Bank of America Reviews

Few instances are as follows: Business Account - We get a check from our customer drawn on Bank of America account (customer also has account in BofA). My accountant goes to the branch and the branch puts a hold on the customer’s account as there is enough balance and we are told that since we have put a hold on the account, our check is guaranteed. After a few days, we received the same check back from the bank as unpaid. When I asked the branch manager, she says there is no guarantee even if the hold is placed and she cannot do anything about it. There is a discrepancy in what the branch manager has said and what the bank associate has told. It appears that they are not well trained and always give conflicting statements and the branch manager is unwilling to accept the mistake and say sorry (Bank of America, San Leandro Industrial Branch). Her tone was also very rude.

Personal Account - On Nov 10, 2009 (at 10 am), I went to the branch (San Leandro Industrial Branch) and closed two CD accounts and transferred the same to my checking account. I asked Sunita, a bank associate, if the funds are available right away. She said since it is a transfer from one account to another account, yes I can use the funds right away. So, I went back to my office and opened the cash maximizer savings account. I checked online to make sure that the funds are available and they were available. On Nov 11, 2009 in the morning, when I checked my online account, I was surprised to see that the transfer entry is missing from account and my balance has been shown as overdrawn because of transfer funds to new savings account. Please note there was no money transferred to my savings account and only hold was placed on my checking account which triggered the overdraft. Also somebody placed the hold on $90,000 (please note it is only a transfer from one account to another account). The bank was closed on Nov. 11, 2009.

On Nov. 12, 2009, I called the customer service and requested to fix the problem. They kept transferring me to the different departments and the problem was not resolved. So I went to the branch. This time, Ms. Gloria helped me. She was nice enough to call the CD department. As instructed by the CD department, she credited my account with the two CD amount interest up to 11/12/09 since the CD was not credited to my account on Nov. 10. On November 13th, I checked my online account. I was surprised to see the following: 1.) credit totaling to two CD amounts made on 11/12/09 was reversed; 2.) I was charged an overdraft fee of $3; 3.) I see credit of CD but with interest up to 11/10/2009; 4.) Hold on $90,000 since Nov. 10, 2009. This should have been transferred to saving cash maximizer account on 11/10/2009. (The hold is still there as on 11/13/09, 1:08pm). I called customer service. They told me that I need to go to the branch. I again went to the branch and Ms. Sunita came to help me.

Branch manager approached me and told me to talk to Ms. Gloria. She was nice enough to reverse the $35 overdraft fee. I requested that I should be credited with my two days interest on the CD. It was credited to my account on 11/12 and not 11/10. She went to the branch manager and returned to tell that as per branch manager, I am supposed to read the fine prints on the deposit slip which says funds are available subject to verification. Please note that on 11/10, Ms. Sunita informed me that funds are immediately available as this is only a transfer from one account to another account and that were actually available when I transferred the funds to saving account. This kind of answer is really irritating. Also, please note that it was only a clerical error on the part of the bank and not because the funds were being verified as the transfer was as good as cash. If it was really a case of verification, the CD department would not have instructed Gloria to transfer the funds again on 11/12/2009. Actually, the CD department could not trace the entry of 11/10/2009 as somebody in the branch forgot to post the entry on 11/10/2009. The bank needs to accept the mistake. I am told that the mistake is mine as I did not read the fine prints as the funds are available subject to verification.

Bank of America really needs to train the managers’ customer service and learn to accept the mistakes as they are representing Bank of America; otherwise, they will lose valuable customers. The branch manager should know that the money has been transferred from one BofA account to another BofA account which is like depositing cash. Also, she needs to learn to honor the words said by her associates and her subordinate staff rather than contradicting their statements. It gives us the feeling that the branch managers, the head of the branch, have no accounting sense and are untrained. Just for your information, 10 of the customers of mine who used to bank with Bo A have closed their accounts and moved to Wells Fargo because of poor customer service. Until now, there is still a hold on my $90,000 and I am losing interest on the same at the rate of $1.50 per cent. Also, it is our hard-earned money we put into the bank believing that the money is safe there. But the branch manager acts like as if that money belongs to them now and they can do whatever they want and make us beg for our own money. It appears that Bank of America has no training at place and they just make anybody the branch manager. Also, please note that I am a customer of Bank of America for more than 15 years but they do not care.

This doesn't even cover the overdraft fees. Considering that I was denied overdraft coverage 4 years ago and had closed our savings account in February, I couldn't for the life of me figure out why my card was never denied and I was able to incur so many fees. I do understand that keeping a balanced account is my responsibility, but I also find it hard to keep an accurate balance if my husband and I share the same account. I was advised to use all transactions as credit to give us a few days to recalibrate. The problem is, unless I checked on line every day, this still wasn't happening. I then spoke online with Adrian (my preferred method now as I have in writing what I am being told) and was told that I would have to turn my overdraft off and that it was on as a courtesy to me. When I asked how that could be, he said I should call the 1-800 number. The transaction fees this time was $140.

I called the number, but it was a week later as it was inconvenient for me to call before then. I called flying off the handle as my house payment was put in 4 days early and had 5 transactions in the red. I was informed there was nothing she could do. I told her not to tell me there was nothing she could do when the least she could’ve done was inform me that my overdraft had indeed been turned off instead of neglected through error. She confirmed this at this time. Amazingly, there were no fees. Then today I look on my account. No red transactions, but 3 overdraft fees? I made another online chat and this rep, Brady, informed me that my overdraft was not on and gave me the 1-800 number. After being told they had no record of my request and therefore the overdraft was not turned off, it would be an additional 5 days before they could “make it official” (another $140).

My gripe this time is that my hubbie used the card for a $2, $3, and $10 over the weekend and I paid my electric bill on Monday (credit card authorization only). I went to the check cashing place the following day as the 3 transactions had gone through and the electric was still “pending” and deposited cash to cover the difference. I can't understand how I have fees for the 3+1 and not just the one? I also asked why I should have fees period as I had asked 3 times 3 weeks in a row to have overdraft turned off. Anyhow, if you have any gripes with BOA, I would suggest online chats and then print or even a phone conversation recording device. They are very inconsistent with their practices and I have probably wasted a house payment on their fees this year alone.

Finally, one person told me that my wife had been offered a savings account that would automatically transfer $25/month from the primary checking account. I asked to speak to the person who authorized this change and they refused to give me a name or even put me through to that person. I wanted to get an answer as to why they canceled my overdraft protection when we signed up for a simple savings account. I do not understand what relation there is between an overdraft protection with a savings account. It was never explained to my wife and they said that they sent a letter of notification to our home, but we never received said letter. In lieu of this situation, I had to take out a loan of $5,000 with BofA just to cover penalty fees that they placed along with monthly bills.

Since that was 5 years ago, I asked for the information to be sent to me again. What I received was two lengthy pamphlets, in small print and could find no information in this as to a fee if direct deposit is not used. I again called the customer service and asked them where exactly I could find this information and was told that she did not know. I am going up to my branch and see if they can help clear this up. When I asked when I could expect the next $8 fee to be taken from me, I was told that the date changes every month and that I could figure it out by looking at my statements and could know about when it would come out. This is crazy. On top of them taking this fee without notifying me, if a check bounces (due to this fee) I am charged another $35.

I explained I no longer resided at that address and was unclear why that address was associated with my new account. No one was able to provide an answer but assured a new card would be mailed to my current address. I received the card, and after checking my account balance, I discovered the account has been compromised because the resident at that address activated the card, made withdrawals and purchases with the card. I went into the branch and spoke with another representative who was very rude and made what I felt were accusatory statements as to the events that occurred and that I was in some way at fault for the misuse of my card.

I went into the branch and was advised by a very nice young man that they had gone in while speaking with me and decided that they were not going to refund any of the fees. He could only assist me with two of the fees. He did and I was extremely thankful. I was advised that I could contact the Consumer Complaints department and perhaps file a complaint. Maybe, they would refund me something else. When I called, they advised me that since my account was not overdrawn, they would not do anything for me. I could feel free to file a complaint and they would write me. I have been waiting since then. I have since received two more fees. These fees consume more of my income than I can afford.

This bank was always very helpful while they received my direct deposits while I was working. Now, they charged me $8.50 per month even though I mail a large deposit for the same amount monthly. I paid extra to get this deposit to them, and they did not perform their service. I should be able to back charge them a fee. At the least, I would expect to get credited for my $17.60 expense, but in reality, I should be able to charge them for inadequate service. My family owns stock in this bank and this is the disgusting service you get.

They are just employees - I get it - but I don’t need advice from a girl that I would not even hire in my own business. I am all about business and less government and believe that people can make the change, but when all of these banks are doing the same thing the little guys has no chance. Write and complain. Or let’s figure out how to start a different type of banking system. I am tired of it and will be looking for a new bank (may have to go small to not be robbed - local banks, here I come) and all of my business and clients will not use Bank of America.

I admit and own the initial $35 overdraft fee, but it's this new extended overdrawn balance charge that I have a problem with. I contacted BofA at their 800 number twice regarding this issue and was told both times that they could not reverse the charge because it was corporate policy. The first time was shortly after the initial $35 overdraft fee on 10/06/09. This second time was today on 10/27/09 and I spoke to a supervisor named Brett. I received the same response today. I am outraged that banks are allowed to institute these random charges and fees at will without any oversight and it's the customers who are hurt the most while upper management of these banks just get richer and richer. It is completely unfair.

Before I enrolled on banking online, they used to take to take out of my account $20.00 maintenance fee when an account falls below a certain amount and by the time the monthly statement come out and I call them about the errors, they always give a bogus excuse. Last year, when the market was in a very down fall and money was taken out of my 401K (Hartford) account, I was able to get a 3.45 rate with BOA since I qualified to transfer funds to another institution. I had her to fax me the rates.

Hartford faxed me the forms the next day. Three days later I called back to BOA - what happened to their fax? No one knew anything about it, so I asked to speak to the manager, which was told he wasn't in. When I finally got to talk to the manager, he said he couldn't give me 3.45. When I told him I had a fax, he hesitated but asked me to fax it to him. Also, all forms had to be originals, which Hartford had told me that everything could be faxed to get me into BOA fast and originals could be forward later. It took BOA over a month to finalize everything, which still cost me over $7,000. When the statement came out, it had a much lower rate than the 3.45. I called back again and was still getting nastier attitude from the clerks.

