue with the modification. I immediately called them, and they informed me that my home was sold in a foreclosure sale on September 8, 2011. I received the letter on September 11, 2011. I faxed documents to the specialist on September 6, 2011. Wachovia states that there is nothing I can do now. I was blindsided because I was in good faith working with the specialist. I had no intention of losing my home.

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

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

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

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

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

The case is currently filed as ** versus HomEq Servicing. The other defendants are Wachovia, Wells Fargo, Michael Milstead, Milstead & Associates, etc. These banks and lawyers cannot be allowed to operate above the law. They committed the criminal acts with full knowledge of its effects on my clients and their children.

Any similar dealings with these companies can be reported at the website. If you'd like to be a witness then tell us what you know.

Last night (October 12th) an automated withdrawal for $3,859.20 occurred. When we logged on this morning (10/13) we noticed it and were immediately alarmed. The transaction description read "CSTAR SAS MW/MD REF # SW-1100300395", which also threw an alarm as it seemed fraudulent.

My wife called the bank and initiated an investigation. After no response she drove to the bank and the teller told her that they (a woman named Mohini who works at the Peachtree Parkway location in Norcross, GA) had overpaid us on one of the bonds, and that Wells Fargo had deducted the difference.

My complaint is that a) if the amount was indeed overpaid, how can Wells Fargo take back the difference on their error, given that we signed a deposit slip. b) The teller told her that a letter was being sent in the mail, after the withdrawal had occurred. How can they not notify us prior to the event? That is a very unprofessional practice. c) How can they let their error slide for 6 weeks, then 6 weeks later hold us accountable?

I work in sales for a large corporation. If I "under-charge" a customer a few thousand, on what grounds can I stand and hold them liable weeks later for my error. I believe in personal accountability, which apparently Wells Fargo does not.

I would like to see the withdrawal amount deposited back into our account. My wife and I live within our means, and budget ourselves accordingly. Had they caught this error days later it would have been understandable; upsetting, but understandable. Weeks later is unacceptable and now as an expecting father, this comes at a horrible time.

Thank you for your time.

When we missed the third payment, we got calls 24/7—they were threats all the time. I tried to explain to them the reason why were three months behind, and that we will not lose our home. This went on for more than 4 1/2 months, with nasty ladies and men telling me that I better make up all the payments or they will start foreclosure. I was so scared, and I got very sick. In December 2008, I was told that I needed surgery on my breast, but due to I lost my work, I had to wait for months my insurance.

I kept working with Wachovia regarding this and dealt with the hardship everything going on, but they cared less. I thought of one thing that might be able to help me find the right company to help us without a fee, so I contacted our senator in California. I was shocked because within a week I received a phone number to call and I didas soon as possible. She took down my information regarding my income and the hardship we were going through, and said she would give it to the bank. She said that if I did not hear from her within two weeks, I have to call them. At that time, they changed to Wachovia.

I did not hear from them by the thirteenth day, so I called. I spoke to a man. He told me that the modification went through; we would be receiving the new loan documents, and we did two days later. They took all five back payments and trashed them, and gave us a 4 percent fixed rate, but to my surprise they even dropped the balance of the loan. I asked the man in the loss mitigation department what our loan would be and how long we will be paying for it. He said the term of the loan is fixed rate. We signed the documents, and sent the papers back.

We paid our loan on time and then comes 2011. We lost more work, and I needed another surgery-- my thirtieth surgery at the age of 63. We had to save again as it cost so much. Being out of work and living on social security only and my husband at 67 years old doing all the work (in his 38 years in the construction business that we owned, he worked so hard just to get money for my surgery, and to be able to keep up with what we had to pay to keep our utilities on), we got so far behind our payments. I tried so much to work with Wachovia, but got nothing out of them. Nasty people from their office told me that, “You should have not bought a home you cannot afford” and I said, “You’re kidding me.” Who did he think he was by telling me that when we made larger payments before we did the loan in 2007? It went on and on.

