Bank of America Reviews

In my situation, the branch I go to has not been allowing cash deposits at the ATM after hours. Probably so you can't "save" your account from overdraft fees, and they make more money. This is infinitely frustrating to me because I work nights and bank hours are not my hours. I've tried several times to go and deposit money and it hasn't been working, wasting my time and gas. This week I forgot about an automatic withdrawal that I have set up, and I saw that it was pending. I've gone and put money in while something was pending, and my account hasn't gone over, but this time, the bank's ATM was out of commission again, and I got up early in the morning and made the deposit at an inconvenient time for me because of this.

Anyway, it was too late, and my account went over. This is BS because it is not my fault their ATM is never working. When I confronted the branch about it, they told me to call the number on the back of my debit card. I did this, and they were so rude to me, treating me like a low-life and would not remove the charge. They side-stepped my questions about shuffling transactions and I got fed up and ended the conversation. Even when you are diligent about writing down each transaction, BofA will find a way to steal money from you. They will hold deposits and shuffle transactions, holding items for days until your account is low enough to go over if they put that transaction through now. Honestly, I have no clue how this is legal. A lot of people on this site are complaining about this same issue, and something needs to be done about it by authorities.

This was after them randomly charging me for the "free" checking account I signed up for. They are a terrible customer service oriented business, but they try to cover it up by talking with you nicely. They are awful and no one should have any kind of business dealings with this bank. I lost $70 in the week that my $650 rent and $289 car payment were due and I struggled for gas money and grocery money. I did close all 3 of my accounts with them.

I am in the process of closing my account. I have been a customer of theirs for more than 4 years and have both of my paychecks deposited into my account via direct deposit but are lately losing more than half of my check due to overdraft fees. Keeping track of debit card holds and holds on deposits to avoid Wachovia fees, has become such a battle that I will rather close my account than continue this horrible experience. I am shocked to read about many similar experiences, but yet the bank is still allowed to continue such practices. I will advise anyone to keep their money away from Wachovia, or they may also be overwhelmed with overdraft fees, even if they consider themselves responsible individuals.

I was given the runaround by every department Wachovia have, and no one helped me. It took me 2 days to even get a response of "we cannot reverse the transaction." I was given numbers that no one answered and kept directing me back to a department that said they couldn't help me. No one could see anyone else's notes of the arrangements that I had made to bring the savings account back to $0 balance. I even went to a local branch to try and get this resolved, and the manager of the branch was given the same runaround that I was given. The manager of the local branch was very sincere and helpful of trying to get this matter resolved for me, but to no avail.

Other than him (the manager of the local branch), I felt like I was being shoved around from person to person and number to number, and no one from Wachovia wanted to help me resolve this matter. I am very dissatisfied with Wachovia services, and I would never recommend them to anyone for banking business. They have a very poor administrative system or whatever they want to call it, and I will never do business with them of any kind ever in life. Another thing that really ticked me off with them is that it is my account, but I am not allowed to put no more than $100 per month. But they have a department that can go in and take money from my checking account for well over $100. My opinion is this is very bad business.

Yes, I own the fact that I made the mistake. It snowballed when I did not know how they charged the fees. Then, they deduct them in when you use your ATM. You think the charges are out of your account, so they get put back in and like one of the representative said, "It's not our fault that the merchant draws the funds when he feels like it." That is the explanation I got. Do you think BOA did some survey? They would find out how much the customers they want to make happy, some of them who may have incurred NSF fee are wondering "how do I cover these $175 NSF?" Fees they incurred on $1.99, $4.54, $5.74, $7.86, $8.22. I don't even think those add up to $35. How can they do this highway robbery? That person is me. I just need to know how this can be justified. $17,580 I have spent with no care from Bank of America.

On August 8th, I deposited a check from work. To my astonishment, what resulted on Monday was a negative $17 balance. Upon further investigation, I found that they had randomly made $100 available immediately, in order to cover the negative $82, then promptly charged my account another $35 for extended overdraft (and this was done two days after I had already deposited a check). On top of that, they put a hold on $475 of my account for 9 days.

This is not a joke. I deposited a check, am waved off goodbye, and am hit with a 9-day hold on the money deposited. I can't get my check back to cash elsewhere, and I can't gain access to the money. I am simply told that I will have no money for the next 9 or 10 days, which means I can't drive to work, or buy food, or pay rent. If they had just told me that there would be a ridiculous 9-day hold, I'd have gone to a Wal-Mart and cashed the check but they didn't tell me.

Right now, I have 30 cents left. I don't know what to tell my boss, or how I will get to work. There's no public transportation in suburban PA, and even if there were, I'd have no money to use it. I haven't eaten in two days now. I got paid, but I don't have the money. I called Bank of America, and a very nasal and mechanical customer service rep answered. She assured me that the 9-day hold is a standard hold on all checks deposited. Imagine this in the nasal tones of a customer service rep reading a script. I don't know how I'll drive to work for the seven days left. I have 30 cents in nickels, and my boss will not understand. I was just paid, he'll point out. I also won't have food. I'm going to get fired.

I called on Saturday, Aug. 8, 2009, and spoke to Carly and Boobie ** (manager) about my account because my online account shows that they over drafted me before I was out of money and then over drafted me again for something that was supposed to have been paid for. I asked him to explain it to me and he told me that first, the bank pays for holds and the bank pays for process items. However, the online statement showed that the process items were already paid for. But Bobbie said that the bank paid for two hold items first and then the process items and two, the process items caused me to go over and the overdraft fees are $35 apiece and then the cost is $17.28 which brings a total of $87.28 as my overdraft fee.

However, I shouldn't have been over drafted because I had enough money to cover all my purchases. When I add all my purchases, it is less than the amount in my account. However, I received two over drafting notices saying that I had over drafted. But one of the notices were for the amount of money that Bobbie ** had told me that was paid first out of my account which follows the online statement but Mr. ** told me that the online statement is not accurate.

So, the information online and at the ATM does not match their system. Also, I had returned an item and the money had gone to my card. When I checked my card at the ATM, it showed up but the bank said it wasn't there until the next day. I asked if the bank could check my inquiries and they said yes but their system does not show the amount of money I had at that time.

Long story short, the bank has been giving me the runaround and has refused to provide valid documentation to prove how their system run differently and that the online or ATM statements are inaccurate. Also, the bank has refused to show how I actually over drafted and the hard copy of all my accesses to my account. And, when I went to the Newport branch in Jersey City, I was denied to see the head of the branch. I was told he never comes to the bank and I needed to call him and set appointment but no one answered when I called.

She has refused to transfer funds from my BofA checking to a CD account and told me she couldn't comply with my requests as well as with my BofA investment accounts. The BofA customer service online service does not provide for complaints! This person resembles someone who is very angry with her personal situation and also understands that BofA has been/is involved in possible criminal activity. She is afraid! Although her anger may not be her doing, she perpetuates BofA's negligence (already within the confines of judicial notice) with her terrible customer service.

Well, on August 7, 2009, I wrote out a Bank of America personal check made payable to my landlord (Yvonne **) in the amount of $500 for my August rent. I gave the check and a Provident deposit slip to my boyfriend (Shakir **) to deposit the $500 check into my landlord's Provident bank account along with his $500 for rent due. Well, instead he goes to a Bank of America bank and cashes the check made to my landlord, shows the teller his ID and signs the back of the check. The teller then gives him $500 cash and places the money pending in my account as (-$500.00), decreasing the funds available to me less $500 in my account. I called Bank of America’s 1-800 number to find out how this was possible for him to cash a check not made payable to me and I was told I had to call the branch manager at the bank where the check was cashed.