Lately, BOA is taking a dollar out of my account whenever I use my ATM card. I have gone to the bank about this, which no one explain it legally. After questioning them, they say I need to talk to my on-line account agent, who then say go to the bank and talk to them in person. I have heard that this is the doing of the company that I made the purchases, that BOA hold on to this money for 3 business days to assure that I have funds to pay the company and then it falls off. When I question "falls off", they get a serious attitude and have had some of them to hang up on me. They say that if I don't understand, then they don't know whatever else to tell me. This debit is happening more and more, 2 or 3 times a month. The Reward Platinum-Plus Visa has a negative 01 and I have never used that card and didn't ask for it. So, now, am I going to get interest charge against me?

So, why don't I change banks? Each one of the accounts matures at a different time and I will still be penalized. And they know this and that's why they are treating me, the consumer, as such. Help. If I withdraw my account, I will lose a sizeable amount.

The woman I spoke with was the same woman I spoke with on Monday, and she put the request in for a refund. It took a few seconds and Bank of America sent a message back to her with a $49.00 refund. With the $49.00 refund, I was still being charged $206.00 total. I left the branch office and went back to work to call Bank of America and file a complaint. When I got a Bank of America Associate on the phone, she was very kind and helpful and found that I had the "Stuff Happens" overdraft fee “forgiveness” in my student checking account file. She credited back one of the overdraft fees which has now brought my fees to $171.00. I wish Bank of America could have given the "Stuff Happens" overdraft fee forgiveness to me for the original online transaction that started this whole mess, but they say that is not how it works. The way that transactions are charged to my account has been explained to me now, and I am willing to pay the $35.00 overdraft fee for the transaction via the internet that took place on 10/15/09, but I am not willing to give up and pay any more than that. These fees are extremely excessive considering my account never went under -$25.00. I will not be able to pay my student loans until next paycheck, which means my rent will be a week late as well. Basically, I lost most of a paycheck.

Well, that following Tuesday morning I checked my account balance online and found my account to be in the negative over $250.00, not including overdraft fees imposed that came the following Wednesday, and was charged over $350.00 putting my account into a negative (total negative balance of close to $600.00). I went in to see why this was and the explanation that I got was that a check that I wrote cleared first that Monday night and at the same time all the check card transactions posted. They said that no matter what they always process the largest item first. They are also telling me that they have to pay all card transactions no matter what because they are all ready authorized. So instead of sending the check back unpaid for NSF because I do not have any check guarantee or any accounts linked to checking to provide overdraft protection, they paid the check first before any already authorized transactions against the account that were already pending.

This is the second time in as many months this has happened. Last month, the same thing happened and it cost me over $300. I can’t understand why the check cleared before any already pending card transactions. The only explanation I get is that they clear any large transactions first before any large amounts first because they are usually a mortgage payment car payment and the customers have told them that they would rather have it that way. When I opened my accounts, I was not asked any thing of the sort nor was I ever notified in writing that this was going to be a standard processing policy. Now, this is the only account. The consequence, including both accounts, amount to a total of over $1,200, causing severe financial damage. I can’t afford to pay bills, buy food, or much of any thing else. I am employed and have been now for over 5 months.

I spoke in an online chat to "Christian" that same day. He told me that funds transferred between accounts would be made available same day, but would not post until the next business day. I took that to mean that the bookkeeping part of the transaction would be handled the next business day. He also said there were no fees assessed to my account. On October 21, a fee of $35.00 was charged to my account on October 20th.

I contacted "Desiree" online. Although I asked where my money went for three days, she didn't answer. She told me there was no "processing error" made on my account. As a courtesy, however, she did reverse the charges. Complaint: If BofA can backdate a debit transaction (which the tuition company did not process until next business day), why do they not back date a funds transfer? I had no access to these transferred funds from the account they came out of, but according to bank rules, neither did I have access to these funds before a new business day had passed.

Question: If I had physically entered a BofA office, gave them cash to put into my account, this deposit would not post until the next business day (according to bank rules). Yet, they can use this same cash in transactions to other customers, which results in free use of another people's money without recourse. They will go back and debit the account the same day as the transaction was made, but not credit the account until the next business day. Quite a nice arrangement there!

Two weeks later, I traveled to Arizona, and the same thing happens. I go into a bank that is close by and instead of helping me, she says that I just need to call the 800 number. I told her that there is no way to actually talk to a person, and she says that, "Oh just cheat, and press #00." How are their customers expected to know that? She said that the bank does this often, and that it is for the customer's protection. I don't see how this can be beneficial to customers, when no notification is given, and then when you try to get help from any local branch, they refuse to help you.

A month later, neither payment has been taken out. I called to ask why and was told I cannot access the account because it is in my dad's name. Keep in mind that I have been paying online with no problems for the past four years. When my parents called them up, they were told that they are not allowed to make a payment because they need authorization from me to take the funds out of my account.

So, we have to jump through several unnecessary hoops to resolve this issue after I have already supposedly paid. According to my Chase account, the money has been in my account and BoA never attempted to withdraw it. I have paid my bill but am dreading next month's ordeals. This is just the latest in a long series of bad experiences I have had with BoA. I have one year left on my car loan and I will never use them again!

Well, each transaction I had made, I followed up to make sure there was money available. One withdrawal took place in the amount of $20 from the Bank of America ATM. Prior to the withdrawal, I reviewed the balance which indicated that the funds were available. Needless to say, that transaction incurred a $35 NSF fee as well. I'm out of $175 due to the bank telling me the money was available but wasn't. Had the one check been returned, I guess I would have been without $35 instead of $175. This system in place does not work for the customer but profitable for the institution.

The next business day, I made another deposit, in addition to the transfers previously made on the 11th. Since I had been informed that my account was in good standing, I proceeded to use my available funds as I deemed reasonable. Much to my disappointment, I discovered a few days later that I did in fact receive a $35.00 NSF charge against my account. To make matters worse, Bank of America has decided recently to implement a policy that will deduct another separate $35.00 fee if funds are not made available within a specific deadline.

This required due date does not take into consideration any ongoing positive transactions history, such as automatic payroll deposits. I was never formally made aware of the revised overdraft payment terms by Bank of America and only learned about this over the phone while on hold for 30 minutes or more. The Bank of America representative only identified as Kirsten would not help resolve or offer any type of suggestion as to how Bank of America would assist a long-time customer with this unique situation.

I got my ATM card in the mail, and a few days later, I got a second card that turned out to be a credit card. I didn't realize that I had signed up for one. Apparently, that was my overdraft protection. Any overdraft would be charged to this card. I did not activate this card, and a few weeks later, a BOA rep called me, asking me to activate the card. I refused to activate it and assumed I would not have to worry about it. I'll get back to that later.

The next thing that I found out was that I was getting charged $2.00 for transfers from savings to checking. I had a few other minor issues, so I decided to close my accounts with them. I should have been more careful, but after I closed my account, an auto payment came in from the electric company. I had no account, therefore, no money to pay it. So, BOA charged to the credit card that I never activated.

I never found about this until several months later when I was checking my credit and found that I was over 120 days late. The electric bill was somewhere around $150, and BOA wanted over $600. I called BOA, and it was like talking to a wall. There was nothing they could do. They didn't believe that I had not activated my overdraft card. In order to clear my credit and stop the accruing penalties and interest, I had to pay them off. I paid them what they said I owed, and at the end of the month, I got another bill for a dollar and some change. Apparently, this was some sort of interest. I stormed down to the local branch and asked them what I needed to do to remove their fangs from my neck. They waived the fee. How nice of them!

We checked the next day and seen that the bank backed out the check. As a result, I had charges bounce and of course, the bank charged $35 for every charge plus they took 10 days to return the BofA check back to me! I told them to close the account and that I am at home too ill to go into the bank. Now, they are charging my account extended overdraft more $35 fees on the same charges. My contractor finally took the check to his bank (not BofA), cashed it and made a deposit for me, but these overdraft charges for were so unfair and unethical. Help.

I went overseas and I requested to close the account for lost of information. The bank's answer was they couldn't close the account because every time something post, it will reopen the account. This is nonsense. The amount specified was only from June to the end of September. I am afraid to go back some more. I contacted the executive hotline, and somebody named Kim ** listened and researched information in the account. Kim from the executive hotline told me that a hold was put to the cashier's check (coming from my 401K) and that I was informed. How can she tell me what I have or not been informed?

I also explained the issue with closing the account and she researched on my attempts to contact the bank and was able to verify. That is when she offered the $600 as a courtesy from the Bank, stating the bank made no mistakes. Even though the amount was $5,550, at least $4,900 of that amount should have been available to me or at least I should have been informed of the hold. Because of that hold, my life became a nightmare and I feel that I have been victim of crime. I also researched when this check was cashed and the check was cashed the same day by Bank of America, meaning their systems to collect this money works perfectly.

I see paying $35.00 on the. Then when going in the branch, they told me on October 19, 2009, they will not be charging. So I said to hit with it now. Then, I had them close my savings account months ago, and they got me there too. In August, I closed it and they gave my money back. Now they're doing it again. I guess the government is going after them; they're going after poor people. I told them if they do this to a million people, they get all the money back before October 19, 2009.

When I was told that I didn't have overdraft protection, it was just that it wasn't under my name, but there was overdraft on the account. I was also not told that the existing link that my soon to be wife had established for her overdraft protection on our account was broken. We spent a lot, card didn't have room, but we had it in savings. Next day, 10 overdraft fees (10*$35). I called, explained, and they said they would return six as a courtesy. Next day, because of the 10 fees, and before the six were returned, two more hit - 12 OD fees in two days (12*$35 = $420). But because they did me a courtesy, and it was not a bank error (CS supervisor), they could not extend the courtesy any further. I tried to explain that I was misinformed about not having OD protection against the account. I did not, my wife did + same account = there was OD protection, and I was not informed that the link would be broken.