Well, now is our home in foreclosure, and they have not set a sale date after nine back payments. They still will not work with me. We did put the home up for sale five months ago, but nobody is putting in an offer, so I called the foreclosure department. I tried to tell them that we will not let our home go. This is our home; in the 45 years we married, we have been in good and bad times and we made it through. She cared less. Then when we put the house up for sale, we found out that our loan was only good until January 2012. When we go back to the “pick a payment”, we could not get back into a loan as it was. She said, “Well you signed the papers, so you knew it.” I told her, “No, we did not.” Then after over an hour talking to her, and I found out that she did not know my name, address and state. She said, “Well, Mrs. Jackson do you still live in the property?” I said, “Who are you talking to? Do you even know?” She said, “Oh, you’re not Mrs. so and so, and you do not live in Florida?” I said,”No, I am not. I am Mrs. **.” She could not get out of that mistake. I said I have written Wachovia, and called to ask for my loan documents to show me what it said, as we did not receive them. We just received a paper to sign and return back.”

She said, “I will make sure you get one, as I'm going to send it out. If you do not receive this one, it has to be your mail service.” I said, “ I don't think so because I get all the nasty ones that stress me out. I am very sick with rheumatoid arthritis, and I am home all the time. I have not received anything, but only the ten letters you sent; five of the letters were for me and the other five were for my husband. When you send out the foreclosure letters, I always receive them. I have not as yet talked to anyone, but I sit every day waiting for a notice to get out.” She said, “I know that they have lost everything, and I have no records of this last loan.” I am at a dead end, but I have worked for months trying everything possible to save my home. This is our home, and all our hard work and money we have put into it. I will be damned if they take it back.

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

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

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

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

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

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

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

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

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

They are starting to call me daily regarding my mortgage payment and when can I send a payment. I advised them I normally do my payment on the phone during the grace period, therefore, don't call me. They said they have the right to call me, yet I'm not currently behind on my mortgage payments.

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

I get no satisfaction.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Marta Maria **

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

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

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

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

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

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

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

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

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

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

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

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

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

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

My problem is not with Wells Fargo. It is and has been with Wachovia. Prior to the lending crisis, I had something horrific happen in my family I can not mention here. The lender let me and my family use our entire savings, 401 K etc. My credit was ruined. And I almost lost my home if it had not been for our HUD department and having to tell them what had happened. We had played by the rules, but had a bad loan. If Wachovia had worked with us when I had went in the first place, my family and I would have been fine. My credit and my life would have been fine, still fine! I have documented and given to our local HUD office the details before the banking went to crap.

It took time and perseverance, but HUD helped get Wachovia fix the loan. HUD did what they could. They could do only the minimum, as everyone at that time was in an extreme mortgage crisis. But I was still with Wachovia. Wachovia immediately screwed up with the billing process. They somehow tried to electronically debit my account without permissions. I would never have allowed this, as I only receive payments one time a month. I am on social security disability. We had a year of talking, emailing and stressing Wells Fargo who I originally had the loan with. We have sent several letters. Wachovia still said I "bounced a check". It was electronic, mind you. I had to prove it. Luckily, it took time. We were able to go to the bank. We were able to do all the stuff you need to get back on track where it was deposited etc.

I found out it was cashed by World Savings Bank! No wonder there is fraud in lending. We the consumer think that the bank/business is out of business/gone, but somehow they are doing business as usual. It's new on the outside, but deliberate, unorganized, unchanged, and messy on the inside! So even though I have the mortgage fixed, I show late, always late on my mortgage. It is the biggest thing they look at on credit reports etc. So, no matter what else happened on top of them, it is screwing me over. It forced me to use the 401 K and everything else to try to keep ahead on my payments. I couldn't fix that. I also got sued by a couple of creditors during this process.

Wachovia was sold to Wells Fargo. Who are they really? They are showing my loan one month behind. Still, I am not. They have refused to change my pay date (since Wachovia originally) to a date that would work for me from the beginning of the HUD fix. So, what I have done to try to fix their behind one month issue is pay extra towards my actual principal. I hope that I can go in and speak to a legitimate home lender in the Wells Fargo bank in my city, who can understand that I have been in this home for 17 years and plan to stay, regardless of what the heck these mortgage companies are doing. It is sad to say that I don't think the fraud, lending practices, and sleight of the hand are going to change. I don't think a disabled mom of three who has survived breast cancer should have to stop, and let people who can figure out a way to push around our money get away with it. My family lost more than anyone can imagine before this lending crisis began. It was because of a choice that wasn't ours to make. It cost my children's father his lifeline of work of 25 years for his testimony. The home they have is their only freedom. I don't feel that it is reasonable for predators of unfair practices be allowed to do this to any family anywhere in the USA!

