Bank of America Reviews

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

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

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

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

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

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

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

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

She plays with the check back and forth, very load and rudely asks him where did he get the check, if he got it on the mail or offer (from that moment her demeanor changed, we were treated as criminals), then she shows the amount of the check to her co-worker on the right and on the left, they started whispering and rolling eyes at us, completely unprofessional.

About 30 minutes later, she comes back stating that she could not cash the check because there are some issues with the check, she could contact no one at the bank that made the check, didn't have required lines, different fonts and is issued to Daniel ** and his ID says Daniel **. We explained that in Puerto Rico, we used dad and mom last names but when we moved to CT 10 years ago to prevent confusion, he only uses his one last name and that he can bring his social security card and birth certificate to prove it.

She asks us if she could keep the check and she will contact the check issuer on Monday, 10/4/10, to verify the check. She asks for the best phone number, I wrote my number in a piece of paper and that she calls me with information. Today, 10/4/10 at 9:32 a.m., she calls me stating that she couldn't get in contact with the check issuer and the manager said that they would not cash the check because the check is no good.

She did not call nobody, they did not want to cash that check. Wachovia Bank in Miami tried to call them but no success. This is a racist issue. I called the manager Lisa **, Daniel already gave them permission to talk to me, to ask about what was wrong with the check, now they don't want to talk to me because I'm not Daniel, but they talked to me earlier. What is wrong with them?

The bank called them to verify and now they say they won't cash it, period. We want to see if we have a case due to racism and privacy issue. Please let us know. Thanks in advance.

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

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

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

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

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

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

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

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

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

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

Now I was planning to go to Tampa, but didn't for the weekend. Good thing I didn't! Because the $800 was not there in my account! I saved the receipt and called Wachovia on Monday to ask why it's not in my account that I did last Friday! They checked and the guy teller made a wrong entry or some nonsense. And sure enough, one charge came during the weekend (One of those that just happen to come when your account is low!) and I got charged $35. But Wachovia admitted the mistake and removed that, and my money was in the account.

Now here it is on Sept 2010. I went to another branch of Wachovia to make $180 cash deposit on Friday, Sept 24, 2010. This time, the same thing happens, guy from drive thru comes over and takes my info. I didn't think anything of it. He tells me my money is in the account. How again is my money is showing in my account? Even still the receipt says calendar and deposit effective date is 9-24-10. It's now 9-27-10 and still nothing! I call and Wachovia says they will check. Apparently, the teller typed in the wrong account numbers. She was saying something about the number on the card is small or some nonsense.

How come when I slide the card it goes to my account? But when this guy takes it over to his terminal, he has to type in numbers? So my money went to some other persons account and I do see now that the receipt has the last 4 digits of another account. I never checked before because I never had this much problem! They must have some scam going on for two different branches to always make the mistake on a Friday that you deposit cash for the weekend and you wind up ** and facing overdraft charges, because their tellers aren't doing their jobs.

Don't make a cash deposit on a Friday. Go to a teller who is sitting at the window, not one that walks over from the drive thru. Check your receipt to see that it's your account number on it because they know you think your money is there for the weekend. They see your account is low when they pull it up, so they can easily make one wrong entry, you get your receipt, you walk away. Bank is now closed for the weekend, and you don't find out until Monday, all the charges you made during the weekend are now all including overdraft fees.

You know your money was there. The bank doesn't show it was there. Then you got to argue on Monday with them about removing all those fees, when they have a leg to stand on and say, you didn't have the money in the account!

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

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

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

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

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

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

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

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

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

I signed and returned documents and resumed my payments as of May. Around August I received a bill that stated I was delinquent on my mortgage. I called and was told not to worry that I had another traditional Modification being offered to me. I received the documents and this modification raised my mortgage by about $450/mo. I called and asked about the original modification and why it wasn't showing up. They said that there was no such contract. I called back a few days and spoke to a rep who found the original contract. She called that dept. and about 1 hour later, I was assured not to worry that the original modification was going to be honored and BAC would credit me late fees and fix my credit.

They transferred me to the negotiator for the traditional modification. She said she would hold onto the offer until the end of Sept. but said I should go with the original modification. I called numerous more times throughout Sept. to find out the status. Each time I was assured that the contract was valid and going to be honored and that it would be sent off to management to be accelerated. This past weekend I received a notice from an attorney representing Bank of America that they were going to start foreclosure proceedings.

I called the attorney and she too can see the contract as well as the documentation that I was told that the modification would be honored. We both called BAC and now I am being told that they are not going to honor the contract and they told her to proceed with the foreclosure. I have called the negotiator for the 2nd modification who has said she would hold onto the modification until the end of Sept. beginning of Oct. to ask her to send documents with the new dates. She will not return calls. As of now I am in limbo with BAC and stressed about my home. I am so stressed out that I can't sleep, eat, or deal with my day to day things. I spend every moment I am not at work on the phone trying to work this out. I do not know what else may happen but I may have to pay back an amount that I can't afford or lose my home.

I received a letter April 2010 stating I was approved for the modification and permanent documents would be in the mail 7-10 days. These papers never arrived. I have called Bank of America over and over being looped through a barge of departments (Making Home Affordable Dept., Retention Dept., Specialty for Permanent Mod. Dept., Exception Clearing Dept., Direct Advocacy Dept.) again and again to know current or accurate update. Some of the representatives are very pleasant but the system is broken.

Long story short, the way Bank of America handled this modification was atrocious. Institutions such as this live and breathe by an honor system. Lives depend on it. Customers follow through with their commitment and responsibilities in a diligent responsible fashion and are reprimanded when they do not and the Institution should be held to the same standard.

My recourse now put by the last representative I spoke to was to "short sell" my house or "liquidate" it; in other words, up root and take my kids and family to wherever and leave my home. Remember, I thought the purpose of this modification program was designed to keep families in their home and not uproot due to incompetent processes

These lenders need to be held accountable and speak openly for their short coming and not portray the lender as always the problem here. I am reaching out to whomever is listening: this did not have to happen this way. I am a hard working American who is not asking for a free ride at all, but to say you can help and then cause more damage is just unequivocally wrong. What can I do?

Contact the federal trade commission and occ! Very helpful! And contact your bank! Find out exactly what account the money was transferred to and if you used a check. Copy front and back! Call your attorney general's office and call B of A as often as possible. Make it known. Also local news stations! Let's get this taken care of! I've been dealing with it as long as you have. It's been over a year!

We found our loan was in underwriting with still no close date in site. We demanded our application fee returned. Remarkably we did receive. We chose to go with Amegy Bank and we already have a closing date, better rate and a fair market appraisal!

Listen anyone experiencing these prolonged, strung out problems with BofA, cut your losses and go to a local bank. I wish I would have read the blogs and complaints before we started the process with BofA. Our improvements would be done our bills consolidated without the nightmare and tactics being used. By the way BofA appraisers appraised our home $100k under comps. They are taking 6 months to close. 40 days better terms, real appraisal with home town bank.

Don't fall into the trap. Even if we had lost the application money to BofA, we saved 10's of thousands of dollars in interest. I will never do business with BofA again. They should have never been bailed out. Businesses go under for a reason and it generally stems from not taking care of business.

Now, ten months later, Bank of America is still playing games and still has not modified my mortgage but did admit that they incorrectly reported on my credit and would fix that within 45 days but all the damage is done. I have been screwed by Bank of America and I will be filing a lawsuit against them if something is not done or I will join one of the many class-action lawsuits against them.

Bank of America has made a real habit and a normal business practice to screw their customers and I am one of many.

After losing my job and then two months later coming down with cancer, this is not right and I pray that one day the president of the bank can live the hell I have lived the last three years and maybe he can wake up and see how he and his bank has screwed the same American people that bailed them out of bankruptcy. How is this being allowed to go on. I pulled up on the internet and there are over 1000 complaints just this year against Bank of America and nothing is being done except give them more of the taxpayer's money.

I have been forced in bankruptcy and if something is not done, I will end up losing my home to Bank of America's mismanagement of my account. I am living with severe stress over this and these greedy jerks could not care less. They will answer to a higher authority one day for all of the injustice they have dished out.

After speaking to customer service three times, a representative told me that it was possible to have my money refunded, but I had not been with the bank long enough for it to be authorized (which in retrospect was probably also a lie). For this reason and the fact that I have encountered their bad customer service before, I promptly closed my account and moved all of my money back to PNC, whose customer service has always been helpful enough to refund any fees charged.

It must also be noted that the staff of the New Brunswick branch (save a few helpful people), are the most rude bank staff I have encountered. For instance, I had parked in the Wachovia lot which included a drive through teller to do business with the branch. When I left my car, the two tellers in the annex harassed me by telling me my car would be towed if I didn't move it. I reported them to the official branch.

Also, upon closing my account, I told the banker that I was closing my account because of the customer service and he noted my official reason for closure as "Personal," specifically noting that their service was "OK." Shady business practices with bad service and rude branches. This bank should have failed and closed up shop in our recent recession.

I want you to show me and/or make me able to reach out and understand the existence of Virginia State Senate and Congress, so they can act upon it to accuse the commonwealth which could not be done for 14 years. The evil vicious cycle that I am dealing with has done it for the fourteenth time between June and July of the year. And the servants kept on serving the butcher's/wolf with the sheep's skin 24/7. It looks like he must be an embezzler judge and/or an unknown stalker/dictator from certain and unknown server/source/country or agenda ever since day one. He’s stalking a 25-year-old young doctor whom he made 39 and homeless, using the above four and their followers of what I am not afraid and opt in to call a commonwealth cult.

Would you be surprised if the already and successfully abducted public servants (Mark **, the suffocator, Tim ** the executor, Bob **, the supremacist and much more servants of the already premeditated and well studied agenda Mafia's slaves) cry for the Good Banks and their Godly offer while kept deluded. My account was forcefully closed by the stalker and his defrauding strategy by coverup.

I want you to show me and/or make me able to reach out and understand the Existence of Virginia State Senate and Congress so they can act upon it to accuse the Commonwealth which could not be done for 14 years. The evil vicious cycler that I am dealing with has done it for the fourteenth time between June and July of the year and the servants kept on serving the Butcher's/Wolf with the Sheep's skin 24/7.

It looks like he must be an embezzler judge and/or an unknown stalker/dictator from certain and unknown server/source/country or agenda ever since day one stalking a 25 year old young doctor whom he made 39 and homeless using the above four and their followers of what I am not afraid and opt in to call a Commonwealth Cult.

Would you be surprised if the already and successfully abducted public servants (Mark Warner, the suffocator, Tim Kaine the executor, Bob McDonnell, the supremacist, and much more servants of the already premeditated and well studied agenda mafia's slaves) cry for the good banks and their godly offer while kept deluded. My account was forcefully closed by the stalker and his defrauding strategy by cover-up.

I want you to show me and/or make me able to reach out and understand the existence of Virginia State Senate and Congress, so they can act upon it to accuse the commonwealth which could not be done for 14 years. The evil vicious cycle that I am dealing with has done it for the fourteenth time between June and July of the year. And the servants kept on serving the butcher's/wolf with the sheep's skin 24/7. It looks like he must be an embezzler judge and/or an unknown stalker/dictator from certain and unknown server/source/country or agenda ever since day one. He’s stalking a 25-year-old young doctor whom he made 39 and homeless, using the above four and their followers of what I am not afraid and opt in to call a commonwealth cult.

I filed an appeal and won, (what they call) "A Second Look" program and took me out of the making home affordable program. Even though I qualify for the "Making home affordable" program, they refuse to use this program to help me.

As of today, I still have not received any help from Bank of America, not even temporarily lowering my payments to what the modification amount would be. I'm getting help from my family to make ends meet. I really need this modification to stay in my home and I feel it's robbery what Bank of America is doing.

I am unemployed and has to pay back the $1150.00 and lose my $350.00 that was on the account because Bank of America did not put a hold on the check. When I asked why, they said to me that I am a good customer and that they offer good customer service to their customers (in this case I wish I was a bad customer). I opened an account with Wachovia Bank just to get at the fine print, and it clearly states that an amount equal to the check is held against your account for 5 working days before being cleared. Kudos to Wachovia Bank. People, please do not bank with Bank of America. Once you have an account, they do not protect their clients against scams and fraudulent activities.

It is my belief that this simple programming fix has not been made because this little "mistake in programming" can get Bank of America more money in their pockets earlier than agreed.

I had to remind them to get the appraisal done and after a period of no contac,t I called to find out the status. They told me they were afraid to call me because they were going to have to lower the line of credit on the home. After I canceled the refinance with them, they sent me a letter denying the refinance as not eligible. Their automated system is hell to navigate. I will never do business with them again. I wrote the feds a letter and copied them. They should go under. They charged me $400 for the abuse.