When asked to please pull up the IM conversation that I had thinking this money stealing giant could afford the technology to afford something like that, I was told that they could not. Then I explained how amazing it was that they couldn't. I was told that they are recorded randomly, and would take some time to find, if there is one. I had time and asked them to try to locate it. Then, he went into my account history, and pretty much tried to call me irresponsible with my money in the past, so why would I have it now? I tried to explain but my word was not good enough. He could not just go off of what I was telling them. Customer stopped being right when they knew we had to pay taxes to bail them out anyway.

Consequently, that $35.00 fee dropped my account down to when the next $16.93 auto payment came in. It did overdraw my account, hitting me with another $35.00 fee. But my savings overdraft did kick in, covering the overdraft. But I still got the second $35.00 fee! I called in, and the gal I spoke with did not check my account. She just explained overdraft fees, didn't reverse anything, and told me to try my bank personally.

I immediately went into my bank with all of the proof. The manager studied my account and had to call over another person, and then she stated that because I had made the online transfer from my checking to my savings of $50.00, there had been a "hold" put on my transfer! That in turn triggered the overdraft fee, because the computer did not detect the funds in my savings due to the hold! She said my money was definitely there but in some sort of cyberspace due to the hold! I asked why would there be a hold on my transfer when it was only from my checking to my savings and especially because there was no "pending" on the transaction and there never has been when I transfer between accounts?!

The manager understood but said that because I had already called into the banking center first, there had been a determination on these two transactions and that therefore they could do nothing. I left the bank in tears. Then on October 2, after $1,500.00 had been deposited into my account with no issues, another $35.00 fee showed up just randomly with no reason - there's no overdraft, no nothing to attach to it! This is now $105.00 in overdraft fees when the money has obviously been in my account to cover any payment, and yet, I am being extorted by my own bank!

Our Congress needs to come down hard on these greedy banking criminals and reel in their unethical, country-destroying, damaging behaviors which result in ripping food money right out of the hands of hardworking citizens.

Before I stepped away, she stopped and said she had just noticed that the name on the Eppicard wasn't mine. I confirmed it was my husband's and I was depositing it in our joint account. She then told me she had not yet deposited the money but had done a cash advance for the full balance. She became very belligerent. She took the receipt she had given me back and left the counter again. After quite a while, I saw her at another counter. I approached her to find out what was going on and she said she was going to reverse the advance. I told her not to but to ask for the manager. While I was waiting, I saw another woman approach her and the two of them huddled at another counter for a while. Afterwards, they both approached me handed me the Eppicard and said the whole transaction had been reversed and told me they would have nothing else to do with it.

It is now 10/4 and the balance on the Eppicard is still zero. Both my husband and I have tried numerous avenues to get them to tell us what happened to our money but they refuse. They contend that now it's a problem between us and the Eppicard. My contention is that if they were not authorized to do a cash advance in the first place, they should not have. This was their first error. They tried to make the error disappear by reversing the transaction and washing their hands of the whole thing. However, since they were the last people who held the money, it was their responsibility to make sure they gave it back. Bottom line is, we are out our money and the last people to have it just won't cooperate in any way to find out what happened to it. Any suggestions?

The rep told me that they don't have to forewarn me, they will not release my funds and that I needed to wait on the cashier's check. I asked her what she expected me to do while they held on to my money for 3 weeks. She said she didn't know, that she had done all she could do to help me. I asked for a supervisor and was promptly hung up on! So, in the meantime, I have a 12-month old, a 6-year old and an 8-year old that I have no idea how I am going to support or feed because Bank of America won't release my funds to me. I mean where is the humanity? Was it not part of my money that bailed them out not too long ago? I mean I did just recently become disabled. I'm only 27 years old. It's frustrating and heart wrenching to know that a company that calls themselves the Bank of America can act in such a sleazy gutless way! If anybody knows anything that will help, I'm listening.

She tried to correct the situation by depositing $180, $400, $100 over this three day period, but could not keep up. I thought the banks (with their millions in bailout money) were not supposed to create a hardship to those who are in a hardship situation already. I assumed (unfortunately) that the bank's charges must reflect administrative costs to them and cannot be punitive. For a total of $112.82 in debit charges made by my daughter, B of A charged her $875! This is a crime. She incurred 20 overdraft debits (most of which was because the bank put her in a negative balance with their own fees!) and the bank charged her 25 charges!

I made a $38 online transfer last night at approximately 11 p.m. from one checking to another checking because I was $0.91 overdrawn. The transfer is still pending today and my account showed as overdrawn last night. If the new rule about transactions under $5 were not in place, I would have been subject to a $35 fee, which I suspect is precisely what BofA is looking for.

In other words, don't believe all the info on their site because it quite simply is not true. "Immediate" to me means exactly what it says, immediate with no cut off time as it has always been until the new adjustment to overdraft fees which puts the bank in a good light. I can't wait to find out how many others have found out about the change and been subject to money taken. BofA is guilty of false advertising.

My husband mentioned to the manager that he was charged twice and not once and the manager mentioned that this procedure is actually legal. Frustrated, my husband asked to speak to another manager because he didn't understand why BOA charged him twice and claim it was legal. The manager then replied that if he wants to speak to someone else, then he would transfer him to someone. My husband agreed to the transfer and the manager transferred him to 1-800-suicide. Irate, my husband gave me the phone where I spoke with the operator of 1-800-suicide and saw on my phone the number to BOA (1-800-432-1000), indicating to me that he had called BOA and was transferred to a suicidal hotline.

This is disrespectful in every way thinkable. This is an insult to suicidal individuals, as though it is a mockery to the pain they are experiencing, and it is an insult to us. I am very disappointed in BOA. I have been with BOA for six years, and due to my referral, my husband for 6 months. We are disgusted by the gesture that was made by the manager. I am appalled and irate, and disgusted that such a high-profile bank could stoop as low as insult their customers by transferring them to suicidal hotlines, whenever discrepancies are found in their accounts. This is definitely not the first time that I have been annoyed being a BOA customer, and have contemplated leaving this bank. But this is the straw that broke the camel's back. I am so disgusted by such a despicable act made by the managers of the bank that we are currently making the arrangements to leave the bank. Something needs to be done in order to ensure that BOA does not continue to insult their customers the way they have insulted my husband and me.

Why? The first 2 items were received on the evening of the 16th of Aug. and the funds were available then. But then on the 17th of Aug., an item came through and that is the one that should have the overdraft fee. So what did they do? They held on to the items that hit on the 16th because of the weekend, and then posted all items the night of the 17th. They refused to refund the 2 NSF charges of the 16th. So basically, this company is a greedy so and so. I have closed all of my accounts with them, which were numerous. Even the branch managers won't do anything because they now say that CS removed the funds and they cannot override it. That is a bunch of **!

I was employed by various banks for over 15 years, and the manager can override any fees they want by doing a debit from their operation account (similar to petty cash). So this only proves that the banks are nothing but a bunch of crooks! They take our money and when we ask for a loan, they refuse!

Then a couple of weeks ago, I got an email that said that I had a balance in the original account (the first account before I closed it and opened the 2nd in BOA) and I called to have the money transferred into my account at my new bank. I did everything they asked and days later, there was no transfer and no communication from BOA. So, I checked online and they had moved the money into the 2nd account I opened and closed the first again, and they still had not moved my money. I sent an email and told them to transfer the money and reverse the fees they charged me b/c I did not authorize them to open the account again nor did I know about it until this month.

They had it documented that it was in the account since March of 2009. It is now September. I got no reply and clue as to what their plan was. So, I called back and the man I spoke with yesterday said I could go to the bank in person. They would give me the balance in cash and close the account. I spent an hour on the phone with him, and then drive to the bank and spent an hour with the incompetent employees who said the account was frozen and they couldn't access my money to give me the balance. The original balance in March was $258 and last I checked, they had taken fees out and reduced the balance to $245. They also owed from the incident with unauthorized withdrawals and I lost $100 when I opened a savings to cover overdraft with my second checking there. They were very rude to me in the bank and I have wasted my time, my money, and gasoline.

I called later on and spoke with David at 6:14pm that evening. He reviewed the account and agreed to waive two of the fees. He advised it would take 24 hours. Four days later, it had not showed up and I spoke with Lisa in the Utica call center who told me that she saw me speaking with him but did not see any note of our conversation, and they do not override the decisions of another manager. I was completely horrified. It added insult to injury. If you can't trust the person who you are speaking with to do what they promised, what kind of business are they running?

Brandon **, a so-called manager at the call center said they cannot remove any charges as he sounded like he was reading from a script. When asked how long he had been at this job, he proudly said, "several months!" I would prefer to deal with "managers" that were not flipping burgers or delivering pizzas a "few months" ago. I would also like to organize a class action lawsuit against Bank of America to be tried in the court of public opinion. These complaints along with the fact that there are about 162 pages of complaints against them just on this website should be powerful ammunition for a consumer advocacy group to bring them around and understand the concept of "Customer service."

I called again on the 14th and was told the money was sent and should be available in my bank by the 15th. When I complained and asked for a supervisor, I was put on hold. I continued checking my account and on the 21st called again. I was then told it could take up to 30 days for the money to be posted back into my account even though the money was paid ACH automatic according to my bank. No one could answer my questions why I have been told something different every single time I have called and there is nothing anyone can do about it. I realize I made a mistake but find it absurd that it takes 30 days to get a refund of an overpayment.

Well, once it was 5:10PM, I went on chat with Sam **, who not only treated me like a criminal by asking me to type all my personal information, including my driver's license number; he told me that my funds would be released on 09/19 at 5PM. That would have been great except it was 09/19 and it was 5:34. Then, I was told that it is an overnight processing. This is completely unacceptable as I was told my 3 Bank of America employees that it would be released at certain times and none of them were met.

The economy is bad, but with banks like this, it is worse for those of low-income. It has almost caused me to have a nervous breakdown and my husband to give up on everything. The only thing keeping us going is our children. The bank will not do anything to help us. We get the runaround. And how can 2 authorized holds be held twice, deducted twice, which again causes an overdraft fee. My family cannot meet obligations to keep water, lights, or even feed our children. My husband barely has enough gas to travel the 60 miles one way to work, 6 days a week.

