Bank of America Reviews

$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.

Not only that now the debit card purchases I had for $5, $4, and $2.82 were now bounced. The bank used to state that they only backed out smaller debit charges and took larger payments because the larger were probably mortgage payments. Well, I have also had charges of $120 and less backed out. Never have I seen anyone today with a mortgage today for those amounts unless they lived in a shed or a dog house. I have complained until I am blue in the face. They have gotten so ignorant now that they just say we can "offer" you x amount of dollars out of the money that they know they stole from powerless victims. I can't leave because I have to give Social Sec 30 days notice to change banks and it must be after the check deposit date.

The dept. took our information, told us we needed to close our current account and they would let us know the status of our claim within 2 days. It took about 3 hrs. in the branch to report our claims and open a new account. Later that same day I received a phone call from Crystal *** in the fraud dept. informing me that none of the money will be returned because the first check was cashed more than 60 days and the current check that was cashed on March 16th was from the same company. If the check that was cashed on March 16th was from a different company they would have considered our claim. I was not on the account on November 16, 2009 and reported the bogus check to BOA as soon as I became aware. BOA has treated my father and I as if we are crooks. My father is 77 years old and on a fixed income and in addition to paying $900 for the bogus checks, the amount of overdraft fees he has paid add up to $210.

Wachovia has put us off for many months before they would even discuss modifying our home loan. We have kept records of our calls, and folders 5 full of documents and notes, of our staying in contact with them. They have lied, mislead us, given us false and wrong information and flat out told us more than once they have been deceptive. They claim to always lose our papers, faxes etc. many, many times. They continue to have our modification cancelled because they say we did not many times provide the information/documents which we have proof we did, certified mail and faxes confirming they received over and over. But they never say this over the phone or tell us they need anything else they send out another letter to say, "Sorry, you've expired you didn't provide us with what we needed again."

We were told not to pay our mortgage payments, so we would qualify but later told they were going to foreclose due to non payments, but we were told this so we would qualify for the modification program. Again, we are trying our 5th time to provide everything they need but they always have an additional excuse or lie of something we did not do, which is untrue. We call in at least once a week even though they say we don't need too. We know they just want to take our home. Its value is way down from what we mortgaged but they want it, we can tell. They are very very difficult to work with. I have cried many many nights just trying to provide them with more and more and more, it's never enough. Then they also say they send us letters or call us. Well, the only letters we received are when they say we didn't provide them with something and they are cancelling us for non-compliance of providing them with documentation in a certain time frame.

We have received one phone call on the modification only because we gave them a phone number no one can miss calls, so they wouldn't have an excuse to say they couldn't reach us like they continually do. They continually say they did not receive faxes 20 to 24 pages even though I fax them over and over and I have confirmation pages. It's always something and no one ever knows what the HARP programs is or is about. Very uninformed staff who don't have a clue what they are doing. Very, very hurtful as a tax payer that at a time when we are barely above losing everything like so many unfortunate others that as we play by the rules and go out of our way to provide everything requested, we are treated so very very poorly. We bailed the banks out of their mess and this is how we are paid back, it just doesn't seem right. It's not as if we are asking for a handout or charity we did not ask for the economy to go downhill, my husband and I have been hard workers throughout our lives and this is the way we are treated at a time when everyone is just trying to survive and help each other to get by. Thank you for your time and consideration.

Now this branch and the online service have told me they have been "delayed purchases that have not processed through my account and when they go through, that's when I would get the money deducted out of my account. This in general defeats the very meaning of a debit card. I don't think this is right and this "delayed purchase" is just another reason to charge us, hard working Americans. I was charged a disgusting amount of $350 of overdraft fees.

What a crock! They do it so they can get money from me. Yesterday, I deposited another unemployment check for $600. They "held" $500 but since I had only $489 in there, the hold on my $500 makes me overdrawn! I am now -$24.34 in my account. How in the world can that be right? Now, I am sure they are going to charge me another overdraft fee. I write to them and they say they don't see where I was charged a NSF fee!! I wrote back, gave them the dates and haven't heard anything back yet. I believe they are moving the money around in the account to make it look like something didn't clear so they can make money off it.

He had complained right away about a severe headache, dizziness and tasting a burnt "flavor" in his mouth, as well as, smelling a burnt sort of smell in his nose, nausea and blurred vision. He was taken to the ER by his father and they ran all sorts of tests, gave IV fluids, documented the incident and sent him home., referring us to see his medical doctor within 24-48 hours. Since that date (March 2009), my son has suffered from migraines, sleep problems and some memory issues.

His education felt a huge impact with having missed a number of days of school and arriving tardy because of bad sleep or migraines the night before. He is just barely getting by in his studies and regrettably the teachers are not compassionate to the situation at all. When contacting the branch manager for the location advising him of the incident, I was grilled as though I was attacking him personally, called all sorts of names and promptly hung up on.

Last month I called the BOA and asked if they had cameras on the front of the building, because I needed to see tapes for an incident that recently happened, without telling them who I was. The asst. mgr., told me that there are no cameras that face the front, only cameras that observe the ATM and the drive up. This is contrary to what the lawyers for BOA say in their correspondence to my lawyer, saying they have everything on tape and that I am being untruthful.

Keep in mind, within 48 hours of the incident, I took pictures of a contractor digging up the lawn and burying wires etc. along the walkway where the whole thing happened. Needless to say, a suit has been filed and an outcome will be a long time coming, as they will do whatever they can to avoid liability. BOA refuses to accept responsibility for the hazard they created. A healthy vital teenaged boy's life has changed forever and they don't care.

Keep this in mind, all that money and tax payers sacrifices done in the billion dollar bail out bill, and the next time you pay a fee for moving any money or paperwork at Bank of America. BOA being one of the biggest recipients of the billions. Greed drives this banking institution. Medical bills, loss education, dramatic change in lifestyle and altered future plans.

When pressed for an explanation, a Bank of America customer service representative gave me at least two different responses, including (1) "Debit cards can be tricky; sometimes they will authorize charges less than $100 even if the funds for such transactions are not available" ; and (2) I authorized the transaction by authorizing the merchant to charge my card. When I inquired if the authorization referred to in the first explanation was due to some back-end protective measure employed by some banking institutions. I was reassured that no such protective measure is present on any of my accounts.

In regard to the second explanation: yes, when I provide my debit card to merchants, I authorized them to charge my card, but Bank of America is responsible for determining if a transaction can be authorized and paid based on how much money is in my account. Furthermore, financial analysts and experts have recently extolled the one significant benefit of debit cards versus other payment methods: debit cards do not allow an individual to spend what he or she does not have, thereby avoiding potentially unmanageable credit card debt and/or exorbitant bank fees. While I have more than enough funds in my other accounts with Bank of America to cover the transaction in question, I am simply appalled that this has even happened. I reminded the representative that Bank of America is one of the institutions that received billions of dollars in tax-payer money to prevent its financial collapse, yet this is how its customers are being repaid. Quite frankly, Bank of America should be ashamed.

Well, that turned into several months. I applied to this program and was told that I didn't qualify because of the type of loan I had, but if I call back in a few months yet another program would be available I could qualify for. So I wait several more months. When I finally talked to someone about this program, they tell me that I don’t qualify because I have a PMI! Meanwhile, my payment jumps up again. Over the years my payment was increased from $986 to $1127 per month.

I feel that BOA is a rip off and they have no business in the mortgage business. I have talked to over 20 different "agents" and have probably 12 different telephone numbers and they never know what anything about my issues--either I am calling one department and they have to transfer me to another, etc. Then they won't let you talk to someone in the branches. I can almost understand why given the poor service received. Now, I am experiencing a hardship on the above referenced loan due to a job loss. The mortgage was difficulty to manage even before I was laid off and I have asked on a number of occasions for assistance.

I am in the loan mod program and have a trial payment while they review my information to determine if it can be permanent. I ask, "How long will this take?” They tell me anywhere from 4 months to a year. Up to a year? Yeah, right... I've lost $500. I feel I've been lied to by the "specialists," given the runaround by them and stressed out by the lack of professionalism and training BOA provides their employees. I’ve heard from a couple BOA employees mortgage that they left the company due to some of BOA practices. Don't know if that's true, but I certainly believe it.

I am receiving social security every month. This is the only income that I have to live on for the entire month, and I cannot afford to pay excessive bank fees. Wachovia has threatened to take over $200.00 in overdraft fees from my checking account, because they claimed that money was not available on the day that I made the purchases. I made the purchases on the same day that I received the check, so I know the money was in the bank.

I spoke with Tonya ** at the Wachovia office located in Charlotte, North Carolina, zip code 28262. I explained to her that I am living on a fixed income and can't afford the expensive overdrafts fees that Wachovia is attaching to my checking account. I have had this problem with Wachovia before where they will continue to pay for purchases even if the money is not in the account. I have asked them not to pay for purchases if there is no money in the account to avoid overdraft fees. They are claiming that I overdrafted in the amount of $200 when I have receipts that the money was in the account and set aside to pay bills.

On February 3, 2010, I withdrew $500.00 from Wachovia and left $141.00 for bill payments. One week later, on February 10, 2010, Wachovia claimed that the account went into overdraft in the amount of $200.00. If this was true, what happened to the $41.00 remaining in the account, because there would still be a balance of $41.00 to cover any overdrafts?

When I spoke with a representative, I was told the funds were on hold for three days and this caused the overdraft. I asked her to go over each purchase with me to explain that when added together, they did not cause the account to go into overdraft. She would not go over the purchases with me and told me she would send me a list. I have receipts of every item that I purchased, and the account could not have gone into overdraft.

I would not let this account go into overdraft, because I cannot afford the $35.00 fees. Something is very wrong, and I am afraid that Wachovia will take $141.00 from my checking account for no reason. Please help me, because this money is all that I have to live on every month. I cannot afford to give Wachovia $141.00 of my social security check to Wachovia. I want one half of the $141.00 Wachovia stole from my checking account and for them to stop holding on to money in my checking account that I use to pay my bills. Thank you.

When I asked that they honor their guarantee of paying late fees if the payment was not received as promised, they refused saying I chose a date that was actually not a due date but a grace period date. I should be paying my bills earlier, etc. like it is any of their business. They did not deliver as promised and now refuse the late fee because I should have paid it on time and not during a grace period. I have banked there for 23 years but this is the last negative experience I plan to have. They are arrogant, cocky and unethical. Another episode is they changed the monthly savings account statement cycle to 36 days and then tried to charge me $9 because I had 7 transactions rather then the 6 they allow. 36 days! It is very unethical but at least they reversed that error.

My initial disbursement took 3 weeks and many telephone calls with a different story given to me by each representative I spoke with. That Disbursement was roughly $7,800.00 and the check was payable to myself as well as 3 other parties, causing me to then have to have the check endorsed by my equity line lender in 2nd position (located in Ohio) the public advocate firm I hired to represent me with the insurance settlement and my fiancee.

Shortly thereafter, the majority of the work was completed. I reached out to Bank of America requesting an inspection and another disbursement. On March 8th, an inspector (hired by Bank of America) came out to my home and confirmed in a written report to Bank of America, which they acknowledge receiving, that 99% of the work was complete. It has been almost 2 weeks since I made the request for a disbursement to pay the contractor.

Bank of America has advised me that they have disbursed via US Mail $35,000.00, on March 11th. After calling their insurance department, I am again being told a different story about the check from each representative I speak with. Simply, I need this money to remit payment in full to the contractor. For some reason, the BofA is restricting me from the use of my money and will not release it to me. I have about a 50% equity interest in my home and while I appreciate the banks policies, I have respected their rules.

Bank of America is not respecting my obligations. Bank of America has become a hindrance in the process and they are placing me in a position with the Contractor and the Sub Contractors of placing a Mechanic's Lien on my home if payment is not made to them. I cannot seem to get assistance or the truth from anyone within the Property Claims Division at Bank of America. I need someone to advocate on my behalf as a consumer.

Bank of America robbed me in my face and did not even use a gun. I want my money back. How dare they switch banking as we have known it for centuries around for their selfish greedy thievery. That is exactly what it is- Thievery and they should be held responsible. The parties who concocted this thievery go to jail as any common thief, have all their assets taken away from them, live on parole with no money or job when they get out and see how it feels to be poor and have your food money stolen by the bank you trusted to keep your money safe. Also most definitely BOA must return all the stolen money back to the people that they stole it from. They are nothing but thugs and thieves and should go out of business paying for their unforgivable crimes.

I am 53 years old with an extreme heart condition and because of Bank of America could not afford utilities and food. My life was already sad enough. Try explaining to God why you stole the poor peoples pittance for your greed. I used to dream about a glass of cool-aid. I could not even dream of eating food by the end of the month- just a drink of cool-aid or a Dr. Pepper. I consulted SSI and was enrolled in their direct deposit mastercard which cannot go over its limit. I had begged bank of thieves to not let my ATM go over its limit. They told me it was impossible to stop it when the money was gone because of electronic banking. Malarkey! If I tried to withdraw $20 out an ATM machine, it sure stopped me! Banks are crooks! Hold them accountable for their thievery and robbery or the public will be up in arms and take care of it for us!