When the announcement was made that Wachovia was taken over by Wells Fargo, I was thrilled. One of the bankers pulled up my home address. The banker told me that I would qualify not for the $3,000 + payment I was making, but $1,798.00 per month with P & I. It was because I like to add my property tax and insurance on the payment.

I just wanted to make sure someone here has this information, so that it doesn't go unheard. I do think it is crap that anyone who sits behind a desk, pins an angel on a customer's lapel and visits with that client month after month would let them use their 401 K, knowing that their very own bank was going to be sold. Shame on them. Shame on their bank. No wonder that angel fell down my sink and I could never get it out! I had a sinking feeling knowing that my dreams could have been totally washed down the drain. I had put all trust in someone who dared pin an angel on my lapel and acted like they were going to take care of me, my family and our home. Just wait, I don't have the right loan this month, maybe in a week or next month. How many other people from that bank location had an angel floating on their lapel waiting for a loan that never came? (But in their case, they lost their home, or worse.)

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

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

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

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

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

Michelle

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I went to the bank to ask why they put a hold on the check for 8 days. I could understand one or two or perhaps three days, but 8 days! This is ridiculous. I asked why this check was being held. It was not a personal check, it was a bank check from BB&T which they could credit immediately. The answer I got was that checks were merely promises to pay, they were not guaranteed, and that they were trying to protect their customers from possible bad checks being deposited in their accounts causing them to overdraw if the checks were returned. In other words, because we can use your money for 8 days, and you can't do anything about it. When I told them we plan to close the account because of this practice, the response I got was "good luck with that".

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

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

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

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

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

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

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

**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

We are married for the last 10 years. I do have proof showing that she is sleeping with him on bank hours and using bank phone for her privilege. I called at the Shaw Air Force branch and talked to someone named Linda ** who told me she can't help me and can't give her superior's number.

I think Wachovia is a well-known bank and the employees have some moral values. My phone number is **. I want someone to return my call regarding this matter before I take this any further.

They do not pay the bounced check charges that come from this, nor will they send letters of explanation/apology to my creditors. My fuel oil company now tells me because this has caused me to bounce checks twice, they will now only accept cash from me.

I asked the bank what would happen if I were out of town and dependent on my debit card; I was told "that's why they suggest people carry back-up funds".

This is a practice that people need to be aware of, and that needs to be changed.

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

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

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

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

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

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

Pamela

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

I then called the 800 number once again. It was June 6, 2011. After again going through the initial interview I was transferred to a new "home preservation specialist" by the name of Martin Garriel 877-371-9962 ext 84522, direct number 210-338-4522.

On June 30, 2011 I faxed 47 pages of additional documents to Martin.

I called and left a message for Martin.

I then called the 800 number in the document and they expected me to pay them the balance owed. I explained to Sasha, the Wachovia representative, that I had no intention of paying the balance owed. That I had begun the process of renegotiating this loan weeks before the rate adjusted and I'm still waiting to have even a phone call returned.

I explained the whole situation to her and my frustration over not having my calls returned. She said that she would be gathering the documents I had previously submitted and she would call me by 3pm pacific time on Monday, August 8, 2011.

Police were called out and a report was done as theft occurred in the bank. The poor security cameras in this bank branch and the new design of the teller counters caused a theft of a large amount of my money, $1600. The State Attorney’s office was involved in looking at all camera surveillances. They mentioned that this branch had poor quality cameras, and it was being updated in September of 2011. This happened when it was still Wachovia. However, changes were occurring prior to it becoming Wells Fargo, who required these changes in the teller counters. I have gone to other Wachovia/Wells Fargo branches. Their teller counters were not changed, and will not be, according to the employee I spoke with in this particular branch. Also, the branch I visited, where my money was stolen due to poor security in the branch, had no handicap teller counter. But the other branch I visited did have this available. Why does one branch have a teller counter for disabled people in wheel chairs, and the one I went to does not? This is because my daughter is handicapped.

Since I have the information about this branch, I visited where my money was stolen. I wanted the thief's name and address to pursue a civil action against the theft, to get my money back that was on the surveillance. But the bank wants a subpoena to give me that info. I still may not get it from what I have been told. I spoke with the bank’s security personnel who stated that in order to get this information, I needed a subpoena. I feel I should be able to go after the bank for poor security and the changing of teller counters, making it more of a security risk for its customers (me).

