Bank of America Reviews

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.

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

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

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

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

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

For some reason the Wells Fargo mortgage was gone into the bankruptcy file and the bank had stopped taking the payment from my checking account without notifying us. By the time, I realized that the money was not taken from my account, it was 2 months passed and many times I went to local branches and nobody could find my account. Nobody wants to accept my payment because none knew where the account was. They even said that because Wachovia is in the process of merging with Wells Fargo, the account must have been misplaced. Finally when I was called the 1800 number, they said it was in the bankruptcy file, I was late in payment and they notified the credit agency.

This was not fair. The customer has the right to know before notifying the credit agencies. A soon as I knew, I paid in full and my loan is up to date and I also enrolled in direct payment from my account. I am still facing the hardship. I was trying to refinance, but due to the Wells Fargo notification to the credit agencies, my credit score is low. Before this I had an excellent credit. I requested Wells Fargo to refinance my mortgage due to the hardship without my husband's income. So far 3 loan officers tried to do my loan, for some reason they do not call me back or respond to my loan application. This is not the way to treat the customers. I always had a very good impression about your bank.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Now, if a draft payment gets rejected, or paid and overdrew your balance, hence charged you an NSF fee of $35.00, as long as you attempted to deposit cash, then Wachovia phone bankers can refund you the fee easily. For any complaints with branch, or inconveniences, report them directly to the 1-800 number. If you are having difficulty with phone bankers, all you need to do is call back and get help. Word of advice, take a breather before you call the 1-800. It works all the time.

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

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

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

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

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

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

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

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

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

Immediately, Wells Fargo began to (and continue to ) harass her. It's disgusting. They've done away with her grace period, and they've been calling several times a day (from different phone numbers - surely to circumvent the laws on phone harassment). My auntie's nerves cannot handle this. Every time the phone rings now, she gets nauseous. It has to stop.

The original paperwork does not state this and I was given 5 accounts. I followed the rules to the letter, depositing $100 per month in each account. I followed the rules, now they won't follow those same rules. I lost $240.00 and repeated calls get me nowhere. I do not get calls returned and no one seems to be able to help.

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

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

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

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

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

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

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

How dare Wachovia take over 6 weeks to return my call? I called Wachovia just about every day as of September 7, 2010 in which I got a letter of denial for modification. This letter disclosed for me to call Wachovia if I felt it was wrong. I did exactly what my letter told me to do on that very day, and when I reached customer service, I was told that the Home Preservation was the only one who would be able to assist me. I called HP for that week and every day I did not get a return call. I would call Wachovia Customer Service again letting them know I have yet to get a call. I needed to update my financial and with the first 3 weeks of going through the same run-around and not one call back, I asked for a manager.

For the next 2 weeks, all he did was take messages to forward to HP, and then when he was exhausted as I was from at this point even going as far to faxing in a complaint to both Home Preservation and Wachovia Customer service explaining that I have tried relentlessly day in and day out, sometimes twice a day and at this point along with the assistance of a manager to still having no results or call back from the appropriate party.

After several weeks with the neglect of this matter I was now told I had a sale date. I was so upset that nobody has yet called me back. When speaking to the manager letting him know that this is absolutely ridiculous and I felt at this point no excuse for going in circles while now having a sale date, the manager gave me a fax number and stated he was just as helpless as I was due to the fact that they to have to count on home preservation to take my call and assist me. Therefore, the fax number to the office of the president would be the appropriate one to address this to. I had to fax twice and still it was not until October 27, 2010 did someone finally call me to address the situation.

I explained this Christine Ship that even during the time that I was waiting upon this office to call. I had made every effort to make contact with her and Home Preservation. The nerve of her to try to explain that now that there is a sale date. On November 9, 2010, it was too late for her to help me at this time. It is not my fault of how long it took for someone to call me back. Then sorry that I never should have been sent to Home Preservation. I was also advised that on that very first call that I made on approximately September 7, 2010, Customer Service are the ones who should have taken my call and made sure I had updated my financial information that would allow me to be reviewed again and would never have had this sale date.