I called the Bank of America on Greenmount Avenue and requested to speak with the branch manager. I was told he was with a customer and she could help me. I informed her of what happened and gave her my account information. She confirmed she found the transaction in question and while on the phone with her, she asked the teller if she remembered cashing the check. I heard the teller respond, “Yes, it was the man that comes in here all the time.” The teller on the phone then told her that the check was not made payable to him and then asked me if I could hold on. When she returned to the phone she stated that the teller was training someone at the time and must have overlooked the name. I then stated that I wanted a full explanation in writing of the incident and a written response of the action taken to assure me this incident would not happen again.

She told me I would have to speak with the manager who was still with another customer. I told her I would wait that her answer was not acceptable. The branch manager then got on the phone and I explained the incident again and asked for a written statement of the incident and the action that would be taken as a result. He started making up excuses, how the teller that cashed the check was a supervisor, that he normally authorizes her to make exceptions for certain transactions and she was training as well and normally she doesn't make those types of errors. Again, I asked him what assurance do I have that if I misplaced or lost a check that someone couldn't just come into his bank, show ID and be given cash out of my account. He told me he was busy and he was the only one their and that he would have to call me back before six o’clock. He also stated he would have to contact his legal department to find out what steps could be taken to provide me with a written statement of the incident. Thank you for your time.

A check for $198.40 was posted on 8/4 (2 days prior to the date on the check). That same day, a charge for $1.70 was posted for a purchase made on 8/2. The following day, I received an email alerting me that my account was overdrawn. However, it was too late to avoid the fees, since both charges were already cleared. I made a deposit to my account to bring the account back into good standing and attempted to dispute these pending overdraft fees. I also explained at that time that when a pending bill payment posted, it would cause yet another overdraft. The associate was unwilling to even address the fees until all items had cleared.

I would be willing to accept one fee for a check that put my account into the red. Although it was a misunderstanding, the fact that the check was cashed early was still my error. However, the other 2 fees need to be removed ASAP. One fee is for a cup of coffee that was purchased 2 days prior to posting. If the charge had been taken out of my account in a timely fashion, no overdraft would have occurred. The last overdraft also would have been avoided had the associate reversed this fee when it was addressed on the same day (while still pending).

When I called after this had happened, two separate associates told me that they were not authorized to remove any of these charges. I left a voice mail for a manager in the escalated complaints department at 6:15am local time yesterday, 8/6; and I have yet to receive a return call. If these issues are not resolved, I will be closing my account.

It then went on to say, "When the account is closed, any checks presented for payment will be returned account closed and if you have an ATM/check card, it will no longer access the account. A cashier's check for any collected balance will be mailed to you after all previously deposited items have been verified." We called up and a Bank of America representative said that the account will close out on August 4, 2009. Why would it take a week and a half to close out from the supposed availability date? They said they would overnight our funds via FedEx. So that would mean we would receive our check August 5, 2009. My wife made sure to stay home all day so that she would not miss the FedEx truck. Nothing ever came that day.

She figured, alright, we will give it another day but just to be sure, she called Bank of America on August 6, 2009. The Bank of America representative told her that the account was going to be closed on or about August 11, 2009. Why did the date change? She asked to speak to a supervisor and the representative said that there was no supervisor she could speak to at the time and to call back. Then, my wife asked to speak to the representative who told her the account would be closed on August 4, 2009. The representative said that she could not put him on the phone either and to call back. What else can we possible do to get our money? This has put so much stress into our lives because we are behind in all of our payments.

So I had the funds, but since the overdraft fees were accessed first, which I do not understand why, I had overdraft fees. I had no money for the purchases that were claimed by the vendors that did not process the payment to begin with. The customer service rep hung up when I told her the fees were outrageous and I was going to close my accounts. Then, I called again and asked to speak to the manager. The manager reported that on 08/03/09, I had a balance of $520.00 but I spent about $540. That is the reason I had so many overdraft fees on 08/04/09. I was over-drafted about $304.00, but the total amount for the fees was $315.00. Then, I did not spend money that I did not have, but I had to pay for fees.

This has affected my family and myself significantly because it is a one family income. My husband stays home to take care of my daughters. I have bills to pay and this only makes it more difficult to pay for those bills. This is a domino effect because my funds are reduced by $315.00 and that money was allocated for bills such as home phone and utilities; in addition, buy necessary items for my children to return to school.

Well when I checked my account the next day, I had (2) $35.00 fees on my account. What BOA did was on the 14th, they took the $25.43 out of my account first thing, and then started processing the checks that cleared, which made me bounce the $54.80 and $6.99 charge. If anything, I didn't have enough money in my account to cover the $25.43 pending charge. I had enough in my account to cover the others.

How can BOA legally take an authorization and put it before actual charges that are coming through? And by the way, $25.43 charges didn't even get cleared until the night of 15th, so I shouldn't have been charged any fees. Then to make matters worse, since I don’t get paid until the end of the month, I was charged another $35.00 extended overdraft fee. I was charged $35.00 for my account being overdrawn by their fees. How can this ** be legal?

Somebody has written their program to look at each circumstance so that they can charge their customers all these fees. I asked BOA to credit all the charges and I get the same answer that everybody else does. It's a valid charge so we can’t credit the $35.00. I would think actual charges should be processed before authorizations. They should have denied the authorization and said I don’t have enough funds in my account. We need to get a class action suit together, please give me a call anybody to start this. I was extremely upset. My blood pressure raised and I had a headache for days.

I never did this! But the Privacy Assist institution, which is an affiliate of Bank of America, received from Bank of America my debit account numbers so they could charge my account. I saw this amount right away and called the bank to have it cancelled and reverse the fees. I was told that it was cancelled and I would not be charged. In the following months, I was charged monthly and I followed up with monthly calls, always telling me it would be cancelled. Eight months later, I called again and finally was given a number to call Privacy Assist. Now I'm explaining the same thing to them. They did cancel my account, but only credited me for two months. I needed to contact Bank of America to get the rest, $77.94.

Bank of America credited the $77.94 back to my account and then a month later, reversed it back onto my account. Their explanation was that "I" gave out my debit card number and "I" now must close that account because it has fraudulent activity on it. The only fraud was from the bank itself. They attached a third party onto my checking account without my authorization. When I asked for proof that I pressed the buttons to activate this service, they could not provide me with that information. I must now go into my home branch and close out my debit card and fill in papers stating that fraudulent activity occurred on my account. The only fraud was from Bank of America.

I have since contacted several times, asking them to give me my money. I had received a call from Dispute Services, and the all was settled. BofA would still not release my money, and as a result, I have had to write bad checks for groceries and dog food and my car was repossessed! I called Risk again today (August 3, 2009), and my money will not be released until August 10, 2009, at which time, I will not be able to get my car back. I have never dealt with the rudeness and behavior of a bank like this.

I had $162.20 in my checking account on 30 July 2009. I made a check card debit in the amount of $5.00 on my account on July 30, 2009 and the sum total shown on account is now $157.20. I again made another debit in the amount of $29.72 on 31 July 2009 and the account now shows $127.48. These items were verified via computer banking! Items were deducted and shown as pending. I checked my account on 01 August 2009. My retirement had been posted and the account was now totaling $1,146.72. I am still in the black.

Now, here is when it starts to sore. I had forgotten that I had written a check for $200.00. The item was shown to clear on 31 July 2009 and what does BofA do? They post the check first due to its sum even though the prior two debit transactions were accomplished first.