I explained to them that as soon as one transaction posts, another comes in and once again, I am unable to close my account because of the new pending transaction. I asked them to stop all transactions from coming in but they refuse to do so because as long as my account isn't a zero balance, they can not freeze my account. So, they claim they cant' stop anything from coming in to my account. Meanwhile, I am being hit with unauthorized transactions plus overdraft fees that I can not cover because as soon as I cover one transaction, another ones come through. All I want is to close my account or change my account number but they claim they can't do that until there are no pending items on my account, but there are pending items almost everyday and I am unable to close my account once again. I am the customer and if I want any transaction to be rejected, I should have the right. After all, it is my hard-earned money that they are taking. I just want the bank to be more helpful instead of having to file a claim after claim.

They consistently call me at my place of employment and the most disturbing act was just received yesterday, March 11, 2010. My employer received a bill addressed to them for my loan. My loan is a personal loan and there is no co-signer. The bill did not say c/o Kevin so it was opened by accounts receivable and needless to say, very inappropriate and unprofessional. The loan amount due the 28th of every month is $424.33. I have not had a very strong payment history with on time payments but have always made payment and paid all late fees.

Currently, I owe a past due amount of approximately $250 with the current month's bill amount of $424.33 due on the 28th of March. I have tried to contact the company along with my wife to set up a full amount payment of both past due and current due for the 25th of March and as customer services says that is okay and they will note the account. I am always then transferred to the billing department and they refuse that payment saying I owe it now and harshly threaten and harass.

I called them up and filed a claim and they reversed three out of the four overdraft fees. That same day, I went and deposited $800 in my account. The next day, I see that there are four more overdraft fees there even though I have a positive balance. Their explanation is that some transactions didn't post to my account earlier and that is why those overdraft fees are there. So in total, there are five overdraft fees related to my account even though I have a positive balance.

My complaint is that why weren't those transactions that caused my overdraft shown in the pending section of my account before? And how am I supposed to know that there is a negative balance if it doesn't show on my online account? They have all kinds of explanations for the overdrafts. But I have been cheated off a lot of money for what I believe is their fault. If I have overdrawn firstly, my card should not have been approved for further transactions. Secondly, if there were any pending transactions, they should have shown in my pending section of my account. Because of this, I have been charged over $170 in overdraft fees for something that was not my fault.

Why do they have the online account feature if it is not accurate? They should at least warn the customer beforehand that the online account is not accurate. I was not made aware of any such mishaps. I don't know what to do now. I'm broke and no money to eat.

He tried a couple of times to make the deposit, but he couldn't get into my account because it was an out of state deposit. So he calls the manager over to authorize his transaction. He finished the transaction, which I even confirmed with him the second time before he gave me the receipt. When he handed me the receipt, I didn't remember checking the amount on it. I just remembered looking at it real quick and put the receipt in my wallet. When I returned to Seattle the next day, I logged on to my online banking account and it showed that I made the deposit in the amount of only 700.00 dollars. I got really scared and started looking for the receipt that when I had realized the amount on the receipt was 700.00 dollars.

In tears, I ran to the Bank of America in South Center Mall asking for help. Rachelle helped me contact the bank manager over in San Jose. They told Rachelle that they remember exactly who I am and that the teller said I only made 700.00 deposit. To me that is impossible to remember a client after a couple of days. Rachelle and I requested a review of the video, after 3 weeks of waiting. Today I received a phone call saying that it doesn't look like I made a deposit of 2700.00 dollar. I asked her how come you didn't look at the angle of the screen where the amount was shown when the machine counted it. She said they didn't have that angle.

I asked her, "You said you saw me counting the money. Why didn't you zoom in and look at my hand movement when I was counting the money. 2700.00 is a big difference from counting 700.00". She couldn't answer that question. Now I'm currently waiting for them to transfer the video over so Rachelle can review it. I really need your help. 2000.00 dollars is a lot of money to me. I only make a thousand a month, i cantnot afford to lose that money. I have no one else to turn to.

They mentioned a MRC program had helped miss up things; we never heard of it and do not know what they are talking about, just that it sounds like it messed up maybe up to 150 people's payments together. As of the last 5 days, they will not respond at all. They will not answer emails or return calls. I have dealt with over 27 people with this issue, still no help. The only helpful person was Bob in collections who gave me Jose number . Our credit is ruined and they are trying to foreclose on 2 homes that we have made the payments on. Please help! Thank you.

At that point, I started to make inquiries and my former accountants stated that they never received the original check, hence, never paid the original penalty. I then approached Wachovia for proof that the check had been cashed, as the amount had never been refunded to me. Despite several demands, all Wachovia would say was that they were using a different bill pay vendor in 2005 and could not produce a copy of the check. I then approached them to request that, at the very least, they refund the original debit to me. This request has been totally ignored to date. I feel treated very unfairly and I am determined not to give up!

After years of pursuing the matter, I am still out of the original $4,296.49 and a further $5,534.88 which I had to pay in 2008 to settle the outstanding penalty plus charges etc. It's hard to quantify the anger, frustration, disappointment that I felt and endured these past years over this issue. I am sure that, at times, this has affected my physical health and well being too and has wasted a lot of my time which should have been better spent.

It only took them 12 hours to freeze my account. When they received the legal documents that the freeze was reversed from the attorney that requested the freeze, all I got was it will take 48 - 72 hours! Funny, how quickly they froze the account but not willing to react as quickly to reverse the account. On top of that, I have received three phones calls a day to pay for the fees since it showed my account was in the negative, even though I kept telling them this was going to be reversed. I continued to get calls to pay for the fees. At one point, I was told, "Well, I will note that you refuse to pay for these fees."

Our realtor, Sue S, was working with us and trying to work with Wachovia to get an offer on the house. We had two offers that were submitted. They never negotiated with us on the first offer and in fact when the realtor called to follow up with them, they always had an answer as to why they could not respond. Something was always missing from the paperwork that was turned in to them or Sue did not have permission to negotiate. This was established immediately with her. So the second offer came across two days ago and this was also faxed to them. Our date of foreclosure was March 3, 2010. They never planned to negotiate with us and went ahead and bought out the property from under us and those who wanted to buy it.

This has been a grueling process. We filed and settled in September of '08. I think it was and ever since then, we have had nothing but trouble since. Even our attorney was a ***. I'm so fed up with bureaucracy crap and the big guy taking advantage of the little guy. What about us? We get no help or guidance even our Chapter 7 I had to do and guess some of it, we were lied to and not told stuff we should have been told. I thought once you file on your house that there is no more negotiating and then when we did try because we thought it was the proper thing to do to save something about our credit, we get screwed as always.

When I look at the calculation, there are no other parties involved that is due a refund. The calculation is as follows: According to their letter sent to me, I was supposed to receive this surplus. However, they are refusing to return this money to me.

I am trying to contact the mortgage division to see about reducing that amount. On top of all of that, I had used their automatic payment deduction and have had not one, two, three but four times payments taken out, leaving me with a negative balance in my checking account. Even after writing to them, email of which I have always have up to this past year and gotten a response within 48 hours; this time, there was no response. I have taken my mortgage off of the automatic payment but the other accounts are still there. There have been months in which I have had $50.00 to last through the month and I haven't even gotten groceries. I make certain that house, insurances, utilities are paid first and have always made certain that accounts have been paid but now, it is a struggle to get other accounts paid.

I will not do bankruptcy and that is just not an option. I need some other options particularly if the three accounts can be reduced. I can manage with the others. I also have student loans from graduate school that I am completing this May, plus, one from 30 years ago that I paid off the earlier ones from that time. I am using a car title place because at the middle of the month, I have little or nothing and still have bills to pay. That is not something I wish to do either! My car has been paid off for years! Also, I have emergency room bill, that thank goodness is not over a thousand but still at over $400. I have to make payments of $60 to keep from going into any collections!

I have contacted an attorney this morning and as stated earlier, I simply will not lose my home!

After she passed away, I got them all but always a problem with them coming up short as their balances was not the same as mine but continued to use them. But when checking out the statements that were mailed to me, they were perfect but always were short from and 2.00 to $5.00 per month short or more or give or take. Then after closing out the accounts, 3 of them and closing out the CDs, we had 1 account with them and it even came up short on money after confronting them and asking why? There were short every month. I was informed that it would cost me per hour to audit my account being cheap as I am. I said no way but was informed they did not make mistakes it had to be me. So we started keeping tally of the amounts shorted monthly as it came up to a lot of money over a year.

So my wife and myself had built up a nice surplus of money as we wrote a check for an amount to get dog food and guess what, we could not get that amount of money from our account. We had to put back into the account X # of dollars to keep them from an over draft fee. At this time, we decided to change banks as I had a personal account with another bank and it checked out dollar for dollar every month for about a year and a half. So we changed to another bank and for the last few months, it came out perfect dollar for dollar.

As we made arrangements with this bank for direct deposit of our checks, then this month without notice they started charging a service fee for a free account as their website so states but in the small print just added there is a fee when no deposits are made by direct deposit. Now I am being charged for this open account not being used as it has been only one month no activity. Now I owe them about $9.00 service fee but was told by Social Security to keep this account open for any errors so they could make sure it was deposited in my new account. As this is the facts I owe them after years of them taking my money from me and my wife. So guess what, it will be closed as of today 03/02/2010 and I will never recommend BOA to anybody. I am through with them and won't go back after them after getting taken for 100s of dollars over the last 10+ years.

She got upset and started being very arrogant. I asked to speak to her manager who did not even listen to what I have to say and just told me he is not there to talk about her way to address me but since my name is not on the account he can't waive anything for me. Well, 2 days later, with 25 days late, they repossessed the car. The only reason she did that was to prove me that her job gave her power and she doesn't have to be nice, arrogant should do it.

Ten business days passed and a debt collector kept calling multiple times each day. I am a resident physician working crazy hours and can't be distracted by these harassing calls. I talked to multiple people and explained the situation. They all had no idea that I had ever spoken to anyone before. I emailed Wachovia to ask about the results of their investigation and was never given any answer, except that I needed to call. I explained that I was busy with patients and would prefer email correspondence anyway to have a record of what was being said since the first email promises were already not true.

Not only did I never get a response to this request, but Wachovia completely blocked my online access to my account. I asked in the original email for a payment plan if they were not going to reverse the unfair charges because I'm on a resident salary and cannot afford it. That request was never addressed. Now my account is in collection. This is absurd. I've been in constant communication with Wachovia, but they refuse to provide any information or payment plan.

Instead of clearing payments they hold them, sometimes for several days, and they call them "pending transactions". Then they wait for other higher charges to come through. When this happens, they will clear those higher charges and then process the lower charges, and often times, this creates a deficit and will overdraft your account. If you have money in other accounts or a savings account, they will freeze those accounts and not allow you to use or withdraw any of it unless you use it to pay their fees and get the negative account into the positive. So you could find yourself with an unexpected negative balance and be frozen out of your accounts unable to get any of your money.

Right now we are in the middle of this nightmare, which we have seen several times since opening up accounts in 2005 and 2007. We were paid on Friday, January 29, 2010. We had plenty of money in the bank and that day, the 29th, I paid several bills and then that weekend we bought groceries, and made several small purchases. Our account online looked in order and the "Balance" and "Available Balance" were correct because all the purchases we made were now gone from the "Balance" and showed what was left in the "Available Balance", which was in the positive. When Monday, February 1, 2010, came, I planned to deposit more money into the account to cover two car payments that were going to be coming out that day.

When I went to check the online balance, I saw that they had cleared the two car payments, which were supposed to clear Monday, and they used the money that had already been reserved (or so I thought) from the payments and purchases we made on Friday, Saturday, and Sunday. Then they proceeded to overdraft five of those purchases at $35.00 each. Later, in addition to that, they added another $35.00 fee called an "Extended Overdrawn Balance Charge" because the account had been in the negative for 5 consecutive business days.

We would love to close our remaining account and leave, but we are stuck there. Because of one of the many times they put my account into the negative with overdraft fees and it snowballed from being a manageable amount to an unmanageable amount, I was unable to get caught up. Then they started to charge me an additional $35.00 for "Excessive Overdrawn Fees" when my account was in the negative for 5 consecutive days or more. Soon I was unable to ever get caught up and pay my rent and bills and buy food and gas. I had to stop depositing money into the account because it was just getting eaten up by their fees and I needed to pay for basic necessities and rent. They eventually closed my account and then reported me to Chex Systems.

Now because of this I am unable to open another bank account anywhere and am a prisoner there, unless I want to have no bank account at all, but then how do you cash your checks and pay bills like a normal person? You can't without a great deal of hassle and the danger of having cash in your possession, which is risky and unprotected. But really, what's the difference? It can be stolen by some random thief or it will be stolen by the bank you are supposed to trust to keep your money. Not rob you blind.

My story is just one of many exactly the same and this issue with the banks using computer programs to overdraft their customers’ accounts has to stop. They have literally stolen hundreds and hundreds if not thousands of dollars from my family. They refuse to refund the money and they continue to practice this fraudulent scheme year after year to hundreds of people without consequence. The Internet is loaded with stories exactly like mine. I have been talking to people at stores and other places of business and have heard the same story from many of them about Bank of America and a few other banks that are doing the same thing to their customers.

These banks squandered billions of dollars away on who knows what and then needed to be bailed out by the government. They created the sub-prime lending schemes to make money and we all see how that turned out. Now the country is in turmoil and the economy is in the gutter and people are suffering because of it. Now they add insult to injury and steal from their customers by creating this overdraft charge theft scheme to make money. Why is this legal?