BofA posted high to low so they can charge the customers more NSF fees. The policy is written very poorly and states that in certain states, they use the high to low method and it can be at their discretion. I would like to know which states doesn't allow them to use this high-low method as it is unfair to the customers. Unfortunately, we are at the mercy of the banks. This is bullying and needs to be stopped. The banks have too much power and I'm sure I am not the only one who has been a victim of this.

I am out over $600 right now because while this was happening, I was on a business trip and they let me use my card for things like Starbucks and my 4-dollar latte is now costing me over $100. I can't do this, I really can't do it. I am a single woman trying to make a go of it and these people are raping me. They actually seem to target you, then do whatever they can to make you get in trouble despite the fact that I was in that bank when they opened this morning to make that deposit. I just got home a few hours earlier from a business trip but I did get to the bank first thing. Now they put a hold on the check and it won't cover all the fees because as long as the money is being held, they are charging me an additional $10 per overdraft per day until the check clears. They put it on hold for 5 days. They already charged me over $600 in fees since yesterday. I am in over my head and don't know how to make them stop.

In the course of their very convenient 5 day wait, they charged me another $35.00 for not depositing money in my account to cover my overdraft. Yet, I deposited $1,600.00 which cleared in 2 business days. But because they put a “hold” on the check, it’s not credited to my account. But BOA has the money because it was taken out of my employer’s account 2 days after I deposited it. Basically, Bank of America is holding my funds, yet charging me for overdrafts even though they have my funds; funds that originated from my employer. The only difference is instead of a direct deposit, I gave them my check. This is very convenient for Bank of America.

I went to the branch where I opened my account and spoke to the branch manager, who was very nice. He fixed everything for me and removed the extra overcharge, since I technically had the funds in there. If it weren’t for the great service by the branch manager, I would no longer be a Bank of America customer. Watch out for them. They have a very sneaky way of turning one overdraft into a bunch, and holding out of state checks even if they are from your employer, for 5 business days. I may still change banks. But they do prey on consumers who might be struggling through these tough times.

Every purchase I made that was well within what I should have had for this entire period of 1.5 weeks had a charge of $35 attached to it. I had also deposited 2 more checks, totaling nearly $350, so I should have had approximately that much in my account (after taking out what I had spent on groceries, gas, etc.). As it stands now, I have spoken to 3 people about this. I spoke to an online chat associate who did not listen to a word I said and seemed to use factoid macros as the basis of every line they sent me. I spoke to a bank manager in my town, who was more than willing to work with me to fix this situation, but saw that the online associate had placed a decision of no refunds on the account. Despite the bank manager title, somehow this associate in a call center somewhere had more power over my account. A frightening idea indeed.

I then called up their customer solutions line and after spending no less than 2 hours on hold, spoke to a woman who talked down to me, insisted that she used a register and this sort of thing never happened to her. She patronized me and was generally unhelpful and unprofessional. She informed me that as long as my account is open, any charges run as credit (which amounted to half of my charges since then but does not account for the other half, which were approved despite having insufficient funds) would be allowed through, thus theoretically allowing me to spend as much as I wanted. This is a dangerous business practice intended to trip people up and cost them money. My father and I are currently working to remedy the situation, even possibly taking them to small claims court if necessary.

We've gone to the local Bank of America branch, where we opened the account over 2 years ago, to try and get assistance by explaining to Bank of America that their online banking system was not updated to inform us that the money wasn't available and that the 24-hour telephone banking system didn't show unavailable funds. We even pulled $20 out of the account for a haircut, and the ATM showed available funds.

They refused to give us a break, stating that our transactions are for us to list in our own registry and that they are not responsible for the damage! They finally agreed to reverse $70 of the fees, which is only two overdraft reversals. Obviously, it's not a sufficient or satisfactory amount, being that the we have another deposit that goes in every Friday for $470 (but it was only $417 due to early release from work one day) and the account is still overdrawn by -$80!

I also explained to the bank's customer service line that we have 2 children who depend on us, no other income besides those two weekly deposits, and we have no cash now. But yet, no one there is willing to budge any more than that! What is most sickening to me is that if the money was not available, then why did they allow the debits to be processed? Why did Bank of America not call us up and tell us? Why not freeze the account? Why not do something rather than collect $595 in overdraft fees? That is repulsive and inconsiderate.

What's even more dishonorable is that they just received bail-out money from the government to pay their employee bonuses, but yet and still they are taking honest, hardworking customer's money! And this is not for services rendered; it's just extra the fees that they've tacked on, despite their incompetent, inaccurate systems. As a long-time banker, I know that Bank of America could've resolved this type of an issue after the first overdraft, and long before the other 16 overdrafts went through the account, by simply asking us if or when the next amount would be deposited and/or freezing those debits. Bank of America can see that this is an active account with consistent deposits.

It's clear to me that they don't have any empathy for their customers, even though nothing like this has ever happened to us before and even though they know that their systems weren't accurate as well as knowing that we would not have ever allowed the account to incur those fees if we could've seen what was happening. But we couldn't!

Is it just me? Or is it obvious that by us making a deposit, that would've been much easier and less painful than to watch almost $600 go down the drain for fees attained unsuspectingly and having $715 of deposits automatically absorbed by the fees and still owing more? Anybody can see that this is a mistake that can easily be corrected with the press of a few buttons. But what do you do when no one at Bank of America will help? They have even refused to close the account! How can we get our money back?

When I spoke to a representative, they told me that they use separate screen with different details. If they are using a separate screen to monitor my account, then I believe it's fair for me to have access to it especially if that is what they are using to base fees on. This is very upsetting because regardless of how bad the economy is, this bank (a bank in which we helped bail out) is still charging their customers fees for transactions that have not been confirmed. I'm sure that many people out there right now are experiencing the same problem. The current practice of this bank is to deduct all pending transactions before adding any deposits even if the deposit was made first. This just shows how they are finding any way possible to charge late fees. Thank you for reading.

I am living on Social Security and a small pension from New York State government. Because Bank of America took so much money from me, I have to depend on food banks to eat and I can't pay the full amount of my rent. Now, I am not the only person who is dealing with this problem.

In the beginning of 2009, I requested Bank of America to send me all of my statements since the account was opened. I did this after I found out about the class action lawsuit that was filed against them for this very thing. I did not file a claim to join in receiving the settlement for that lawsuit because the amount was a joke (possibly $75). Bank of America has taken thousands from me. I want to pursue my own lawsuit. I don't know where to begin though.

The tellers provide answers when inquiring balance or if any existing pending charges exist. The tellers cannot see this information but answer as though they did thus providing inaccurate information and causing the customer to often become overdrawn. The bank then takes $35 as a service fee, but fail to mail out the notice till several days or a week later. You are not aware of the difference in the accounting and continue withdrawing and charging based on what you were told in the branch and unaware of the fees deducted, thus resulting in hundreds of dollars in fees. My account has lost several thousand dollars over the last 6 months in fees.

In addition, they go into low-income Spanish speaking communities and seek customers. These communities live paycheck to paycheck, do not speak the language and are not educated. They are often illegal aliens and are afraid to speak up for their rights. They do not understand the banking holds and charge holds, etc. Bank of America takes advantage of our desperation for an account, and makes huge profits from the insufficient fee charges. These fees spiral out of control and we lose our money for our rent, mortgage, etc. We lose our homes, cars are repossessed and accounts are severely overdrawn but we pay it because they are the only ones who qualify any and everyone for accounts. They especially target the low-income who live paycheck to paycheck counting on our insufficient fees resulting from their unethical practices.

Unfortunately, after having waited for anywhere from 10 to 20 minutes to reach the teller, I was told that I had to have the check verified by the banker (even though the check was drawn on our Yakama Indian Nation business account). I was directed to take a seat in the lobby section. The woman sitting next to me had a cashier's check also drawn on a BOA account and she too had to get her check verified. She expressed to me her displeasure at the treatment by the bank employees. I was told by my tribe that they pay a fee to have the account serviced so that it doesn't create a burden or hardship for us when we try to cash our per capita payments. I was under the impression that if I produced proper ID and gave a thumbprint, the check would be cashed without any hassles or turmoil. For some reason, it irritates the tellers that they cannot charge me a fee to cash my Indian check.

They get back at me by not accepting my Indian ID as a legitimate source. How absurd is that? I would think that if you were cashing an Indian check for somebody, you would want to verify that they were at least a true Native American Indian. While in front of the rep, after having waited in the first line to be told that I would have to wait in a second line, I asked her if there was a policy that defined BOA's position. She informed me that it was in the disclosure. How can that be? I don't have an account, remember! As far as I could tell, it looked to me that the rep pulled up the same screen used by the tellers. When we were asked to go to the lobby portion of the building, we did not sign a list nor report to anyone. This bothers me because I don't see an equitable way the reps call us up. I observed at least 75% of the people get up and walk out.

This happened at all locations. I know this to be a true fact as I have to go through this process every other month when I receive my Indian per capita checks from the Yakama Indian Nation. Having personal experience with this past pattern and practice of doing business as usual for the last 30 years, I sought out different branches to cash the checks. It did not matter what institution I went to because I was repeatedly treated by the bank managers the same way. It appears to me that the managers are not trained in the discriminatory practices they engage in. I observed some sort of power trip by the managers when they continually talked down at me and other customers. I don't appreciate the manner and way they treat me. If the video tapes are made available for review, they will substantiate, collaborate and validate the fact that numerous customers are walking out in disgust at the treatment they received at the hands of BOA employees.

My association insures the amount of about $1,610,000 in master policy per 10-unit building as the replacement cost, but flood insurance is for the amount of about $1,390,000. The difference between those two amounts divided by 10 is the amount I have to insure on my own according to Wachovia (exactly $21,920). It turns out nothing changed on in a way my association insures buildings, but this is a new requirement from Wells Fargo which is taking over all Wachovia loans on 10/6/2009. The Wachovia insurance department supervisor was not able to explain logically why I was required by them to get insurance in August, while she told me that new requirement would be effective in October. But this was side issue, my greatest complaint is the validity of this requirement.