Their explanation was that they post in the order of the largest item, which was the check, and not in the order of precedence, the two debit purchases. Thus, the total is as follows: $200.00 from the $162.20 total is now -$37.80, the $29.72 total is now -$67.52, and finally, $5.00. And the grand total is -$72.52 plus fees in the amount of 3 X $35.00 totaling $105.00. In talking to the CSR, he explained that this is the way BofA accomplishes the checking account even though the first two debit items were accomplished first.

I talked to the manager and he basically stated that this was the way it was accomplished and that customers were alerted in the year of 1999. I stated to the manager that I was not aware of this procedure and I stated that this was not explained to me when I transferred my account from Arizona in September 2000. His next response was I should have been aware of this as it is posted on the internet. Give me a break! His next response was that this was unfortunately nonnegotiable!

I stated to the manager that it was my fault due to the check posting earlier than expected and that I felt I was responsible for the fees on the check--not on the debit transactions, as they should be posted in the order of precedence! He kindly stated that this was not their policy and sorry, but those are the rules - BofA rules!

I am sorry but though this is not a lot of money, this policy is shady, to say the least. I explained to BofA that I have been a customer since 1989 and that their business practices and policies have cost them a 20-year customer! I will transfer all my funds from my BofA account and leave $1.00 in it as a protest until I get a call or letter from their CRS in Tampa, FL. Of course, their response will be the company line! I am sure that this is not legal business process.

I will accept responsibility for my mistake (the check) but do not give me the ** that this is the way we do business and you should know this. The bottom line is the fees is what they want at any cost! At this time, I will close my account and start with another bank or CU which utilizes common sense..

The next day, I called them about retrieving the funds in my account ($1,000). I got a nice gentleman who relentlessly searched for an answer and finally passed me through to the executive branch. I was informed that my account was closed due to the fact that they were "unable to satisfy my customer needs". Special arrangements were made for me to be able to pick up my account balance at my local branch, per my request (they wanted to mail me a check). I was also told that an explanation was mailed to me, but since I have not received it, she would overnight me a copy. I never received it either. I did not think that the Chairman/CEO would personally attack me by retaliating and closing my account himself. It seems to me that if they can't make money off customers with fraudulent fees, then they don't want your business at all. What a low-blow! Very low.

I was unable to vocalize one of my questions before she opened my sealed transcripts without my explicit consent, thus rendering them unofficial. With this, she surely wasted my time and money. She offered no apologies and instead, she attempted to shift the blame on me. She shrugged, made excuses, rolled her eyes at me and was exceedingly unpleasant. My question was simply whether or not any other notary was needed on the envelope of my transcripts, the envelope that reads "unofficial if seal is broken". Bank of America owes $10.00 for my now "unofficial" transcript and for my time in visiting Bank of America and the initial trying task of obtaining the previously stated transcript.

This is the total because per each month, we paid additional to go toward the principal. However, on the 3rd month, we started receiving calls from Bank of America informing us that we owe a sum of $18,000. Each time, we explained that we had selected a loan modification and papers were notarized. Each time, the agent could actually pull up all this information on their computer; however, we were told at first that it would take about 90 days for all to upload. Then a few days would go by and another agent would call. Then, we were told it would take about 120 days for our modification to be uploaded in their system. Each time, we were directed to HUD number and they would verify our paperwork and the lengthy time to add to their system. This happened like every other day starting the last two weeks of June.

Then on July 21st, we received a telephone call from one of Bank of America's agents and was told that we were going to receive a Notice of Intent to Accelerate. We really started to freak out then! With my husband's many telephone calls, one of the team leaders referred him to Alva **. Thanks to Ms. **, she is the main person who finally really tried to help us at the bank! We think this is so unfair of Bank of America! We have been in this home since 1973 and never have we had something like this happen to us! We did everything correct and this is what Bank of America is doing to us! Now we were told by Ms. Alva ** that a gentleman has been assigned on our loan modification and maybe he can get one close or another one altogether. We are just sick with worry!

This will adversely affect my credit score and the possibility of refinancing my home to make it more affordable, putting me in more hardship. I asked to be transferred to another financial stress rep who would not resend the decision and told me there was no supervisor I could speak to and that he could take my phone number and someone would get back with me in 24-48 hours. He then told me it was because of high credit card debt that Ryan lowered my credit limit, which was false. When I became upset, he told me not to worry about the impact on my credit rating and that he could not allow me to vent anymore. This does not seem fair or reasonable and I would hope that it's not legal. I also don't understand why there is no customer problem resolution center for banks. If I had treated a customer the way those guys did, I would have been fired and escorted out by security promptly. It seems they get bailed out and then get away with murder and we just keep getting screwed. Please help.

This has caused great stress on me because just yesterday I couldn't even buy a pack of bacon for my children to eat. It is hurtful to turn to my children last night and tell them I had no money when I first saw the error, which at that time had put me in the red, for $299 already. I am struggling to pay bills to begin with and for this to happen is devastating. I have no trust in these banks at all, especially Bank of America.

I have been with Bank of America for over 20 years now. We have a small business and have many accounts with BOA. I have kept a substantial amount of money in our accounts for 3 years now. We have an equity line, business credit cards, personal credit cards, 2 savings accounts and 2 checking accounts. I have put up with many internal mistakes made by BOA that have inconvenienced my life greatly. I did not charge them for their mistakes and my professional time spent in their branch trying to remedy the situations caused by a human behind one of their computers. One incident took a full year to fix, the other took 6 months to rectify.

An example of one is my business Visa bills quit coming to my home. I began to worry so I went to the bank. No one had any idea why this happened and I was receiving late fees for their mistake. I would go to the branch and go through the procedure with a professional banker and each time, I was told that "this time, they have fixed it!" But still no bills would come. I went in to Bank of America many times for 6 months on this subject. Finally, I received a bill and it had been sent to Afghanistan then back to the states to my address. Wow! How did that happen? So it finally got figured out.

This time, the trouble was overdrafts that occurred during this past week as we were moving our business to a new location. In 2 days, 11 overdrafts accrued in my personal checking account. While I was moving my company, I was also changing my high speed internet service. I tried several times to go online to check my accounts, but due to changes to my online carrier, the bank did not recognize my online ID. I followed the procedure to change my online ID about 5 times and could not get through. So I went about my business moving. I got some help last night from a friend and had to change some computer settings and finally got online to see that I had 11 overdrafts. I, of course, transferred money from an in-branch BOA account to more than cover this issue and put some into my overdraft protection account.

I went to my local branch of 15 years first thing this morning and was denied removal of the bank charges. I was told that Bank of America changed their procedure and no longer allows branch managers to remove charges? Then the manager said, "Well, but I can remove 3 even though I am not supposed to." What? Now how does that work? She can't but now she can, but only 3 leaving me out $280.00 of my hard earned money. Does Bank of America have little people in their computers that are highly paid to charge individuals $35.00 each time they make a purchase? No, this is just a computerized program that is taking advantage of millions of individuals, young and old. There is nothing personal about it, it is a nifty computer program that makes banks a lot of easy cash.

Most people feel helpless and do nothing about it. What has happened to the relationship we once had with our own personal bankers? What has happened to the ethical business procedures. And when we put our money into a bank, isn't it like loaning it to them? Or should we really have to pay fees for them to "manage our money"? How is it that the banks are in so much trouble when they charge so much to all of us to borrow our cash? I have over $20,000.00 right now sitting in other Bank of America accounts through the very same branch that has denied me a pardon. For the past 3 years, I have kept over $50,000.00 in my accounts through this same branch.