Unknown to me, the money was transferred from my mother's bank account. The Social Security Administration notified the bank of the death date and instructed them to return any funds deposited after her death date. I did not have access to my mother's account. On Jan. 22nd, the bank reached in and took the balance in my account which was less than 30.00. I did not receive written notification of this until Feb. 4 and the letter, although supposedly generated on the 22nd, was not postmarked until the 26th.

On Jan. 25th, the first day the bank was open to find out why there was a hold on my account, I spoke with Alisha at the reclamation department and she explained why the money was taken. She told me that I was liable for the $200 that I benefited from my mother's social security. She assured me that no additional funds would be taken until after this amount was submitted to the Social Security Administration and they returned another request.

She also advised me that although I was liable for the total amount of $200, but that they would work out payment arrangements with me when they heard back from the Social Security Administration, which would be 60 - 90 days and she stated we aren't that mean. I advised my sister, who is the executor of my mother's estate and the only person with access to her account, of the situation. She contacted the Social Security Administration and was advised that they had no information and to contact them when they received the money taken from my account and they would make arrangements with her to repay the rest.

On Feb. 4th, I received their letter, called the bank, and spoke with Talit. She advised me that they had no choice but to take the money, but again I was promised that no additional funds would be taken - yet. On February 5th, the bank took $200 out of my account, thus reversing the promise made to me by two both Alisha and Talit. They both lied to me.

Also, the first $100 was transferred before the direct deposit made on Nov. 3rd, so it was not a part of the deposits referenced in their letter to me. Talit advised me that it didn't matter because the transfer was made after her death date, which is not what the letter indicated. This is just plain wrong. They reached into my account and took my funds with no notice. I was not notified of this issue by the bank until after the fact. They did not allow any opportunity to work out the matter with the Social Security Administration or with the bank.

They broke the promises made to me by two of their customer service representatives. They held me responsible for funds that I had no access to other than what was transferred by my sister for the express purpose of making it possible for me to attend the funeral. I was not aware of where those funds came from, nor was they any reason for me to question it.

They took my rent funds, pushing me to the edge of homelessness. I had to ask for help from my church and take a distribution from my 401K, incurring penalties. I lived in constant fear that they would take even more money to cover funds that they said my sister is responsible for. I closed my account and took my name off the joint account with my husband so that the bank has no access to my money. Closing accounts and changing banks is a tremendous inconvenience, but my financial safety was at risk with Bank of America.

When I called the following day, I was told a different story. I talked to three different representatives who all said that the fees were my fault, that even though overdraft protection had kicked in, the computer that handles overdraft protection hadn't recognized the larger amount of overdraft created by the pending fee taken out twice and that no one in the bank would refund the fees for me, regardless of what the first representative had told me.

The final representative I talked to, Desiree **, assured me that the bank would rather take the loss of my business than refund the fees. I asked her if she was prepared for me to make this situation public by contacting Consumer Watchdog and the Better Business Bureau, she answered with a weaker "Yeah..." I then said, "I'm sorry that the bottom line was more important than maintaining customer satisfaction," and ended the phone call.

As soon as all transactions clear, I will be taking all five of my accounts to a competing bank. The $140 that was taken from our account will prevent us from buying groceries and other necessities for the rest of the month.

There were customs in there, and the cashier was very rude. It doesn't matter. They are just rude. They know me by name. I also have overdraft protection, and I get overdraft, but I get charged time after time, instead of getting it out of the other account. Why am I saying so much more? Something needs to be done about their rudeness. As I was walking out, this lady stopped me, and told me that she was looking 4 another bank, because of their rudeness.

Bank of America in my husband's word is the devil. I cannot decide if Bank of America knowingly sucks you in by offering superior customer service, which no one wants to help you and many locations to make it easy. Bank of America is the hardest to get any credit with and they will take money from the people who don't have it. The overdraft was a total of $41, I was charged $140. This is why people don't want to use banks and keep them in the mattress. As an employee, they have continued to make you work harder for less compensation with less appreciation. I took a Leave of Absence last year and that was the worst experience. I have worked for this company for almost 5 years. It is not like I decided to just take off.

I do know that is not BoA's decision regarding my approval of paid leave, however, towards the end of the year at Christmas, I received 2 letters: One from BoA saying that I owed for Sept/Oct/Dec. If I do not pay, I would permanently terminate my insurance on Dec. 31st. They gave me 2 options, take half from my 2 paychecks in Dec 2009. The 2nd letter was from BoA/Fidelity stating that because AETNA did not inform BoA/Fidelity that my pay on leave was not paid, I was subsequently paid for 80 hours of time. It was a very difficult time for me and when I saw that, I thought I was approved. My husband doesn't work because he watches our toddler and I work to pay my child support and his. I am negative every month. Not your problem, I understand.

This is what the agent Aaron said, "please note that if the account is overdrawn by ten transactions in a day, only four fees will be assessed". Previously, ten fees were being assessed for overdrawing the account by ten transactions. It has been reduced to four fees in a day. Wow, that's nice. I know that this is just another letter I'm sure other people have voiced their opinion about, but this has happened too many times to count. The last person I talked to about this said if I make the deposit by COB, then it won't charge. Well how can I go back in time and why would I receive that text after the fact? Nothing matches and it is very sloppy and makes BoA look very bad. Even a response to say sorry for you would be nice. Who knows? Maybe they will fire me because of this.

By now they have probably stolen thousands from us. Then in December 2009, I saw that for 8 months someone was taking $39.95 out of my checking account. I immediately called Bank of America and they opened a claim and promptly reimbursed me the $319.50 plus the $1,750.00 in overdraft fees this had caused. On February 16, 2010, I received a letter from Bank of America stating that my dispute falls outside of the time frame they have. They are going to be taking back the credit of $2,069.60, which I do not have.

I made a purchase on Monday, 2/15/2010, using my pin number. I stopped at a MAC machine and took money out on the same day. There were also purchases for gas and other purchases made over the weekend. All of this came out of my account today and now I am in the negative. Now the fees will build up again. This is an unfair business practice. When you purchase anything using your pin, that should come out immediately. My husband and would not make these purchases if we had no money in the account. the emotional toll of having financial difficulties aside due to all the excessive fees, there have been many times when I could not purchase food, gas for my car, or even order my son’s graduation pictures.

Economically, it is hard when you are always in the negative. They have to get their money first which makes it difficult for me to pay the bills when hundreds are taken right off the top. I feel like they take advantage of my financial hardship because without checking my balance, and sometimes just going by the fact that I checked my balance the day before. I know I have money in the account, and I am able to pick up my son’s prescription only to find out that I was in the negative. I did not know they allow the charge to go through and I am right back to $35 per item again.

I went to my account online and noticed i had three overdrafts on my account which surprised me. I gave them a call to find out what the problem was and was told that they take out the highest purchase first and then they do the smaller ones. I explained to them that my smaller purchases were done three days prior to the bigger one and I would think they would cover them in the order they are done since I had enough funds to cover the smaller ones. They told me that that's not the way they do it. I tried to argue the point but got nowhere.

I feel this is very unfair being that since they did it like that I incurred three overdrafts instead of only one which put me behind. Now I'm still trying to catch up. I feel they do it this way knowing that it will cause more overdrafts and they collect more money. I'm paying for overdrafts that they made happen on my account because they put the larger amount through which made my smaller amounts that were covered turn into overdrafts also. $105.00 total which I wasn't expecting and set me back for three months and wasn't able to pay my utility bills.

Now after still putting up with, I went to my bank and deposited my income tax check in my account. I was told that there is a hold on my account and that I can't get any money out until the check can be verified. I had customer service tell me that some money would be released the next day until it could be released, but the next day, no money at all. The customer service when I called was pretty rude. One told me "you have no money". It's a check. After I get this cleared up, I will be stopping my direct deposits from my job and child support. They have lost another customer.

So January 2009, I re-filed application number 2, sending all of the same documents again. I called and checked periodically and was told that all was well. Finally, on a call I placed during February, I was notified that the file had been closed and that "The Hope Program" was no longer in effect. At this time I called the first person that I had contacted and he told me that it was "too bad" that this had happened because I had been on the top of the list for "The Hope Program". He also told me at that time not to apply for a regular refinance because I would be turned down. He advised me to wait for the upcoming modification program from the government. He told me that someone would call and try to have me refile for a regular mortgage but to tell them "no," that it was a waste of time and that I was waiting for the modification program.

Sure enough someone did call me from Wachovia to apply for a mortgage. When I explained to them that I was waiting for the government program, I was told that they were not sure that there would even be a program, and they could help us out in the meantime--so what would it hurt to apply? So I capitulated and sent in application number 3.

A month later (yes, I was still calling frequently to make sure all was well with the application and was being reassured that it was), I received a denial letter stating that our income and debt ratio would not allow for a refinance. I called them every week after that and was told that Wachovia was not set up as yet for the modification program. In May I was told that they had another type of program that might help us. I needed to reapply and they would offer me a new package. I had three chances to accept it and if I didn't then the offer would be withdrawn. Application number 4 was sent. In June an offer was received $300.00 more a month than we were paying. I called them and asked them if they had understood that because my husband was injured at work and no longer allowed to work and my income had dropped and how did they think that this offer would help.

In June, I heard that the modification program was starting at the banks. I called and was told it was only for the people who were in foreclosure, but they would put me on the list for the modification program. I continued to call every week to check and see if I was still on the list. And finally, at the end of August 2009, we were told we could apply. We fit all the requirements--change in work status, predatory loan, etc.--so I sent in application number 5 on around September 16th, 2009. I called every 3 days for status update. In October they told me that all of the documentation wasn't there. October paystubs were not there. I told them I applied in September and my file was complete for then. However, I faxed them the information they needed. I kept calling and checking. Still nothing.

Knowing my husband would soon be settling with workers comp for a lump sum, I waited and called and told them I would be refiling. I refiled application number 6 on December 6th. I checked every couple of days. On December 11th I was told the copy of our federal income tax was not signed, so I faxed them a signed copy. I continued to call every few days and was told that everything was fine. It was the end of December 2009 that I was told that they were missing a wage statement for worker's compensation. I told them that my husband was not receiving weekly compensation and there was a court document enclosed showing our lump sum settlement.

They looked through the file and found it and noted the file with the page number. The next several times I called, I was again told I was missing the wage statement for worker's compensation. Each time I explained, and each time they found the document and noted it. Finally, on January 5th, 2010, after being told I was still missing the wage statement, I lost it and asked to speak to a manager. I spoke to manager Janssen W. She said she would rectify the situation--documenting the file complete and sending it to the underwriters. I should hear within 30 days. I have called at least weekly since then, each time confirming that the application was with the underwriters.

It is February 12, 2010 today. I just got off the phone again. I complained that it has been over 30 days and legally isn't there a time limit to their response. I was told by Joshua P. that it is still in the incomplete stage as far as he can see and it might help get the process going if I were to send something in writing saying that we are no longer receiving weekly wage from workers’ comp and that the copy of the court statement for the lump sum settlement is already included in the application. I told him it was my fear that to do this might trigger them to say that this process has been too long and I need to submit a whole new application. He then put me on hold and spoke to his manager Rebecca H. She also thought this might be the only solution, so I will do this.

I am an RN who is totally disabled since 1995 by a spinal injury caused by a patient. I have had 2 surgeries and live every day in pain. This stress causes more pain. My husband was injured on the job, 4/08, after 25 years of employment there. He has since had surgery and is unable to return to work and is currently receiving SS disability as I am. He is also a diabetic with a heart condition. I am handling this for him because I am afraid that this whole thing could significantly cause his condition to worsen.

I have owned this home since 1980. I refinanced for court ordered college tuition for my husband's daughter. The loan started at $200,000 and now is up to $220,000. We have used all our credit cards to pay our mortgage. Now we are out of credit. We are now using the lump sum settlement and what was supposed to last until my husband's seventies is half gone. We can't sell because of the market. I worked as a nurse for 30 years and this home is all that I have. We have seen the news stories alluding to the fact that some banks may be stalling customers on purpose. I do not know if that is what is happening with us, but this is really unbelievable! I did hear that one family took the bank to court. We are months from foreclosure.

I declined to make a payment over the telephone and in checking my records I found the payment had indeed been paid on the said date. When I called back the next day, I was told they had received the payment on Jan. 20th and it had been credited on Jan. 21st. This was 15 days after the payment had been put in the USPS along with a dozen or so other bills that were due between the 10th and the 18th of Jan. I made the payment according to terms and conditions required by BofA and cannot understand why it was not credited to my account sooner.

I checked with the post office and was told a letter can be mailed across the United States and reach the destination within 3 days. I explained all this to the account manager and was informed it was my fault the payment was late. They refused to do anything about it. The consequences were the $39.00 late fee and a black mark on my 10-year record of payments made on time. It is not so much the amount of money involved as it is about the principle of the matter. I was very angry and upset about the treatment I received by these people who apparently believe there are different rules - one for them and another for their customers. I have lost a lot of trust and respect for banks and in the future will do business with the smaller, locally owned banks or credit unions.

At this point, I was worried and scared because the money hadn't processed right. So, I called Bank of America and when I talked to the representative, I was hysterical since I had no experience in this field. The representative I spoke with has informed me that I had to go into the branch the next business day which was Monday. I went in the next business day, and when I tried to access my account, it was already in the process of being closed and they reported my account to check systems and accused me of fraud.

In several occasions, I asked Bank of America and Check Systems if I owe them any money to please let me know so I could settle this and they of course, both companies told me that I do not owe any money and never have.