When I call them about this, of course it's always my fault, not theirs. I am very meticulous about balancing my checkbook and accounting for my many check card transactions. But they still somehow manage to overdraft me! This is very suspicious to me. And I think they count on the fact that most people don't watch their account like hawks, as I do. I have also noticed this suspicious "INTL service fee" of $0.90 that has suddenly started popping up without any warning. What was this fee for? I never got any notice about it! I believe it is just an excuse for them to pilfer money out of my account. Then, if I missed it in my own accounting, they can charge me again with overdraft fees when something else bounces. I am at my wit's end, as I believe this is plain, old-fashioned thievery.

I used to think Wachovia was the greatest, after my horrible experiences with another huge bank that I won't name here. But I have lost my faith in them since Wells Fargo took over. For those who think I am making a big deal out of $0.90, just remember that they have millions of customers. Multiply that 90 cents by the number of checking account customers, and that is a huge chunk of money (thank you for not publishing my full name).

That night, a transaction came for my internet bill - $30.00. Wachovia returned the payment, and is going to charge me "insufficient funds"! Why are they doing that if I have the funds of $72.55?! The manager said that she was going to call me back tomorrow and she took my phone number down. Please help! Wachovia is stealing from hard working people.

Like I said, we had to use thousands of dollars(10,000) to pay off all the bills that added up plus our credit went in the tank! They shouln't be allowed to get away with this. I know you have heard of these scams because they lost a law suit and ordered to pay 200 million to people they scamed until june 2008 but our situation continued until about 3 months ago!

I wish I could close out these accounts and not do business with Wachovia, but CleanNet does not offer direct deposit. I was refunded $17 of $66 in fees charged and offered the opportunity for overdraft protection, which involves applying for a credit card or opening a savings account. For every charge, $1 would be transferred to savings. This seems like a bookkeeping nightmare waiting to happen. It's another clever way to get fees in the guise of helping the consumer save. BillPay should have a block when there are no funds in the account! I subsequently had BillPay removed from the subcontractor account. I just wanted to let someone know who may have input in getting Wachovia to change this policy. I was charged $66 in NSF fees and reimbursed $17!

I pay every month on time and they deduct $5+and charged a late fee from my on-time contractual amount and begin to call numerous times a week asking for more money after they take payment and charge other bogus amounts. They are very rude crooks. They have caused extensive damage to my credit by submitting invalid reports which have caused me denied credit. This, as well as the constant calling and the fact that they have even illegally called my job as well as others I know w/ lies after I asked them to cease. This all has caused a lot of emotional and physical distress.

About an hour later, I realized that I didn't redeem my 3,691 points so I called them back. They said it was too late and I can't redeem them. I went to the local branch where I opened the card and talked to a manager. They called customer service, but no one would reverse the charge. As for the points, I guess they "need to think about whether they will let me redeem them or not". Terrible customer service and they really don't care when they lose a good customer who pays on time every month. They could have backed off the charge this one time and let me know if I did business with the same company again and the same thing happened, I would be on my own. Instead, they let me close the account for a disputed amount of $2.66. I realized that this is a very small amount of money, it is the principle. I don't like being take advantage of, ripped off or rudely treated. If they do not redeem my points, I will file a complaint with the Better Business Bureau in their area.

This wasn't the first time that information from one rep to another was wrong. when I called on the 2nd of September to check my available balance, they said that my account was due to be closed in 5 days and the phone rep said that my account was not yet closed and I could withdraw my money that was available. When I got to the bank, they told me that they could not access my account and I had to call risk management to get them to lift the hold so that they could release my funds. Certainly, they refused and was very rude to me.

I will never bank with them again. If I get any type of money, they will not get any consideration and I'm also considering legal action

I absolutely have no money to help me with my daily living expenses. I live 56 miles from work. If they had not told me I was going to receive the check after the 2nd of September, I would not have paid the bills I did with my residual paycheck. I have spent over $1100 trying to close this account!

I have been with this bank for ages over and over again. I would complain and things would come down only to start up again. They had no intentions of helping my husband and I or caring about our needs, they wanted those fees and by all means possible they would seize them. I remember during one Christmas they hit me with about a $700.00 of overdraft fees. They would take 35.00 for something that cost 3.00. It was absolutely ridiculous. I ended up having the worst Holiday of my life due to this stress. They paid nothing and left us with no money in the bank during the Christmas Holiday. My husband and I changed banks recently Thank God. We just got our money out of there. I sent them a email over the online account stating that I would like one of checking accounts closed, and that there was to be no more activity with the other. If anything came in to sent it back cancelled. I was calling around trying to catch everyone with the change but just in case I did catch them in time, please let them know the account was cancelled. I wanted this to happen because I knew how they were with overdraft fees.

I also wrote that I wanted to change it into a Saving. So a day or so I checked the account and I was overdraft by $200.00. They were letting everything come through. I wrote and told Wachovia I would pay up to an certain amount and that was all because I had requested the one account closed and other changed into a Saving. They would not it do because of overdraft fees. I have refused to pay it. I recently received a Wachovia recovery letter stating we owe them the amount of $562.00 in overdraft fees. This is a lie and I refuse to pay it. I will pay what I wrote in my letter to them and nothing more. I want to file a complaint against Wachovia. For Countless unnecessary non sufficient funds, overdrafts fees and unavailable funds charges over a period of several years.

I was just hoping to get an logical answer but the agent just kept on getting very hostile. I then told him I didn't want to speak to him anymore and the first thing out of his mouth was that he could have someone contact me in 24 hours. I told him that I needed to speak to someone at that moment so that's when he told me he would transfer me to the Spanish line. I never asked to speak to someone in Spanish. I speak perfect English but since he was able to distinguish my Spanish accent, he automatically assumed. I feel very discriminated towards that action and although I'm proud of being a Latina, I didn't appreciate the way the agent handled it. I then called back and spoke to a very nice lady that provided me with the agent's name as well as filing a customer complaint against the agent. She did tell me that the agent had placed notes in the account stating that the call had been disconnected. How convenient!

Bank of America requested financial documents from me in October 2009, and again in May 2010. I have complied with and sent in all documents requested and paid the reduced amount for over a year. I am now being told by Bank of America as of August 2010, that I was denied for a loan modification, because they requested additional information in July 2010, that I never received, and that I owe $13,000 for the last seven months.

I have requested my payment history 3 times, in an effort to get some understanding, as to what they have done to me, to no avail. I have also requested information on how I could possibly owe this amount of money, and where the payments I have made are. Only to be told it has been applied to my account. None of this makes any sense to me.

I have tried to call on several occasions, to be placed on hold and then disconnected. After calling back, being told BofA is having problems with their phone systems, for over a year! Please, is there someone, somewhere that can assist me in getting this matter cleared and to really deal with the fraudulent practices of Bank of America? Bank of America has sent me a notice to accelerate.

It was supposed to take 3 months so I called on the 3rd month to see if I should make the lower payment. They said yes, because it is taking longer then they thought. Six months later, we got a letter saying we were denied and we owe $3860.00 that was the difference between the lower payment we were making and our mortgage, which went up $200 a month after getting denied the 1st modification. We do not have that kind of money. My husband is back to work but we are still trying to get caught up. Plus we have an equity and they told us the equity would be modified also. Now they are demanding money on that, or they will foreclose.

We are in a mess and I am trying to get refinances but with a low credit score, it is hard. This is not fair, they got money and they are supposed to help us but instead, we are going to be homeless and no one will help! We can't sleep, I am losing weight and I can't eat. I cry all the time and my husband yells all the time. It is so stressful. It is not fair and I don't know where to turn to.

Anyway, I called customer service and spoke with Eloise ** and my problem fell on deaf ears but after a length conversation, she implied that this was the way banks earn revenue and it's a very big business. Boy, was she right. After researching this on the web, it's a mutlti billion dollar scam played on all unsuspecting bank customers. I could have just let this incident go because the check came back the next day and was paid minus the $35. But I was frustrated and went to my local branch at 9:00 am when they opened and spoke with Charles. He listened to the issues and said I was out of luck, there is nothing he could do since deposits are not credited until the next day because the cut off is 2:00 pm.

But my question is, if that's the case, why are debits allowed any time? The same rule doesn't apply. This seems extremely unfair and for anyone reading this article, do your homework and check the complaint sites. I have 3 different banks and all but this one have been very good and all without incident. I then wrote a check and pulled all my funds, went back to Charles and closed my account. Now my story isn't as severe as most others, but says volumes about how dishonest, decitful and deceptive Wacovia Bank is. By the way, they are now runned by Wells Fargo! In the end, I was smart enough to see the writing on the wall. Are you? Do your homework, and check the complaint sites first.

Today, after yet another phone call to them, Bank of America informed me that it will be another 7 days before they could make the $400.00 credit into my checking account. Bank of America was able to withdraw the $400.00 in a matter of hours but somehow it takes over two weeks to return it.

Meanwhile, I've had to live off of $1.92. Not eating much and Bank of America knows this.

I cannot walk, nor can I sit up for more than two hours at a time. He told me I had to go into a Wachovia Center to find out. What? And he was extremely rude. He told me my account information was inaccurate, which it is not. I have paid over $24,000.00 back in my auto loan. I am not late on this month's payment. I am concerned and guess I have to call the police. Meanwhile, I answered every question correctly and called the number they requested. How am I supposed to go walk into a store? And why wasn't I provided with the information? I have no idea how this will effect me, as I am disabled. It is outrageous how these banks gambled with mortgages outside the country putting the entire world in a tailspin causing massive layoffs and foreclosures. Why doesn't Obama do something about this rabid actions of the banks? It's their fault the economy is like this in the first place.

Everyone complains about past administrations, but what has this administration done about the banks? Nothing! I am so sorry I voted fro Obama. Maybe Sarah Palin doesn't know her geography, but she knew enough to return the money to the people of Alaska and to throw the corrupt people out of government.

I closed the account due to there not being sufficient funds in the account to pay August's payment which would have been withdrawn on August 5, 2010. I received a call on August 6, 2010 asking what I intended to do. I told the gentleman I was going to turn the car over to the nearest Bank of America facility the following week. This was done the following Tuesday, August 10, 2010 in Destin, Florida. I called Bank of America to verify that they knew about the turn-over and was told they had been notified.

I have tried to work with this company all that I can under the circumstances. I was informed by them they did not make any modifications to loans and would not work with me in any way. I made the comment "You would just as soon lose an account"? The response I got was "We can sell it at auction." Since that time, there has been a letter come addressed to my husband and stating he broke his promise. This letter comes from the Deceased Unit which one would think would show more compassion for the family than to send a nasty letter to a man who is no longer around. It was as though he had broken his promise because he had the audacity to die. No regard for the grieving family in any way. This company cares nothing about their customers and makes it clear. Other people have also formed their opinions as to how cold and uncaring this company is toward their customers.

For the bank to take money from her savings to deposit into her checking account, the bank was charging her $10 each time, when you could easily do an online transfer which would not cost anything. I contacted Erik several times, and he explained that he couldn't do anything about it and that he had to talk to Jason.

I have been calling them several times for the past two weeks and have not received a courtesy phone call. Being the consumer, I feel as if they did not perform customer service in trying to resolve this issue. And until today they still have not called me back. There were too many excuses, and I feel that my daughter was taken advantage of, especially she being a student and has no clue of banking.

No disclosures about the fee was mentioned. The only excuse that they could make was to read the material that was given. Come on. If the FS offered the option which is a choice, he could have taken the time to explain the fee, unless he was thinking about the commission that he was making off on it. I am for the principle, and if this is how the consumer is treated, then I think people out there should really look at their bank statement and see what else they are being charged for.

My husband was consoled by the bank employee that there is fraud protection and that he need not worry. Bank of America would credit the $37,548 for company use during this stressful time. That was a promise unfulfilled. On July 17th more was discovered to have been stolen, by unauthorized means of bank-to-bank transfers, bringing the total to more than $160,000 from this account since January of 2008. This bookkeeper, with Bank of Americas cooperation, was able to set herself up as a vendor and money was sent directly to her personal account. Even since this discovery, Bank of America has charged us thousands of dollars for overdrafts and NSF fees!

As might be imagined there are also many ancillary expenses caused by this crime. Our company had been with Bank of America for more than twenty years, yet when we inquired as to how the bank issued the bookkeeper an ATM card and password without our permission or knowledge, we (as well as the local police) were denied that information. Nevertheless in a letter dated Aug. 13, 2009 from Bank of America, the postscript states we are entitled to such documentation. We received the same run-around regarding the fraudulent electronic payments made to the bookkeeper using the bank account. Subsequent discussions with a CPA and an attorney both informed us that anything regarding this business account should be information available to the owner of the account, by law. However, promises from Bank of America remain unfulfilled!