This past year, Bank of America randomly had began charging my account without notice $35 per month to "manage my accounts". I finally went in and asked why I was being charged. I was refunded one month of it and the charges were stopped. How does this happened? So now when I am in a situation, they take my money and deny my request for a pardon. I will begin moving my business to another bank ASAP.

I was asked by the branch manager if I worked for the company the check was issued by. This is true to some extent, as I do side work for this company; but they are not my primary employer. And besides, what business is this of BOA? After being harassed for another 10 minutes, I was allowed to stand back in line again. I told the teller (same one) that this was the most inconvenient, disrespectful experience I've ever had at a bank; and he came back with my cash, $6 short! They never once explained up front that it cost $6 to cash a check that was drawn on their bank, in fact, their branch.

As I walked out the door (actually almost kicked their windows in), I had to mutter under my breath "** bank", and I was asked not to come back. In fact, I will be back, just to be able to do this again! I worked hard for the money I earned, and it's the bank's responsibility to cash that check, regardless of having an account, going to my bank to deposit it, or any other number of excuses. I could have simply gone to a check-cashing place and gotten much less grief over cashing a check with valid ID.

The first purchase was in the amount of $6.00 which the bank should have refused due to insufficient funds, but did not. Then, another two items were purchased while the account was over drafted. This is wrong! Bank of America operates to maximize the number of fees it can acquire from its customers through what I would consider as fraud.

She told me that by making 4 consecutive payments drafted electronically from my bank account, they would forgive the remaining balance that I had over the credit limit. They did not do that. She stated that I needed to make minimum payments of at least $160. I told her to make it $200. She guaranteed me that by accepting this program, I was not risking negative reports to the credit bureau and after 4 months, the account would be brought current. I explained to her at that time that I was in the market to buy a home and that would be detrimental. She assured me that they would not report negative or past due any further and that the account would be brought current.

However, I go to get pre-qualified for a loan and Bank of America has reported my account late and past due continuously since December, causing a tremendous impact on my credit score. They did bring the account current, yet they continued to report late/past due to the bureau. They deceived me about the facts of their terms of the plan which I never received in writing anyway. I spoke with someone in the corporate offices (supposedly an advocate for consumers) and she informed me that the payment date that I chose was past my original due date for billing; therefore, my payments were considered late every month.

They never informed me that by choosing such a date, it would reflect late payment. She led me to believe that by accepting this plan, it would override my previous terms of the card. I received my first statement according to the new terms. Lo and behold, I was a month past due! I immediately called and was told that they would remove that charge and they did. All payments have been made according to the date and according to the verbal agreement. That has destroyed my chances of becoming a homeowner for at least another year.

I think that the deceptive practices by the customer account managers should be monitored closely. I have every intention of paying BOA that's why I called them. However, they should not lie or exaggerate the truth regarding their terms and conditions just to collect. Bank of America has not lived up to their end of the agreement. I will pay my debt I incurred. I will pay it according to the terms presented to me. It's time Bank of America steps up to their end of the agreement and train their representatives to be clear and thorough in their efforts to assist their customers in times such as these.

I have since learned the hard way that my local branch is not indicative of the Bank of America corporate culture. At the request of my local branch manager, I sent any and all information I had regarding the scam to the risk department on the west coast. The risk department never once replied to me via email or phone, flagged my account as frozen, debited my account -$875,000 and then had the nerve to charge me overdraft fees. On top of that, since no one in the risk department ever informed me of the process by which they would be investigating the fraud, I opened up a new checking and savings from which I could manage my personal accounts.

I learned later that I was not supposed to open any new accounts. Bank of America then froze those new accounts, too, even though they had nothing to do with the previous problem. They held my personal money, my unemployment, and my savings hostage with no communication at all. Because the risk department was involved, the local branch was unable to help me. Clearly, Bank of America's risk department has all the power of the IRS. I have called the risk department several times and have been treated as if I was the criminal despite my being completely honest and helping them the entire way. They just moved money in and out of my accounts with no explanation to me, charged me assorted fees, and were completely uncooperative to help me figure all this out. After weeks of fighting them, I have gotten all but $60 back. I'm sick of them, I'm sick of being treated badly, and I give up. They can keep the $60. I will, however, make it my mission to let as many people know as possible what a horrible institution Bank of America is and that no one should ever trust these people to manage their money. Bank of America can go to hell!

How can they let a teenage child make that much in overdrafts? When my paychecks don't clear, I cannot use my card. The bank has just ripped my son off. He doesn't have the money to pay it. I have to pay it and I am on a fixed income. $500 for a total of $80 in overdraft fees is way too much. They said that if I pay $300 in seven days, they would waive the $175.

So I called again to complain and was told that if I had said something the first time, they may have been able to do more. But now the $26 has been accepted and there is no more that can be done. Even though I said that the last time, I was told the $26 was all they could do. Furthermore, if they sent my mail to the right address, which they won't do, I would have been able to correct the problem sooner. But they still can't put my correct address in because I can't verify incorrect information they have listed for me. On top of this, now they are saying that they can make my card decline if there aren't funds available! Magically, now they can do that after hundreds of dollars in overdraft fees! Not one person for their company can explain to me what the money from these fees actually goes towards and why they need it.

And when I pointed out that the truth is that most of it goes towards their companies' profits, I get silence. I am often hung up on or disconnected when I call. I have tried repeatedly to find out why if I continue to ask that my card be declined, that they can't do it with no good explanation. I was told that the $80 that I did not want taken from the account since it was not available, was taken after someone from their company decided to pay it for me because of my good record with their company. Fine, then let it come out of their paycheck! I did not apply for a credit card from them and I do not want them extending any credit to me. That's essentially what they are doing, extending credit to people who did not apply for a credit card, who do not want a credit card, and who certainly don't want to pay such high fees for a service that they neither asked for or wanted! I am tired of banks getting away with this fraud. Something needs to be done and it needs to be done now!

I paid $30,000 on this car, and I don't think it's ok that I lose my car because she is asking the balance of the car. I try to lower the payments, which were $770.00. And before, I had other job. Now, I don't make the same. So they never wanted to lower the payment. I talked to Yolanda and Angela from Wachovia to lower the payments, but they didn't. Please help me. I was not working. Now I work but do not make money like before. Even Angela told me why I don't go live with some, so I can pay the car or find other job. Please I need your help. I try to pay the car, and it is not better for them to do better payment (lower) because of the economy. I can't sleep at night. Now, I have no car to work. I'm 52 years old.

If everyone would pass this along and go through with it even though it may be difficult due to automatic deposits or deducts, I believe they will get the message. I intend to contact everyone I know and have them spread the word. We are just the little guys that they could care less about, but together we can take a bite out of their you-know-what. One other insight: Anyone who may consider themselves celibate can no longer claim that. If they look at what banks and credit card companies are doing to them, you get my drift.

Needless to say, I felt belittled and insulted for him to call me a liar and a thief, without actually saying it! He (James) then stated he was also recommending closing my account because of this one time transaction into this account! I went into a branch and dealt with some very friendly and helpful tellers who tried to explain my situation, but James was still adamant about closing my account. I just tried to go into my account via web and it appears they have closed it out! I am glad they closed it! I do not want to do business with them ever again! I have one thing to say to Wachovia, who just got bought out by Wells Fargo because they couldn't pay their bills, oh, it was you! Now, who is the thief here?