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

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

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

When I went in to contest it, I first spoke to Donna ** and she said it was impossible for this to happen. I had to of written the check before 2 p.m. She basically called me a liar! I have proof of exactly when I deposited the money and when I wrote the check.

How many people are getting scammed by the practices of this bank holding on to deposited cash until the next business days but still allow checks to be processed as same day?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

07/18/2011

$15,050.56 is yourCash credit line available

08/08/2011 is yourPayment due date

$395.00 is yourCurrent payment due

Pay now

total credit line

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

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

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

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

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

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

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

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

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

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

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

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

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

This was the situation. On Friday, June 10, I had a balance of $18.82. I had long stopped using Wachovia for my primary checking account and only use this account to deposit paper checks. On Sunday, June 12, I deposited $174.65 and withdrew $20 at an ATM. The receipt that printed showed an available balance of $94.88. Neither the deposit or withdrawal posted until Monday, June 13. However, on June 13, there were 2 charges of $10.00 from June 9 and $3.99 from June 7 that did not post until June 13. I incurred $70 in overdraft fees ($35 each for the $10 and $3.99).

Because of that $70 of overdraft, I overdrafted on the subsequent 4 charges posted on Tuesday, June 14, and incurred a total of $210 in overdraft fees. This was definitely enough reason to visit a branch to see what happened. I spoke to one CSR, who looked at my account and wasn't really clear on why the first two overdraft fees happened. She called over a second employee. He explained that the $70 overdraft was incurred because the amount for the subsequent 4 charges on Tuesday were actually being held on Monday, June 12, which would have meant that the $10 and $3.99 would cause an overdraft.

Fine, but then why would I be charged an overdraft for the Tuesday charges if the bank had already "held" a sufficient amount? He got snippy with me and started lecturing me about using a register. I said I didn't need a lecture, appreciated his time and help, but just wanted to know if there was anything I could do. I moved to the branch manager (employee #3, actually #4 if you count the phone call). I told her that if it is my fault for overdrafting, then I was okay with paying the fee. However, I needed to understand how this was my fault, and from what I could see with my statement and receipts, I didn't feel it was my fault.

The branch manager's explanation was completely different, and probably closer to what Wachovia/Wells Fargo actually does. On Friday, I had $18.82. Any weekend transactions don't count until Monday. On Monday, even though the deposit was made before my withdrawal of $20, and both the deposit and withdrawal post on Monday, the deposit ends up being credited to my account after the withdrawal on the same day. So let's say it is my problem for withdrawing $20 immediately with a balance of $18.82 and not waiting for my deposit to clear. Fine, but that would have only put me at -$1.18 and federal laws dictate that the bank can't charge fees for an overdraft of less than $5.

And because my deposit did clear on Monday, the $10 and $3.99 that also posted that day shouldn't have been a problem. But this is the bank's bottom line - even though I technically have another $170+ available on Monday, the bank is going to push through my charges before the credits that post on the same day. Or at least, Wachovia does this at its own discretion. I couldn't tell if this was standard policy or not. It took almost an hour for her to explain and for me to understand that this is what was happening. She also lectured me about using a register.

My retort - even if I kept a handwritten register, my register would have shown a positive balance, not a negative one, in this situation (not said out loud - because I don't do transaction gymnastics with my charges and deposits to manipulate a way to incur the most fees and give the bank free money). The $174+ would have been more than sufficient to cover the transactions according to any register I would have kept. Eventually, she said that she could only keep saying the same thing and didn't know what else to do. I asked if there was anything I could do. The only way the bank returns the funds was if it was a calculation error.

I sat for a few seconds, and then announced that I wanted to close my account (which actually had a positive balance at that time). I was polite throughout the whole process and repeatedly made sure to express that this was not a reflection on her or the other employees but a reflection of the bank's policies. When I announced this, everyone's tune seemed to change. Not that they weren't polite before (except snippy guy), but then it all became a game of "how can we keep you" after playing a game of "how can we justify stealing your money". I'm sure branches get penalized by the corporate office for losing customers.