According to Wachovia's own calculations, my condo unit has now flood insurance in the amount of about $139,000. Both the price I paid for the condo and current market value is much lower and the amount I still owe is about 1/3 of the current flood coverage. I don't understand why Wells Fargo/Wachovia forces me to have even higher coverage at my expense. Just to add to the absurd of the situation, my condo is a second floor unit. I find this unacceptable and I am gathering documentation in preparation for possible legal action against it. Wachovia/Wells Fargo lost me as a customer. I will never do any business with them anymore in the future.

Recently, my husband received a large check, which was over $14,000 made out to the business. Times being economically tight for everyone, we desperately needed this money. I immediately rushed to the ATM and deposited the check into our personal account, as I had many, many checks in the past. This is the ATM card I carry and the PIN I know. And I had never been told I could not do this.

The next day, my debit card was declined. I called Bank of America. After numerous transfers from one rude rep to another, I was told the check was declined for deposit because it was made to the personal account. They could not tell me where the check physically was, but it was being mailed to me. My husband called and was told that at first the check was mailed to CT and then it was mailed to NY.

3 days later, we found out from a relative that a copy of the check had been mailed to CT. My husband was told by a BofA phone rep that the copy was negotiable and could be deposited. He was also assured that bills we had paid when we made the deposit would not bounce and bounce charges would not be incurred. Our relative took the copy of the check to the Old Saybrook, CT branch. She was told it was non-negotiable and could not be deposited. My husband called again. Now on call 10 (we estimate), he was told another story and that the original was in fact still in the mail to us.

It has now been a full week. We do not have the check. This is a substantial amount of our money that BofA has basically stolen from us. Our checks from the account seem to be clearing, but we are currently overdrawn and incurring bounce charges of $35 for each transaction. We are extremely frustrated, upset, and confused about how to rectify the situation.

So we got here and started using our account and it was sheer madness. We had a checking and a savings account and we would go into the branch here in Houston and take money out. When we would withdraw money from our savings, they would somehow mess things up and debit this transaction from our checking account. I found this out while reconciling our accounts one day. When I checked my savings, nothing had changed but when I checked my checking account, it was severely overdrawn.

I called them and told them what they were doing. They reversed all the charges and we were good to go. Since the banks could not work with our account in WA, we decided we would close those accounts and open BOA accounts in Houston. We did that with no problem. One day, my daughter told me that my account in WA is overdrawn. I thought she was joking, there was no way. They not only messed up our accounts, they were charging us overdraft fees for their mistakes.

So, I called and what I experienced was just unbelievable. My last problem with the bank happened on May 5th. On June 26th, they charged my checking account $240 for a withdrawal they lost but would not send me any proof. Then on top of that, they charged me overdraft charges. When I called on the 5th of May, the CSR told me everything was good. So I got a letter last week, saying that in June, they charged my account for a debit that was not credited in April. I called them and they told me they actually lost the withdrawal. Now, how can you lose a withdrawal?

When I go to take money out of my account, it is automatically taken out. I am convinced that the big banks in this country are somehow working to build some sort of class society in this country. Those of us who have mid to low incomes, they will take whatever they can from us through their corrupt transaction processing practices. Let me also tell you whatever we have experienced. When using our debit card, our account would always go into overdraft, no matter how strict my husband and I were in our accounting. I knew that they were doing something crooked, so I told my husband not to use the debit card but to take the cash out for what we needed.

We have been doing that for 2 months and in the past two months, have never experienced an overdraft. They are doing something with these debit cards that pushes a person into overdraft. No matter what bank it is, do not use you debit card. If you are going on a trip, take traveler's checks. Even your credit card companies will do the same thing. It's sad but the American people are being taken big time by these corporations that are supposed to be helping ensure that our money is kept in a safe place. Well, sorry to tell you but your money is not safe in a bank anymore.

They are the same charges for the same bills over and over again. Even after I closed my account with Wachovia, the charges kept coming. I went to another Wachovia Bank to discuss this, and the financial manager there thought it was alright. I had my SS check sent to Wachovia as well as my retirement check from Electrolux and a VA benefit check. I was not told how and when that money would come back to me.

This is the other problem. Bank of America did not try to contact me nor my bank. The check was signed on the left bottom space. The amount was $750 but what was written was $750. The back was not endorsed, had nobody’s ID information. The bank never imprinted the back of the check with bank information, date, time, account it was deposited into, etc. Nothing - it is blank. BancorpSouth said they will investigate and asked to give them 48 hours. Well, I have still heard nothing. I would like to catch the person that did this so they can be prosecuted and this will not happen to anyone else. I wonder if this was an inside job? Or, did the thief know someone that worked for Bank of America? When I contacted Bank of America by phone at their 800 number, I was told that due to excessive amount of checks being sent through the machine some backs don't get stamped. What are the odds of this check with so many red flags not getting stamped? I feel there is more to this story than meets the eye.

I was supposed to go back on the road the next day, but was not able to because I had to take care of this. I lost pay for that day. This has become very frustrating because BancorpSouth will not give me the branch of Bank of America in Memphis, TN where I can pursue this further. I trusted BancorpSouth with my money. I have never had a problem with them before. I am upset with them because when they received the check, they did not contact me (my phone is nationwide). I am upset with Bank of America because they really didn't follow bank procedure and turn the check away. And if it was nightly deposited in an account, they didn't put it in the mail to me without paying it. To think you trust these people with your livelihood and this is the service you get. You just as well start doing like the old people: bury your money in the backyard and keep going.

I called the next morning and they had posted, so I contacted customer service and spoke to Grace. I told her I spoke to Romy last night and told her my situation. She began to give me the runaround about these charges so I asked to speak to a manager. She put me through to Nick who tried to come up with every story in the book why they charged me these fees, none of which made any sense. He refused to remove the charges and I had to contact Better Business Bureau and whoever else I can think of. This is not right, they are ripping people off, left and right. It's bad enough that in June I was charged 178 dollars for a bill that was 12 dollars and some change. It’s ridiculous. I'm on a fixed income and only receive a certain amount every two weeks. They’re already taking 70 dollars out of it, which leaves me hardly any money, and I have to pay bills and eat and take care of two kids. I had to get school clothes this week. Now, I'm cut short on money and I have to cut my kids short on clothes and maybe food, thanks to this. It's just not right and I will be closing my account after this week.

Of course, I believed it and walked out. But instead of going to a different center, I decided to spend some time on the phone calling different 1-800 numbers to Wachovia hoping to find out the truth. It did take me about 2 hours, but I finally reached the right department and was explained in 2 minutes how simple and easy that is and was given addresses of closest branches that do these services. It’s not a surprise that one of them was the branch I initially went to. So, I called Wachovia Financial Center again and spoke with some other person who again had no clue what I need and again was just telling me that they do not do these services. I asked to speak with the manager and (how I found out later) was transferred to a teller’s manager. This is just funny!

Anyway, that manager's name was Vanessa **. She just repeated what the previous two people kept telling me: that they don't do what I need. By this time, I got a quite well understanding that none of them even understand what it is that I need. Wonderful! These are the qualified employees of Wachovia! To prove Vanessa that what I need is a part of her job or someone else’s in their branch, I had to do a 3-way conference call between me, her and that representative who confirmed that it is possible to transfer the title to a particular branch and knew how to do it.

During our conversation, Vanessa was keeping playing the "language game" repeating the same phrases over and over again and treating me like I am stupid and sticking my nose in her job. I had to become almost rude and start asking her direct questions on whether or not she understands by now what is her job! The gentlemen on the 1-800 line explained her in details what is the name and the number of the form and how she should handle it. Finally, after 4 hours on the phone I came back to meet with Vanessa hoping that the problem is solved now and I officially have done Vanessa's job! But no, after all, she managed to fill out a wrong form!

In the end, I was so stressed and upset with services that I received from the employees of that Wachovia branch that I decided to talk to the branch manager. It’s no surprise that she was totally backing up Vanessa saying that the representative on the line gave her a wrong form number. Even assuming that it was how she said and I do not believe that even for a minute since I myself was present during that phone conversation, I guess it is just too much for Wachovia managers to check if the name of the form given to you matches the name on the form you pulled out on your computer to fill out! It requires too much brain activity and they are just not used to it there!

By now, I am still waiting to hear from them. I can definitely tell anyone one thing: if your time is valuable to you and you care for your nervous system, do not ever deal with Wachovia. You will be treated like a fool who does not know anything and just asking for something. I used to have a checking account with Wachovia (5 years ago) and can say that their services were way better. Right now this bank became something of a fishy company which cannot be trusted or relied on.

The reason I made the transfers was to avoid being in the negative even though it was not quite enough to bring me over the top. I made the transfers before midnight on the 31st of August. Now, I have direct deposits that go in from Massachusetts. They are credited on East coast time. The money went into the overdrawn account at 11:00 p.m. on the 31st and the other deposits went in just a few minutes later, but still before midnight of the 1st. Technically, my money was in the account on the 31st and all of these transactions I am referring to were in Pending status as of last night at 11:00 p.m. This morning, I checked my account and the two transactions in question were no longer pending, but all of the deposits are, including the two transfers from my other BOA accounts.

My issue is, how come, last night at 11:00 p.m. the trans were still pending, but today according to the website, the transaction show as cleared on the 31st? They were not clear last night, but today show clear on the 31st. Tomorrow, they will charge me 2 fees of $35 each for being overdrawn on two transactions. One is for 10 dollars and one for $2.16. How can this be legal? This is about the fourth time this has occurred with this bank and I have about had it. I am unemployed (and poor and need every nickel that comes in) and can't afford to pay these fees for transactions with my card that sit pending in my account for days.

Do I have any recourse with BOA? They refuse to assist me or forgive their fees. Nobody ever helps me and I am at my wits' end with them. I know I am only one of thousands of complaints. I've read hundreds of them myself on various websites. They are in the business of screwing their customers. I need help!