I have asked why after 8 years of banking with them they do that. The woman’s reply was “We have to make sure the funds are available.” I asked have you ever seen a payroll check come back returned on my account, she had nothing else to say. I pleaded with the woman for about 10 minutes and she continued to go back to the same thing “You should know the funds were not available when you decided to take the money out.” Imagine what poor customer service they have.

Now my account has 3 $35 fees totaling $105, and they refuse to acknowledge that this is apparently a hardship for a family. I was only able to get the bare necessities for my family and have no gas. The bank this year has done this to me time and time again. I have now picked up another job in order to supplement the bank’s greed. I have paid $140 in fees just in the past month and a half. That amount pays for my electric bill and gas for the week.

It seems charging overdrafts to my account instead of following up on claims is an easy way out for these people. This is my VA disability pay that they decided it was easier to charge my accounts than to follow up on a claim. I filed another one and they had my name wrong along with the address that was wrong, but luckily it did arrive - thanks to the post man. When I called back, a lady by the name of Gracie had already canceled my claim and they told me that someone would call me back within 72 hours. Here, I sit now in the middle of the month while my accounts continue to get further drained by BOA.

However, I was so mad about your customer service. I have an account, $20k is in my account for more than a year, I deserve better. I’ll probably close that account very soon. The worst customer service lose so many customers. One of the victims is myself. I will close my account soon.

According to Bank of America, it shows that the request to stop the transfer was done; however, it was transferred anyways and after I called again, I was told sometimes this request to stop a transfer takes 48 hrs, so it still went through. I was not disclosed this info and even asked a manager to pull the phone call when I called to prove that the CSR confirmed this money would not be transferred, as a result proving this is Bank of America's error and I was told that the phone call was not recorded. I want this money credited and this checking account closed. They advised it will not close until I pay the fees but I don't feel that I owe these fees.

On days where I am expecting to have my paycheck electronically deposited, they will post the deposit at various times during the day of deposit. This coincidentally happens after all my purchases of that day have been posted. This gives Bank of America all sorts of excuses to charge multiple overdraft charges. Overdraft charges that they repeat every five days. This can amount to several hundreds of dollars every month. This, in turn, increases the probability of falling short the next month. Thus, creating a never ending cycle of overdraft income for the bank, while denying the consumer to catch up.

Because of this, I decided to take all of my money out of Bank of America, and start banking at a credit union. After I had taken my money out, Bank of America's repeat overdraft charges had accumulated a deficit of several hundreds of dollars. Even with this deficit, which by then was a few weeks old, they sent out a rent payment of $2,300.00, and now claim that I owe them over $3,200.00.

I had asked them to stop the payment and close my accounts. They replied that they "couldn't" stop the payment since it had already been sent out. Mind you, this is through online banking, and the check they send is their own check sent on my behalf. Why can't this bank order a stop payment on one of their own checks? In addition, what kind of bank sends out a check knowing the customer doesn't have the funds to cover it? This all smacks of conveniently putting the customer in a position of financial liability in order to leech fees.

As I stated in the opening, it's all probably legal, as the banking industry has bought the laws that allow them to do so. But shouldn't someone stand up for the guy who can't afford a lobbyist? I am hoping that by this complaint, these practices may come to a close.

I have been a 27-yr employee, retired in 1985 from a national firm, and a realtor since then, and again retired with a class A credit standing, and until now, never been robbed or defrauded. Wachovia has no idea how the loss occurred and Roswell Police have closed their file having no leads. This obviously is a gross breach of our contract with the bank as no permission was given to enter the box and certainly not to steal its contents. My wife and I think of this day and night, and feel we are being held hostage by the bank, not taking responsibility for this loss of our money - and obviously has been negligent in its failure of security procedures.

When I visited this bank for a followup about a week later, I approached the front desk and introduced myself by saying, “I'm the fellow who had his safe deposit box stolen.” The lady behind me took my arm and said quietly, she too had her box taken - but found later in a storage area. I secured her name, and phone. When you're dealing as an individual with a mega bank with 6000 offices est., you feel mighty helpless so we are reporting this incident to all government agencies & consumer complaint forums and news media possible to get Wachovia's attention and a proper settlement for what they have put us through. More than 6 weeks have passed, and each day they prevent us from access to our funds, increases their liability.

Since I live in a nursing home and have trouble writing sometimes, I put my parents on the account. Needless to say, I had no knowledge of this and on July 3, 2009, I wrote a check to the nursing home for $610. I was informed by the nursing home that the check was returned, account closed. I was shocked. My account had in it $898.32 and I wrote the $610 which should have left me $288.32. I also wrote a check for postage of $3.26 which brought my account to $285.06. I just cannot understand why they chose to not allow my check to the nursing home to be returned and pay the postage check?

After all the dust was settled, I had called the bank, spoke to numerous people and they don't know how this happened, especially as there was an approximately $4.00 amount that was due from his account and they took it out of my account. I had numerous times tried to have his name taken off because he also was in the nursing home after a bad stroke. The bank personnel told me that I would have to come in to remove his name but they could do all this by phone? I would like to know what happened to the other $26 I had that I didn't get credit for.

I called the bank a day before going in on the 14th, to find out what I needed to bring with me to open my account and fix the mess. Of course, they told me my account wasn't closed; they were going to use the money that was left in for maintenance charges. I never let my account go under $100 so I wouldn't get charged that. This was a senior account. So when I went to the bank branch on Joyce St in Fayetteville AR and spoke to **, she stated that she couldn't help me without my mother being there. The phone #479-521-3690. I had that account for over 30 to 35 years. Is there any way to recover the money lost in all these transactions? I did close that account just because of frustration, and went to Arvest in Huntsville AR.

I will never use Bank of America and if I were you, I would not use them either. No one went to fix this matter. Everyone who knows me know I would never do something like this now. I cannot get a job because I used to work as a mortgage processor. So, I am living on welfare until that runs out, then I am just hoping to make a living somehow. But how ever I have spoken to some lawyers about a lawsuit for the fact that my record is getting expungement, due to the fact I had to take an ARD program to get out of this, I did not have money for a lawyer. Now, my life is a mess and I am still living through what happened to me.

I was arrested. The police dept kept me for 5 days in jail feeding me cheese and water. No shower, no change of clothing. I was mistreated. I got out of jail Friday. My court hearing was Monday. They asked me where my attorney was. Now, I was furious about this, so I say to the system you have failed me and for my local Bank of America hiring unqualified people to work as tellers. This is a problem. I still am trying to find a way to work or make a living. Any lawyers willing to help me please contact me at **.

Then I called BoA and was transferred to the Disputes Department where I spoke to a rude and incompetent rep named Carrie. Carrie said that she would be unable to help me because I already called the company and they should have cancelled my order and that I did not call the two additional subsidiary companies that they also do business under, which also billed my card. She said that I would have to pay for these fees and that there is nothing Bank of America would do to help me and that I would have to pay for those charges. I was quite upset because it was BoA that gave me the number to call, which I did, and the company billed me under a different subsidiary anyway and now I was being forced to pay these outlandish costs. I tried to explain to the rep but she wouldn't listen or help me and just kept repeating that I would have to pay, was getting upset every time I responded that I would not be paying these fees and finally asked to talk to someone else.

This is where bad got worse and Carrie refused to transfer me to anyone else. So then I asked for her last name, which she refused to give and then asked for her employee ID number which she also did not provide. I responded that it was quite convenient that she did not have an employee ID nor could provide me with her last name. I told her that I would be writing a complaint letter and hopefully someone at BoA will be able to trace who pulled up my account, provided me with such poor service.