I asked Bank of America what I should do and they sent me to check systems. I talked to check systems and they said that they couldn't help me and that I have to talk to Bank Of America. Since this incident happened, I have been back to my local Bank of America branch many times but they are always rude and can't help me. My last attempt on February 8th 2010, they asked me to stop going as they will not take off the fraud alert.

This company is unethical and should not be allowed to treat people this way. I am 18 years old and because of Bank of America I'm unable to open a bank account for seven years and qualify for certain jobs.

I was told that they hold all charges to my account until all for the day have been cleared then they process them in order of largest amount to smallest amount. The smallest on my account were three for over $5 each. Well, by doing this instead of processing the way I had always believed they were being, which would be in order of time of purchase. This way they are assured to get the largest amount in fees possible.

I have fought Wacovia each and every time on this, won some and lost some. Once, I even had to show a bank receipt because they had proof that a cash deposit was made after 2:00 P.M., when my receipt showed that the deposit was at 1:36 P.M., when I made it. Now this junk about in order of amount is causing more consumers than just me to be overdrawn more than just one fee. I have even had to prove that I wasn't overdrawn before when charged fees! The bank has doubled purchases, doubled atm withdrawals, anything they can do to take money from my or anyone else's account. Is there anything that can be done to stop this?

I have lost more than $1000 to Wacovia over the past two years from these fees. I could not change banks until this week because my direct deposits come at such different times that I had to wait until now for the deposits to be lined-up perfectly to get the deposits changed to another bank in time to get the letters to the depositors in time.

As for economic and physical damage, I am out the amount of money mentioned above. I am currently out $70.00 more than I should have been charged, which means that I will not be able to buy groceries this week. My husband has been laid-off from his job in construction for over a year, and has not been able to find work. We also have custody of our 4-year-old grandson (since he was 1-year-old), so we at least have to feed him and have a little something everyday ourselves! These tactics by Wacovia has put us behind on other bills, making me have to pay late fees on the other bills.

And as far as physical, I have high-blood pressure which goes through the roof when this happens, plus I have to take a medication for anxiety more often when I am having to go head-to-head with these money-grabbing, greedy people. It's not the clerks or folks on the phone because they have nothing to do with it; just the executives who make rules like this to make sure they get big bonuses!

Consequently, my account had a negative balance causing more items to bounce, resulting in more $35 fees and then with extended overdraft fees of an additional $35. I'm out several hundred dollars.

A few months ago, they paid an online bill 5 days before set date, before I revived my paycheck, had me bouncing and on the phone with my car company all day. They should have called, they did fix that screw up. July 2009, they paid 2 bills of mine 2x in one week.I called both bill collectors and explaining to them the bank paid them 2x. They refunded the extra payment. But...

I went to Bank of America to get the over draft fees taken off. The vice president told me I should have not went to Walmart to get groceries or pay my child's daycare. Knowing I did not have the money, um! I would had the money if they did not pay 2x on my bills. It took a week for me to get my money back, I had to buy groceries and put gas in my car and she had no concern and talked to me like I was a idiot. She only return some of the overdraft fees. She said, it wasn't the banks fault that I paid bills after knowing there was no money. Again, the money would have been in the account if my car and phone payment was not posted twice in one week.

Then the other day my husband gets paid, for some reason this time it took 2 days to clear. I bought groceries the day he was paid, I paid bills the next day.Well, the bills cleared before the check did. He has direct deposit, went in at 2:30 am and I did not by groceries until 4 PM that day, the check was way in before the bills and my shopping trip. They told us " We understand these overdraft fees are "something" but we cannot refund you the money".

Wait! The money was in there, and she just kept repeating herself. We now owe Bank of America $460.00. My husband gets paid in 2 days and our tax refund comes in also. So, I finally get to eat something besides Ramen Noodles. 2 weeks with no money, cause of them holding his check for 2 days and the overdraft fees left us with nothing but debt. Oh wait, his check won't clear for another 2 days, so it will be 4 days before we get some real groceries in our stomachs. We are closing our account when we pay those ridiculous overdraft fees with his tax refund that was needed else where. How are you supposed to get ahead.

Oh wait, one more! Last month, I had a bill paid through that online crap they offer. A bill collector calls me wanting payment. Um, I'm looking at my account, its cleared, and they say no, they don't have it. The Bill collector gets the check next day in mail but the bank cleared it before the collector received it.

This is what also happened with the case of paying my bills 2x in one week, asked me to hold the check because of a screw up and the check cleared anyways, she got onto me for not telling the bill collector to hold the check but I did tell them to, then 5 days later the Bill Collector Calls and says "Hey! can we run this check?". The vice president did not know how that worked? Funny huh, then she preaches to me not to use online BILL pay and there's a big ass sign by her desk supporting online bill pay. Go figure.

I asked the branch manager for my money and was told they don't have it. Bank policy is to limit a customers' exposure to robbery etc. by not giving out all cash at one time. Okay, but since they do not have my cash available, if I want my money, I, the customer would have to drive all over Northern CA to as many B of A branches as it took to get the cash.

My response was your policy was to limit exposure, so that means every time I go to a branch, I either have to walk in with all the cash from different branches or leave the bulk of cash in my trunk. So, 50,000 and say all I could get from each branch was 5,000 that would mean I'm exposed ten times. I could be robbed or had my car broken in or an accident or a car jacking.

No wonder the banks are asleep at the wheel and in trouble. I called the SVP Mr. ** and said that's not my job .I'm the customer and because of their idea for me to get my 50,000. I want all my money. The next thing I find that B of A refuses to hand back the money. Now, I did not think I would walk out that day, so I gave them a week to come up with the total amount. I was then told by the SVP Mr. ** that B of A would hand back the cash in three payments, I said no.

Your bank screwed up, no apology to me. It took 45 minutes of arguing before he allowed me to have my cash int two payments. I said, "You are not my parent or guardian, what makes you think you can dole my cash to me like it was my allowance. You are treating me like a child. He would be happy to give me a money order and I can try to find a bank to cash it or they will wire transfer to another bank. They did not want me to remove the cash from the banking system.

They actually have a lot more of our money. Their attitude is always that the patrons are subservient to the bank. All the other BOA centers near us are very courteous and the managers there have excellent customer relation skills to handle us and resolve any problems for us. The attitude of the branch is very malignant in this economy. Poor customer relations—increase the training. No legal consequences at this time. I will be watching them.

I was then told that I would be transferred to another department. Mrs. Nikki ** and her very nasty attitude became quite apparent when I asked why are all my business accounts being reduced. She started saying I wasn't using the balances that had been provided and that I was not over and beyond my limit. I tried to tell her that I was trying to establish some good small business credit. She stated I no longer need those limits because I was not using them. She started looking at my credit which meant she was pulling it (which I did not authorize for her to do). I then stated to her that I did a balance transfer to take advantage of 0% interest being offered for a year.

She then closed the account I paid off without my permission stating that Bank of America had extended my enough credit already. Keep in mind all I was calling about was a late fee that was not late. As the conversation began to progress, she began to act cold and heartless acting as if I had done something wrong by questioning her about my credit. When I expressed my concerns over her closing my account without my permission and how I wanted to protect my credit, she stated she didn't care and closed the account anyway. I have excellent credit that I need to protect and have never been late in paying my bills. I am well aware that when accounts are close regardless of who initiates it, it affects your credit.

I then tried to escalate my issue by asking to speak with a manager who did call a few days later; she was not much help either. All I asked is to have the account re-opened. I have no problem cutting up the card and am not using it. I just wanted the account to remain open in a good positive standing and she stated she could not do that. I then asked, “Why is that?” When you took upon yourselves to close an account in perfect good standing, because of what? Does Bank of America not care for the small business of small businesses such as mine or is it that they only cater to large Fortune 500 businesses? Based on my experience, I can tell you what I think the answer is.

For me, poor customer service coming from such as theirs or any corporation for the matter is unacceptable. I have been a long time customer paying off automobiles and the convenience of seeing Bank of America on every corner was great as well, but enough is enough. Yes, one person, Mrs. Nikki ** can really ruin a great banking relationship and experience with awful customer service received on that evening.

We have no other choice but to send this letter to everyone we can think of that may listen. I signed up for the making home affordable with BOA back in July of 2008. I was out of work and they sent me a letter saying that I qualify. I called, and I did after all qualify for the program which would drop my mortgage by 1000 per month. I sent in all the requested docs, and then was asked for them again. I faxed them and they didn't receive them. These are full tax returns, w-2's everything each time. Two weeks went by and a FedEx arrives with a letter saying we qualify and we are to make trial payments to BAC home mortgage in the amount of 1900. That's better than 3000.

We start making these payments and get phone calls on Sundays saying that they are missing information. I call and they say, well it's not us that is missing information, it's the Hope team and here's their number. The Hope team isn't open so I have to call back Monday. They tell me that they don't need any info and don't know why I was asked for it. The next month they call and say they're missing the tax returns. I fax them 2 times and mail them once just for good measure. Three weeks go by and they now are missing an IRS form. I tell them that they already have it and end up faxing it in 2 times. They didn't get it after 2 weeks more and I fax it again and mail it.

Three more weeks and they don't have my tax returns and if I don't send them in I don't qualify and now I am on the hook for all of the back mortgage that I would have otherwise paid. I tried to use my Home Depot card to buy some stuff and it was denied. I called and found out that BOA had reported to my credit that I was defaulting on my loan and was reporting it even though I was in their own program. Long story short, they told me that it's automatic in their system and I would have to call every month to get the last months report to the credit agency removed. I did that, and I must every month. But my credit is still being affected.

Now back to BOA. We have been making our payments on time and we get a FedEx saying that we're missing some important documentation for our modification. Tax returns and such. More phone calls to all of the departments because the phone numbers that are on the letters they send are not the ones to call. In fact they are to other departments other than the right one. I fax 2 sets of our entire tax returns in and mail them too in their FedEx pouch. I call 2 weeks later to check up. The lady on the phone says we have received all of our docs and it is going to underwriting. I get another call on a Sunday saying we're missing some stuff. I call Monday and they say we're not missing anything.

Three more weeks and I call to check and the lady says congratulations! Now just wait for the final docs to arrive, sign them and you're all done. What a relief! I jumped up and down with joy. Three more weeks and I get a FedEx saying we're missing tax returns in their entirety, and form whatever from the IRS. I call and argue and then send them again and tell the people on the phone that I was already told we were approved and waiting for the final docs. There is no record that anybody told you that they say! Stress! Faxed returns again! Three more weeks and I call to check.

Now we're in December 2008. They have all they need and it's all going to underwriting. Christmas comes and goes and we are missing more paperwork. This goes on like this until today when I got another FedEx saying that I need to send them my entire '08 tax return, the hardship affidavit, check stubs from work ( I am still unemployed), a signed notarized copy of something else, etc. I was on the phone 4 hours today trying to get somewhere. Finally they are helpful and figure out that they indeed have everything and they don't know why BOA is asking for more. Keep in mind that if I don't send in these docs they will deny us and we will be liable for all of the back modified payments in cash and the next months mortgage.

That is 3000 plus lets see, 1100 for every month since September, that's right about 10000. The supervisor got on the phone and tried to talk me in circles telling me that I needed to send in the documents or I won't get the new loan. They have them and they are not willing to give them to the underwriter again. It is up to me to send them in again. I asked why I need to send docs that they already have and he said because they asked for them. All of these documents over 6 months they have lost over and over again and now that I am under a 30-day time frame, what do I expect?

I expect to get a letter after the 30 days is up saying sorry we can't give you the new loan because we didn't receive the docs. I have all of the proof of all the other times I sent things in, and I could have proof that I sent the new ones in too, but if they say that they didn't get them, I don't get the loan, and have to pay 10,000. All of this even if I can prove everything every step of the way. I need help, and I don't know what to do. They are making it impossible for us to get this government program by continually putting up roadblocks that they are aware they are doing. I need help! I have all the notes of conversations and faxes to them over the last 6 months. So much stress, I can't stand it. Consequence is relationship troubles with my wife and child, etc.

What do I have to do to get some relief? Do I have to close my account? I have banked there for over 50 years!

I wrote a check om January 24 for $76.57. I thought I had my other check book from another bank. I realized my error and knew that I would owe the bank for one $35.00 overdraft fee but instead got charged for three $35.00 overdraft fees. I can not understand how Bank Of America can justify deducting 3 fees from 3 different days by saying that they take the highest charge first as a courtesy. How is this a courtesy when the first two charges were from two previous days not to mention that my payroll check went in the same night January 24, that all these charges went in?

I am not a person to write bounce checks or in other words this is a rare thing. I have called and asked several people to explain how can charging fees for 3 transactions when to should have been covered if they were deducted in order as they were debited. I could even understand if they were on the same day but not three different days.

My husband called her and she was so rude to him. She demanded to speak to me again, and told my husband that he was the problem in this mess and she did not want to speak to him. He asked to speak to a supervisor 5 times before she finally switches him to Eric M. He was worse than Lisa. He basically told my husband that he better find a way to make this payment today no matter what and continued to tell my husband that if he does not receive the payment, he is coming to take the vehicle away.

Now this place is a loan office. They are not the police or a place to confiscate cars. They speak too low and down to you that makes you feel you are worthless. I have never in my life seen my husband cry after getting off the phone with this person. After making numerous phone calls, I finally got a name of a manager who is Darren J, his number is 980-233-6850. Talk about putting people down, my God, I kept trying to bring up the subject how his employers speak to customers, and he told me he knows how they speak to customers.