I could not believe that due to the notes and documentation I have as well as a phone report to confirm I was doing exactly what I was supposed to do. However, Wachovia dropped the ball on making sure I was taken care of or directed as I should’ve to begin with and to have managers point out what should have been done 6 weeks ago, and not stop the sale date to allow me the right for modification. I feel I am being wrongfully denied and Wachovia is not taking credibility for this mistake and how dare them wait so long to call me back and then say now it is too late! I have a sale date due to their neglect. I turned to them due to the decline in my income, I was in an accident and suffered a spinal injury that left me disabled.

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

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

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

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

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

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

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

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

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

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

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

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

I then told her that the money did not belong to me and I was unsure of what was going on. She then said, "Didn't I talk with you yesterday?" And I replied, "No, this is my first time calling." At that time, I noticed that my debit/check card was missing and I went to the branch and informed them of the matter. We then completed the forms to have the account closed but Norma would not allow for me to open another account which the branch worker and I did not understand why.

Afterwards instead of the account being closed, it remained open for an additional three months with the $1500 still frozen in the account. My tax rebate was deposited into the account within that time period and I had to get an approval from them just to be able to get it out of the account. When everything was finally over and done with, they closed the account and kept the $1500 that had been frozen in the account. The whole time throughout that time, I received statements still being sent to me as if my account was still in good open standings.

I had no problem with them keeping the $1500 because I knew that it technically did not belong to me but I still really do not feel that it was right for them to keep it either. Earlier this year when I was enrolling in school, I decided to open a student account with them and was told that I could not and their reason being according to them is because my account was closed due to depositing checks into a closed account. I have worked for a bank and I know it is not possible to do such a thing.

When I asked to speak with someone, I was given the runaround and multiple different stories. I do not understand how I went through all the correct steps to report my property stolen and I still have the affidavit till this day that was mailed to me after reporting my stuff stolen but they are trying to say I committed fraud on my account. I was told that money was withdrawn out of an ATM and they knew the branch and everything but not once did they ask me to come in and see if I could identify the person on the tape or let alone even look at the tape themselves.

I am unable to get a regular account now because of the bad mark they have put on my name and what makes the situation worse is it's not even anything I can try and resolve because they took $1500. I never received any money; they did not even send me my five dollars back that was originally in the account and they even took money out of the account for checks that were ordered before the ordeal took place. So how is it that the account was closed but they managed to do that and the box of checks were even mailed to me?

I would like to take legal matters on this because I'm sure that is the only way this can be resolved. I feel like what happened with my account was not just the work of the one who stole my property but I believe a worker of Wachovia was involved as well because I do not understand how this could go the way it did . Even the woman I dealt with in the branch did not understand what they were doing. If it was something I had done, I would not even bother writing this. I would just simply pay what is owed but I owe nothing. I took nothing and still they have my name all messed up. I can't even get an account. It's hard to want to do the right thing when you have people *** you over in such ways. I am just at a loss for words with this situation and it's a real good way to turn a good person bad.

I apologize that I am not that smart to calculate in my head for everything. I had $1235.36 in my account; my total bill should go about $1204.13. They held the check some reason. They bunched my checks of $35.00, $25.00, $100.00 and $100.00, then they charged me 4 times overdrawn fee. Now they have become Wells Fargo and I did not do the schedule they are paying the creditor from my account. Please help me out. We work very hard for little money; they are trying to make money out of our pockets.

They want 70% first week then balance on the second week. No way can do. If they had gone by there overdraft protection plan I have, this wouldn't have happened to me. What's wrong here? Then get a letter from them today denying that I put in for a stop on card. Wrong. I stopped all withdrawals so this would stop. Still got an excessive bill from them plus a credit bureau also wanting there money.