I called back and spoke to a Heather and told them that I was having a difficult time with Carrie and if someone else. Heather then directed me to Cynthia who was able to help me resolve my problem and instructed me to mail back the free samples and get a proof from the postal service. Then she said to call them back and mail in the proof of delivery and that they would take this issue up with the vendor and remove these charges. Furthermore, she issued me a new credit card number so that this company can't bill me anymore and I am on my way to resolving me issue.

So the real problem I feel was Carrie's incompetence because Heather and Cynthia provided me with alternatives to this dilemma. Hopefully, people like Carrie are weeded out and people like Heather and Cynthia are promoted so that loyal and long time customers like me of over 10 years and thousands of dollars of monthly transactions aren't lost to other banks with better customer service.

In May, I spoke to him about investing and he told me he had new offerings that tracked a European market and the S&P 500, but that in this case the principal was fully protected. On a second occasion, he repeated this description and explained that if the market went up, I could withdraw the money at any time and it would earn double the increase in the market (up to 10 % market increase) and even if the market went down (he had said that this term was 18 months) as long as I waited until the term of the investment was up, I would get the original principal back.

I invested $30,000 in this STEEPLS and in June of 2009, I called his office to see when the term of the investment was up and I could have the principal. I was told that the term was actually for two years and that the investment was protected only to a 10% loss. I told him that as he had misrepresented the terms of the investment, I wanted to have it voided and the principal returned to my account. ** referred me to his superior in Worcester, a Susan **, and I told her what had transpired. She said she would need to speak with her superior and then there passed a month in which there were many promises to call me which were unfulfilled. When I would manage to get through to her on the phone, there was a variety of excuses, such as, the superior is on vacation, etc. After several weeks, she called and said that her compliance officer told her that the bank was in full compliance with regulations and that I had paperwork describing the investment in full.

I said that since I had complete faith in Mr. ** and had no reason to doubt that he had described the investment to me correctly, I had seen no reason to examine the small print as his description was straightforward. I was told that the bank was not responsible for my “misunderstanding.” Of course, I have no recording of the conversations with Mr. **, but he clearly lied to me about the basics of the investment, no doubt, because I had refused to invest in the previous month's offerings expressly as the principal was not protected.

I got through to the loan specialist and he asked me the usual questions (general info) and I thought nothing of it. Slowly, I got to smell that he was investigating my credit, my business, and banking information - all this over me wanting to transfer funds from my own credit card that I had for years. What is this all about? I usually write a check and that’s it. I was on the phone on hold for at least one hour. Finally, the loan officer got back on the phone after asking me a billion questions and told me that he can’t give me this transfer. Not only that he couldn’t give me this transfer (upon his own decision), he said that he will lower every business credit line I have because my business is not doing well in 2009! What? Never mind that he got into my other credit cards and line of credits and lowered every credit limit on each card and closed one. He basically took away $65,000 in credit line away from me that took me over a decade to build. So now, no loan and no opportunity for one! Wow! That’s a shot in the back. All this because my business numbers are lower this year 2009. What happened to all these other years that the bank was making profits on me? One year and the guy took away basically 70% of my credit line.

To be honest, I have other banks that I can use, but it’s not the point. Why does our government giving so much money to the banks? Not only I didn’t get my transfer, but the bank also took money from me. Some America we live in. I called the bank to borrow and the bank ended up borrowing from me? What’s wrong with us people? How can we let this great country become this land of no more opportunities? Very nice way to treat an old and honest customer. If I hadn’t call, this would have never happened. I could have written a check like always and I wouldn’t be in this situation. That’s what’s amazing.

I am so upset over this, not for my own personal needs, but for other people who try to survive this tough economic disaster. In my 20 years of doing tier plus banking, I never faced such humiliation and disappointments from one single bank. I would never deal with Bank of America and I will encourage others, too! Slowly, I will withdraw every single fund I have there. And I hope one day the loan specialist and the bank who hired such specialist like him will face the consequences, too.

The branch manager refused to help in any way so I considered it a lesson learned, even though I was not able to make my rent due to the OD fees. I have been closely monitoring my account again to ensure it doesn't happen again. Unfortunately I made a decision to process a debit transaction (7/06/09) knowing the funds would not be available until the next day, incurring the OD fee. I checked the account Monday night and there was the pending transaction and the pending OD fee. I made a deposit covering the transaction and the fee. I used my debit card two more times, knowing the funds were available to cover those transactions.

When I reviewed my account following those transactions, they charged me two more OD fees for those charges that I had money to cover and did not overdraw the account. In addition there is one more OD fee with no transaction to tie it to. That is a total of $140 fees when I did expect $35. Prior to going to the bank, I have been researching this issue and there are over 250 complaints on BOA for the same issue. It does not seem these practices should be legal to issue OD fees when an account is not technically OD and it's a manner of processing transactions in their preference order instead of the order of occurrence. Because I am on such limited funds, I do not have the ability to hire legal counsel and obviously none of the other 250 complaints do either.

Well, this woman today, changed my mind. I was too upset to get her name, but she wears glasses and has short brown hair. What happened was that my father passed away. I'm POD on his account. My sister and I were trying to pay his last bills and tie loose ends. As if it's not hard enough to lose a loved one, we have his financial situation to deal with and close off, as anyone who has been in my shoes before would understand. Well today, this bank manager basically yelled at me through the drive through ATM. No "sorry for your loss," no "let me see what I can do," no, none of that. She just screamed "I need a death certificate!" and shunned me away, as all the other cars stared, humiliating.

I explained to her it takes a month to get that. I had a temp DC, and all other identification and proof that my father has passed. She didn't even ask me for it, I was so appalled after her insensitive shouting, that I just wanted to leave, and so I did leave, and I now have a sour image of Wachovia. I am not opening an account with Wachovia and I'm telling all my friends and family to go elsewhere too, or at least avoid that branch.

Also, in my last letter to these "people," I made a comment on how my June AT&T bill was paid twice. One payment was through that annoying bill paying service these crooks offer. Instead of addressing this issue in the manner it should have been addressed, these idiots gave me the same information I gave them about this matter and I am still out $23.89.

I received a letter on Thursday, July 9, 2009, from these "people," basically placing blame on me for their laziness and dishonesty by only addressing the AT&T issue and ignoring the rest of my letter. It is though they are willing to "resolve" simple issues with one-size.

BofA said my "e-mail alerts" only apply to my credit card, not my check card (I don't know why I would sign up for one without the other.), and they would not tell me when they started charging overdraft fees instead of simply refusing the card with an "insufficient funds" notice. They said it has been like this since 1990, but my experience told me differently. I feel consumers should be protected from banks that manipulate money to charge hundreds of dollars in fees in one single day and are under no obligation to inform the user within any given amount of time. They have e-mail and phone lines and can deny the card itself as they used to, but they earn far too much to do that anymore. When did this happen?

They would not waive the fees at this point and would not allow me to "unenroll" from overdraft protection, which I do and never did want. I feel this bank is scamming its customers, arranging deposits and withdrawals to generate negative balances that don't exist, then sending non-postmarked "snail mail" alerts that don't reach you before they charge you again for being late? I want a card that spends only the money I have! I thought that's what a debit card was when I got it.