This is the way they are to treat people when they need to call on a late payment. Now, I am just fuming that they think they have the right to downgrade people, and to call us at 9:00 pm. I had to run out and make a payment which I cannot afford to do right now, to keep these people off our backs. It is just one payment. We do not have to be degraded because of this. I figured if I spoke to a manager, he would apologize for the way they spoke but he on commended them on it. Something needs to be done with this department. The constant harassment every day and tonight is unbelievable.

Not only are we not allowed to use our accounts, but they placed a hold on the entire account so we are not able to pay our kids tuition, mortgage, get food—nothing. And this is what they told us: "Sorry, we understand your frustration but there's nothing we can do to help you." How about removing the hold for all except the amount of the garnishment? Also, we contacted the lawyer "Eric H." again who stated they submitted the notice to the bank but the court date for settling the account is March 12, 2010. So why in January has Wachovia placed a hold on our account two months ahead of time?

We are getting no where after numerous calls and needless to say we have other items coming in that we will have to pay NSF charges that Wachovia love to charge even when things are not our fault. Can someone please help us? We need someone who cares about customers and not the mighty dollar. Maybe the lawyer should have held the request until it was closer to the court date and even his office was very nasty saying if you pay your bills, you would not be in this mess.

Well, we paid the bill and are still in this mess because we have two accounts still on hold and no way to get a dime of our money to get gas for work or food to eat or to pay anything else. No wonder people are so frustrated and outright ** off these days because everyone is always in their pockets and you can’t find help anywhere anymore. We have no money to get food or gas or pay our bills. They placed a hold on two accounts and even after it was settled they have refused to remove the hold.

They have done this numerous times. The most recent incident; I had a total of five small purchases ($6-12) all of which had been cleared and $309.00 in my account. A check of $600.00 had been processed a couple of days after but was dated the same as the 5 small purchases and placed before them, causing a negative balance of $291.00 + 35.00 overdraft fee and five ($35.00) overdraft fees. Crooks!

I am in deep financial strain as I live paycheck to paycheck. I have yet to recover from the last incident from them and want to cancel my account but I am told that I have to bring my account to a positive and they charge an additional $35.00 fee every five days that I cannot pay the overdraft fees. Crooks!

Since this occurrence I haven't even been writing checks or using the debit, just paying bills online. Well, their recent charge was an electronic debit that made it go to minus $2, yep, and then there was their $8.95 fee. Yep, you guessed it, charged me twice! I hope that's not another charge! I was going to wait until the end of the month to close this as I opened a new account yesterday, they charge 0 checking fee, 25 overdraft, free check cashing, and 16 for custom checks, which is much more reasonable. So I will go there today and close it, and I will tell everybody to stay away from that back, they will steal your money. And they would not even wave one charge! After I've been a customer for 4 years. There will be one day I get an inheritance and believe me, BOA, will never see any of that money. I have trouble paying bills due to excessive charges and fees from BOA, totaling around 5, 6 hundred for the year for nothing!

The following day, I took off from work to go to my local branch to see if someone could help me. They were rude and nasty to me, claiming it was all my mistake for overpaying. I said that I was very new to this and would they please do me a favor and remove half of the fees, that I would be more careful next time. They removed $49.00 and I got very angry.

I said that I would be closing my account and the manager said, "That's alright, but not until you have a zero balance." I left the bank very upset and the spiral has continued to a total of almost $800.00 worth of fees in a matter of seven days. These people are raping us and there is no one to advocate for the working people. I am a school teacher and that is an entire week's pay. I tried again today on the phone, to no avail. What can we do to protect ourselves against these blood suckers?

There should have been at least $1000.00 left from my pay and my husband’s, so I know they were incorrect. I was connected to risk management and Gabriel advised me that I deposited a money order for $3.00 and put that it was a $300.00 value and took $100.00 of it out and that was why there was only $88.00. I told him that was impossible since the CDs from the account were CXL and I only received them the day before I got paid and I didn't deposit and buy money orders. He talked to me like I was a liar and told me to go to claims and then refused to give me his supervisor, stating there wasn't one.

The same rep also told me that this account was an individual account and not a joint account with me and my husband. That was why his check never posted. When he added me to the account they removed his name from the account over the phone. We bank online, so we very rarely go inside. Gabriel also told me that my account was opened in the local branch. It wasn't. I was also told that I couldn’t get my money until they closed the account on the 28th and mailed me a check. Bank of America is the worst financial institution. I never want to see them again. I was unable to pay bills buy groceries or even gas. I had to ride with a friend to work and eat ramen noodles for a week. I have 2 children that had to stay home with my husband since we couldn’t pay for day care that week. He isn’t being paid and now my rent is going to be late, meaning more fees.

When I called a representative before I left, I had a small debit in my account. I asked the representative to close my account. She stated that they could not due to debit. Then I asked if I could "block" this account from any further charges. She told them there would be a fee to do so, I believe it was $30 per payee. Which I thought was ridiculous. Bank of America is absolutely ridiculous with their fees. They take complete advantage of customers like me who are having a difficult time in this economy.

I believe that this is customer negligence on their part. I do not feel I should pay their fees ($267-plus) due to this. They have already received plenty of fees from me and I don’t want my credit, license or credibility ruined over this either. I send an email yesterday, 1/26, explaining that I want this account closed and the fee issue. They advised me to contact customer service. I’m not doing that again. They seem reluctant to reverse the fees, and said it would have to go thru an account manager to close! Please help! This can’t be the only complaint you have received regarding Bank of America. Thank you. It resulted to $267 in fees, in which I feel I should not be responsible for, and the account is still open! They will not close!

Once at the branch, the teller Mrs. Darlene ** rudely stated to me that she couldn't cash the check, and the only way I could get any cash was to open an account with Wachovia. She also stated if I opened an account, she would be willing to give me $2,000 cash back but the remaining balance would have to be on hold until Tuesday 1/26/10. I asked her how it was possible that she could give me some of the money today and why is there a hold on the money when the check is from their account holder (bank).

On 1/26/10, I went into another Wachovia branch in Fort Lauderdale, FL to withdraw funds. Once inside the branch, I was told my money was not available and I had to wait another day to access my funds. As a result of Ms. **'s lack of enthusiasm to help me resolve my issue, I felt discriminated against, less than lucky, and my day went from being the best day of my life to the worst. I believe Ms. ** chose not to help me because of her own personal reasons and not because she truly could not.

Not knowing this, I made a deposit for just under $300.00, which the ATM accepted without a problem. This was 6 full days after they had closed my account, so the ATM should not have taken the deposit, obviously. Then, when I called, they were unable to look up my account, much less track the checks I'd deposited. Fine. I went to my local branch on the next business day. I was told my deposit amount would be returned to me via U.S mail, a new debit card would be sent to me, and my account would be reopened. In good faith, I deposited another $84.00 to reopen the account that day. I made this deposit personally with the bank rep handling it for me. I got a receipt.

Not only was nothing sent to me in the mail within 7 days, it's been 10 days, and not a single thing has come. Also, I cannot access my account using their customer service automated line, as it says it does not 'recognize' either my account number or social security number. Apparently, the account is still closed. Yet, that did not stop the bank from putting a check through that I had already told them about, having written it before I knew they had closed my account wrongly. So, now they are charging me an additional $35.00 fee on an account that doesn't even exist to them. Interesting, no? When/if the branch manager returns my call, I am not going to let them do anything but return my money, which will be over 350 dollars now, and will close my account. I will never bank with them again since this is how they treat loyal customers of over a decade.

They also state that if you are only negative a minimal amount, you will not have fees assessed. I was only negative $7.11 and that's what it says on my online account, but they still charged me a fee, and then it was like a domino affect. I told them I could not make my deposit because the button for "cash deposit" was already compressed. I had just made a couple transactions that day and had until 8:00 PM to deposit money so my account would not be overdrawn. But, because the ATM would not let me do so, I had to wait until the next day and by then, I was overdrawn. I get paid every day by my clients and make my deposits every day as well. I've been with the bank for over 2 years.

They also raised my monthly maintenance fee from $5.95 to $8.95 and offered a free checking if opened online. I did so, but my PIN never worked. I complained several times and all they kept doing was send me a reminder of the same exact PIN, that would not work. I would have used the free account I opened if my PIN had worked, therefore, I had to used my original account and after they would take out my monthly maintenance fee, other items came through, and I'd be overdrawn even more. I think it's a scam and a way for this bank to get more money out of their customers, whom they claim they value so much.

It's ironic because this is the same bank that was awarded millions of dollars for a bailout, but, doesn't care to help their own customers with problems like mine. I've switched banks and I've told Bank of America that all I want is to have my fees returned, for an ongoing problem that's not my fault and I want a zero balance so I can close my account.

I have been fighting with Bank of America for over a year about the way that they assess these fees. It is unfair to the bank customer and if Bank of America did not have my mortgage, I would move my checking account to another more customer friendly bank. I have paid $420.00 in over draft charges since December1, 2009. I get charged at least two-three $35.00 fees every month and sometimes more. I am at three already this month and will probably get more. Their system is impossible to keep up with. If I see that my account is in the negative, I make deposits to counter act the negative and still get hit with overdraft charges. Bank of America is killing me financially. Please somebody help! I am struggling to meet my monthly expenses and put food on the table for my family because of the excessive overdraft fees that Bank of America charges and the way that they use the available balance and not the actual balance of the accounts.

I am in law school now because that is the only resource left to me now. Again, I am on a fixed income and cannot afford this raping of my checking account. I want Bank of America to be reduced to their wonderful California levels back in the 1980's before I lose it and sue Bank of America in a class action suit. Anyone else with similar issues?

I called customer service to complain and find out why the money was not debited from my savings, the 3 fees overdrew me by $1.43. The representative refunded the $105 in fees and promised to set up the overdraft protection, although he failed to tell me the credit would take 4 days to post, so while waiting for my money to be returned by them I got his with 2 more fees of $35 each which meant for the 2nd time the overdraft protection was not set up.

I did an online chat with a representative named Morgan who was extremely rude and basically told me she would be more than happy to close my account rather than help me. I left the chat with no resolution and no action to be taken. I then did another chat and got a representative who did refund the $70. Two days later I checked my account online to see if the refund had posted and noticed my savings account was closed. I had to call once again to have it reopened and they had no explanation as to why it was closed. Thinking this was finally resolved on the 22nd at about 6am I checked my account online again just to be on the safe side and now the checking account was closed.

I once again chatted and found out the rude representative Morgan put in a order to close my accounts just to be mean I suppose. I had to have the account reopened and finally got a supervisor named Korey who assured me the account was reopened and my balance would be available within a hour. Seven hours later I check my account online and I see a $0 balance.

Again, I have to call and I got a representative, Amanda, who has no idea what happened to the money so, I asked for her supervisor. The supervisor tells me they decided to mail me a refund check on my account balance for whatever reason - no one seems to know. I was so fed up at that point that I did ask her just to close the accounts. I was even declined to go to a branch and withdraw the balance instead of having to wait 2-3 weeks for a check when I haven't even been able to use any of my money at that point in 7 days.

In addition, I had to keep the change savings account where I am matched my deposit 100% for the 1st 3 months. While waiting for my refunds I had to transfer all my savings to cover my checking so I would not incur more fees, so I lost $52.05. I did ask to be compensated for this and was told, No. I lost $52.05 out of matched funds from having to transfer money to my checking account to cover the overdraft fees I was charged while waiting for them to be refunded.

The account has been negative since January 19th with two overdraft charges and since January 20th, I have been without funds.

When asked if she could give me anymore of the $2,100 in overdraft fees, she refused. When asked if she had the authority, she refused to answer. I think it's immoral and unfair simply because I'm a struggling mother of two little girls that can't pay my bills as a result of this amount being ripped from my account. BOA did get TARP funds. We helped them. She won't even help me.

Three months later, I receive a letter in the mail regarding my open account. I called the number on the letter and got transferred around. I was advised that the accounts were closed but still showing active and that I had a -$10.00 balance on the savings account for maintenance fees charged the last two months. I asked why a closed account would be charged fees and the representative couldn't tell me. When I asked when they would be removed, she advised that because they were maintenance fees, they wouldn't be removed. I asked to speak to a supervisor and was put on hold, then told they were busy and when I requested them to call me back, I was advised that they can't make outgoing calls.

Who has ever heard of a supervisor not being able to make outgoing calls. I have worked in call centers and have never heard of an experience like this. I am now glad that they closed my account because I would not want these incompetent people dealing with my money. They may be reporting to my credit if not paid eventually.

I asked her that I could not see any negative amounts. And I do not understand why transactions go through if there is no enough fund in it. Aren't Debit Cards supposed to work like a cash card? I do not ask the bank to cover the short. Transactions should be declined if there is no enough fund.

I believe that BOA trapped customers with this kind of system. They would cover the purchase of payment using debit card even though there is no enough fund in it. And at the same time, they will charge fee of $35. Easy money for them, but it is illegal.