Because the branch manager didn't have the capability of dealing with this, I got passed along employee #4, who asked multiple times if there was anything that would get me to stay. Yeah, if you want to give me back my $210, I'll think about it. So here are my issues with Wachovia: 1) The process and system of how charges and credits are posted is so convoluted and complicated that even the bank's own employees can't even explain them in a way that is clearly understandable. It took 4 employees (phone and branch) and 90 minutes before I could figure out what was going on, and I'm a pretty intelligent person (a score of over 700 on my SAT Math back in high school). And really only 1 of those 4 employees actually got it right.

The reason why the process is so convoluted is because Wachovia is manipulating all the numbers to make it more likely that their customers will incur fees. Thank goodness I moved my primary checking to Ally. Ally immediately (or close to it) posts charges and credits in the order they were made. I've never had discrepancies with what I believe is my balance and the actual balance of my account. Also, there are less actions that incur charges (eg. withdrawing money from a non-Ally ATM).

When Ally does charge some sort of fee, the fee is reasonable (eg. $9 for overdraft). I know Ally is a very different kind of bank from Wachovia, but if Ally has figured out how to make this possible then why can't Wachovia/Bank of America/BB&T/Fifth Third, etc? Answer: customers don't matter; just the pockets of the top execs.

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

The representative stated that my card had been deactivated due to suspicious activity on the 17th of this May and that a new card had been mailed out to me. No new card was received as of 5/27. There was no notification that there was anything wrong. There was no notification that my card was going to be deactivated. The card was used on regular basis since 5/17. In fact, the card had been used less than three hours prior to this incident at a Winn Dixie Grocery store. I was actually in a Wells Fargo Bank on 5/24 and nothing was noted or said to me concerning any suspicious activity. The representative stated that there was no way she could have it turned back on because Visa would not let this be done. I believed at the time but kept my mouth shut that the representative was wrong on this, as similar incident has happened before where Wachovia screwed up and deactivated my card and then I had to have them re-activate it.

The representative assured me that the new card would be delivered on Saturday. Thank you for screwing up our 20th year anniversary. I had scheduled a day trip with my wife for Saturday (May 28, 2011) in honor of our 20 years of marriage because I have to work on the 29th of May. Now I am sitting here waiting on a delivery from FedEx. It’s because of the incompetence and lack of training of a Wachovia representative, as it was found out later in the call that the fraud department could have turned my card back on.

The representative transferred me to fraud department. The lady in the fraud department looked at my account and informed me there was nothing that she could find from 5/17 that would have justified the deactivation of my card. She informed me that the reason the charge at Wal-Mart had been denied was due to the fact that it came through as an invalid card number. She stated that if the original representative had not already canceled the card and scheduled another one for shipping, she could have had this one turned back on in five minutes.

On May 28, 2011 at 11:50, I called customer service to obtain FedEx tracking number for new card while I sat at my house awaiting the delivery. I was placed on hold for five minutes while the representative looked in to this. The representative came back on line and informed me that it would be 5 to 7 business days before the card reached me. I asked to speak to a supervisor. The supervisor's name is James **. From the 18th of May, the department saw suspicious activity. A card request from code 24 department was initiated. Who is "code 24 department"? Is that like their super secret "suspicious activity department? Mr. ** was unfamiliar with the department and unfortunately, he had no clue as to how to contact them. Bottom line was there was nothing Mr. ** could do that might resolve this incident.

I am now royally screwed. I have no card to go to ATM or to make check card purchases with as I believed the initial representative that the new card would be delivered today. On Saturday and Sunday, banks are closed. I leave tomorrow to go back to my officer, which is 175 miles away from where I live. How am I supposed to purchase gasoline or food? Oh, flipping joy! The inconvenience of this incident goes way beyond simple. It borders on the negligent, incompetence, and lack of proper training concerning the representatives of Wachovia. At this point, I could really care less if the new card ever arrives. If they screwed me like this, how can I ever trust them with my money?

We did a water cleanup, dry out, and repaired the damaged items at the house of one Rose ** of **, and her insurance company cut a check for $6,816.90 with the payees listed as Andrew **, Rose **, and her mortgage company Wachovia. It is common practice for insurance companies to list the homeowner, contractor, and Mortgage Company as payees on checks and the mortgage company will end up with the check after the homeowner and Contractor endorse so it can be paid to the contractor for services rendered.