The day before, I had put in $3 to take my children to ice cream and that came in on top of the bill payment causing another $35 fee, all while my main account page reflects the charges and no overdraft fees of $10 or $35. Knowing everything went through fine, I haven't looked at my account since last week, only to see today 3 charges. The final $35 was added for extended overdraft fee over 5 days. In total, all the fees are $80, yet my account is overdraft $77.12. If I was overdraft, then wouldn't I have charges above $80? I have done nothing since this until today when B of A kindly reversed the $10 in which I asked, "since this was the charge that started everything, is it going to clear the rest of the charges?" Nope! I am sick of their fee charging. I have been with B of A for quite some time as well as my mom. I just loaned my mom a few hundred dollars because of their charge rearranging scheme. And now, they do this to me. I want my money back. I am looking for another bank to do business with locally. There is no wonder B of A hasn't tanked. They are tapping into their own personal piggy banks, us, the consumers to keep them afloat!

Then the next morning, I checked my account and it was negative $70, in the negative because of overdraft fees! I called them that day and they would not budge on that and so I asked to speak to a supervisor and she (don't recall name) was so rude that she told me to learn how to not spend money that "you don't have!" I felt so humiliated! She was rude and cold and just so rude. So then I said, "okay, well, I will make sure they don't steal from me again." And I have been watching the account very carefully.

On Aug. 25th, when I got paid after my money was deposited, there were ten $35 insufficient funds fees even though I had money that went in that day! I called to speak to a supervisor (Armando) and he was very professional but he contradicted himself. I told him, "So on Monday, Aug. 24th, if I would have put the $198 that was negative in the account, I would not have been charged 10 insufficient fund fees?" and he said, "no." I then told him, "Then, why, when I was negative $19 and $11 in the account, they still charged me those insufficient funds fees!" He had an excuse that was legal in bank terms but ** in human terms!

I told him that I know our conversation was being recorded and good because I want to sue this bank. Like all hardworking Americans, I work hard for all my money. Every single penny I earn, I sweat for it! I hope we did not bail them out! If the government did, then they need to give us our money that this bank is stealing from us! By the way, the way I was explained because for some reason those -$19 and -$11 were only there for a few hours and so, when I spoke to Mathew about it, he had no idea what I was talking about!

So, how are we supposed to argue about something that they cannot see but was there at the moment when I saw it? That made me feel crazy because they see it at the moment you call but if you have to resolve it another day, it is not there anymore! Can someone tell me how this is right? I will be taking my money from them after I gave them about $500 in just a couple of months! Please, let's help each other out and see how we can stop this bank from doing this!

Deposits - They add all your transactions together then subtract that from your opening day amount. Then, they process them from largest to smallest. Simple, right? Well, this is where they get you. Let's say you have $100 at the start of processing. You have made these purchases: $50, $25, $20, $10, $2.50, $2.50, for a total $110. So you are $10 short, so you should be charged a $35 overdraft for that $10, right? That's how it should be.

Here's how they see it: You go negative after the $20 transaction. So you are charged the overdraft starting at the $10 then the $2.50, and $2.50, totaling $105 in overdraft charges. Even though they could have sent the $2.50 and $2.50 through and just charged you for the $10 item. The next time this similar thing happened, they decided to process things differently.

A week and a half ago, I took a trip using six ATM's (non-Wachovia). I had to pay an ATM fee at the time of use. So about three days ago, I decided to transfer $25 from my other account to Wachovia to make sure there is enough money in there to cover anything that might go through. So, I check my account today and see that first they push through two purchases leaving my account fine. Then, they charge a $12 service charge ($2 for each ATM use) for us not using their ATM. Because I already paid a fee at the ATM, I did not know that they too would charge a fee of their own. So, that takes my account to a negative $1.27. Then, they post my $25 deposit.

Every time I call Wachovia, I am given various explanations as to why their website is not reliable or why I got charged for multiple items and after spending close to an hour on the phone, the only thing they ever do is offer a very small portion back.

I started looking for my statements to review activity and realized that I had not received them for sometime. I contacted Michelle at my local branch and asked her to check my address on file. Unfortunately BOA had not updated my address as I requested in writing from Nov 2007. She provided me with what statements she could and I went online and printed off the others. After reviewing my statements, I discovered that someone had obtained my debit card number and had used it to join several (8 total) memberships via the internet that billed my card on a monthly basis for 14 months that totaled over $1500. As if this wasn't enough, BOA had also charged me NSF fees and overdraft fees in excess of $3,000 to date.

In early March 2008, I cancelled my debit card so any other memberships would be rejected and contacted BOA debit card fraud department to file a claim as instructed by my local BOA branch. To make a long story shorter, BOA was unable to give any credits for the unauthorized charges. They did however give me partial credits for their bank fees. They suggested that I contact the merchants in question directly and request the credits personally. After numerous phone calls, letters and emails, I have been able to retrieve approximately half of the money from the various merchants over the past several months. But roughly $900 remains unpaid. It's unclear if I will ever be refunded all the money, but I will continue to try.

It is my understanding, according to several of the merchants, that had BOA processed my change of address in Nov 2007, then any memberships presented for payment would have been declined! That would have been the end of it! No bank fees would have been incurred. But due to BOA's negligence, this did not happen. I realize that I should have watched my account more closely or when I didn't receive my statements, I could have brought it to their attention a second time. But as I said, with what I had going on in my personal life, what was out of sight was out of mind. I have paid a very expensive, financially stressful price for my mistake. I feel it would be fair if BOA did the same and refund all bank fees taken from my account to date. I have contacted them many, many times that has been documented with BOA over the past 5 months. But as of today, they have refused my many requests to refund any additional fees. I'm only asking them to refund their own fees, nothing more. Thank for any assistance you may provide with my situation.

I had not heard anything from Wachovia Bank until yesterday, August 24, 2009. But yesterday, I got a letter that stated they have sent me to collections! I was in total shock! I thought that since I have not used my account, someone had stolen my identity. The charges were for $54.58. I called the collection agency and the lady was rude and treated me like an animal! I called Wachovia through their customer service, and even though the young lady was nice and agreed this was wrong and unfair, due to the hour, she could not transfer me to anyone who could help me.

This morning, I got up and went to the branch. The representative, I believe his name was Marcel, told me that there is nothing they can do, because they sold the account to the collection agency, and to call them back and deal with them! What was happening behind my back? Like I stated, I only had $5 in this free checking account. But then Wachovia, despite their reassurances, charged me a $5 service fee because I had not put any funds into this account; that sent me into overdraft. Then, they charged me $5 every month that I did not deposit money and remained in overdraft. Finally, they closed out my account and charged me another $40! This is ridiculous.

Well, my question to the customer service representative at the Miami branch was simple, "Where are the overdraft notices, and letters I was supposed to receive?" Throughout this whole process, I swear I was never notified once! Of course, he said they sent them out, but I can assure you, I never saw a single notice. Otherwise, I would have resolved this issue earlier. Now they want no responsibility with me and expect me to fight with a collection agency? This is unfair. I have done nothing wrong. I was promised something and then put into this situation. I don't make a lot of money. I have had to switch to part-time because I am diabetic, and I have problems in my legs, and issues with thyroids, just to name a few issues. I need someone to help me. They cannot get away with this. Please assist me. Thank you.

I've tried (unsuccessfuly) to resolve this matter through their channels to no avail. At one point, a customer service representative stated, "The fee has been charged as because the funds were low at the time when the merchant presented the transaction." Low, but not available. I immediately made deposits to cover the balance before any possible overdraft might have occurred, after which the two fees were assessed. I have transcripts of all emails and chats as well as copies of my statement on the date in question showing a positive balance and that the items presented for payment were paid without resulting in insufficient funds.

The day that the purchase posted to my checking account, I noticed an additional fee from BOA for "international transactions." Wait a minute, I thought I never left my living room here in Florida. How international was that? I emailed BOA customer service(?), and I was told "this company/vendor apparently has their billing processed outside of the USA; therefore, I was subject to an additional 3% (now 4%) international fee for my purchase." I emailed them back and asked "How would I know that this company had their billing done outside of the USA?" There was nothing that gave me that info, and why would I even ask them that. And would their hourly paid customer service people even know the answer to that.

I went to the local branch and spoke with the branch manager, and she gave me the same singsong. Again, I asked her "How was I the consumer supposed to know that this company that is on the NYSE had their billing done outside the USA in advance of my purchase?" She tried to explain to me that these accounts are coded, so that when someone does a purchase from them, the additional fee was charged. I asked the branch manager for a list of these coded merchants so that I would not shop them again either online or face to face. She said she didn't think she could supply that type of a list.

So then, I informed this branch manager that I had 33 years of banking experience; the last 5 years was spent in the systems, operations, and fraud areas. And I know that if an account is coded for anything, you can generate a list for that code, which is how the bank identifies the profitability for those accounts and how many they have, etc. If I as a consumer goes to an ATM that is not owned by BOA before I process my transaction, I get a screen informing me of additional fees that I may be charged for using an ATM not owned by the card issuer. And then, I am asked "Do you want to proceed, press yes or no." The minute I press yes, I am responsible for any additional applicable fee for my transaction. Well, as a consumer, I want the same choice when making purchases with my BOA check card.

I told the branch manager that I was going on vacation and planned to use my BOA check card, and I asked how I would know which merchant or vendor that I gave my check card to would incur me an additional fee. I'm certainly not going to ask each and every merchant I shop at "Do you process your billing inside the USA or outside the USA?" The branch manager told me that these fees were new and I was the first person to have a problem with them (lucky me). Also, she didn't know where she would get an answer for me. My suggestion to her was to start with the legal department. As a former procedure analyst for a major bank in NY, before we implemented a new procedure, the legal department had to sign off on it.

I applaud BOA for trying to raise their fee income, but the consumer cannot shop on a blind and they have a right to know prior to the transaction what the final cost will be and if any additional fee will be charged so that they can make a prudent decision based upon that information as to whether or not they want to proceed with the transaction.

I personally will not "shop on a blind," which is what BOA is expecting me to do by withholding the list of vendors who will generate additional fees if I shop with them and use my BOA check card. BOA has the list of these vendors, and I feel that the list should be made available to me and all consumers. I also told the branch manager that perhaps these additional "international fees" should be paid by the vendor with their Visa merchant processing fees. After all the vendor can write these fees off to "the cost of doing business."