Next, when it was added on the truck the following month, my insurance was up from $215 to $1007 per month. We could not afford that kind of payment so we did not drive the vehicle and went shopping for a cheaper insurance and Wachovia charged me another CPI adjustment in the amount of $1,648 from 12-2007 to 2-5-2008 and said they charged us $360. After that, I have had my own insurance but that didn't stop Wachovia from adding their insurance

We let them know we had our own where the CPI adjustment were we noticed payment was missing on the payment history sheet they sent to us. We got a letter dated August 24, 2009 stating that they had put three payment of our in a general ledger account because they didn't know who the payments belonged to because there was no account number. They could have found out who they belong by our names and address. They said they applied the payments in November 2007. They applied my January payment in February and my February 19th payment was applied for February. Our payments were due on the 19th of each month.

I asked Mrs. Elaine *** who worked in the Office of the President of Wachovia in Texas why did she apply my January payment to February when i made it in January. She started talking to me in such an unprofessional manner. I made an April 2008 payment and Mrs. E. stated that I did not make that payment. I had faxed this payment to the March lane Stockton office after they decided to repo the vehicle without even giving us a warning, no certified letter or anything. She first told us that the missing payments that was in the ledger account made us delinquent. Then she said we were 107 day past due for our March 3, 2009 which caused us to default and the vehicle was repossessed.

The vehicle was sold and now they are telling us since June 18, 2009 they are not going to do anything or give us restitution at all. I explained to her if we were 107 days past due for the March 3, 2009 installment, she would have to go back to December 2008 to March 3, 2009 to come to the conclusion that we were in default. I have been trying to talk to Wachovia reps since they took the vehicle and we had no luck. After the vehicle was sold, they called concerned about the deficiency balance when they would not talk to us about how we could get back our vehicle. They said they wouldn't give the vehicle back because we were concealing it.

The vehicle sat in our front yard the whole time we had it. They used concealment to keep from giving the vehicle back. What can we do? I can show the copies of that March 2008 payment that Elaine *** said that caused this entire mess. They have given us one excuse after another about why they took the vehicle. We have receipts from December 2008 to March 3, 2008. Elaine *** told us if we sent her the April 2008 receipt, she would fix the problem. Now she tells me she is not going to do anything about this problem.

We have lost the money we paid into the vehicle and lost the vehicle. Wachovia is guilty of concealing our payment and a few other things. They did not recognize any of the payment that they had in that general ledger account. Wachovia reported the vehicle stolen. Wachovia could not legally report the vehicle stolen from their bank because we were the registered owners. We want to report Wachovia to the FTC for being in violation of FDCPA, the Fair Debt Collection Practice Act. We are demanding they pay us the money we gave them in the amount of $551.18 x 20 months equals to $11,023.60.

When we asked for the exact dated in writing, Mrs. Elaine *** refused to do so. She started yelling at me on the phone. I had to tell her I would talk to her at a later date because she got upset for no apparent reason except she feel guilty and don't want to admit that they made a mistake and are refusing to correct it. What can we do? Should we get a lawyer or can you help us? I wrote to the comptroller of currency and they put the mess right back on Wachovia and Wachovia put it back on us. I can provide proof of that April 2008 payment to you and send receipt from 12-2008 to 3-2009 that made us past due. From our understanding, Wachovia has been bought out by Wells Fargo. We called Wells Fargo and they told us they did buy out Wachovia but the loans on the vehicle and homes were still with this company.

For example I have had charges of $40 that were charged $35 in overdraft fees. That is 87% monthly and 1044% annual interest. I would be willing to allow them to keep $5.00 of each fee which is reasonable for processing. Please advise if you can help. The consequence is over $1330 fees paid to Bank of America as a result of overdrafts.

I’m closing all accounts this morning! They've cheated me out of the $75 that is rightfully mine, and they have no intention of honoring any of their new client promotions.

On January 8, 2010, I made a car payment in the amount of $581.00. In order for me to be caught up on the car payment, I owe two more payments. I requested to make the two payments at the end of this month after I file and receive my income tax return. I have been on a medical disability designated by my primary physician since September 2, 2009 to the present because I was threatening a miscarriage in my pregnancy. I have not worked since September 2, 2009, but I managed to pay all my car payments for the past 5 years. I am only two months behind, but I will be able to pay the two payments at the end of this month.

I requested a Hardship/Medical Consideration in this matter from Bertha and Rita at Wachovia. I was abruptly denied the request in addition to be humiliated verbally on the phone on January 14, 2010. Their unbearing and relentless attitude of how they talked to me in a derogatory manner made me not only cry but the situation prompted an anxiety attack, oncome of migraine headaches and severe abdominal cramping. I was taken to a nearby hospital where my physician stressed that I was going to have a miscarriage. I was stressed!

Bertha and Rita could have handled my situation far better than the way they did. It was the manner in which they talked to me. In addition, with the economic times as they are, I feel financial arrangements can be made on my behalf. After all, I have been paying on a Ford Focus for the past 5 years and I just made a $581.00 car payment just 1-1/2 weeks ago with the guarantee that I will be making 2 car payments at the end of this month. Therefore, I will be caught up! Bertha and Rita vehemently said that the car will be repossessed!

I can provide medical and disability documentation from my primary physician upon request, if needed. In addition, my mother has spoken to Bertha and Rita regarding my physical and financial situation. To no avail, my mother was treated in the same manner – disrespectfully. I pray some disciplinary action can be taken regarding these two employees. If not, all I am requesting is that I am granted some consideration in an effort to pay my two car payments at the end of this month after I have received my income tax return. That is my utmost request.

Thank you for your consideration in this matter. I sincerely hope that no one will have to suffer the mental and physical anguish that I have suffered at the hands of evil-spirited, cold malicious, uncaring, so-called specimens of a human being. I pray that these two individuals will walk in my shoes or possibly one of their loved ones!

We are struggling having very little in our account. It’s a stressful ordeal and looks like it’s not stopping. That money they are stealing from us is the extra that get us by to the following check. Now we’re trying to figure out how to get grocery to feed our kids. It has been hard to not go to work and think about our false accusation. Thanks for your attention hope to here from you.

I was a little surprised it was that easy and I had every right to be under that impression. I noticed my balance had not gained that amount the next morning and that there was no deposited or credit to that amount made. I called to check on the status, thinking maybe it would need another day to clear onto my transaction list. I was told by everyone I could get a hold of that not only would they never ever offer a credit but they would never do it unless they had proof I made the deposit and that if they decided to give the credit, it would be ten days after the onset of the claim. They also told me there would be no guarantee the deposit would ever be made, ever. That it may very well be the check would just disappear.

I was advised to just have a new check sent as they would not be able to do anything at all. Even if they were to find the check, they would not offer compensation if they did not want to based on the condition of the check. So let me get this straight. Your ATM takes my check against my will, not registering the deposit and your exceptionally slow ATM guys can take their sweet time (10 days) to recover it. Then you still may not accept it. What crooks and oh, how much I love the insinuation that I'm trying to rip you off. Zero responsibility!

And the lender won't adjust my interest rate and refused to modify my loan. It's because even though my payments are much higher now than when I bought, they say since I am current, I do not qualify for a loan modification, even though in October, they advised me of a new program for owners that are current but upside on their home. Yes, denied, because I am current. Why have they told me to call back since March 2009; In October, I was told of new program. I provided all documentation. And then I got a call saying I am denied in January 2010.

So I was overdrawn again so that another overdrawn fee and to top it off. The transactions that was pending and already deducted from my balance was added back to my account and debited again (which the rep I spoke with says that is standard procedure with authorized pending charges) causing another overdrawn fee. So I was charged overdrawn fees twice for the same transaction, pitiful. I immediately closed my account and will never have anything good to say about Bank of Scams or Fees known as Bank of America

While checking my Wachovia Online Bank Activity this morning (1/14/2010), I was shocked to see that the utility payment had bounced. I was charged a $35.00 overdraft fee, and they were holding my cash deposit for seven days. I thought for sure this was done in error so I called 1-800-WACHOVIA and spoke with a customer service representative and a supervisor who both claimed that they did not know what this seven-day hold was due to and that the hold was placed on my bank account by my local Wachovia branch in Old Saybrook, CT.

I immediately went to my branch, deposit receipts in hand, asking for an explanation as to why Wachovia is holding my cash for seven days, causing my account to be overdrawn and charging me $35.00 fees for it. The 'personal banker,' Mr. ** had no idea what this hold was about and after researching this matter for 15 minutes or so with no answers, finally had to call Wachovia headquarters to get to the bottom of this situation. The representative he was speaking with on the telephone obviously wasn't familiar with "cash deposit holds" because they were trying to figure it out together for a good ten minutes.

Finally, Mr. ** hung up the telephone and explained to me that since I have a history of overdrafts in my checking account, that Wachovia Bank will now be 'holding' all of my cash deposits for seven days before releasing it into my account. I am outraged. I can certainly understand a check or money order's funds being placed on a seven-day hold until a check clears, but cash deposits? So now, to compound my already dismal financial situation, I am out $35.00 for my utility bill. I will then be charged a fee from the utility company, and I also won't be able to access my cash for seven days.

In my opinion, this is just another ploy for Wachovia Bank to slap $35.00 fees on consumers like myself who are already struggling financially. Is it legal for Wachovia Bank to place "cash deposits" on seven-day holds simply because a person has had overdraft issues in the past? I am sure that in this economic climate, that I am not the only person who has had a check returned from Wachovia Bank. I would greatly appreciate any advice or further knowledge of this situation. I was charged a $35.00 overdraft fee with others to follow I am sure. I will be charged a returned check fee by my utility company, and I will not have access to the cash I deposited for seven days. This is discrimination!

Instead, Wachovia went on to take all my money, then hit me for 18 fees x $35 each for $630.00 in total. This makes no sense at all as the transactions were done on Friday, Saturday and Monday. The minor purchases should have all cleared with no problem at all. On another issue, I even withdrew $60.00 from an ATM machine, to find out I later got hit with a $35.00 NSF fee. This is ridiculous. Why can I be allowed to withdraw money from an ATM and make small debit card purchases with no issues at all when my money was available and the mortgage check did not clear? This is clearly a moneymaking scheme from Wachovia to hold checks on purpose, then hit you with fees on your other transactions.

I have lost $630.00 this week alone. It is unknown at this time what other fees I have been hit with in the past as I have been with Wachovia for over 4 years. I have lost all trust in Wachovia and the banking industry in general. Wachovia is clearly holding checks for days with the highest amount being processed first, then depleting my account when smaller and earlier transactions could have been processed without a fee. Wachovia routinely enforces a policy whereby charges incurred are posted to accounts in non-chronological order in an order designed to maximize their overdraft fees. Wachovia has abused my rights, which amounts to "bad faith".

They strategically waited until all of my charges went through before adding my money. I thought out all of the possible scenarios that might have put me to blame so I could have a logical comeback for everything they threw at me, and then made the call to my local branch. In less than 11 minutes, the woman I spoke to had implied that I was uneducated, a liar, and someone who obviously had no math skills because I apparently could not stop myself from overdrafting. She also made me cry.

I was still persistent, though, and I knew that she could see that I had my facts right. My intelligence is the one of the few things I feel fairly confident about, and the fact that she was reduced to taking cheap shots at me to try to discourage me really made me upset. When I asked to speak to someone who could give me the education she thought I needed, she tried to pawn me off on Customer Service. I then told her to transfer me herself because I wasn't going to trust any number she gave me, and she refused that, too.

In the last three minutes of the call, all she did was tell me that the only way I could prove that they were wrong was to bring in the deposit slip, but I had thrown that away when I got to the mall because I had already memorized the balance. I eventually called Customer Service, and the man I spoke to was the complete opposite of the woman. He told me that once the deposit was completely processed, the time should show that I was correct and that I can call C.S. back instead of the bank, and get it refunded.

I'm still waiting on the deposit information to go through, and I wouldn't be surprised if the time on it was incorrect, too. I'm going into the bank next week to cash the excess money I get from school each semester, and there's no way they're going to get any chance to touch it. I plan on making them give me $1925 in the smallest bills possible just to get a small amount of revenge (immature, but oh, well), speak to the manager about the employee, and then cancel my account.

Economically, I'm out $82 of the $100 I got from my dad for Christmas. Physically, I've probably gained 600 wrinkles from frowning. I could have dehydrated from all the crying I did, too.

Anyway, I'm frightened. Add to the stress, my husband has no idea. He's a wonderful, hardworking man but he has never had children so he doesn't quite understand the panic a parent feels. I am not lazy either, I just got over two weeks with pneumonia caused from working 90+ hours weeks. I am scared to death. I actually need about $500 to get on an even keel. I am not looking for a way out of my obligations, just a little help for right now.

I had an e-mail teller who sent me e-mail receipts to start. However, she lost her job as she knew what she was doing. You know there was another foreigner they could put in her spot, and it would only cost them a dollar an hour. Anyway, they refused to send me a receipt for months. After repeated requests for acknowledgment of payment, I finally decided that if I stopped paying they would ask why, and then I would get a receipt. Yes, I did get one finally. However, they informed the credit bureau that I was a bad credit risk as I refused to pay the balance on the loan. I contend that when they made that bad credit report, they committed libel. And for that reason I am charging them $250.00 for that crime.

To this day every time I contact them to resolve the issue, I end up hanging up as I refuse to give my entire life's history to a bunch of foreigners who can't speak a lick of English. When they respond and agree to my terms, I will pay down the loan in short order. I am forced to do this as it is so easy for them to make my credit look bad and so hard for me to correct the problem. Today's world forces us to air our private laundry in public. It is best that we fix all these problems with government soon. Government is getting less and less friendly all the time.