The claim number for the damages loss or claim is ** and the Loan number of rose ** is ** which the insurance company and mortgage company use as references numbers for the loss or claim. The mortgage company decided to divide up the payments to Andrew ** and I into 3 payments based on a initial payment, a payment at 50% of work completed and the last payment of 1/3 to be paid upon completion. Wachovia sends out an inspector before any check is issued to make sure the work is done in a proper manner.

Rose ** the homeowner is in Foreclosure and I have done many jobs where the owner is not in good standing with their mortgage company but none the less a payment was made to us and services were rendered and completed. In February we received the first check of 1/3 the amount due which was $2,272.30. Wachovia sent the check directly to Andrew ** and I because we are the contractors and did the work, at this time all the work was almost completed. An inspection was done later in February and the 2nd check was to be mailed to us for the same amount as the first for $2,272.30 which was never mailed to Andrew ** or the homeowner. Wachovia claims they mailed the check to the wrong person but will not give us their name and says they cannot issue another check.

The job was completed and the final inspection was done and it showed we were 100% completed, the homeowner and I had the "Completion Certificate" filled out, notarized and sent back to Wachovia so payment could be made for the completion of the job. At this point two payments were due for $2,272.30 each totaling $4,544.60 which we have yet to receive and all the work was completed several months ago. Wachovia's Loss Draft department that sends out checks to contractors they receive from insurance companies has lied to Andrew and I over 60 times stating the checks were mailed every week starting back in February 2011. Normally it takes about two weeks money after our work is inspected to get our money from other jobs that have other mortgage companies but Wachovia's Loss draft Dept. has lied over 60 times and will not send us the money although they keep telling us the check is "In the mail".

The 2 final payments for $4,544.60 should not take over three months to get to us. This company is illegally holding our payment made by our client (Rose **) insurance company (Universal Property and Casualty) and I need you help to get our money because calling Wachovia's Loss Draft Dept on a daily basis is not working and we need our money.

There is also a supplement check for $4,198.59 that we are suppose to receive from the insurance company that will list owner Rose **, Contractor Andrew **, and mortgage company Wachovia as payees. This check is coming from the insurance company and we will have to endorse it (The owner and Andrew) and send it to Wachovia also so this will be another $4,198.59 they will owe us upon receipt along with the original $6,816.90 of which only $2,272.30 has been paid. This means Wachovia will have the original $4,544.60 and another $4,198.59 they will have of my money and I cannot find anyone who will make this company comply and send me my money, we do not have the funds for an attorney and should not need one on a legitimate transaction like this. I did 60 of these jobs in 2010 and never had one problem collecting my money from any mortgage company I dealt with.

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

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

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

My partner and I currently do not live together so we decided for ease that we would use one address for everything on the account, figuring that it would make things easy when we move into our home this summer. The agent took both our IDs and verified the address for the account. He said he opened a checking account, Way2Save and the savings account. We took the started checks and Way2Save withdrawal slips since you cannot make deposits directly into this account but only withdrawals and said that we would receive our debit cards in the mail.

On April 29, my partner had received his debit card but I had not received mine as of yet figuring it was just the post office being stupid. On April 30, 2011, I went to a branch to make deposits into our accounts. This was a different branch since the one I was using was closed that day even though the sign said that they were open until 2 p.m. This is when I learned of all the troubles I was about to deal with. I filled out the deposit ticket with my name on it and the account was not set-up as a joint account but me as a signer so they had to look for my information to verify my identity. I then tried to make a deposit into our savings account but was told we only had a Way2Save and could not make any deposits into this account which is the dumbest thing I have ever heard to not allow people to save money in a savings account.

My partner was not present so the Teller Manager/Branch Manager who was helping me told me that I should call them around 1 p.m. to open a savings account over the phone since we both had to be there together. We received the phone call around 2 p.m. but was unable to answer at that time so she left a message for us to call her on Monday, May 2 to handle things over the phone. We called her around 10 a.m. and spoke with Josie about this and she said that she would open a regular savings account and that we had 90 days to reach a balance of $300.00 before we incurred any fees. She also said that she would have all the account documents sent to us via mail.