The only reason I still maintain my accounts at BOA is that they bought the bank in NY that I worked for (and my pension stipend comes through BOA via the ACH system) and using BOA allows me to have access to it in a more timely manner. If it wasn't for that, I would bid them fast adieu since their branch staff has absolutely no knowledge of products or federal bank laws. If you ask a BOA staff about a product and they don't know the answer, they quickly tell you BOA doesn't have it. How sad I spent many years in the branch banking system and would never have pulled that sham on customers. And they should all know federal banking laws.

A courtesy would have been to give me the entire fee back and fix the online banking to reflect what is actually available. I have never heard of cash not being available immediately. If this is the case, like they say, fine, then charge me one fee for the mortgage. But the way they do it, they bounce all the other ones too and slap on a huge fee. I think it's sad that a bank does this, especially in this economy. Isn't Wachovia supposed to be number one in customer service? That's a joke.

As the recession bottoms out, my business is starting to pick up again and we are working hard to position ourselves for growth. Bank of America will never see one dime of it, ever.

Wachovia has held back on my debits and pulls them from my account, knowing that the account would go into the negatives. When I asked a customer service rep why the debits aren't pulled from my account immediately, he blamed the store from where I did the purchase then changed his story and said Wachovia was pulling the highest debit first. I have been with Wachovia for probably ten years and they really have been changing in the way they treat their customers. Shady business practices. Listen, I’m recently divorced, taking on the home mortgage on my own. I need a bank I really can trust.

Indeed, on Thursday August 7, 2009, I was referred to Mr. ** by Mr. Mansour **, a Realtor with Hounshell Real Estate, regarding a residential property on ** Washington DC sold / foreclosed by Bank of America. The listing stipulated that Mr. ** was to be contacted for loan qualification / approval. The exact same day, I called him in accordance with the listing requirements & real estate agent's advice and left a message to call me back. Eager to find out if I qualified for the purchase of this property, I called the next morning of Friday, August 8, as I had not heard back from him.

That same morning, I finally got hold of him and explained the reasons of my calls. He requested a list of documents and stated that he would be able to get back to me with a prequalification the next day, Saturday August 8. I emailed him all the requested documents with the exception of my 2007 W2 form (which I could not access electronically at this point) and my saving plan official print-out (which I could not access electronically as well, but I was at least able to send out a draft of it), on Friday August 7. On Saturday August 8, he called me to inform me that he had pulled out my credit report and that I would qualify for a certain amount (around $375k) but that the property on P Street was a 2-unit house and required a 20% down payment (which was not indicated on the listing at all). Mr. ** had even mentioned to me on Thursday, August 7, that the only possible issue with the property for not qualifying for FHA financing would be the fact that it lacked appliances, which could be simply added to facilitate the process.

Anyhow, Mr. ** advised me that I look into other properties and should I find something else, he added that he would work with me and he would issue me a formal approval/qualification letter by Monday or at the latest Tuesday, August 11. I followed his advice and previewed several properties over the weekend. I also called him on Sunday, August 9, simply to leave him a message informing him that I had found a house and was ready to submit an offer, and would much appreciate it if he could call me back on Monday to discuss the details. In today's real estate market, hot properties do not stay available very long and, sure enough, this house is now under contract without contingencies.

On Monday, August 10, I called Mr. ** to follow-up on my application. He indicated that he was working on it and that I needed to send him my 2007 W2 form and original saving statement (i.e., Thrift). As soon as I was able to access these documents electronically, on Tuesday August 11, I immediately sent them out to him, via email. On Wednesday, August 12, I called to follow-up on my application. Mr. ** displayed a complete disregard and questioned the reason of my call. He immediately demonstrated resentment and unwillingness to follow-through the process. He simply and abruptly stated that he did not have time to go over my application and was upset that I called him on a Sunday. I genuinely asked him the reason why he had been so reluctant to process my file and follow-up, as I was always the one reaching out to him. I asked if the fact that I was not working with a realtor associated with the listing and therefore the seller, Bank of America, was affecting my application process.

Mr. ** replied in a very rude and unprofessional manner, clearly demonstrating his resentment on my behalf and discriminatory approach/attitude, adding that he was simply closing my file.

I must point out that: 1) Mr. ** has ran a credit report on my behalf and requested a large amount of personal information with the intention and claim to present me with a loan approval letter/qualification, and in a timely fashion; 2) I realized that he ran my credit report without receiving a signed copy of my application form and never mentioned anything about it; 3) Although running a credit report without a signed application was not an issue for him, but getting back to me via phone or email has been a serious issue for him 3) He has treated me in a discriminatory manner based on several possible criteria (to include: no agent representation, my gender and ethnicity).

I am astonished and disappointed by his lack of professionalism, thoughtfulness, and appreciation - all reflecting poorly on your branch of Bank of America. As a prospective home buyer, with excellent references and credit history, terrific intrapersonal skills, and a genuine desire and readiness to purchase a home in the District of Columbia. I would have never imagined that such a simple process would become a nightmare due to the extremely poor service and horrible approach I received from Loan Officer, Mr. **. Mr. ** has collected my personal information and breached his engagement, in a very unethical, discriminatory, and illegal manner.

Furthermore, on August 14th and 17th, I have called Mr. **, Bank of America Home Loans Senior Vice President. Mr. ** clearly stated that:

1) Reviewing my application will be another very lengthy process and might not even occur / be processed - for such to occur, I would need to re-submit a new application with attachments (which the loan officer already has in his possession); 2) I should re-send all my application related documents to another BOA office in California and work with them; he refused to request his employee, Mr. **, to process my application and follow-through with it.

To this day, I have not received any response (or follow-through, pre-qualification/approval letter) from BOA although personal information was collected and processed unfairly.

I went to BOA to open a checking account. The rep told me that I will be issued not one, but two ATM debit cards - one I should use as my main debit card and the other I should use for my online purchases. The rep then asked for an initial account deposit of $100, but I provided $1,000. The rep then asked me to select two separate art designs to be used on my two debit cards. After a few days, BOA sent me the two debit cards bearing the designs I selected. I used the two debit cards alternately. When I reviewed my account statement online, there were 3 overdrafts of $35 each. I personally complained to the branch manager who explained to me that I have received one debit card and a linked savings ATM card to that debit card. What a surprise to me! Accordingly, my overdraft was when I used the savings ATM card and the manager was nice to reverse it.

After about one week, I received another debit card. My experience might have happen to many other BOA new customers and me being a design engineer, I can easily deduce that this type BOA system can accumulate much profits for the bank. Also, when I opened my account, I was given a small pamphlet, which I ignored. It was only when I was charged $10 per month did I read and noted that the pamphlet has a fine print that stated that after a certain date (about 2 months after I opened my account), there will be a $10 penalty charge if my account falls below $750. Also, BOA made my checking account have two separate debit cards, without telling me that each debit card will have a separate account number. Now that I know, I have to be careful that each of my debit card will have to maintain at least $750 deposit. If others want to be as confused as I am, go to BOA.

I spoke with several customer service reps and even a manager to clarify these charges. Still, they were not compassionate about the situation and refused to credit just some of the charges. What made me even more suspicious that this was possibly a scam that BOA practices often is the fact that I viewed my account online several times that day and evening and there weren't any pending / possible charges. There was available cash in my account. I even transferred over $400 in funds from my savings to cover any pending /possible charges due.

However, BOA deceitfully applied or posted these charges (pending) late evening, after banking hours to intentionally impose the avoidable & unnecessary overdrafts. But even so, the deposits were posted & pending the same time my deposits were pending. I believe they practice sabotaging customers' hard earned money, whether loyal or not. My experience with BOA customer service has been the worst and most regretful ever.

I called the number that is on the back of my check card, and was told that the checks were withdrawn because the backs were not signed. Again, I was told by the teller I didn't need to sign the checks. I was then told that the checks had been sent back to me on 8-11-2009, and that I should receive them back on the 14th. They did not come on the 14th so I called them back and was told that it would be 3-5 business days from the 11th, so to expect them on either the 15th, or the 17th. I checked the mail again on the 17th and then again on the 18th. I did not receive the checks. Instead, I received a letter saying that if the account was not fixed, then I would be reported to ChexSystems Inc., my account would be closed, and I would no be able to open another account at a financial institution for another 5 years.

I called when I got that letter and was told to disregard it. However, the next day, I called again to verify that I should disregard the letter, and I was told again that they were going to close my account and do the ChexSystems Inc. penalty which will affect my future career as a police officer. It is now the 20th and the checks have not arrived at my home. I am currently attending college and have no other way of making this payment or paying my bills besides the student loan that had been accepted and has now been rejected, and not returned to me by the bank. I have been told everything - from not to worry, and just to wait for the checks from the bank and to redeposit them, but also that I need to do it by a certain date or there will be repercussions.

Again, I was negligently told by the teller whose job it is to insure that all checks are acceptable for deposit, that I did not need to sign the checks, and since then, I have been financially penalized, threatened by the bank, not helped in getting this resolved. I have been penniless and have the possibility of it affecting my career.

That's issue number 1. Issue #2 is that in order to speak with an actual BofA employee who works in an actual brick-and-mortar BofA branch, you physically have to go there. Every telephone number published or provided by the call center robots gets you back to the automated system. I have banking matters with other local banks and always get a real person when I call the local number, so I plan to go to my local BofA branch on Friday (open until 6 pm) to close all of my accounts. The only thing BofA is doing for me right now is raising my blood pressure.

For the first three months, I was penalized for a minimum balance violation each month. Each month, I complained about this, and was refunded the penalty promptly. It was a hassle, but the customer service was okay. After that point, I maintained a balance over the minimum, and this no longer became an issue. However, I noticed the interest I was receiving was 0.1%, far lower than the rate I was initially quoted. I called the branch and asked what kind of interest rate I could receive if I opened a business IMAX account and maintained at least the minimum balance. They said 1.0%. When I said I recently opened just such an account and am receiving 1/10th that rate on more than the minimum balance, they said: "Your account is in a different pool and the rates have been lowered for that pool. However, we can transfer you today to a pool with a 1.0% interest rate."