My next complaint has to do with there automated service charges that can occur after you close the account. The Banking Center refused to refund the $35 charge for a bill payment that was supposed to be disabled by the bank.

For such a large bank, these errors are completely irresponsible and reflect badly on the company. I was never refunded the service charges after I closed the account nor the $9.95 monthly service charge which they billed me for well over a year, despite numerous attempts and promises that it would be taken care of by banking associates at the Woodcroft banking center.

This representative was nice, but not any more helpful than anyone else. He could not tell us why our account was on hold, only that did it. And that she, that one of thousands of employees at Bank of America, was the only person who could take that hold off. And she was not back at work until Monday! I was also told that there was no one else who could help me. That there were no managers there all weekend and supervisor was going to tell me the same thing! Basically I was being told that there was absolutely nothing that they could do for the next 48hours. We were being penalized, being completely cut off from all of our funds, our money, our account, for 48 hours, with no explanation, for no reason! This is so ridiculous, so unacceptable I was practically in tears by the time I got off the phone 2 hours later.

Customer service refused to refund the $35 fee on January 6, because if your holds exceed the actual balance of your account, then technically, your account is negative; and they charged a fee for unofficial negative balance (because after all, they can't show that you have a negative balance, because technically these transactions have not gone through. But they can still charge you for it). I have filed a complaint with the BBB, and when the FTC gets their link working for consumer complaints, I will be filing a complaint there also.

I made a cash deposit at 2:30 p.m. on 1/5/10. I also made several check card purchases the same evening. The check card withdrawals were made that day, but my cash deposit didn't post until 1/6/10.

on Tuesday the 5th. They charged me a $35 overdraft fee, even though it was their $22 fee that caused the math that resulted in the overdraft. I called and discussed it, and they said that the NSF was because the loan payment first came in over the non-business days, although it was posted on the 5th. I think that so then, since my deposit also came in also on a non-business day, and was posted, as well on the first available business day, even before the loan payment posted, that I ought to get the same privilege the bank took.

They "looked into" crediting the fees back for me and the "system" refuses. I argued why since, I have never asked for a credit before, never over drafted the account, never had a penalty before, nothing that should disqualify me from a courtesy afforded most Banking Customers regardless even of fault. The rep says she doesn't know but just that the system returned a 'no'. I think it has to do with the fiscal year, but nevertheless, I am closing my account with Wachovia, and urging my husband to refinance his auto loan through another lender! This was predatory.

i incurred $57 in fees for the bank being ill prepared for banking customer transactions, and for allowing themselves the financial benefit of transactions that "come in" on non-business days, but not allowing the customer the same privilege, for my transactions completed on non-business days.

I called the bank to complain and was told, "It's your problem. We didn't process the transactions until 01/04/2010." And then, they processed them from highest to lowest not in order of the date and time the transactions had occurred. This seems illogical, since people do not keep their check registers in that order but rather as the transactions occurred. The bank told me there was nothing that could be done about it and to just pay the $245 ($35 which I do owe) I am furious, but it seems there is nothing that can be done to stop this practice.

I tried to explain that I didn't cash anything and the rep got defensive. She then transferred me to the claims department. The person in that department was even less helpful and more rude. She informed me that she couldn't help me and immediately transferred me back to customer service where I was greeted with an automated system. I then took off time from work to go to a branch for assistance. The representative there really didn't believe me either.

I got upset and requested information such as the name on the check, name of the person who wrote it, date it was cashed and branch it was cashed at. After she obtained that information, it was obvious that the teller made an error. After that, I was told an investigation would occur and I would get my money back in maybe 48 hours. After I left that branch, BOA then charged me four $35 dollar fees for overdrafts.

On 01/05/10, I called back to BOA to find out when I would get my $500.00 back and to request the fees be removed. The rep removed the fees but told me I would get 4 more the next day and that I would have to call back and get those removed. She said they were pending and she couldn't cancel them. I was also told that the bounced check was mailed to me and that they expected I return it to a branch as soon as I got it.

I just find it crazy that when a company make a mistake, no one takes ownership to fix it. No one contacted me to apologize. No one really cared. My bank account was in the red for almost a week due to BOA's mistake.

They have no number or anything. To find out the email address was incorrect. Followed up again and was told they would escalate the matter and would contact her department supervisor and one of them would call back by the end of the day. Nothing. I followed up the next day and semeam story, different day. The borrower has lost his rate lock and spent $125 and no one can contact the subordination department to resolve this matter. There are an abundance of complaints logged in forums on the internet about the same problem. Something need to be done especially since they are charging customers for this service and then not only not producing but not allowing any way of contact after paying a fee.

This happens on a regular basis. Several times, we have requested payments to be made. They should post within two days. Then, the payee will call and say that the bank has issued it and subsequently take the payment back. Now, since this take back processed has taken a week or more, we go on with our account activity as if they have been paid. Again, we have been seduced into overdraft.

They really need to revamp their overdraft charging system. We have attempted to recover these unnecessary charges. Once, we were charged seven overdraft fees for one overdraft as they repeatedly put through payments that they know are already being made on the account with insufficient funds. We did once protest and ended up with a $12 balance.

Weekly, my husband has to call about their ridiculous overdraft procedure. The government is soon to pass, hopefully a bill limited the bank's ability to repeatedly overcharge the account using this stupid overdraft policy. i advise all to write to their representatives in support of this action.

After several fraud filings, my account was credited only partial amounts for the NSF fees. The debits continued so I went to my local branch to seek assistance since the phone customer service representatives were of no help. I was advised by the local branch manager that the best thing for me to do was to close out that account and reopen a new one, so I did.

Shortly thereafter, I deposited a $2,000 check which was issued to me and was told by the bank branch that the funds for that check would not be available for two days. Two days later, I attempted to check my account online and was unable to log on. My password was "invalid" so I called the automated system and I was horrified by what I heard. My account was overdrawn $888,000! I quickly began making phone calls to the bank wanting to know what was going on. I was transferred to many different departments.

Finally, I was given a phone number to call the "risk department" so I did. The customer service representative advised me that my account had been closed because I had deposited a check from a non existing account and that it was considered fraud! Again, I was horrified, I quickly took time off from my job and went to the business who had given me the check. It was a very reputable car dealership who had given me a refund for a down payment I had made towards the purchase of a new vehicle. Since I changed my mind about purchasing the vehicle due to the terms, they reimbursed my money with a check from the company.

I went into the dealership extremely upset and advised them what my bank had told me regarding their check. They went to work on it quickly and contacted their bank who confirmed that the check had in fact cleared already with no problems. I felt like a fool! I then contacted Bank of America once again and this time, I spoke to a different person who advised me that the check I deposited was in fact good and had no earthly idea why anyone would tell me otherwise and then said that I was making the whole thing up! He then told me that my account had been closed because it had been overdrafted a numerous amount of times. I told him that the account was brand new and the reason I opened the new account was at the suggestion of the local branch manager.

I was advised that I should have never closed my previous bank account and that there was no record of me ever filing reports for unauthorized debits and there was no access to my previous account! I was mortified, I then asked about the money that was in my account when they closed it which totaled approximately $4,000 due to a recent payroll deposit in addition to the check I had deposited two days before. I was advised that I did not have access to my money and wouldn't for 10-14 days which was the time it took them to completely close out my account! I was furious! I had not a single dime in my pocket, my payroll check and an additional $2,000 was being held by the bank for no reason for two weeks.

I made persistent phone calls to get answers and all the representatives were rude, some were even sarcastic and would mock me by chuckling at the fact that I had no money and no access to my money. I finally got one representative to advise me that he had located the numerous unauthorized debits that I had filed and that he would take care of the situation for me. All I had to do was give him no more than two days to rectify the problem and reinstate my account. I waited the two days and still, my account was closed. My bills were due and I still had no access to my money. And to make things worse, I could no longer get in touch with the customer service representative who said that he would fix and reinstate my account.

I spoke to several representatives who told me that no such thing could be done and that my account was in the process of being closed so it would take an additional 10-14 days since I requested an investigation. I was desperate since I had no way of paying my bills. And now, I had to wait an additional 10-14 days. Once again, all my reports of unauthorized debits were nowhere to be located and all my information had somehow disappeared.

One month later, I received a check from Bank of America for less the amount that I had in my account. I once again contacted Bank of America and they advised me that they had a fee for closing out the account and since I had requested an investigation for the unauthorized debits, there was an additional fee assessed! In total, they kept over $200 of my money. I was fed up with the bank so I went to a local branch to cash the check I was sent by them. They refused to cash the check because, lo and behold, I didn't have an account with them and in addition, they told me that they had no way of knowing if the check I was presenting to them was authentic!

I showed them the letter, the envelope and the stub the check was attached to and the branch manager told me that they could not cash it because I did not have an account and that the check might be fraudulent. I told them that if the check was no good, then they would have to take it up with their "risk department" because that's where it came from. The manager and the employees were extremely rude! I finally made a scene by threatening them with a lawsuit, the branch manager then told me that he would cash the check but if it was no good, he would personally go looking for me! Bank of America Corporation are the biggest thieves I have ever encountered!

Every cent I had was held hostage for a month. I was assessed late fees for my home, my electricity was disconnected which assessed me an additional $100 to reconnect, my cell phones were suspended, I had to pawn some of my jewelry just to get gas and make it through the 10-14 days they claimed it would take to completely close out my account, which ended up taking 30 days. I had no money to buy every day essentials since I get paid on a monthly basis. Bank of America placed me and my family in a very bad situation for one month!

I tried to close the account twice but am unable to do anything until the restraint is taken off. The first time for this and the reason is because I want to close the account out. Now I have to pay all the fees accumulating now. We all realize that Wachoiva made bad loans and took a bailout from the government and must pay it back. This doesn't give you the right to screw the individually account holder. I didn't make your bad loans and I don't want to be screwed over by fees. Because of all this, I must start an anti-Wachovia blog on the internet. Just as soon as the restraint is lifted, I am closing this account forever. Shame on Wachovia Bank. I was going to transfer my business account over to Wachovia but there's no way in hell will I trust Wachoiva with so much money.

I went into our branch the other day, and they told me they could not do that? They said they cannot issue anything on letterhead. I came home and called the corporate offices, and they told me the same thing. They said, "Sorry, we cannot do that for you!" I am mortified to say the least. For one, we need this in order to adopt our child. And two, they lent us the money for the adoption and they have "adoption loans"! Is this for real? I feel like I am in the twilight zone and this is just a bad dream. I'm so disgusted! I called another bank, and they said if I open an account, they could give me the letter I needed that day!

After explaining my situation, he basically said, "Well, don't overdraw your account and you won't have this problem" then hung up on me! So after the holiday, I contacted the branch manager of my local branch where I opened my account with. She was able to give me $70 more back, but also tried selling me on opening another account or getting a credit card with them for overdraft protection. They are ripping their customers off and looking for the most profitable way to do so. I don't think this can possibly be legal. They made $201 off of my mistake. Now I could have handled the one $35 fee, but 9 of them. There has to be something we, as consumers, can do. This isn't the first time they have gotten me with ridiculous fees, but it is the last because I switched banks. I want my money back.

On 12/29, an expected larger auto debit of $305 suddenly appeared ahead of everything else. But this auto debit had been moved and processed ahead of the holds, even though it had a later date, resulting in all of the hold charges suddenly processing afterwards, and all at once, subsequently resulting in $280 overdraft fees. At the same time (all of this taking place literally overnight), the automatic deposit from the previous week was now being processed last, which was conveniently giving the bank the opportunity to take $280 in overdraft fees out of it. Their only argument was, "The larger debit had to be paid first, even though it was submitted last, and the holds could not be processed until they received the receipts from the vendors".

I guess they somehow just managed to receive all of those spread out hold receipts all at once. The bank also claimed that the deposit was not made until the same day it showed up on 12/29, but have themselves previously stated to me, that it takes several days for auto deposits to process and show up, which now contradicts what they have previously stated.

In five months, Bank of America has managed to destroy my retirement as I once knew it. I have had to sell off many things just to stay alive. I would like to say one more thing. There are two FedEx offices in David, Panama and I have pleaded with some of the people I have talked to and asked to have my card sent by FedEx and I would pay for it. It’s the same reply: this is not the place of Bank of America, yet the first 4 cards sent to me were sent by FedEx knowing that the contract Bank of America has with FedEx does cover delivery outside the United States. Merry Christmas, Bank of America.

If they were going to assess a service charge for closing, why wasn't this done the day we went in person to close the account. I don't think we owe them a thing. I'm concerned that if we don't pay, they'll start to charge us overdraft fees. I don't want to just try and work with these guys alone. The reason we changed banks in the first place was due to really lousy customer service. My wife and I currently have $4,300.00 worth of debt. We paid our mortgage off with BOA in May 2009, so we're not some of these folks who are disgruntled about paying interest on debt we owe. We just want to end business dealings with these clowns.

Should we get an attorney, because if they're saying we owe $8.98 as of 12-15-2009, I'm sure we're incurring overdraft charges according to "bankster" logic. Please advise. Oh, and my complaint is just that we closed this account and shouldn't have to pay a dime since we weren't told of the charges at the closing.