I went to the bank under trenching rain, and the financial advisors, as they were very helpful, advised that I could not speak to the branch manager and advised that someone in customer service (800 number) had locked my account and that they were not able to reverse any of those charges. The only thing in life that cannot be reversed is death. How can the bank tell me that they cannot override the system? Since when do computers rule? We know that the bank needs people like me, living paycheck to paycheck, to charge those outrageous bank charges to be able to stay above water. If the bank would have reversed just one set of 5 NSF charges, I would have had some extra money to survive.

I have 2 daughters, who are in college which I pay for. They both are sick teenagers, who require endless doctor's appointments, time, and money. My husband, bless his heart, has congested heart failure and misses days at his job due to excessive heart palpitations. My mother is 72 years old with Alzheimer's and dementia. Even though we wake up everyday and go to work, we are in debt and cannot afford all these costly charges. Please, please check out Bank of America, because they are being unfair and are not running the business in a legal manner. How come they are able to get away with this?

So, I went to the bank and I have to say, they were the most cooperative ever. The financial adviser was ready to reverse my fees due to being told incorrect information and for being a long time customer. I felt happy and then he said it has been locked. I asked him; what do you mean locked? He said whoever you spoke to this morning locked your account so no one can reverse the fees. He did say it happened this morning because this feature is typically not locked and has to be done by an individual. He said he can’t do anything.

Although going into the branch was the best thing I did, I still cannot get these fees reversed. I cannot believe the money B of A makes in fees, $35.00 ten times. This is a total rip-off. So now, I need to take this higher because what we planned on living on for a week is now gone, poof, by bank fees, like they need more of our money! The government does a pretty good job of that when tax time comes. Please help me on what I can do to get my money back. Lesson learned and I just want my money back.

This caused our account to spiral into more overdraft fees. The money that was left after all the debits was eaten up by fees and then caused us to go into a negative a second time, causing more fees. Lost time from work, aggravation and not to mention a load of stress about our finances and how we are going to pay for our bills as we had planned on.

They said they will remove the unauthorized subscription to the Online Business Suite Account Management Services and credit my account for the $15. They said I will not be charged for it in the future. The next month (May) rolled around and it happened again! Same thing, spent an hour plus sending emails and calling just to get them to remove this charge and service from my account.

June came, same thing again, this time, I demanded through emails that they get this problem in front of a manager because I didn't want to have this happen every month. I sent about 8 emails total, each time they sent a form letter back and each time I asked if they even read the emails. Every reply keep saying they credited me for the $15 charge and that we were removed from that service. I told them each time that this keeps happening and I don't want to keep going through this - that this was the third month in a row and it keeps happening. I asked them to please explain how they will make sure this does not happen again and to get this email to a manager. It was to deaf ears! It happened again this month of July!

I am so fed up with this and Bank of America could not care less! It seems like a scam! Automatically enrolling someone over and over again as if they hope unaware victims will let it slide so Bank of America can make some extra money! I know first hand, and my friends do too, how Bank of America is so greedy. BOA orders the largest to the smallest charges on an account when an overdraft happens within the same day so BOA unfairly makes a lot more money on fees.

My friend was only around $10 short one day, but since BOA unfairly stacks the cards against their customers, he was charged $175 for 5 overdrafts! If they ordered it from the smallest charge to the largest, only the largest charge would have been over-drafted and he would only have had one single $35 fee! I won't even get started to BOA's "keep the change" scam-like program.

It's the greed of large financial corporations that has gotten this world into this huge financial crisis. When are they going to learn that it's unhealthy to treat their customers the way they do? Only when large corporations don't have the power of a monopoly and we have more choices! The customers and citizens lose while the CEOs win! Too big to fail? No, too big fails!

So, finally, I saw the chat online button to a customer service representative, and I tried that. Well, "William", was kind, quick and precise without me having to go into a long story or get upset. He refunded my account $70.00, which was refunding me 2 of the 3 fees I was charged. Even today, after I had responded to the rude email, the girl said "no" and so forth, still not answering my question as to why BOA sent me that change of fees letter. Even the online rep who was so helpful said the fee is $35.00. Oh well, I’m not going to fuss about it. I don't overdraw on my account, but it is the principle of the thing. Proper info, the letter said fees are being reduced to $30.00 instead. Thank goodness for reps like William.

I went to the branch to try to figure this out and even though two different people went through all charges and checked the math, ending with the same amount I had, they want to refer me to a "reconciling agent" who charges $20 an hour to do exactly what they just did. And this will all be on my expense. Three people went through my charges/deposits and came up with the same result and they still want me to pay $20 of my hard earned money to have a third party do the same? I don't think so.

This bank has terrible customer service policies and, in this day and age of economic crisis, should own up to their mistakes and make amends. I pay all my bills through this account and if nothing is done, I will take my money out of that bank so fast it'll make their heads spin. I spoke to the branch manager (who was one of the people who reviewed my book, coming up with the same results as mine) and told her that I refused to pay $20 to have someone else review my checkbook. Those are my finances and I will not allow some third party to look over them.

He mentioned that "because my credit report looks satisfactory, he has decided to close one account". I asked him 3 times, if he was sure what he was talking and he repeated the same thing. Upon my reasoning, he started asking me about my employment and salary, which I did provide him. However, he still decides to close my account. He closed both the accounts rather than one account.

He seemed sleepy on the Monday morning or maybe drunk/high, not helpful at all and the worst customer service representative ever. I would like to know, after many years of good relationship with your bank, on what basis did you decide on to pull my credit report and ask me about my employment on an existing account. I am upset that after so many years of valued relationship with a bank, I just lost all of it in one shot. However, I am more than happy that your bank lost a very valuable customer.

I would like an explanation on why I was treated like this after providing all the information that was asked. Another explanation on why would you ask employment info on an existing open and good standing account? Lastly, an apology letter from Kayode or OluKayode. I lost years of good credit standing with a bank with whom I thought I will apply for a home and business loan. To establish this kind of relationship, it will take me years.

We have had an extremely tough time with our payments as our mortgage balance keeps going up instead of down. I need to get this rectified as soon as possible.

Contributing this problem was how late the fees would post to the account in relation to the offending transactions. They charged me $35 for 14 transactions totaling $490 in fees for purchases totaling $40.83. Bank of America refunded $340 because they said that I hadn't overdrafted in 12 months and because they made a customer service error which added to the problem. Because they viewed this issue as several different occurrences rather than one big related occurrence, they refused to refund the rest of the money which I paid totaling $150.

I currently make less than $200 per month because of employment issues and school demands. I receive school loans to cover living and school costs. As a result, other financial obligations have gone into default, and I have to use family and friend assistance to get by.

I contacted the number provided, 800-945-7745, and was advised that they would be able to help because they are Wachovia employees. When I contacted the number, the rep transferred me to directly to R. ** who advised that it didn't matter how much I complained and who I complained to, they couldn't do anything. He advised me that they are not Wachovia employees and they cannot help me and that my intentions were not going to help the situation. I paid the amount totaling $60.81 because I work at a bank and it could cost me my job. This is cruel. From my eyes, they are charging me fees because I lent them $1.12. Is this not wrong? They ripped me off because I let them borrow $1.

I believe it was just to cover a simple mistake. However, it did happen on the big bank meltdown date of 9/22/2008, and this did give Wells Fargo a motive to lower the amount of my CD since interest rates fell by over 2% in just a couple of weeks. This could have been a business model to lower high interest rate fees of Wells Fargo after purchase of Wachovia. Many people will not know until end of year because that is when the CD's mature. They might show up with CD's of less value than stated. Thanks, after hours and hours on phone and person, I have been refunded the amount I lost due to interest rate switch. Money wise I am OK.