Some individual or individuals at the bank is/are responsible for allowing this theft to occur. Not long ago, Discover Card contacted us on our cell phone because of a change in our spending pattern. This was just after our $50 purchase of gas in Arizona! This type of security technology has been successfully used for decades in financial institutions. How can a bank as large and as well known as Bank of America perform any less with our many thousands of hard-earned dollars?

As time goes by, our debt has increased particularly because of a Bank of America line of credit to cover overdrafts that turned into an extremely high interest loan. Even after months of paying down this debt, Bank of America was not willing to modify the horrendous interest rate, knowing full well our predicament and its causes.

In March, Bank of America issued a check for $11,140. However, no explanation for the small amount was given. When my husband asked for something in writing, the request was ignored! After a prolonged wait for a better response from the bank, we have closed our long standing account and found a bank with a better reputation in the area. Though the former bookkeeper was convicted and is in prison, this does not resolve the problem of Bank of America's gross negligence in handling our business funds and we are hopeful that with pressure, they will do the right thing.

The purchases were made at different times at different stores. What they did was hold the transaction from going through and put them through all at the same time. This caused me to have a $35.00 overdraft on all (3) of the transactions. There would have been money to cover all the transactions if they had allowed them to go through when the purchases were made. That happened on 06/30/2008. After that, I decided no more, and I wasn't going to pay it no matter what they said or did. They didn't want to work it out, but they wanted me to pay them. I said, “This was it. Close the account or do what you have to do, but I won’t be paying this. Report it to the credit bureau. I don't care.” I still have the proof right now in my purse. I don't know what made me hold on to this stuff, but I did in a way I'm glad I did.

What total arrogance. I did nothing wrong, but actually moved money around and they now won't refund my money until they close the account in 15 days.

I guess I will be living in a tent across the street from 1600 Pennsylvania Ave.! An acquaintance suggested I try and find people out there like me who have been taken advantage of and are now losing everything due to the greed of our politicians, the banks and our own president. Please help us! I am a natural born American citizen who cannot even get help in her own country. Shame on our government, shame on Mr. Obama.

So now, they took 2 different pending charges (once again when these charges were made, there was money in there) But because they are rearranged the $35 fees to appear when there was money, the pending charges appear to have been made when there was no money. So that was 2 more $35 fees for a total of 6 $35 fees bc of 1 overdraft. It is obviously a scam. All they tell me is they can't change it. $210 deducted from my account bc of 1 overdraft. Please advice.

Fast forward to August, my daughter's 5th birthday, in the mist of planning a party and a very busy week me and my wife overdraw our account, completely my fault, I do not deny this. The total overdraft was $200, there were 4 purchases total, one was a large one and 3 smaller ones. BOA charge me $35 four times, plus 2 $10 for overdraft protection totaling $160. Now I go from -200 to -360 because of charges. I thought calling BOA and talking to a supervisor and showing them how they had made such a serious error on May-June and me being understanding not asking for interest on my 10k check, or compensation for the time I spent calling them, the post office while I was trying to track down a ten thousand dollar check they sent to a wrong address, plus my past record and being a customer for almost 14 years would help relieve some of the overdraft fee's, nope, not one.

BOA can make as many errors as they want on your account with no repercussions, I asked to dispute it but instead when my next direct deposit went in they took $360 not giving me the chance to even pay it off over time, I am still playing catch up with bills because of this, times are tough. What happened to due process? This bank would be under water without our bailout funds and this is how they treat a 14 year customer?

Within 2 days, I started to receive emails from BOA that my account was overdrawn. I went to the local bank to get my account corrected. I was told that the $240 in fees will be removed and they would need a few days to make the corrections. Three days later and after several emails, I went back to the local bank. No corrections had been made and the overdraft fees were now $350. On my 4th trip to the bank, they were happy to tell me that they would remove one to the overdraft fees.

I told them to put a hold on any transactions to my checking account and to transfer the entire balance of my savings account into the checking account. There was enough to cover the overdrafts and fees with about $30 excess. When I checked my checking account status, it showed a negative $31 instead of a positive balance. As soon as I can stop, all automatic deposits and withdrawals from both accounts will be closed. I would advise anyone to never do business with BOA. Their customer service is terrible and their fees seem to border on fraud.

I do online banking and operate on an alert system, due to my computer being hacked. I receive notification for withdrawals or payments over a certain amount. I also requested at the time of opening the account, that I would not want overdraft fees charged and that I needed the bank to deny payment on my debit/credit card should I not have the funds in the account.

I also know that the bank usually sends notification by mail should the account be overdrawn, as an extra warning. My account became overdrawn on the 26th of this month, due to my pet plan insurance company billing me two months instead of one. This resulted in a cycle of events that has seen Bank of America take almost six hundred dollars in overdraft fees from my account. I used my debit card for small payments such as a rental movie for $1.05, a cup of coffee, etc. Each time I used the card, it was accepted. I received no warning nor was what I requested carried out. I was charged thirty five dollars for every transaction over the amount. Despite putting in my child support check for eight hundred dollars on the 29th, they took most of that amount in fees and then overdrew my account again, in overdraft fees!

For small withdrawals of between one and five dollars, I was charged fifteen times a fee of thirty five dollars. Even with funds in there, it swallowed up all the money and then incoming bills overdrew me again. It is a carefully executed cycle of no win.

I spoke with a total of four customer service reps, including a supervisor and a manager and none of them would waive anything more than one thirty five dollar charge, on the huge amount of almost six hundred. Firstly, I didn't receive notification. Secondly, I expected the bank to deny the charges if there wasn't money and thirdly, I received no online alerts either. It was as if though it suited Bank of America to keep these facts to themselves so that they could take the contents of my account.

The result is the cycle has begun all over. I am a single mother and depend heavily on my child support deposits. It is only the third of the month and BOA has already drained the only resources I have until the fifteenth. Any charges made since then will be charged an overdraft again and I have no back up credit card or any other card to tide me over. The fact that I took the issue public to twitter and Facebook, did not phase them in the least. The fact that I told them I would close my account didn't bother them either. I got a stone wall all the way, flat out denial that I had requested a no overdraft policy and that they had failed to notify me.

I have never had issues with this account, have a good track record and took the time out of the day - hours on the phone and online to try and get them to meet me halfway and to no avail whatsoever. That to me, is bad service, bad policy and plain greed. I have written to several forums in the hope of gaining their attention, but I doubt that anything will be done. It is unfair to decent, hardworking citizens who do not have huge amounts of money in their accounts to have these charges without some notification from the bank. Please publish this complaint in the hope that my voice can be heard along with thousands of other customers who have been ripped off like I was. Thank you.

I have alerted my business associates, neighbors, and family about Bank of America's predatory loan collection practices on people who don't have loans.

Never get a loan with Bank of America. I believe Bank of America is trying to coerce or force innocent people into paying for loans that they don't have. Bank of America has such a deep level of greed that they have resorted to preying on anybody they can find. Bank of America ties up my cell phone line. They interrupt my employment by calling me repetitively during work hours. I have been forced to turn off power to my phone. I am paying for a cell phone service that is useless since Bank of America ties up the line. My business and family associates cannot contact me on my cell phone.

I have spent over 8 hours over the last week and a half trying to resolve. Everyone on the phone understands. No one calls back when they say they will. Tonight I received a call from a debt collector, not sure if that means there is damage to my credit but I work 60 plus hours a week, and to spend my evenings spinning my wheels and getting calls from debt collectors is too much. Instead of admitting these errors, they are trying to intimidate us. All of what I say can be proven. We bank with these bloodsuckers and all the payments are recorded and we have the bill payment records. Any advice would be appreciated.

I asked why and she said it costs us money to process them and we have another source. I said, "I've never heard that before." She said, you would be surprised what you don't know if you don't work in the banking business. She gave me my cash but was totally rude. What would a ten year old child do with rolled coins from a lemonade stand.

Can BOA refuse to cash in coins if I did not have an account? Was treated rudely and with total disrespect even though I've been a loyal customer of Bank of America for nearly ten years. It is not my primary bank and never will be with this treatment.

I called them to put a stop to it. They told me that I was a bad mother and needed to get off the phone, leave my dead beat husband, and take care of my kids. (My baby was crying in the background.)

They then called my husband who left work to handle it in person with the only Bank of America branch he has ever dealt with. The branch manager called North Star Location Services to tell them they had the wrong man, but things continued to spiral out of control within the next few weeks.

We pulled my husband's credit reports and found a lot of cross reporting with this other man. I strongly suspected that Bank of America was behind the problem since that was the only business with which the real debtor and my husband had an account.

We disputed all the incorrect information with the three credit bureaus. Yet, Bank of America sent us letters saying they had been notified by Transunion about our bankruptcy. We have never filed for bankruptcy, and when I immediately requested a copy of my husband's Transunion credit report, everything was fine.

Bank of America immediately sent us a letter apologizing for the inaccuracy, however, within days, my mortgage company and the company we had our truck loan through contacted us about our supposed bankruptcy. Many hours were spent proving our identity with all three credit bureaus, and everyone listed on the credit reports that we did and did not have credit through.

We put freezes on everyone's credit in the house, disputed all inaccuracies with the bureaus, and we closed our savings and checking accounts and our credit card with Bank of America. The last credit reports we pulled were totally correct.

That was almost two years ago. Recently, we wanted to refinance our house and lifted the freezes on our credit to do so. Immediately, my mother-in-law was called by Bank of America, and though our credit reports were great with scores of the upper 700s and lower 800s, my loan officer asked me about a "judgment pending" on my mortgage. She could see no reason why there had been such a thing as our account has always been paid on time and is in good standing. She said that she needed to get my mortgage company and Bank of America on the phone.

I hit the roof. Why would we ever need to talk to Bank of America? My mortgage company says, they have no idea what is going on because my account really is in good standing and always has been. Bank of America claims that they have no idea what the problem could be because they show nothing on my husband as every account that he or I have ever had was in good standing and is currently closed.

What the heck is going on? I pulled all six credit reports before we lifted the credit freezes, and they were completely correct. We are honest, hardworking people who pay our bills on time and do not live above our means. I could lower my interest rate on this mortgage refinance by %2.65 if Bank of America doesn't ruin it with their incompetent and inaccurate reporting. I am already $400 out of pocket for the appraisal. Bank of America needs to be smacked with a class action lawsuit!

I visit the local branch almost every week to get my money back but no result. The branch staff has no convincing answer why they keep our money. When I asked if there is any other institution where I can complain or is there any complain forms from the State, Federal government or consumer protection agencies, they told me there is no such thing. Wait from us even if it takes years.

So the rep at BofA did. However, 3 days later, my account was over-drafted $171.00 because they claimed that the fitness center did not put the release through in time and it charged. Excuse me, I said they put it in 3 days ago! You see, even though BofA knew the fitness center and Visa had released the money, they held it in their banking system just so they could levy 2 fees on me! I spoke with a.total of 10 customer service reps in 2 days, 6 of which have misinformed me, another 3 who blatantly admitted the fault was of the bank and that yes, they do see that both the fitness center and visa have released the funds back into my account, yet they still, to this writing, have not removed any of the overdraft fees or the funds, my funds,my money, back into my friggin' account!

And this is coming from the same bank who went begging to the U.S. Government for tarp money from my friggin' taxes! And now they are trying to take from me again! I will be walking into their god-forsaken branch tomorrow with a smile from ear-to-ear to close my account. And mind you...I have only been a customer for 60 days! Bank Of America will go bankrupt again and shut down. Mark my words, people. Keep your money away from their grimy hands and do business with a company that is noteworthy! Chase bank, here I come!

Last week, I received my statement and there was a $12.00 rewards program annual fee deducted from my account. Please note that there was no mention of this fee in the paperwork and package that was given to me at the time I opened my account and I was assured by Patricia that there were no fees associated with this account including the rewards program and all I needed to do was go online to register for the rewards program.

The next day, I was charged another $70 in OD fees, because of the prior day's overdraft fees. When I called customer service they told me the ATM balance isn't "really" my available balance. If I can't trust my available balance where do I go to know how much cash is available to me? In addition to that, in two locations on Wachovia websites, it says that envelope-free deposits are credited instantly.

It reads, "Cash Deposits: You can insert up to 50 bills, in any direction, and the ATM will automatically sort, count, and itemize your cash deposit on the screen ,and on the receipt. Cash is credited to your account instantly, just as if you made your deposit with a teller".

"Are my deposits credited faster? Yes. Cash deposits are available for use immediately. Check deposits made on weekdays by 8 PM will be considered received the next business day"

If immediate availability is what they advertise, why was I charged $210 in overdraft fees? I have a direct deposit with Wachovia, and the bank took my whole week's paycheck.

I am changing my bank immediately but I sincerely hope that this complain forum has some effect on this matter, though I don't know what. I have lost $105 in bank fees and will have to delay bill payments, tax payments, etc. to manage as a result.