They could stop it when they wanted to. Why not for me when requested? They say no file on request in records. Good business practice. No help from anyone. They say, I have to pay. They weren't happy to hear I contacted you on said matter. Now, have a closed account due to them. I feel this is discrimination to me. Well, thanks. Feel I can't get nowhere on said matter.

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

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

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

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

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

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

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

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

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

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

After keeping me on hold for 10 minutes to speak to a supervisor, the same person came back on the phone telling me that the supervisor would not speak to me because the account is not in my name! I told my husband to march in there in person and get this straight. What is wrong with these people? I want them sued. You cannot believe the fees for unavailable funds I have paid with them prior to the new check law and they are rude, incompetent crooks. The only reason I have stayed is that I have a lot of things tied to this account and I do not like hassles. Besides, I suspect most banks are equally bad. As an aside, once I was overdrawn between paychecks (which always happens) due to their fees mostly, and they took the funds from my son's account without permission rather than wait 3 days for my paycheck. He closed his account so ha-ha to them.

So I found myself $80,739.31 richer. I immediately called my bank to dispute this transaction. They did take the money back, but they took $500.00 more, $81,249.31. When I called Ann at Wells Fargo, she said that PNC didn't return the money and that she knew nothing of my $500.00. She said it was the payment I first tried to make. She made no attempt to help me get my money back. All she referred to is that my bank PNC was at fault and they didn't know anything about it. I explained to her that I live from check to check and I needed that money to pay my bills and food money. She had no sympathy or no customer service skills.

My husband got an executive from PNC to talk to Ann and we had a three way conversation and she was accusing, again, my bank of not giving them back the money. In return, my bank representative tried to explain that there would be no check from PNC and that this was all done electronically, but they kept putting us on hold to research the problem. It's been 3 weeks of pulling my hair out trying to get my money back. Today, they sent me a check for $114.50, 385.50 short of the amount I am due. When I called to see where the rest of the money was, they told me that they took the interest from the principle and that it would take another 7 to 10 business days to receive the rest.

I have had to borrow and beg to make it through the first two weeks that this began then, when my husband received his next check. I was short of $66.00, which I didn't need extra expense. I have a bill that I couldn't pay on time and they have put me more of a hole. Physically, I am drained frustrated and angry and very short of money.

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

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

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

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

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

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

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

I explained to her that I got a balance from the bank and that there was enough money to cover the bill, so why wasn't it paid? I also asked why wouldn't the money be available until the 13th. First of all, it was a cash deposit and cash is always available immediately. Secondly, why so long when the bank was open on the 11th? She stated that even though the bank was open on the 11th it's not really open cause it's a holiday.

This is not the first time I have had problems with this bank and I have not had the account that long. The way to save account also throws people in the negative because you don't know how much money is being transferred from your checking account. I called customer service today to try and get this straightened out but they were so rude and unwilling to even try to help that I just tried to get in contact with the corporate office but they would not even give me that information. So now my electricity may be shut off because of this foolishness. This bank is ripping people off and someone needs to stop them from ripping off the consumer.

My wife who is 7 1/2 months pregnant, and hypoglycemic works for the San Antonio branch. Last week they pulled her chair, and won't allow her to sit down forcing her to get a doctor's note saying she needed it. When she took the note in, they still said it was an accommodation, and not medically necesssary, even though the medical note said it was. My wife could probably get in trouble for me writing this, but seeing as I'm her husband, and I'm writing this, if she gets one word said to her about it, it's just another thing for our lawyer to look at. This isn't all we have to complain about, and I'll be happy to share anything else with anyone who asks.

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

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

10/2-10/4. No word from BofA. No explanations, no phone calls—nothing. 10/5. I received a letter from the bank with a copy of the original check along with a letter indicating that I could cash the paper check anywhere. I went to two different banks. No one would cash a paper check and thought it was very strange that a bank would think anyone could cash such a check. To date, I have a $5,200 copy of the original check and no way to resolve this issue.

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

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

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

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

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

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

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

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

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

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

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