The same day, she also offered to order deposit slips and checks at no charge for the error that happened when the accounts were established. I thought that was a nice gesture. I also informed her that I still had not received my debit card and she was going to look into this and have a new one sent to me. On May 6, I still had not received my debit card and I became concerned that someone else might have received my card so I called the customer service line to speak with someone about this. The lady I spoke with offered to expedite a card order and have it over night through a FedEx delivery for Saturday. She also verified my address and again, I was listed differently on the account and not as joint. The address that the original agent used was also incorrect. This upset me because now I knew both cards had been sent to a different address. She took my new address and said she updated the account and would send the card to the correct address. I said okay and hung up because I had a meeting to be at.

On May 8, I called back to speak to someone about the address issue and the fact that I had not received my debit card that was promised to me. I was also concerned about the address being wrong and my paperwork, deposit slips and information had been sent to a different address that I do not receive at mail. The lady I spoke to looked into my debit card and realized that the agent the day before did have the card processed in time to be delivered by FedEx the next day. So here I am, not able to access my money and my partner was at work and I was unable to meet him to get his card to use. She then began looking through the account and realized that I was not even on the Way2Save account or the Savings account, only my partner was.

She also verified that all the paperwork and items that had been sent out went to the wrong address, as well. I updated the address with her to stop this from happening again. She also informed that there was nothing that I could do over the phone about the savings account and that we would both need to go to a branch office to file a paper to have this corrected. This is impossible to do when the doors close at 4pm and we both work from 8:00 to 6:00, M to F and 8:00 to 2:00 on Saturdays. So the only options we had were to take off work to handle this matter and loose payroll due to their errors.

I told her that this was unacceptable and unfair to us, customers. I have banks that are asking for my business and willing to give us $100.00 to open checking accounts and $50.00 for savings and Wachovia didn't offer me anything from day 1. I was of course angry at this point and frustrated with everything so I asked to speak with a supervisor/manager. When he came on the line, he had already been informed of the situation so he immediately began to apologize for the situation. At this point, that isn't going to change me from being upset about all of my personal banking information and account information being sent to the wrong address or the fact that I still had no debit card.

He said that he could have the debit card sent and delivered on Monday, May 9 and he could have it sent to my work address even though the lady on Friday told me it could only be sent to the address listed on the account due to Federal Law. I asked him what incentive do I have to keep my accounts open with Wachovia with everything that happened and his only answer to me was that we could close all the accounts and re-open them to avoid issues with account use. This just angered me more because we would have to then go in person to set-up all 3 accounts, which was going to be hard for us to do.

More of our wasted time was due to errors that Wachovia made, not us. He said that he would also look into why each of the local agents I dealt with did not do their jobs correctly and had this handled inappropriately. He really couldn't offer anything to make it better nor could he offer a promotion that his competitor had offered me to open accounts. I informed him to make a note that even after he has looked into the matter on their end, I would probably be closing my accounts and going to another bank. I also informed him that if my information is or will be used for anything fraudulent against our names that I will take legal action against Wachovia Bank/Wells Fargo for screwing up. So I hung-up the phone with nothing resolved and lots of time wasted. I had my partner transfer all the money into the checking account so that I could go to the branch on my lunch break Monday, May 9 and withdraw the money. I am going to have the Branch Manger present during this process and then would close the accounts.

The customer service agent said all was fixed and not to worry.Okay! Sure enough, I checked my account and money was still being taken out! I went to my branch manager here in Jacksonville, Florida on Dunn Ave. to have a personal meeting, to end this once and for all. She said the person I spoke with on the phone did not finish their job and nothing was done. She said she was sorry for that and she would fix it. Okay! As if I was surprised to find that one week later, nothing had changed and money was still being stolen from my account going into a "Way2save", which I do not have! This time, I went to a different bank thinking I would find some intelligent manager whom would see my problem, give me back my money and we could carry on our lives.

But no. After tapping for 15 minutes on her computer, getting another agent to look at the mess you people have made, she called home office to see what they could do. Again, not disappointed by the lack of customer service, she said she was sorry and there was a failure by "someone" to do their job correctly and that it wouldn't happen again. She's right, it won't! I may not have had a lot of money passed through your bank, but what I did have was mismanaged by substandard managers and customer service people. The horror stories are true and I will be passing this email on to the Corp. office by postmarked letter. Congratulations on being in the same category as "Bank of America", that's pretty low on the pole.