They wanted that overdraft fee $35.00 plus the $35.00 they already had charge me. BOA is all about taking your money and giving anything in return.Wrote a letter to Corporate have not gotten a word in return from them.Call nobody will talk to me about this. Need your help and I think they need to return me $35.00

I recently incurred several overdraft fees on my account. However, after doing a little research, I discovered that Bank of America is processing charges in a way to maximize the amount of overdraft fees that they charge. What is happening is that they are not processing charges in the order that they occurred. Instead, they process the largest charge first which causes all the smaller charges to be an overdraft.

In my case, I clearly made several small debit card transactions first. Then I had to withdraw some money from an ATM due to an emergency. I knew the ATM withdrawal was going to overdraft my account ant that I would be charged a fee. When I checked my account, I saw that they took out the ATM withdrawal first which caused all the other smaller debit card transactions to become overdrafts. So instead of one $35 fee, I was charged this fee 4 times for a total of $140 worth of fees. Had they processed the payments in the order that they occurred, I would have only been charged one overdraft fee.

I feel that this is unethical and illegal. They are manipulating the transactions in a way that generates more fees for them. This has happened several times on my account and I am sick of paying these extra fees. Can anything be done about this? I cannot fight Bank of America myself and need your help.

We contacted a lawyer (American Residential Law Group) to fight on our behalf, and paid them $1,650.00 to represent us in the loan mod with Wachovia-Wells Fargo. They're still telling us we may not qualify, because we make too much money. I'm a state worker in NJ dealing with frozen pay (just got a 1-1.5% raise ), but others have been deferred.

I make a lousy $37,000, a disabled vet (40%), with a 2 year old kid, and a wife, who's reduced her work load as a hairstylist, to raise our child, and stay home (not making $35K annually anymore). I am unable to do part time work because of my work schedule, and our daughter. We thought this loan mod process would be pretty simple. Reduce the interest rate, extend to 40 years, or a combination of both.

How difficult can it be to conform to the president's bill? Aren't they mandated to conform? It shouldn't take almost 2 years to get the loan modified. Besides if a homeowner like me, who didn't purchase a home out of the real scope of income dos not qualify, who the ** qualifies?

We are already living paycheck to paycheck. We turned in one of our leased cars, and got a junker, which put over $400 back into the household income. We've cut back on utilities (through a state plan that was free through insulation, energy star products,etc). We are in an unknowing fog about whether we'll be able to keep our home. Then we hear about Chase renigging on loan mods with their customers (my neighbor), who initially agreed to a loan mod package, then found out he was in foreclosure? We need help and now!

I have two checking accounts with BOA and on July 9th, I made a purchase of $150.00 from one account and I immediately did a transfer to cover my purchase. However, BOA did not post my transfer until July 12th and they hit me with two overdraft item fees. On the next account, I had transactions that were pending from the 8th and 9th for $2.25 and $8.00 and $5.00. There was enough money in the account to cover these charges. However, they posted two checks for $150.00 before they posted these transactions causing me to incur 4 overdraft fees totaling to $140.00.

So because BOA doesn’t post their transactions on the day they take place, I am now left to pay $210.00 in overdraft fees, which they refuse to reverse any. I closed one account and as soon as my outstanding check is cleared, I will be closing the other one and taking my business elsewhere. I have put up with their ** for too long and they are not loyal to me so my loyalty is out the door. There should be some tougher regulations for banks like these who take advantage of their customers.

As far as I am concerned, what they did is theft. I have no money in checking and I’m flat broke with numerous overdrafts happening. They basically "nuked" my finances. Not only do I want the $290.00 back, but because of this and other hardships resulting from this, I am also going to ask for a minimum $29,000 to cover any legal fees and other damages resulting from damaged credit.

Wacovia collection agents would not accept payment amounts less than what was on the bill, the same with automated phone and automated on-line. Wacovia literally forced to pay the wrong amount car note even after proof of insurance. When one could be reached, Wacovia representatives were ineffective, acted irresponsible and mostly non-responsive by phone. We kept getting passed on from one Wacovia rep to another, trying to get our account rectified. Then they suddenly came out and had our car towed away, claiming that we delayed our payments.

When in actuality Wacovia delayed us from making our payment. Even while we tried to resolve the matter with Wacovia, they soon afterwards promptly sold the car for an amount they claim was a below market value and are harassing us to pay the balance of the sale of our car. I spoke to everyone, up to someone in the president's office who reviewed my documentation and declined my appeal for account correction.

When I complained that that was the stupidest thing I'd ever heard of, he said that he could refund me $10. What? I understood the first overdraft fee and I accept it, but twice? That's $70! I am a single mother of 2. I don't make very much money, and so for them to take out $70, I mean, that's groceries for one week!

Five years later, when it came time for me to sell the rental lot, I had to race with a letter from my lawyer to Wachovia to get them to cancel the line of credit placed on the wrong property.

They faxed the proper forms to my lawyer, but failed to cancel the account. The gentleman at my local Wachovia demanded a $100.00 charge to put the line of credit on the correct account, which I refused. It was their mistake, not mine. I found that my account had not been properly canceled six months later when I received a bill for $1,118.00 for an insurance policy that they forced on me because my homeowner's insurance supposedly had lapsed. My homeowner's insurance has never lapsed. I have faxed letters from my lawyer from my local Wachovia's fax machine) to other divisions of Wachovia/Wells Fargo in addition to letters and documents from my insurance agent.

These letters and documents prove that Wachovia/Wells fargo failed to cancel my account and that charges were forced on me illegally. They will never admit that they have made a mistake and will swear you have not provided proper documentation unless you actually go to your local bank and fax the papers from there. Then you need to call the branch and confirm if they actually received the faxes. And follow-up because they will drag their feet, lose your forms, claim you left out a form, all so they can charge more interest.

And then you will receive harassing calls from a different division demanding payment which you may or may not owe. Ask me how I know this. I am still fighting this out with them.

So, asked a second question, since they are the risk department and had the power to shut down the account (and my other accounts that didn't have anything to do with the 1st), can he make sure that it at least stays open to receive those direct deposits because it has been already processed from my employers end and the VA has already processed it too? I didn't want over $2k to be in limbo within the mail system. He raised his voice, talked over me as he said that he has already answered all my questions then hung up on me. It was at that moment that I was so grateful that only God can see everything and that He has allowed all this to take place over the phone, because God knows if I knew what this person looked like (like if it happened at a branch) only He knows what I would have done out of anger.

Went to the bank, they couldn't help. A bank manager looked at me as if I was a criminal when half of the NSF charges was their fault. (Posting incorrect balances, when in fact you have less) Then they have the audacity to charge another $35 on top of the NSF fees they already charged, for your account being in the negative for over 5 days. Back to Risk...prior to this fiasco, I had already been waiting over two weeks to get any money. I needed food for my children. I needed to get the gas turned back on in my house, and gas for my car.

I called them back two days later if they would release at least $250 from my account and I am willing to wait for a cashier's check on the rest. I just have to get food on my table, gas in my car and gas in my home until either the cashiers check comes. They adamantly refused to help. They refused to help me with my own money! As of today, July 8th, 2010, my account is still open with now just $1400 in it, the other $600 paid for the NSF charges that it was in at the beginning of this whole crap, just called them, and now they are saying between the 15th and the 19th of July; wherein another direct deposit may or may not make it into the account. That's a whole month that I have been without for my kids.

These people act like they are better than others the way they talk to people--the same people that was paying for the food on their table, roof over their heads, and shelter on their backs. God forbid they have kids too because you sow what you reap. God have mercy on the risk department and those on top who makes these regulations with the premise to make themselves rich by taking advantage of the everyday consumer and the politicians that keep them in business.

I get paid $1223.90. This pay period, I was trying to pay my mortgage of $1100. They took out over $300 which means I cannot pay my mortgage. I feel this is a direct pursuit by the bank to make me go in to foreclosure. I have asked them to stop charging me these fees. I have monitored the account, and I do not feel like this is a good banking practice. They are targeting me to lose my home.

Once again, company policy takes precedence over honest-to-goodness customer service. Corporate greed supersedes a mere $1789 (including sales tax) goodwill effort towards the customer to do the right thing. Illegal or merely unethical? Regardless, this is entirely unacceptable in so many ways. Apparently, according to the all-powerful, all-encompassing, all-responsibility-null-and-void company policy, I missed my chance to correct BA Merchant Services' billing oversight approximately 13 years and 10 months ago, or within 60 days of when their fraud began. Yes, fraud. Since when has it become legal in this country to charge someone for a product that was never provided?

Sure, BA Merchant Services claims it was not aware of this $1789 billing oversight. And of course they agreed to stop charging me. But what upsets me the most is that they don't care enough to take the extra step to make it right, admit accountability, and reimburse me for 14 years of dishonesty. You see, according to them, it was my responsibility to make sure they were charging me correctly. I suppose it was also up to me to go over every single credit card transaction they processed with a fine-toothed comb to make sure they'd given me the proper discount rate. Have you ever tried to do that?

In fact, shame on me, I trusted BA Merchant Services to do its job, and to do it correctly. After all, this was why I was paying them every month, right? Without a doubt, my business' 14-year, $1789 billing error is small change for one of the largest banks in the world. They could easily reimburse my company without feeling a thing. But what if they admitted their culpability and had to reimburse thousands, possibly hundreds of thousands, of other businesses who were knowingly or unknowingly victims of similar billing errors? Then what? A class action suit? More bad press? Billions lost in bonuses? Do I care?

Obviously, and for many reasons beyond what I've described, corporate America doesn't care about its customers. This isn't a new revelation by any means. In fact, we're even getting used to the apathy: the customer is never right, and the bottom line is all that matters. Here's my bottom line: a company policy should not absolve that company from the responsibility to do the right thing. Bank of America made a mistake, admitted it made a mistake, was given the chance to correct the mistake, and refused. Frankly, I'd have been surprised if they'd acted any other way.

Where do we draw the line between indifference and downright shady, unethical business practices? It's so hard to tell, especially when the corporate marketing gurus develop and espouse their lofty Codes of Ethics and Core Values, when in actuality the front line employees who deal directly with their customers aren't educated and empowered enough to follow it through. Just take a look at two of the five "Bank of America Core Values" which can be found on its website (after much searching, I might add). "Do the Right Thing: We have the responsibility to do the right thing for our customers, shareholders, communities and one another. Trusting and Teamwork: We succeed together, taking collective responsibility for our customers' satisfaction. "

Brian T. M., CEO and President of Bank of America, further states in his cover letter of its 19-page Code of Ethics (also found on its website), "With this honor comes a responsibility for ethical behavior in everything we do. " "The code, which is based on our company's core values, spells out our shared commitment to the highest standards of conduct. " "Trust is at the heart of what we do. Our customers and clients want to know they are doing business with a financial services company that they can trust; that all our associates will treat them fairly, communicate forthrightly, and make clear, honest and ethical decisions. Trust is crucial to the value we provide our customers, and it's fully expressed through the combination of our Core Values and our Code of Ethics. "

Trust might be "expressed" on paper, but what about in practice? Bank of America will never win my trust again. But it does have the chance to act honorably to right a wrong, to act fairly, honestly and ethically by admitting it made a mistake and reimbursing me for 14 years of inaccurate billing.

It took four days for Ryan ** to call me and he told me that I had to come into the bank and discuss my accounts. I work in a courtroom and don't have that luxury of just coming in. He told me to come after work on Friday and they are open until 6:00 pm. I live one hour from work and that's not an option on a Friday. I asked him why I had to come into the bank and meet with him. Ryan told me that he had "tools to utilize" for our meeting. I felt like he was trying to sell me something.

I explained my whole situation with him just wanting the maintenance fee waived and transferring money or close the account because this was getting too complicated. I will just use another one of my banks for my spending money. He told me that the account was going to remain open and the maintenance fee was going to be in place until I meet with him. This is crazy! I told him that I could not care less about $12 but I didn't want anything to be against my good credit. I have never had a bad check or mark against my credit. My credit score is 860!

I asked him who his superior was and was given Shirley **. I called her and she already had an attitude. Shirley told me the same thing as Ryan and I had to come into the bank to close the account. Waiving the maintenance fee was not an option. This is stupid. This is the second time I've had negative customer service from this bank. I came into BOA to finance a new home and got mad with them about their customer service and financed with another bank. This is the only reason I'm writing this letter. I could not care less about $12.00.

I've been with BOA for about 25 years. This bank needs to be educated about customer service. I don't deserved to be instructed on my personal bank accounts. Plus, they wanted to know all about my other accounts and how I spend my money--like how much money I have. Just an FYI, I won the FL Lottery and that's no one's business but my own. I called today and got someone on the phone that waived all the fees and transferred money into that account. Wow, just like what I wanted in the first place--and it was done without going into the bank and in a matter of minutes. Please get some help to that Downtown bank. They don't know how to deal with people and getting them good customer service!