I discovered that, out of nowhere, when my account was at $178.54, the bank charged a whopping $105 in overdraft fees. My account was not overdrawn and, in fact, stayed in a positive $73.54! I kept looking at it it and trying to figure out where that $105 came in. This, of course, made my account so low that all my purchases for Christmas quickly ate up the paltry $73.54 until I was at a zero balance, at which point they began to count every purchase after that as overdrawn. I calculated all my purchases and saw that, had they not charged me that mysterious $105, I would have had enough money in my account to cover all my purchases except two very small amounts (I must have been off somewhere in my calculations while spending). With those two purchases, I would have been overdrawn a maximum of $70. It's still excessive but much better than $365.

If anyone knows of a lawsuit against this bank, please let me know. I'm going tomorrow to see if they will fix this/explain this to me, but I'm not expecting much from what I've read here. If they don't undo this, I will be getting an attorney.

(4) "Where are you getting all that money from?"

He then told me that he was going to close my account. I then called the account that he was going to close and spoke to Cathy. Cathy informed me that Seth did not close the account but lowered my line of credit. Cathy stated that she was not going to comment on what happened, but she agreed that Seth was right to asked those questions. By the way, I did not answer Seth's questions. My monthly payments are always on time, and I pay over the minimum payment each month.

When I called, it said my account was overdrawn by a ridiculous amount of money - over $800,000. So immediately I called customer service. The woman accessed my account and told me that it was closed. When I asked why, she told me that it was decided that it was to be closed and that there was nothing I could do about it. That was it. I was shocked and didn't know what was going on. I was never contacted by BOA that there was a problem. About two days later, I got them back on the phone and demanded to talk to someone about what happened. I was finally given a little information that it had something to do with a third-party check. I was not given any further info at the time. I am a father of four daughters ages 11 to 17. I am in the home construction business, and due to the bad economy I was recently laid off and have to collect unemployment benefits.

I have lost almost half of my income due to the layoff. I am the sole provider for my girls, so right now every dollar counts. We only had $68 after our bills to get to the next unemployment check (two weeks away). Without trying to contact me that there was a problem, they froze my account and we were left with no money and no full explanation. I went into the local branch where I opened the account along with my fiancee of 18 years and mother of all 4 of my kids. I explained the situation to the bank rep. She looked into it and it was at that time that I found out I forgot to sign the check. We explained what we thought was a simple mistake and informed them that I was supposed to cash the check that nothing illegal had taken place. They told me that because I had opened the account recently, I could never open an account with them again. We filled out a statement at the bank and had it notarized at the bank. We had the letter faxed from the bank to the main office.

I was told I would get my money back in about a week - no money. I called several times and spoke with several reps. All they could do was to say to put an escalation on the account (whatever that means). One rep told me my paperwork was received. Two more weeks passed - no money. The last time I called a rep told me that the paperwork had not been received and had to be re-faxed to an internal number that I could not be given. It made absolutely no sense. I wanted the number to make sure this time it was received and was told to take it back to the same person who sent it wrong to begin with. Is it just me or are they playing games? BOA has no regard for the common working-class family and I am disgusted. It has been 2 months now and we still haven't got anything back but a hard time.

The next day, she was hit with 3 overdraft fees totaling $105.00. I called the bank and asked for a refund based on my relationship with the bank. I have been a customer since 1995 and have several personal as well as business accounts. I also told them I thought it was theft to charge $105.00 for an overdraft of $12.00. I thought that BOA had put a stop to this. They informed me they could not charge the overdraft fees if it was under ten dollars. But they were charging a fee for an overdraft of .12 cents and $6.00.

I was given to a "supervisor," who was rude and asked me "Why should the bank take responsibility?" Well, I was angry and hung up before I thought of asking him why I as a taxpayer have to take responsibility for BOA in giving them a bailout. But anyway, I went online and chatted to a representative who gave me 2 of the overdraft fees back, because really it was the moral thing to do. Then, I see another pending $35.00 later that night. So I called, and the rep would not tell me what it was. She said I needed to call back in the morning. I knew what it was. It was another fee, because the two fees they were giving me credit for, which would post the next morning, had caused another overdraft.

I called the next morning (on the chat), and the rep either couldn't or wouldn't understand that I had not overdrawn my account but they did. She kept insisting BOA does not access fees on bank charges, but I showed her that's exactly what they did because if it had not been for the fees, they should never had charged in the first place and that they were giving me back. My account would have not been negative but up by $70.00. She just could not comprehend it. So, she left the conversation and just ditched me.

I called on the phone and got someone who at first could not grasp the logic of what I was saying. But after we went through the debits and credits together, she finally understood that the overdraft was not done by me but by BOA. She said, "We gave you the two fees back, because they were charged for overdrafts under ten dollars." I said, "Yes, and if you had not incorrectly charged them, this would have not overdrawn my account thus resulting in you charging me again." She agreed with my logic and refunded the fee.

I can tell you what is going on with BOA. I worked for BOA for nearly ten years. They used to stress customer service and common sense, looking at customers relationships and taking a personal interest in them. They started weeding out the "old timers" by asking them to become salesmen instead of tellers, demanding unrealistic quotas from them and in general making it miserable to work there. I did not quit because I couldn't meet their demands, because I did meet them and then some. I quit because they started wanting us to stop "thinking" and treat people like crap and con them out of their money. They bring in these new tellers, whom they have trained to not use their common sense but only go by what BOA has told them.

Who cares if someone has banked with them for forty years? If they overdrew their account by $5.00, they charge them! It's ridiculous how people have become numbers and not individuals. Screw BOA! They are cons and thieves. Put them under and take your money somewhere else where logic and common sense are stressed as important tools when dealing with customers! They are a bunch of mindless idiots there!

I have never heard of this before. Bank of America, you are un-American! I have had accounts with you before and closed them. It was nothing but headaches. My daughter has now returned to New Mexico and had to deal with the same issue here. But she is getting her old job back that not only has plenty of money in their account to back up their checks (unlike Boston's Gourmet Pizza), but she will not get paid $6 less every 2 weeks just to cash the check! Someone really needs to do something about this fee.

The following Monday, I noted that I had 4 overdraft fees of $35.00 each. I called BOA and they indicated that I had made my deposit after the cutoff time for that business day (which they say is 7 or 8PM, depending on who you talk to). The four transactions causing the overdrafts all occurred on Thursday with a debit card, which usually means that the money is removed from the account immediately. If this had happened, there would have been only one overdraft transaction on Friday instead of four.

In any case, I thought the new ATM machines that automatically count your cash meant that a cash deposit would be credited to your account on the same day that it is made regardless of the time. Not so, they still have an earlier cutoff time even for cash deposits at an ATM. I called BOA and they, of course, refused to remove overdraft fees. I'm working my way up the line, but I am not hopeful so I guess I will find myself another bank. You would think that BOA would be a little concerned about their image, but they just want to make as much money as they can so they can pay back their bailout money and get back to their executive bonuses and perks.

You see nothing but greed has caused this ten-year plague to fester in my life. I have long forgiven my sister for her desperation and greed. However, the slick car salesman was well aware of and enabled my sister to use my identity. He knows I was never at that rundown dealership purchasing a broken down used 1995 Mazda. I only purchase new vehicles. It was his greed to receive a commission for selling garbage to a consumer. Then there is the greed of the car dealership who needed to dump inventory before having to pay extra taxes on overstocked/unsold inventory. You see the owner or a supervisor also allowed the theft of my identity because I was never on that dealership's premises. I was where I am right now, in Fort Valley, Georgia. I bet if I look at my cancelled checks, I will find a copy of a check I wrote here in Georgia the day the papers at the dealership were signed. I also know a handwriting expect picked by you who would say that it was not my signature. I wish I could say the plague stopped there but it was clearly greed when Sun Trust financed the car.

Sun Trust knew who paid the late payments; they knew when the car was financed. They knew where the car was in Florida and everything about the car. Judith ** of Sun Trust would call and write me about my sister making non-payment or late payments. From my very first awareness of information about a car bought in my name, I stated verbally and put in writing all this was done without my consent. These past ten years of dealing with this plague has been an experience I would not want anyone to have to deal with - it has been extremely annoying and painful.

Sun Trust tried all kind of Mafia tactics to scare, intimidate and break me down. They wrote me threatening letters (included in the February 2008 letter). They called, harassing me on the phone - I have recently located my phone log. I documented in 2005 62 calls between August through December. I will enclose a copy of my phone log with this package. Through the ten-year plague, they mostly threatened to mess up my credit report, turn me in to IRS, and one time they had the audacity to call me at my job. I thought it was an emergency medical call about my mother who at that time was hospitalized. That was a time that I was not very cordial to them. Sun Trust even hired professional firms, Vengroff, Williams & Associates Inc, also Douglas, Knight, & Associates Inc, to perpetrate fair debt collection practices. I must have said this 988 million times for the last ten years, I did not purchase a car in Miami, Florida!

Then the Goliath, greedy Wachovia Bank, entered into my life. I guess greedy Wachovia thought they could squash me, a small town individual. What I have learned from this ten-year plague is that greed is Wachovia's motive for existing on the planet. I see why you lose class action lawsuits. You try to bully small town Americans. I won't lie and say that I was not afraid of you. About seven years ago, I began experiencing anxiety attacks every time something came in about my identity theft. Then I learned to face the monster, stand up to the monster and fight back. That's why when you, Wachovia, acquired Sun Trust and decided to attack me and make me pay for my identity being stolen and about $5,995.00 on a car that was repossessed in 2001 or 2002 and resold - you did not know who I had grown to be, a survivor. What does not kill me can only make stronger. That is my personal motto.

It was your blatant threat to turn over information to IRS that made me mad and forced me in February 2008 to write BBB, OCC, IRS and all others I sent copies to in 2008. BBB and OCC both wrote me back and said that you said you were going to settle and clear everything up. Well they, BBB & OCC must believe in legends, myths, and fairy tales. I believe in only what my eyes see and my ears hear.

BBB, OCC, IRS, and others, I hope you are still reading because my ten-year plague caused by greedy Wachovia Bank is still going on as of today, December 20, 2009. Greedy made and acted out their threats to me!

Threat #1 was when greedy bank, Wachovia, said they would mess up my credit and they did, by placing negative information on my reports. I know they told you, BBB & OCC, that they would remove the information. My 12-year-old niece googled me this week and questioned me about when I ever lived in Florida. I have always lived in the state of Georgia. That let me know that Wachovia, the greedy bank did not do what they said they would do. So I am happy to say I did not and will not sign that claims release form; I claim and I blame Wachovia for this ten-year plague!

Threat #2 was when greedy bank, Wachovia, said that they would turn in financial records to IRS - and they did! You see IRS contacted me in August 2009 and said that I owed IRS $988 for tax adjustments in 2007. Wachovia said that I did not include $5.995 income increase on my taxes for 2007. The reality is that since I would not be intimidated into giving greedy bank, Wachovia, $5,995, they turned in false documents to IRS, another greedy blood-sucking leech. I know I am not the only person on the planet that this bank has persecuted - I thank God for class action lawsuits!

Now I spoke with an attorney and he advised me to send IRS all the information I had disputing the claim but don't send any money. I sent the February 2008 letter with all the enclosed documents; however, I did enclose a certified check for $988, fear of IRS. I thought surely IRS got a reader who sees my ten-year plague and they will return my money. I waited and then I called and spoke with an IRS representative - I don't remember the male's name. All I recall is slamming down the phone because he said that I would not get my money back! Then on December 17, 2009, I received a certified letter telling me I was not going to get my money back; I owed the $988.

I cannot understand why! Wachovia, greedy bank, you were able to pull off one last scheme of total fraud against me! When you could not force me to pay for my identity being stolen, you hurt me by submitting false documents to IRS.

IRS, you fell for a lie. The car was repossessed and resold in 2001-2002. Wachovia and Sun Trust both have written that car off as a loss on their corporate taxes. They waited at least five years to inflict more revenge! How is this possible in a democratic society - oh I know, Corporate America - mega banks and businesses call it Fair Debt Collection Practices! Lol, I am truly laughing!

IRS, don't you think for a minute that I am going to allow you to keep what is mine. Since you are following up on me, go look back at all my other tax returns, especially look at the year I had to pay. My great aunt Bessie filled out my taxes that year and I know she made a mistake. So you need to calculate and include all the interest you owe me and everyday you keep my $988, holidays included, I am calculating interest. You see so many small town Americans like myself automatically grow up to fear the all powerful IRS. I used to fear you until lost respect for you.

To resolve the problem I demand that Wachovia immediately stop and cease this ten-year plague and raping of me, that Wachovia make all corrections to my credit report and evaporate from my life; all traces of me living anywhere other than Fort Valley, Georgia are to never appear by my name, repair and correction to my tax records with IRS. Don't even attempt to try and connect my sister to your impending downfall Wachovia. You caused all this because of your insatiable greed!

New laws and/or regulation guidelines must be implemented to protect small town and all Americans from this type of unfair debt collection practices! IRS, review and refund with interest all money illegally taken from me, etc., etc.

I do not look forward to hearing from you and nor do I expect you to adhere to the resolution of this problem. I will not wait for another minute before I hire my own personal team of lawyers. Please do not waste my time contacting me at the above address or by phone; I will see you in court in 2010! You have done all you can do to me at this point and time! Now I am standing and fighting back!

I was lucky they cancelled the account without any fuss. These fees have gotten totally out of hand. I've been with BOA for many years so I didn't want to have to start over with another bank because I've already established a relationship with them. Also, I'm a veteran on a fixed income right now, so these 2 fees put a big dent in my budget for this month.