Keeping on top of what should be a very simple banking arrangement was becoming a part time job. I will be moving my business to another bank as of today, due to what I perceive to be a combination of dishonesty and incompetence. They obviously have much more short-term concern for shareholders than customers if they have to resort to bait-and-switch business practices. They've lost my trust.

In September 2007, only a few months after the theft, my aunt had both her legs removed due to diabetes. She also showed obvious signs of dementia the summer of that year. Her checks were bouncing, but she had no idea why. It wasn't until a week after her amputation surgery and I flew to Pennsylvania, and sat down with a Bank of America representative that I discovered what had taken place. They didn't know and she didn't know. I spoke to the lawyer who is handling this case recently and was told that it may take another year before this whole thing is resolved. My aunt has since died. She passed away the end of October 2008. She died a widow with no children, which is why I was designated power of attorney toward the end of her life.

We all know that Bank of America is one of the largest financial institutions in this country. All the more reason why they should be arrogant and dismissive toward my aunt's victimization. To them, she and I are insignificant. I will not rest until how the $35,000 Bank of America check that was unlawfully cashed has been explained to me and the money retrieved.

I guess I wanted to say that as sad as this situation is, my attorney has advised me that I will be paying double in interest to this corporation. By that time, I'm 90 years old and it might get paid off. So bankruptcy is my only option here. Thank you so much Bank of America for giving me a paperless loan with no current job that I have and for messing with my credit, and for working so wonderfully with your customers! You really shouldn't give loans to people that don't have a job. How do you expect this to get paid? I am willing to make payments, but on what I can afford, not what you think I can afford. For anyone who reads this, think really hard before banking with these crooks.

Even after speaking with a CSR and her trying to explain to me a billion times that I was charged the fee for the $227.00, I tried relentlessly to explain to her that I wasn't and that I have the email to prove that I wasn't. I asked her to put me on the phone with a manager, after she insisted that their system won't allow her to reverse the fee. The manager got on the phone after 10 minutes waiting and went through the same grueling process of trying to explain to me that the fee was from the $227.00 and not the $220.00. Once again, I was telling her what the email states, then she retracted that statement and tried to explain that because I authorized my utility company, what I did earlier in the day, was actually put on the back burner. So to my understanding, BOA is defrauding me as a consumer, using their service, by telling me basically that in some kind of way, we will get money out of people who do everything right with their account.

I need help to see if I have the rights as a consumer to fight this. I cannot understand that it is right to charge $460 for $150 worth of charges. If it was only one transaction, then it would be just one $35 charge. The average amount of the transactions was less than $15, with one that was $60. It is completely outrageous and it will continue to hurt me financially long after Bank of America receives their money from me. I need help please!

My question to the Bank of America is the following: How could the teller lose my DC Unemployment check if the other three were attached with the missing one. And if I did make a mistake and did lose that check, then the teller should have told me that I had only three checks to deposit. But that wasn't the situation because there were 4 checks. Today is Tuesday, August 18th, and my account is short $347.00 because a Bank of America employee was negligent in the handling of my transaction. Even after reporting this incident to Mr. Dennis, who gave me a request tracking #** for this lost check, I am having to pay the price of running around to two Bank of Americas and cannot get a satisfactory response back as to where the missing check has disappeared to. I have wasted 4 hours trying to get an answer back to my question - where is the missing check?

This morning, I visited at 9AM sharp the Bank of America in Prince Frederick and spoke with Mr. Tej **, whom I explained my problem. He stated to me, "Well sir, maybe you didn't have 4 checks deposited." My reply to his statement was, "If I didn't have 4 checks, isn't the responsibility of the teller to inform me that Mr. **, you only have 3 checks?" I didn't find this bank manager to be very helpful to say the least. He seemed more disinterested in my complaint and in trying to resolve it satisfactory. After leaving this branch, I drove to Bank of America at the Lusby Banking Center and spoke to Ms. Tammi ** (**). I explained to her the entire episode of what happened and she made copies of the deposit slip where it does indicate 4 checks being deposited. Ms. ** took my email address ** and explained that she would try and track down the problem. But the problem stems from the hands of the teller at the Bank of America located at 6802 Richmond Highway, Alexandria, VA 22309 (Tel: 703-660-2660).

Not only am I displeased at the negligent handling of my deposit, but I question whether or not my accounts are going to have further complications in the future. I am currently unemployed and I depend on my unemployment checks for various living expenses. Not to mention that this presents a huge security and identity problem if someone finds this lost check and tries to cash it with my signature on the back of it. Therefore, if Bank of America does not find this check and make good on the credit of $347.00 to my account, then I plan to withdraw all my funds from their bank. It should be duly noted that I have been a longstanding customer of Bank of America for years to say, and I worry about my funds now being handled by their employees when a situation like this pops up and nobody seems to care or know where the missing check has gone to.

Also, it amazes me that Mr. Tej **, who made a comment that "Well sir, the teller is not responsible for counting the number of your deposits being made, so if you lost it, then you have to report it to DC Unemployment," when I know for a fact that the teller should inform me that there were only 3 checks instead of 4. She didn't and I know for a fact that I handed her four checks to be deposited into my primary account. Again, the missing check is DC Unemployment #** and it has my signature affixed on the back of the check so that anyone can cash this check who finds it. Also, I am going to cc the employment office to let them know that the Bank of America has lost one of their unemployment checks issued to me for $347.00.

If this check cannot be located, then I hold Bank of America responsible for all fees involved with the DC Unemployment issuing another replacement check and cancelling the lost check in question. I look forward to an immediate reply since I plan to take this matter to corporate headquarters and file a formal complaint about how my problem is being handled by its employees. Thank you.

I then called the BofA credit card customer service line. Same result: there is nothing they can do and the funds must be verified before I am able to make my payment and I will be charged a late fee if I do not make the payment. I called my checking account customer service line again to basically beg them to release my money so that I could pay it back to them - all to no avail. And I was also informed by the rudest customer service person I've ever spoken to that I had better not try to make the payment because my account would go negative and I would be charged a $35.00 fee.

So let me get this straight Bank of America - you are withholding my money from me and will be charging me a fee because I now can't pay you since you have my money? This is the most ludicrous thing I have ever heard. Bank of America is a scam. For one thing, that is my money, not yours. It is not your money to hold onto for 7 days. As a former Bank of America employee, I know all you have to do to verify that the funds are available in a huge bank, such as Wells Fargo, is call over and ask them. I did it many times as a teller. And yet corporate for some reason can justify taking 7 days to do this?

Furthermore, my checking account, savings account, and credit card are all through Bank of America. Bank of America is holding onto my paycheck and yet Bank of America is unwilling to pay itself the money it is owed. Consumers should not have this feeling of frustration and helplessness. Our banks are here as a service to us. They work for us. This is our money, not theirs. We pay them to take care of our money, not keep it from us and charge us extortionate fees. If this is the future of banking, I’m considering the old money under the mattress trick. I feel my money would be more secure that way.

I have tried to manage my account online since they say would be the most up to date information, but if a transaction does not appear on their most up to date system, are we going backwards in time to where we have to keep our purchases written on paper? I realize that I have a responsibility to manage my account. However, they have a responsibility to not manipulate transactions to their advantage. Keeping track of debit card pendings and holds on deposits/withdrawals to avoid Wachovia fees, have become such a battle that I will rather close my account than continue this horrible experience. Wachovia has been the worst bank I have ever had to deal with in my life.

Keep in mind, I receive my direct deposit on 8/1/09 from the State of Texas - actually BOA receives my direct deposit on 7/30 but they hold it until 8/1/09. She stated they do that for pending transactions now. If this is policy for BOA, why are their customers not informed of this information? How can they change policy about my funds and my account without informing their "valued" customer of the changes? I told her that they are stealing money from their customers when they do that. How are you going to charge a fee for a transaction that is pending and has not yet been cleared through the bank?

She stated there was nothing she could do about it. I then went online and talked to an online rep. I do not remember his name but the supervisor stated his name was Sam. He then told me that this is their practice and they will not do anything about it. When I asked for a corporate number, he stated they don't have a number, just an address. This is ridiculous. I am being penalized for pending transactions. They took a total of $140 from my account and $135 of that was for a transaction that had not even cleared the bank.

I have never been treated like this before. They didn't even try to satisfy a "valued" customer as they stated when they pulled up my information on both the phone and the internet. They just stated what they were not going to and moved on from that point. All of this took place 8/6/09. I tried to contact them 8/1/09 and the line was so busy I couldn't get through. I work 8 to 5 with the state. It is difficult to find time to do what needs to be done. I am outraged that banks are pleading with the government for funds and ripping off the people who trust them to take care of their money. I will be sending this information to every possible consumer agency to try to get this resolved. It is obvious that Bank of America doesn't care. I pray that you all do. Thank you.

I was outraged! 5 overdraft fees! Why? I deposited to cover the pending transactions. I freaked out and called the 1-800 #. The associate explained. Of course, they post to their convenience to collect fees and he said he could only refund 3 of these fees ($35 each). I was still in a negative $202. Oh wow, my husband ran and did a side job to cover this. I posted before turnover time. Again, the next morning, there were more overdraft fees! 5 more! I mean what is going on?! The associate said if I get more fees, to call and they would try to refund since I was going to do a deposit.

I called today and the system that allows this was down, so they could not refund. I went and borrowed money to cover this once more and Omg! 4 more overdraft fees! What is going on? I cannot catch a break. I asked them if now they are charging pending transactions an overdraft fee immediately. We have had a rough 2 past months. I lost my job and I am starting a new one Monday (Thank God).

I believe Bank of America is charging overdraft fees on pending transactions. I believe this is wrong. I remember depositing money when I was in a negative to cover these pending and nothing happened. We are, as a country, in a recession and I believe that these big banks are taking advantage of people who are struggling. I wish that someone would investigate this. I know there must be more victims like me out there. I cannot believe I have lost so much money in 3 days. School starts soon and I could have used that money for my children. I am sure they charged me for pending transactions. How could they do this? Please help me. What is lost is lost, but I would like for this not to continue. Thank you so much for this opportunity to speak out.