There was another maintenance fee on top of the other one I didn't know about. I had no idea there was a $750.00 minimum on checking accounts. Easy mistake to have when I never get that low. Like I said, this was an account for vacations and spending money.

6) We called today, and we're told that the check was mailed on June 25, 2010. Still no check in mail as of June 30, 2010.

I requested again today to please overnight future funds. "Okay, will ask supervisor if it is OK; will note that on account." I expected to call again, only to be told there was an error and the check was not mailed but will be mailed regular mail asap.

This is not right! We are out of pocket more than $15,000, and the roofer is still awaiting payment. It is our money we pay the insurance company and Bank of America is using our funds and they are not out a dime! Bank of America is obviously pushing the regulations to the very maximum allowed by law. How do we get a bailout?

We are home builders ourselves and are already struggling to stay afloat! Will you please help us get our money? This should not happen to anyone now or in the future. Thank you for any help you can give us. We cannot pay our own bills because we have so much money tied up in our house repairs!

The processor asked me to send in bank statements so I sent them in on April 8th and called to confirm they had been received. I came home on May 3rd to find a 3-day notice to get out of my home, my home of 14 years had been sold at a trustee sale and the buyer was Wachovia. I was never given any notice thus allowing me a chance to respond or save my home. I have called every department at Wachovia to see what happened and everyone sends me to someone else, but will not allow me to speak to a supervisor.

I have written letters to the head of the foreclosure dept and to the mortgage companies attorney, with no response. They claim I needed to come up with $775,000 but they turned around and sold the house to Wells Fargo for $435,000 on May 15th. I know I will be receiving a unlawful detainer notice any day now and I don't know what to do to save my home. This just wasn't right and Wachovia admits that my file fell through the cracks but say there is nothing that can be done at this point, but for us to find somewhere else to live.

I'm not giving up until I have my day in court. How can they do this to us? They were deceptive and out of compliance but they don't seem to care, will a judge care? I lost our home of 14 years

About a day and a half later, they cleared the check and made the funds available to me. I withdrew money against the check. Then a day later, Wachovia indicated that the check was not good.

None of this would have happened if Wachovia had been more diligent and not made the funds available before they knew the check to be legitimate. I have tried to resolve this with them. The most recent communication from them encouraged me to pay them more than $1,000 that their actions cost me. I filed a police report related to the scam.

I lost $900 that I had struggled to earn and borrow for my monthly mortgage payment. My account was now overdrawn by more than $1,000. I was not able to pay my mortgage. And I am now prevented from having access to a bank account. Not having a bank account is a big hardship.

The first few years I didn't have any problems. However in the last 3 years the service has gone down considerably. Even more so now that we are in a recession. I was laid off from my job Sept. 2008 due to the failed economy. I was given a large check to as part of my severance. It was then for the first time I noticed BofA taking monies without my authority and unwarranted. In fact it appears they held the $15,000 check just so they could charge me $35 non sufficient funds. The funds were there in the bank but instead of applying the funds they held the check and charged me instead. It took fussing and 3 separate calls to get the 7 $35 charges reversed. Actually they only reversed 5 of the 7.

After that I started watching my account more closely. I started seeing duplicate charges for things and would call customer service to report the duplicate charges and each time the Customer Service Rep. would tell me that it wasn't a duplicate just that it glitch in the system and that the monies had not been deducted from the account and to ignore. I trusted they know better than me and let it go but then on November 17, 2009, I received an email from BofA that there had been some unusual activity on my account. Someone had charged $433.00 to one clothing store and another $755.00 to Abercrombie.

First of all, I've never spent that much on clothes at one time and never shopped at the stores mentioned. I called the back and confirmed that these were charges I didn't make so the CSR (customer service rep) walked me through getting a new debit card and said that they'd get it out right away and that the monies would be returned within the next couple of days. He also mentioned that there was another $800 that was pending and asked to cancel the transaction but he told me that they have to wait for the transaction to go through before they can react. The $433 & $755 had go through & those could be returned to my account but we'd have to wait on the $800. So he issued me another debit card and we discarded the previous one and he told me that he would take care of the rest for me.

Well a week went by and the monies had not been returned to my account so I called to speak with a CSR. This time it was a lady CSR. She apologized for any inconvenience & said she'd be happy to assist me (she was very nice as was the guy that helped me earlier on that week). She said she didn't know why the monies had not been returned to my account but that she could see that they should have been on her screen and ensured me that they would definitely be returned the next day. It's now the end of Nov. 09.

I gave it another few days and went about my business as usual. Do you know come December 12, 2009 they money still had not been returned to my account. I called and spoke yet again to another CSR. Do you know she had the audacity to tell me she doesn't see the transaction I'm referring to and that she can't assist me but to call back in the day and speak directly to someone from the branch. Well I call the next day trying to figure out what's going on and no one seems to be able to see the monies all of a sudden.

Now the first 2 CSRs saw that the monies had been taken out of my account and saw the email I had gotten and told me that the monies would be returned in days but now the transaction had vanished altogether but yet they can see I was issued another debit card in Nov. 09. Strange right. In the interim, my funds were low because the monies hadn't been returned to my account and therefore a domino effect happened were I was getting NSF fees because they had taken all the monies from my savings to cover some of the checks I wrote out for bills and the monies hadn't been returned to cover the bills. I had another acct with BofA so I transferred funds 3 times to avoid any additional NSF fees.

They used over $2,000 of my money for NSF fees claiming I was so far behind because of the NSF fees. They refused to return any of the monies and when I tried to discuss how this came to pass the CSR acted as though I was making up the story and pretty much brushed me off. I wrote 4 emails, 2 letters and made several calls. It's now June 2010 and to date my monies have not been returned and just recently even though I transferred within the last 4 months over $4,000 I'm in the hole because they continue to hold the monies and charge me numerous $35 charges for NSF. How is it possible to charge me when you have the funds and they are from the same bank and branch? They could actually walk the money over but instead they held onto the funds charged me non-sufficient funds over 13 times.

I asked to speak to an account specialist although I had already put in a request a month prior for someone to go through my account activities one by one to see all the duplicate charges, the monies held which made my account generate the NSFs and the funds I never got back in Nov. 09. Nothing has changed and now to date I have $0 in the bank. I won't even deposit anymore monies until they fix this. I opened an account with a credit union and will never go back to BofA even if they are the last bank in the nation. I'd put my monies in an Eagle's nest before I'd give it to BofA. I plan to fight to get my money returned but once I do I'm going to take it out of the BofA and put in into the Credit Union.

This is just ridiculous. You expect to have to watch your back for ID thieves. You don't expect the thieves to be your bank. You'd think they'd really want to protect you but it appears they only want to protect your money just long enough so they can rip it right from under your feet their selves. It's definitely a sad, sad day when you can't trust your own bank that you've had for over 20 years. But the trust is you can't so if you have BofA I advise you to go through your account with a fine toothed comb and I bet you'll find discrepancies of some sort if you do. Good luck and watch your back at BofA. It has destroyed my funds and my faith in the bank system. I'll never trust BofA again and I've been a customer for over 20 years.

Today I clearly explained to the teller to cash my Bank of America paycheck. While she was processing it, I told her I wanted to put $300 in cash-I specified this- in my checking and take the rest with me. My daughter and I have birthdays this week so I was treating us to Chili's take out for dinner. She took my debit card and it was declined. The manager at Chili's stated we were the 5th Bank of America customer who had been unable to use their card after depositing funds today. So my daughter paid cash. Money that should have been available on my card. I tried to pay a bill online later in the evening and again declined.

Looking at my account online I could see a deposit for the $300 stating it would be available TOMORROW. I've never seen that particular transaction description on my account. Even when the tellers were depositing as checks in error it was a different notation. So I called customer service. Even they could not explain why cash was on hold. This is ridiculous. When I call to talk to the Branch Manager tomorrow, I'd bet good money the whole thing will somehow be MY fault because I didn't instruct the teller as though she was first grader. I think I'll start talking to them like the morons they are from now on. And if-IF I find out cash is NOT being made available same day - complaints to the attorney general, FTC and FDIC will be next.

Had they deducted the charges based on the date of the transaction, I would have only had one fee of $35. Instead, they reduced my balanced from largest to smallest, resulting in several charges for small deductions. They will not refund any of those fees even though I had over $1000 in another account at Wachovia. And I have had my accounts with them for over 10 years!

We immediately spoke with the branch manager and he stated that he could do nothing about it. He stated that it was supposed to offer an option to cancel the transaction if a hold was not desired. He just gave us this helpless "sorry" look and kept our money. He said he could do nothing about it. After two days, he could get the hold off the check and he suggested that we might get it done by calling customer service - the outcome of which has yet to be determined. He explained that an outside company services, the ATM, and they have nothing to do with it.

Personally, outsourced or not, I think the Bank of America has responsibility to the consumer for the failure of their service to perform, even if a third party is responsible to them for it. Bank of America is the one dealing with the consumer and making promises to the consumer. By not informing us that a hold would be placed on the check before accepting it in deposit, Bank of America kept us from cashing it at the bank on which it was drawn and secured interest on the full amount of funds during the float time until we could actually draw on the funds. So Bank of America does gain something from this failure by an alleged third party.

Meanwhile, consumers should know not to deposit large checks in that particular ATM if they want to be certain of immediate access to the funds. You will not be able to get your money, plain and simple, until they let it go and they will keep making money off it anyway. We had our receipt that says Bank of America had our money and Bank of America said too bad.

Over the next five years we were very good banking customers. We conduct most banking electronically; we did not run overdrafts, owned a premium credit card and even owned a savings CD. In 2010 we opened new business checking and savings accounts. Bank of America also issued us a business credit card. Everything seemed fine as we started using the account for a new business. About two months later, we received a letter in the mail concerning the business accounts. The letter stated that Bank of America "has elected to close your account in accordance with the provisions of our deposit agreement and disclosures provided.” It goes on to state that Bank of America "may report the account to Chex Systems, Inc., an account verification service. This may adversely impact your ability to open an account at another financial institution for up to five years."

There was no explanation for the account closures; however, it included a phone number for questions. Instead of calling the phone number, I decided to go into my local bank branch. The banking center manager told me there was nothing wrong with any of my accounts and did not know why the new business account would have been closed. The manager contacted the Bank of America Risk Identification Center and was told that the reason for the closure was due to a 2005 incident involving electronic transfers. They had no more information except to say that "any time an account is closed by the Risk Identification department, the customer can no longer conduct business with Bank of America."

I explained the event to him and he proceeded to tell the bank branch manager that she could try speaking with bank management. Two days later I received a voice message from the branch manager apologizing for the policy, but that they could not reinstate the accounts. I went to the branch and visited with the manager again. She told me that the risk identification department has only been around for a couple years and was not even in existence when this episode happened. She asked if I had any paperwork about this incident from 2005 and I told her that Bank of America should have everything already. She stated that management would look at and consider any information I could provide about the 2005 incident. Apparently, the bank has very little information from five years ago and is asking that I provide it. Bank of America handled the matter in 2005 and did not provide me with any follow up correspondence as to the details after I reported it. She then stated that there was no risk to any of my personal accounts, the accounts I re-established in 2005.

I decided to call the risk identification department again to double-check if there were any other reasons for closing an account in good standing. The woman on the phone confirmed that the only reason for closing the account was the event in 2005. She reiterated that it is their policy to close all customer accounts no matter the reason if the risk department initiated the close. I told her that in 2005 I contacted Bank of America and worked with them to close the account and reopen a new one. She could not confirm anything in regards to the matter except the bank policy. She didn't seem to have any information about the event.

The risk department representative also had no idea about my current personal accounts (created in 2005 after closing the breached account). She was not even aware that I had other accounts. When I told her, she looked my personal account up by account number and stated that this account is probably in the stages of closure as well. With policies like this, Bank of America is passing the blame for security breaches to their customers. When this happens, the bank will blame you even if you are not the cause for the fraud affecting your account. In these circumstances, the Bank of America will close your accounts with no warning, post a notice on the Chex system for all banks to view and will even charge you a $50 fee to thank you for doing business with them. The consequences are $50, negative impact due to Chex notification notice, and the inconvenience of establishing new accounts.

Well, needless to say, I made numerous calls because the same thing started happening over and over. I finally have a total of $600.00 in overdraft fees which I could not catch up. I called the bank to see how we could work this out--I was told to pay $300.00 and they would make the balance zero. They informed me this could take up to 30 days for my account to reflect the change.

I asked if they could provide me something in writing stating that if I paid $300.00, they would credit the other $300.00 and make the balance zero. I was told they could not do that. They said I would have to trust them. I can't trust them, they already showed me that their intentions were not favorable. We went back and forth, but never could come to an agreement. Now, they have me with a check system and I cannot open another account anywhere. Can you please advise me as to what I should do?