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

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

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

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

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

The account number on this vehicle is ** and the VIN number is **. Our payments were $524.39 per month. In the beginning we were sending in a little over to bring down the interest. The payment we were making was $551.18 and over. There is a discrepancy with the payments, the contracts, the insurance, the repossession itself, and the dates when it was repossessed. We feel the sale of the vehicle was not what they said it was. They said it sold for $11,700.00. This was a new vehicle barely driven. The mileage per year was way below the 15,000 miles per year. Please help us with this matter. We feel that the Wachovia did not treat us fairly. We want restitution if we have a case.

The next thing I know I am getting exorbitant fees. So I went from Walmart to Wachovia. The bank told me I had to straighten it out with Walmart. The fees ruined my account. To make it better New York State stepped in with my checking account. The credit card I used to have went to the extreme in debt. I was over medicated in New York on horrible pills on a misdiagnosis from a car accident. I was told I was going to commit suicide or kill others. They ** up my credit and everything. Well at this point I am not exactly sure which one it was that stepped foot in and blocked my account. My credit is messed up.

I then looked at my account again on February 18 and noticed that one of the accounts that was on hold, that I was told was already deducted from my account, had been charged another $35 overdraft fee. I called again and spoke with Mildren ** who then said that since my account was in the negative, the funds were released which caused my account to go into the negative again and that it was going to be charged again once the other transaction for $4.99 went through the system.

I then spoke with Kasey ** and she stated that I had already received a credit for my account and there was nothing that she could do. I feel that these four ladies were very inconsiderate and offered no way to help or assist. Wachovia is ripping people off and this is unacceptable from a bank. Their customer service is very rude and inconsiderate of people's feelings and unprofessional with how they talk to people.

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

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

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

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

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

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

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

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

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

I was unable to sleep, so I got up and went to my bank's ATM and checked my 'available balance." Then I withdrew $400 to pay my rent and monthly bills. After this, I went grocery shopping, using my bank's debit card at Walmart, spending approx. $67.00. I returned home at approx. 5:30 am and went online to check my balance again with my online banking. My balance was a little over $200.00. Then I went to bed.

Later, after getting up, I checked my email, and I had an email from my bank which said that I had overdrawn and they charged me $35.00 for a check in amount of $16.62 that had presented after I went to bed at 5:30 am. I have my ATM receipt dated February 1 at 3:33 AM (after withdrawing $400 cash) which said that my available balance was $275.54 in my possession. They posted the check after my deposit had been posted from SSI and then backdated it to Jan.31, 2011 online and charged me an overdraft protection fee of $35.00.

I have always been told that deposits cover any debits that post on the same business night. Please help, as I am being ripped off, and I cannot afford to get upset or pay this unfair charge. I live on a fixed income.

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

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

Wachovia advertises "Free Banking" online with only a tiny list which they tack on additional fees to the "Free Banking". Electronic images added to your statement is not included on that small list. If you want the complete list you have to request the information by calling the number listed. That's not very convenient. What happened to the electronic method being faster, cheaper, and easier? In this case, free checking really means $24 per year fees.

Finally, after 50 phone calls to the 1800 number service line, I got a gentleman who gave me a little more info on where the money went. But he told me that he would call me today in the morning to let me know what he found about the check. It is now 5 pm and he did not call me. So, my complaint goes to after 5 months. Nobody can give me an accurate answer. I'm the one who needs to be bouncing from here to there with several hours from my time on the phone and going to the bank in person. This is affecting my mom's school because they say I had no pay, even though the money was already withdrawn from my account. She already missed school today and will miss tomorrow and maybe the whole week. It's because they won't let her re-enroll until she pays the amount that appears as a debt. I know it is not $10,000 as the gentleman mentioned. But it is my money, my time, and my mom's education that could be affected, not for a week, maybe for 6 months until the next enrollment. Thanks for understanding.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Wachovia refuses to verify employment unless I pay them. Hence, Wachovia wells fargo is promoting fraud. I have a signed application stating that the statements are true and accurate.

The banks will claim that, "This is an unfortunate mistake due to consolidation." Ha! Remember what they did to the economy and that Wachovia was laundering drug money and all the top executives walked with big parachutes. I have also had two illegal debits, as well as the bank arbitrarily withdrawing money from a never used account and then billing me service fees. I refused to use paperless billing/banking because it is so easy to miss these transactions which they want you to do and in the event of a cyber take down, how are you going to prove what you have?

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

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

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

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

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

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

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

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

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