I finally spoke to someone over the phone who finally told me how much I should put in the bank because they were going to hit my account with three more overdrafts, so after depositing 340.00 dollars in the bank my measly 35.00 debit and my measly 11.01 debit finally cleared. That was my Christmas present from bank of America, I took my direct deposits out of their bank except for a small one that I immediately draw out non the first of the month. I want them to go through the expense of cutting me a statement. The worst bank in the United States. It cost 340.00 to clear up my account and completely ruined my Christmas.

We have been a customer since 1969; they don't seem to value a longevity customer and unfortunately, changing banks would not be any better. I want this practice of overcharging overdraft fee to stop. I want $70 posted back to my account.

I also am in the process of trying to get my money back from their own ATM. It has taken over two weeks for my money to show up and I suspect the amount will not match what I deposited. I will verify that later. In short, I used their new deposit system with four checks that I signed. The ATM scanned and processed the first one. The second one took awhile to scan but it finally did, then the third one took even longer but it never scanned the last one. The ATM shut down and printed me a receipt for the amount of only the first check and it never even printed the scanned images on my receipt!

I instantly called the 800 number to report it and the person said it should show up within a few days once they processed the money in the ATM. If not, then call the dispute department to open a case. Well, five days go by and I called the dispute department and things only get worse. The first time I called, they made a case but never gave me the number and I didn't think twice about it. I then waited a few days and called back to follow up on the case. What case? There was none. So the lady then takes my case again and gives me the case number. I asked to speak to a supervisor and informed her how serious this issue is. She gave me the case number and assured me that the case was in fact open this time.

Okay, I think to myself, this has to be the end. Nope! I then called back a few days later to find out that the case was open but they didn't have the right information in it! So for the third time, I stated my case. I got a new case number. I didn't even feel like talking to the supervisor knowing how futile it would be. Well, I looked this morning and saw the deposit came in. Now, I need to see how much is outstanding because it looks like I'm missing some money still.

The practice you are utilizing is unfair and quite the racket in obtaining money. What makes this worse is that when I called customer service, the first operator treated me with disdain and like I was a criminal, with short words, an unclear explanation (like I am too stupid to understand), and indifference. When I asked to talk to a supervisor, she assured me that she wasn't going to let him change anything or help me either. When he finally came to the phone after a lengthy delay, he pretty explained to me that your system works that way, and it doesn't matter what day/order you make purchases on, and what money is available then; so much for accountability and common sense.

It comes down to the fact that the bank can choose what goes through and when, and cause overdrafts. Mine was the ridiculous amount of $175. The common sense practice of basing overdraft fees on money that is in the account on the day of purchase is not utilized.

When I ask for assistance from Bank of America, they tell me to contact the state. When I ask them to research it internally, they refuse and tell me it was too long ago. I keep getting the run-around. Meanwhile, the money I deposited with the bank is as good as gone. I still have my passbook and an old bank statement from March of 1998. The original $25.00 plus interest would be in the thirties by now. The frustration and aggravation caused by their disregard for a customer that has had their money taken from them is far greater.

I called Wachovia and they told me that they would send me another card for $20 expedite or $5 regular mail, in which I did the cheaper of the two. Waiting was wrong and you had to pay for it and wait. I left the card in their machine and they still charged me for another one?

Twenty dollars for faster service is a rip off and they know it. I guarantee that you, Wachovia, has made millions in ripping people off. I thought Americans were in a recession and we do not have to continue in a downhill spiral to be taken advantage of. It's sad that they have over 15 states that they are doing this to.

Why must banks be so greedy? Withdrawals also need to be increased as well. This shouldn't be.

Basically, by not having a full time job, they are actually taking away money we all need. Every $20, $5, $1.95, 50 cent and etc. counts, we get a small income. Shame on the banks that they are still stealing money. Are they ever going to stop?

I called the division in MO which handles the force pay collections and was told I owed $395. I stated the amount was mostly for fees. They were unsympathetic, unapologetic and said if I wanted to dispute, I should have done so in February! They changed the ledger online to make it look like it was my fault! I checked my balance every day and did not see the force payment until the 2nd of June! They said they took the money out on 5/28! That was a complete lie! I was paid that day and paid rent with the money in the bank. It was a holiday weekend and there was no way of knowing until it was too late!

These people are crooks! They changed the ledger fraudulently which is against the law! But big BofA against me, like they're not going to admit they broke the law to collect an unjustifiable debt, not my fault! I have been a BofA customer for years! I have never been treated so badly and with such lack of concern or ethics!

Another that I can prove shouldn't have been held, as it’s my cell phone bill that is due on the 12th or I will be shut off but was passed on the 17th and I have the receipt for that. They charged me $175 in overdraft fees, again this all happened in one night. When I tried to speak to someone on the phone about this, they passed me from person to person, and no one could do anything for me. I stated that they should have declined the gym membership if it would have put me into overdraft, as I had money in my account, just not enough to cover the membership fee at that time. They chose to pass something which I had expected to decline. (If I don't have the money, decline it!) I was even told by one snippy rep, after a long conversation, that I should "keep better track of your money ma'am and then these things wouldn't happen, now would they," (they record all calls so it's on there).

I was blown away. I stated I wanted my "overdraft" turned off, that I would rather bounce a check or have my card declined, than have my hard earned money taken from me as a courtesy to myself! They offered me $28 returned from the overdraft fees (how sweet) which I of course took as it was the best I was getting. Fast forward to June 8th, and I log on to my account, which if all charges had passed in order. I would have had $6 left. Upon logging on, I see that I am negative $208. They, again, held off on previous charges in order to pass from smallest to largest, which then put me into overdraft, which I will say I would have been, but for only one charge, not 5.

Also, on September 23rd 2009, Wells Fargo announced a change in policies in that they will charge no more than 4 overdraft fees per day, which my total of $208 is $5 in one day. This is false advertising (I have the press release printed off, and it came from Wells Fargo's own website). Now I tried, in vain, to deal with a bank I have been with for years, and no rep would do anything for me, not even another measly $28 like the last time.

I am tired of accession overdraft charges that I don't even want, decline me, bounce me, but don't take up to $200 of my money to "pass charges for your benefit ma'am." I cried at work when I was the negative $208, which was jarring to me. I am now a single woman driving home from work late at night with no safe cell phone for the next 2 weeks as I cannot afford my bill. I am the sole income in my household of 2 people (as my sister is out of work and trying to get unemployment). I have had to contact Carlos with Fidelity Bank to cancel my car payment because that check, of $200, is now being taken from me by Wachovia. I will now have a $50 late fee for my car loan and a late payment spot on my credit. I have no groceries or gas and as I’m writing this. I’m still not sure how I'll eat the rest of the week (its Tuesday). I'm mad, scared, sad, hurt and just lost for how to deal with this, feeling like it won’t ever get better.

Then they tell me well you are not eligible to get any funds refunded! What a load. They are just taking people's money without any remorse or show that they know they are doing something wrong. I wrote them this message and I hope that they get it. As much as I talk about how wonderful Wachovia is to my friends and then they change over to Wachovia and you all continue to tell me that your computers do not make mistakes, and that the people that you have working with you do not make mistakes. No one is infallible; everyone and everything can make a mistake.

Last week $10.00 was listed as cleared right above a shell station debit of $10.00 as well. Somehow, it disappeared and then reappeared and took my account into overdraft. This is ridiculous! I have never been so displeased with the amount of service that I am receiving. I keep a tight accounting book on our records because I am not working anymore and even then was only working part time, we don't have money to waste. And all I keep hearing is that you all don't make mistakes.

I am done with Wachovia, as soon as my account is cleared I will be moving and telling all of my friends what kind of crooks exist at Wachovia. I will also be posting a blog about this entire transaction and all of the others that cleared and then disappeared and the reappeared. You don't care that people are struggling, you all don't care that people are having funds problems. All you care about is the bottom line. And if I had the page that showed this error on your part, I would definitely have shown you all and posted it online as well. You all have a Blessed and Wonderful Day! They are such jerks. I hope that they go belly up!

Well to make a long story even longer, they kept charging my card over the Labor Day weekend and the following week, even after I deposited $500.00 cash plus $500.00 from another account with another bank. For whatever reason, the overdraft fees kept mounting, even after they sent me an email stating a "review board" was going to review my account (this was when it was $290.00 in overdraft fees). Well I don't know what they have done, but now my account has $500.00 in it and they have taken $690.00 out of my daughter's account and she is not on my account nor am I on hers! She is a college student and on a limited income.

Wachovia did this without notifying me or my daughter. They keep doing these acts on the weekend, when I am unable to talk to anyone or prevent further snowball effects (i.e. increased fees). Please help me. They (Wachovia) say they will review, say they will call me, etc. How can they do this? Help me please!

How much money was wasted and is being prepared for false claimants who might turn up as angry defrauders and use different tricks to make my life more miserable and make me and my likes scream because of justice? Why the system is specifically very conservative on certain targets and pays all the targets' money to footprint stalkers who are not even afraid to download communications like this by virus and monger fear on courts of laws without any fear by deception? I am very hurt and I need an immediate settlement ASAP before trap is prepared by a white collar criminalizing group that kills by "Their Own Rope" as it calls it. More than 1,000% emotional destruction! I feel destructed and solicited by certain false claimants by deception.

I didn't understand all that he was saying but I asked at the end of the conversation if he was sure my card would decline if I had insufficient funds and he said yes. So I made sure not to overdraft after that. In April, I had used my card for a couple of dollar purchases not knowing that I didn't have enough money in my account. I assumed the card would decline like I was told but it didn't.

So I got overdrafted over 200 dollars. When I realized this and called the bank, they told me sometimes the card actually doesn't decline, which I thought was so unfair because if I had known that I wouldn't have it, in the back of my mind, that the card would decline with insufficient funds.

With the first purchase, I was told my account was over the limit thirty five cents and they charged me thirty five dollars over draft fee but that is a lie! I had the money in the account and online showed that I had the money in the account. No one seemed to understand this. I was also shocked at how mean and rude all the representatives were. I called times times to be exact. The final time I called, I got a very nice man who even gave me his name and said he was here to serve me. He did give me a one time credit of just thirty five dollars to help me out.

I am still upset because I was charged one hundred and five dollars in fees when I had money in the account! I used to have Bank of America and this happened before but it was my fault and they even credited me back all the money. They were nice too! Wachovia must have trained their employees to just say no to everything. They even say no to even there own mistakes. So they could see right there that I had money. Mom told me to just go to the bank near us, and show them online and explain what happened and I am going tomorrow.

Since closing my account next time they try to take money from me, I will not pay it because I am stopping my direct deposit and will take out only the money I have in the bank. I can't afford this to happen every month. It has only happened this month and I have been with them for about six months but I am leaving this company and switching back to Bank Of America because I had them for ten years and no problem but grandpa has a savings with Wachovia and that is why I switched.

I even told some of the reps over the phone that my grandpa was wealthy and I will switch banks and he will too but they did not care. No refund and no explanation, that I was satisfied within what happened with my account! With the ninth person I talked to, I started to cry and have tears. I talked to a mean lady who said there is no way they are even allowed to give refunds and she looked up my name to see if I was qualified for a refund and she pretended because she came back to the phone in five secs to say no. I begged and said please, this is all the money I have in my account and you all stole from me. They did not care, did not care that I was in tears and knew I was crying and had no money to live on.

They stole from me. I could have starved to death with negative two dollars in the bank. Thank God that he refunded at least thirty five dollars, even though they stole the rest. I told the reps that I would starve to death and had no gas money either. They said, "Oh well." I mean I was serious! My grandfather has money and he does not even help me. I am a loner. I really have to only depend upon myself!

They were all cruel and evil when they could have easily sent a refund. The first nine people which eight were women and one was a man and the person who refunded me was a man also. If any of you guys reading this have Direct Deposit with Wachovia cancel it fast. They will send you fake over draft fees! I read other reviews where the same thing happened and I was surprised I was not the only one.

They were recording from their end. The reason that I recorded the some of the later conversations is that I was given false information. I call the Fed's and was told that what they told me was not true. I would not put my dog's bones in their bank anymore. I would not use them if I were you either. I checked some of there ratings and seems that they would not be doing good if it were not for tarp. Stay away. I spend the Memorial day week end and had to cancel all my plans because they had lost the money I sent them.

My last statement showed I had a balance of $197 and some cents in it. I had overdrawn in my checking and went to make a cash deposit. I was short a couple of dollars and was going to have some taken from my savings. This rip off told me I was overdrawn in my savings. I was totally upset! I asked, "How could this be when I had never used the account?" This rip off told me that it was a charge for them putting it in my account--this was their idea. How crazy is this? Bank of America is a total rip off!

Well, to my surprise I over-drafted when my mortgage payment went through. I should have only been charged one overdraft but was charged four because BOA changed the order of my debt card purchase dates to later time to overdraft my account four times. I asked them to refund me; they keep saying they can not because computer won't allow it. Also, they say it’s not my fault or them personally. It’s BOA’s bad policy not giving them (BOA worker manager) the ability to refund me. Also, the BOA employee had stolen BOA account number; BOA notified me by mail. I checked my account and it was in the red. They stole all my money. It took them 2 months to pay back the amount and they also stuck me with some overdraft fees. Throughout my experience with Bank of America overdraft abuse, I became delinquent on my mortgage and have had no money for food or gas and also suffered depression and almost lost my home.

On 5/29/2010 I called back and spoke with another customer service representative who refunded my fees because they were illegitimate. I have screenshots to prove the bank account was NEVER in the negative and that the bank never had to pay for any of my charges on my behalf. Today, June 2, both of the fees reappeared in my account. I am short on my rent which will now have to be paid late, and I am not on a lease so this could mean an eviction, although I hope not. I also cannot afford to lose $70; I am a single mother with no other income but my own.

I saw the credit for $800 almost immediately. Unfortunately, they then debited my account $600 under the description of only "Bank of America". I have called everyday for the past 2 weeks and they have yet to correct the problem. I have had no access to my own bank account for weeks including a holiday weekend (Memorial Day 2010). No way to buy gas, no way to eat for over 2 weeks. I have been left with no other choice than to file complaints with the OCC, political offices and major media outlets. If this was by some way an isolated incident, I would have more empathy. However, this is one of a long string of similar events. Bank of America has taken money from me and their customer service associates "recognized the error and are doing everything they can to resolve the matter".

I do not consider 2 weeks prompt nor "doing all you can do". Not only have they applied bank fees to their own debits, they just can't seem to give me a correct answer on when I will see my account back in the black. Not only has my identity been stolen several times in the last year, only a couple months ago, a bank associate pocketed a cash deposit made into my bank account. This has got to end. There has to be some form of consequence for Bank of America not to adhere to the same rules and regulations as other banks.

They do not just maximize ISF fees, if you have one account covering another, they'll charge $10 each time their computer (automatically) goes through the arduous task of simply moving $ from one acct to the other. State Employees Credit Union charges 50 cents for this. I called Wachovia and asked how much a wire transfer would be and they said $40 plus $22, so $66. I said that was outrageous and the guy said it was because the Federal Reserve System charged them. Not trusting Wachovia not to try to gouge me and not being dumb enough to believe this guy, I went to SECU and they did it for $6! I've seen lots of posts here too about their Laissez Faire attitude towards account holders. They truly do have Southern customer service. I left a message for our branch manager Chris here in our hometown after being treated rudely and, of course, he never called. Trumped up fees, near fraudulent behavior and shoddy customer service resulting in anger and despair and going through the pain of shutting down of our accounts.

$105.00 overdraft, due to a hold place on a check that I was not advised. Even though I spoke to a teller before making the deposit, I was advised funds would be available the following Monday 5/24. This was my second paycheck, just returning to work following several weeks of unemployment, I spoke to two people inside the bank and 4 in customer service. Obviously, Bank of America needs the $70.00 more than I do. I've been a customer since 1994, means nothing, understood.

3) Your Mini-Statement (1USD cost) does not include the same day transaction effective May 3rd 2010 because it is what it is.

6) The reform is already hijacked and crippled so very successfully by crippled and deluded governance at the State level.

I don't want to change banks, because I've been with Wachovia for so long. So many things are happening with this changeover. I am not a person who forgets that I owe people money. My credit is very good, and I worked real hard to keep it that way. But now? I know you are very busy and the complaint is so the same to others. Please just hear me out on this.

When you call their customer service about NSF fees, the way they see things posted do not match up at all with what's on my online account. Lastly, I'd also like to point out that if you go to www.wachoviasucks.com it actually takes you straight to Wachovia's log in page. I think that speaks volumes.

I got Geico to credit back the prorated amount of $56.91. Then I called BoA and explained the situation. The woman I spoke to whose name I did not get (but will if you need me to) looked through my transactions. By this time, I'd accumulated 7 overdraft fees of $35 each ($245 total). She agreed to credit the first two, but would not credit the next two on the grounds that if Geico had received my letter, they would have still charged my card the $13.43 difference (which I can almost guarantee would not have happened without consulting me). And that $13.43 would have caused me to become overdrawn twice, which is true, but based on an assumption. Not knowing I was overdrawn when I made these transactions, I'd called the day before and was fine. I had enough to cover every transaction I made up to my deposit on May 11th. I did the math. The $13.43 that BoA is assuming would have been charged by Geico is justifying their slapping me with two $35 overdraft fees.

There's more. I was hit with 3 more fees this week, as my account once again became overdrawn because of Bank of America's overdraft fees themselves! I do not think it is fair to penalize someone, then penalize them for being penalized and I'm hoping you don't either. Rather than sympathize with someone who was wronged, this woman did not seem to want to help me. While I did question the decision to uphold 5 of the fees, I did so without ever raising my voice or using inappropriate language. Yet I was accused of "not understanding my account", chastised and blamed rather than sympathized with. If that's not enough, this woman reminded me that if I do not take care of my negative balance by 5/23, they'll take $35 more in penalties for 5 days of negative balance.

I called Wachovia to request refunds with no cooperation. I was told by a total of 4 different people that this occurred 4 different ways. Most of the time, they showed an incorrect balance, as of the time I was talking to them then they showed posted online. No one would give me credit even though I pointed out that I had a deposit in hold. They said those are no good when done after 9:00 pm, yet it is after 9:00 pm when they post items to the account in many different orders. I have seen and have printouts that show where items have actually posted but the next day, they have removed them, posted other larger items in front and then re-posted just trying to get an overdraft.

I am sick of them stealing my money that I work hard for especially in this economy just so their CEO can maintain his million dollar bonuses and keep driving his Mercedes and live in his multi million dollar mansions at our expense. Enough is enough. These companies need to be fined. I hope the current lawsuits will prevail and cause them to have to repay billions back to the customers they stole from, including me! I had several bills I could not pay, not including the fact that my daughter was getting married the next weekend and money was tight trying to put that ceremony together. This is no different than if some thug held me up at gun point and took my money.

When I went to my bank to talk to them, it appears that several people had been blindsided too. The bank people couldn't answer any question about what had happened. The phone number that they gave me was some company called Checkcard Debt. The people were rude and hateful and all I got from them was that I could no longer have a checking account because I owe another bank some money. I have never heard of another bank placing a hold on my personal banking account. I haven't even received a notice about payment of my account from the other bank. I was told that I would eventfully receive my money in about 2 to 3 weeks.

I have breast cancer and I have medical bills that I must pay or my treatment stops. This Checkcard company was allowed into my account and even though I only owe a small amount, they put a hold on all my paycheck. I thought that only the government could get my information and place a hold on my money. What happen to only holding what I owe and give me my leftovers so that I can live on? Who gave them the right, what rights do I have? I receive no letters, no calls, no nothing. All I get is some hateful person on the phone telling me to deal with it.

Only recently, I ordered some checks at the teller's counter. I received the checks in the mail almost a week before the account was charged. Naturally, instead of posting this transaction 2 weeks ago when the checks were ordered, it was only posted when the account had insufficient funds and obviously another $35.00 fee! I believe these practices by Wachovia need looking into and all customers with similar experiences be refunded or at least file a class action suit.

I explained that I was in desperate need of the money (single father) and by not honoring this check, they were putting me in a terrific bind. The branch manager was obviously unmoved and uncaring. I understand the bank must take care not to accept checks which may not be good. But to not honor a check written by them is nothing short of fraud. In the meantime, due to my check being held (something I never thought would happen), they will enjoy charging me $35 for every check I wrote before learning of the hold. I have phoned and written BOA over the past 24 hours and they have been completely without pity or concern.

Finally, we let the mortgage payments fall behind. When we were 3 months past due, Wachovia offered us a HAMP modification. After going through the process again and being told we were approved and that the paperwork was in the mail, we received a denial letter. Shortly after that we received a letter of pre-foreclosure. My wife is now employed again and we have called Wachovia repeatedly, as much as every day of the week to find some sort of solution to this dilemma. The last phone call we made we were told by Rudy that we could not speak to a manager and he refused to discuss our foreclosure with us. Wachovia has made it clear to us that we do not matter to them. Customer service is nonexistent. Wells Fargo and Wachovia are scam artists.

This is not all. Meanwhile, I received an email that if on 2nd February 2010 I pay 3 bills online, I will receive $35 within 90 days. The 90-day duration is over and I haven’t receive $35 and I paid three bills on 9th February. On the whole, I can say this is the worst of worst experience with Bank of America. And I am considering closing my account. This is all very frustrating. Don't ever be fooled by the misleading promotions that Bank of America runs. They are just scams to drag money out of customers’ account, you will never receive promotional incentive and will be misled by the customer care representatives including banning center associate.

Then my husband lost his job. This still wasn't enough hardship. Our denial letter stated that we did not prove enough hardship, really? We have proven time and time again to many different representatives that we cannot afford the payments based on salary and mortgage payment alone. Everyone agrees that we can't afford it, yet we keep getting denied because Wachovia gets their faithful payments every 2 weeks, without mentioning that we have never once been able to pay $1 towards principle and have about 40K in deferred interest. It's absurd! They get their money and they don't care if we never own our home. We have contacted an attorney regarding this issue because I have researched enough to see how many other families are affected like we are by Wachovia's poor business practice.

We had $200k down on our home and it is gone. We have negative equity and deferred interest. We have never been able to pay a payment that includes principle, interest, and escrow. I am suffering from severe stress and anxiety from the duration of time this has taken and the inability to have one person care enough to help us.

During all this, Wachovia put a new disbursement person on loan. When I asked her why were title searches not done before all the other four disbursements from loan account, she said they were! I said if they were done then why was money released before and not now? And why am I paying $100 for each title search now and never paid for any that were done previously before? And why was first lien not seen? She had no answer for me! Even the women at title company of our closing attorney told me after closing no title search was done by their office for Wachovia.

Wachovia would not allow any other company do title search for property so no one else could had done. When I read loan paperwork, it clearly says that a title search is to be done before each disbursement. I have all my emails of my questions and their vague answers. We fired the contractor. We found out he had a felony record, had served prison time. The kicker is he went to jail for writing bad checks and theft. All this happened prior to Wachovia approving him to build our house. By the time we got out of this mess, it was Oct of '08. From Oct on, we had started looking for a new contractor to resume building our house. Every person we presented to Wachovia they said no contractor could not be approved.

Our deadline for converting loan to a mortgage was January 31, 2009. Every time Wachovia did not approve a builder. They would tell us that they could not tell us why due to privacy. Only crazy thing is we gave them four names! No one could be approved. Then they sent us a letter saying because we did not get another contractor they might put our loan into default and try to foreclose on house. It took a family member who knew the law to call them tell them that is when they starting cooperating with us. We had to start giving them name of contractors who presented bids out of 12 contractors, two were approved. This is only because they had a new construction license.

At no time before when we were looking for a new contractor did they tell us they had to have a new construction license. As the first contractor who caused problems did not have a new construction license only a home improvement license. Now, since house is finished we cannot convert loan to a mortgage as now we do not meet Wells Fargo standards! House is not being appraised at the high quote. It was when Wachovia approved our loan so now we are living in our house not knowing if one day they are going to want to come take our home. They say they do not want to but why won't they convert loan to mortgage?

We are both working, have no debt other than house. Our credit scores are good. They have given us an extension until Oct 2010 but neglected to say what would happen then if housing market does not turn around. It just does not make sense to me for two people willing and able to pay for their mortgage to not be able to because of their mistakes. It is very stressful. I just want my loan converted to a mortgage so we can live our lives! I have to say since this has been happening, I have gained weight due to stress, constant fatique, my hair is falling out, hard to remember things, etc. I get depressed all the time! Economically due to wachovia not using the first appraisal we cannot change loan to a mortgage!

I tried talking to someone in the Boone, NC Wachovia but the guy they had me talk to basically told me to ** off. I have had to deal with the same guy before and he perfectly represents Wachovia in my opinion. He almost ** up last time I had to deal with him but when I caught it, he made sure to inform me that I was in the wrong before he fixed it.

After all these transactions, I am left with $443.94 then surprise! On the same day, I am charged $245 of overdraft/unavailable funds fee and left with $198.94. It is then that, on May 4th, six transactions go through my account: $300, $176.62, $39.99, $30.00, $20.00, $8.95. At the end, I have a negative $376.62 in my account. I am then charged (again?) $210 of overdraft/unavailable funds fee, for a total negative balance of $586.62. I called up the customer service phone number on their website and they invited me to go a branch and meet with Mr. Patrick * (not after the lady I talked to tried to prove me, how stupid I am!). So, I went to the branch located in Bethesda, to talk to Mr. *. Rapidly, the man tried to explain to me where the $245 fees were coming from, according to him, there were seven transactions which went through my account at the same time, I didn't have enough money, so I had to be charged for them. However, when I asked him about the other $210 he couldn't give me an answer, since the transactions I was supposedly charged for are the same in both cases.

Not able to give me any further help, he went to call the branch manager, who could determine "if I was going to be refunded or no." The branch manager was Mr. JP *. When he appeared, he went straight to the computer, didn't even bother to know how I was doing, or what was my complaint. After he spent five minutes or so between his computer screen and a calculator, he (finally) looked at me, and said, "It all adds up." I was astonished. I had the printout of the account in front of me and when I tried to explain to him what was my opinion, he told me that it didn't matter anyway, because I "overdraft" my account too many times. I don't know if because I have a lot of overdrafts in my account (for which I pay $35 per transaction! And I have had 99 the last three months alone!), that gives Wachovia the right to steal my money from me. I don't see what happened as something else than theft and when they hire people like Mr. * who are not customer oriented and don't even their job (he couldn't explain anything to me, his only justification being "too many overdrafts"), one can understand why they needed a bailout!

If I am relating my experience here is to let everybody know how theses banks, especially Wachovia Bank still from us, please if you are with them, check your account every day! The best solution will even be to close your Wachovia Bank account because you can't stay with a bank which is not trustworthy. If I can give you people out there a piece of advice, open an account with a credit union.

On February 21st on Channel 7 5:00 news, I became aware of Bank of America’s fickle practices and occurrences and I would like this situation investigated. I believe this is an inside job of representatives selling customers’ profiles or linking our accounts to bogus links to take control of our funds. This is serious and I need help to recover months of funds that were transferred out to inside transitioning.

All the time this is happening, the other teller stops what she is doing and stares at me like I'm Bonnie Parker! Then the Mexican guy told him to "refuse" the deposit. I'll bet he never questions illegal aliens about whose stolen SS#'s they work under. You can bet that doesn't happen. Now, I wonder if my son’s check will be void by the time he gets home from overseas or if they will "refuse" to let him deposit his own check. We are talking about a government check being deposited into an account that he and I both hold. If you are looking into choosing a bank to do business with, run, don't walk away from Bank of America! This is the sorriest excuse for a bank and yes, they need to change the name, because there is nothing American about this institution.

This happened today, but if the check is void by the time my son comes home from overseas, I don't know if the IRS will issue another one, not to mention he needs the money to pay his bills. I had to put the check in a drawer as they are refusing to let me deposit it. No Patriots at Bank of America.

Yesterday, they went into my checking account and removed my entire paycheck, when I called and spoke to a bank representative, they told me that they have the right to take all the money in my account and I was lucky they left me with any money. When I told them that I only make $1600 per month and I have a 4 month old infant at home they then proceeded to tell me I needed to go get a better job. I've never been told of a court decision to garnish my bank account nor have I received a letter telling me this was going to happen. The lady then got very rude and hung up on me. Could not cover my rent, electric bill, or provide food for my family.

I called the bank and asked for them to block the consumer, so that they would not be able to charge my account. They told me they cannot and that my account was overdrafted. And they allowed the company to charge my account. I was told that I gave the company my information and that it was not their fault. Not until I threatened to file a claim against them did they block the company from charging my account. I have been paying off bills like $500 to $700 in fees.

Unfortunately, when my husband opened the account, he didn't do his homework on the bank. I have called the bank countless times in an effort to get some of the fees refunded and I was told that my account is flagged and Wachovia will not talk to me. One customer service rep just hung the phone up on me. I don't expect to get my money back and I fully intend to leave this bank, but is there any way to stop Wachovia from doing this?

After 90 days, I received a letter saying the promotion would not be honored. I called customer service for help and was passed around to a few departments until an associate said he would resubmit my account to the promotions department and I should hear back within 30 days. When I never heard back, I called again and eventually was told I would need to visit a branch in person. On April 2, I visited the banking center at Flushing, NY where I spoke to Yuleisi and Omar. Both were very courteous and tried to help. They expressed surprise that the telephone banking rep sent me to a branch, as the branch could not offer anything more than the phone operator.

Nevertheless they spent more than half an hour with me calling various departments (including customer solutions and marketing promotions) at the bank to try to help. Eventually, no one could help and I was given the phone number for online banking. I called online banking and was told I would need to use the debit card and then call back again. I used the debit card and called back last week. I was told that my request would be fast tracked and I should hear back within 1-2 days. I still have not heard back and I still do not have the promised $100.

After I sent the above complaint to the Better Business Bureau, I was contacted by phone from someone who identified himself as being from the Bank of America "CEO's Office". All he said was that they had decided not to honor their offer and that the decision was final. I was forced to tell the caller that if this is the way they treat customers I can't continue to bank with Bank of America. I requested my accounts with Bank of America to be closed. I am still demanding they honor their word. I have contacted the bank by phone, email, chat, in person, Twitter, through the BBB. I don't know how to escalate this except maybe to a small claims court. I'm hoping Consumer Affairs can convince them to see sense.

I called Bank of America to ask them why the teller would put the check as pending, but tell the person I had no funds. They couldn't figure it out and all the representative said was, "Well, the money is back now." I don't trust Bank of America and how could a bank make such a mistake? The person I gave the check to still had the check in his hand. The bank never took it from him. It all seems quite suspicious. When the customer overdrafts his account, he is charged at least $35. We should be able to charge the bank for their mistakes! Don't bank with BofA! The person who did work on my house has still not been paid and it looks bad for my reputation.

They really are as bad as they say they are and my mother fought with them for months over a mortgage that was proven paid but one of their systems said that it was not. She is sick as well and they put her through the ringer. This bank should be broken down and demolished. Trust the Lord! I can't help my wife. She almost lost her home on their mess.

Also my balance was kicked back to my 4/14/10 balance of 120.07.

Everything that posted 4/15/10 was deducted from that amount and largest to smallest which also contributed to the overdraft fees. None of this was reflected on my online banking. This is ridiculous and misleading and I'm thinking illegal now. How can you post purchases to my account, show them as paid and then add another charge and decide to make that purchase negative because the last charge was the higher amount? Customer service refused to give me any kind of credit, and I was transferred to another department.

Was on hold for exactly 1 hour and 17 minutes and 32 secs before someone answered my call and the gentleman whom I spoke with was rude and basically told me that online banking wasn't a true record but that's not the banks fault, and I should keep up with my money better. Then when I asked to speak to a manager, he refused to transfer me to anyone else and told me that I have exhausted all other means to get the problem fixed and have a nice day. So, I have bills to pay and I'm out 175 dollars because of Wachovia.

Apparently, there is only one person in Winterville, North Carolina that can endorse it. Now, we have to wait to get the car back until the check is returned with the Wachovia endorsement.

They continue every months to charge me even after I complained monthly about the charge. Eventually, I close the savings account.

Then, they continue to charge me a fee even after the account was close. I had to go the bank to rectify their mistake. I could tell you so many, many other times I had problem with them but the reason of this complain is for the letter I received yesterday.

Few years ago, I reopened a savings account, (my stupid fault!) And again, I got more problem, so I decide to close it again. Again, they have been charging me every month, even if I close that saving account, November of 2009.

Yesterday I receive this very scary letter, frightening me to destroy my credit and my working relationship with any other bank. I am so tired, of their lack of professionalism, and sloppy bank work. Here is part of the letter:

Our records show your account has been overdrawn since 01/06/2010, and your current unpaid balance is $14.29. It is urgent that you make a deposit to your account for the full overdrawn amount plus any service charges incurred subsequent to this notice. If this deposit is not made, your account may be closed. If your account is close due to an overdrawn balance, it may be difficult for you to establish a banking relationship elsewhere and we may take the following actions: report to checxsystems, inc,that your account was closed due to unsatisfactory handling. This information may remain on file for up to five years, even if debt is fully paid in the future since chexsystem, inc, is an account verification service used by most financial institution, this report may prevent you from establishing an account at another financial institution.

Refer your account to a collection agency to pursue collection, any balance owed may be subject to a collection fee and/or interest charge. I do not know what to do anymore.

I called to ask if I could change my pay week and they said yes, but wanted to charge me $150.00. And then, because I paid bi-weekly, eventually the dates would fall back to before, which was no big deal for me, because my pay weeks at work would follow along too. I didn't pay them $150.00 and I tried to keep current but it wasn't doable.

So they started to try and take the money out of my account every other day until they got their money and they would charge me $25 more each time and the bank would charge me too. Finally, I was paying them an additional $150 a month in overdraft! I closed my account! I started paying them monthly until times got bad and I fell behind. I went to try and work with a community development center to avoid foreclosure. They worked with Wachovia, came up with a work out plan and then everything fell through.

I have been going back and forth with these people for almost a year now. I have never talked to the same person once and everyone I talked to told me different information. I was running around trying to get things they needed like a fool! They never had their notes straight, and someone even told me that the department I was trying to reach didn't exist although I had just talked to someone in that department two days ago!

Some of the representatives were great, and some were extremely rude! I even had one laugh at me when I asked to speak to his supervisor. Needless to say, after 11 months of back and forth with them, they call me today to tell me that my "Home Affordable Loan" has been accepted, and now my payment will be more than I pay now. How does that work?

Our banker was very nice and helped look through our statements to find all of the payments we made to BOA home loans in the last year. We made copies of everything and came home to call BOA. When we called BOA, they were so very rude and kept telling me to "shut up" and let her explain it or she was going to hang up on me. I tried over and over to just listen but the lies coming from her mouth were hard to ignore. They insist we are in some sort of mortgage modification program. I asked them to fax us the documents we signed approving this and I was told they don't have any. I then asked for a transcript of the conversation we had about this. Again, they had none.

Of course, because we knew nothing about this at all ever. I asked why we were put into this program and what has happened to the money we have sent them every month and she told me it was put into a special fund when you are in the modification process and nothing is applied to your loan. So again I asked, "Where is my money?" She never gave me a direct answer. After a very long conversation, she rudely said, "Fine, you don't want to be in this program, you can pay all your late fees and have your home taken from you. I don't care."

I'm finding an attorney. I can't believe this is actually happening. I have solid proof that I have paid them on time each month. I'm confused on whether or not to send them next month's payment. What are they doing with my money? Has anyone else had this happen? Our credit it literally ruined because of this. Now that I think of it, it was a few months ago I got a letter from Chase telling me they were closing my credit card because of the risk. I didn't really get it. I just thought we had too much open credit and it was a card we had not used in probably five years or longer so I just ignored it and threw it away.

While looking at my credit report today, I see many others have followed suit. Is this fixable? What type of attorney do I even look for? I can't imagine how I am going to afford to fight such a big corporation. What do you do if you can't afford an attorney to fight them? I feel like we are so stuck and I am just at a loss. We can't even finance our own vehicles right now. How are we going to get to work with no cars? I am insanely freaked out.

deposit was made before 11am.

I don't know what it feels like to be mugged or raped, but this must be the closest thing to it. Those overdraft charges put me in a very hard position, and I feel like Bank of America and many other banks are operating with the morality of "loan sharks." I'm extremely disgusted with your practices.

Is it legal to take money out of an account when no check has been presented? Is it legal for the bank to keep the interest earned on the money while being held in the holding account? I have incurred 9 nsf charges at $35 each due to this practice. The bank is taking my money out before my landlord has deposited the check. What can I do other than switch banks?! Bank of America has just gotten away with so much of my money that I am really sick when I think about it.

I closed the account and reopened another alone. I have asked repeatedly for a printout of the said account to find out why someone would do this. I have been in 4 times to see John B (Assistant Manager), inquiring into getting those printouts or instigated who did this. I have written 3 letters to customer service, to no avail.This process has been going on since January. It is most embarrassing to be told you cannot have your money. I felt that they are not taking any notice of me. I would like to know the reason why there was a notation on my account.

A few years passed, Brandon left for college in Columbia, South Carolina. He went to Wachovia to open an account and was told he could use the old account that was, so I thought, closed. He was issued a card to the account and began to use it and picked up his old habit of overdrawing again. To no avail, money disappeared from my personal account again and insufficient fund notices were coming daily, it seemed.

I visited several banks speaking to all who would listen and brought the account to zero balance on several occasions, while at the same time asking Brandon to stop using the account. He had pending transactions which forced me to constantly take money to the bank.

Finally, I threatened him to discontinue use and send me the card. At the Lauderhill branch, a teller finally listened to me after at least two weeks of daily visitations to multiple branches and closed the account. In 2007, I applied for another account with a company and was denied because of the Wachovia charge of over $900 which was posted on my credit.