The lady said, if we did sub-accounts of my account "there would be no fees or monthly charges even without any minimum balance". I learned this month when my son's account dipped below $30 that it came to my attention. They had been deducting monthly fees from his account all along. I did not look for them as I was told no fees would be deducted. Our bank statement is on average 18 pages front and back.

They basically "deducted away through fees" my child's account after telling us "there would be no fees". When I called them, they said they would refund 3 months but would extend to 6 months "as a courtesy". That leaves about $200. They did not refund and refused to refund saying "I should have noticed it and called them sooner". Wachovia steals from children! That's my conclusion and it's despicable.

When I confronted Jessica, she charged toward me wagging her finger telling me I have to leave the center now. I felt threatened by this girl charging after me. When asked again if she and Nanquita were laughing, she made an excuse and I countered with us saying that because you got busted being unprofessional and disrespectful to me. Jessica, the acting manager, was wearing a tee-shirt with a religious mantra on the front. That is totally unprofessional attire. Jessica proceeded when I called her a hypocrite to threaten me over and over with calling security. Then finally, that wasn't enough and told me she was going to file charges against me because when she continued to point that finger at me. I told her don't point at me and started pointing back.

How does a customer get abused and threatened because those ghetto women can't take complaints? That is their job! I felt accosted and was berated by an acting manager. I am terrified to go to my bank. I have never been so appalled in my life. For the record, I was yelling but only, and I mean only, after Nanquita and Jessica treated me as if I were a joke. This was a terrifying and frightful experience. Was it racist not to wait on my husband who is white and these girls are black? I went in and they never asked my account or ID. I am a black female.

I told them that I would be cancelling my account as soon as I can get my direct deposit that I had just set up changed over to a different bank. I also told them I would tell everyone I know and tell the public in every way possible not to use their bank and if they are, to cancel. The associate I spoke to refused to let me speak to a supervisor. They said that it’s in the huge booklet they sent me, which states there that they could hold anyone's money at their discretion. Don't ever use this bank. They are heartless, money grabbing, useless people that waste the oxygen that God gave them. I had to bum money to buy food for my family.

I also returned something to one of the stores that evening. They didn't credit me that money as fast as they took my money. I still haven't gotten that credit two days later, which amounts to much more money than the two charges I made that night. It makes no sense that I am penalized for a charge that hasn't even hit my bank, it's only on hold. It is outrageous how the banks are treating their customers.

Additionally, there is no provision for notifying the customer that a check is being refused and that funds to cover it could be deposited (say, in cash) in order to avoid the refusal (and/or processing of overdraft fee) if received that day. Some banks have offered this as a service to long-term customers. Finally, there's no way to create even a tiny line of credit, say even $50-100, to cover such situations. One can avoid all this only if one is able to leave such an amount sitting in a secondary account to be used in case of such a drop below the line.

My accounts were going great until, I went to California to visit and forgot my PIN for my debit card. I decided to just go into a branch and get a new one. The representative told me since my account was opened in Nevada, she was not able to assist me in recovering my PIN and I need to contact the Nevada customer service line for further assistance (due to the fact that California's BofA runs off a system that is different than all the other BofA's?). So, I called NV customer service, the representative was very understanding and sent a copy of my PIN to me, she later informed me that to avoid the hassle and inconvenience for future situations due to the system. I should simply go online while in California and open a checking account, transfer my money over to the new account, that way, the California reps can better assist me.

I thought about it for awhile, I really didn’t need another checking. Is it my fault their systems are different? Anyway, I was so frustrated with the ordeal I went ahead and opened another account online while in California, hoping that it would make things easier since I do travel back and forth from California to Nevada and all my money is invested in my savings account with BofA.

This time around, while opening the account, it did not give me an instant same day approval but instead it instructed me to check my e-mail for further instructions. So, I figured since this is a second checking, the bank probably wants to re-verify everything. I was wrong! The next day, I went to sign on to my online banking and I was denied. So, I called the NV customer service again. They informed me that all my accounts are pending closure and I need to contact the Recovering/Risk Dept. At this point, I was upset and was trying to figure out why this is happening?

I spoke with a rep, Thomas from Recovery, who was very rude and basically told me before hanging up on me that I was reported to ChexSystems by another bank and all my accounts are pending closure?! I was shocked to hear this news, because this is the only account I opened! I called back and another rep told me to get a hold of ChexSystems and that is all she can tell me in regards to my account. So, what about the large sum of money I have in my savings and checking? How do I get my money? No answer from her, she was quick to get off the phone with me too!

So, I get a hold of my ChexSystems report and it states that I was reported in January of 09 (which I'm in the process of disputing as well). If that is so, then why did I get approved in February for not one, but two new accounts?! At this point, I'm furious and Head into a branch for further assistance. The rep informed me that on May 18th, 2009 (two days after I tried opening the second checking account) the Risk Department put a freeze on my checking account and all my money will be sent back to me as soon as the accounts officially close. I had 14 pending transactions and enough money to cover them before the freeze was placed (I guess they can't officially close the account until all pending transactions hard hit the account). So, I thought fine, I've had enough with this bank and want to take my money elsewhere! The rep told me that my money should be sent back to me in 7-10 business days.

I waited a week and a half and no money! So, I call the Risk Department again and was told that my account was negative in the time of closure so I would not be receiving any money back! I headed back to the branch and had a rep print out a summary of my transactions! This is what the Risk Department did: On May 18, 09, I had a balance of $225.51 in my checking account and $360.00 in my savings account. On May18, 09, I had 10 pending transactions totaling $198.32.and four transfers from my savings to checking, equaling $80.79. I had more than enough to cover my pending transactions ($225.51 - 198.32 = $27.19) plus my transfers from savings.

On May 18, 09, BofA, placed a debit-hold on my checking account, causing all my 14 pending transactions to go overdrawn (even though I had positive funds to cover all my transactions before the freeze was placed). This totaled in 14, $35.00 fee charges equaling $490.00 in charges! Instead of BofA realizing that the account was in a positive status to begin with and to refund or remove the charges, they instead took all my money from my savings account to cover all the fees without my authorization and is refusing to return back my money that is rightfully mine!

I have been on the phone every day since May 18, 09 with the Risk Department and have spoken with over 25 reps who all basically are giving me the run-a-round, instead of admitting they messed up. I have spoken with representatives and managers from the Risk Department, some in which agree with me and say they are putting in an "escalation request" to refund my money and to call back in 48 hours. I have been calling back for the last thirty days and it's the same thing! No one will give me my money or answers! It is now June 25, 09, I am still calling everyday and trying to get help! I need this money for my car and friend’s wedding! I will never deal with Bank of America again!

Due to Bank of America's lack of knowledge, I have no money and am behind in paying my bills and preparing for my future plans. I have been saving for months and BofA robbed me of all my savings! This has put anxiety and stress on my physical and emotional wellness. I have to live, literally, dollar for dollar just to make ends meet. The wedding is in three weeks and I need my money back so I can purchase my flight ticket. It’s not fair what BofA did and I don't understand how they can get away with this!

There are also unauthorized withdrawals from checking: 1) Two equal amounts of $521 (more than a thousand dollars) from a fraudulent purchase at newegg.com and 2) the same thousand dollars that the bank deposited temporarily due to distress. I filed a police report and was reimbursed months later. To add, there are hidden charges for services, which include 1) wire-transfer fee on both my account and the depository for the same wire transfer to equal $24 and 2) overdraft protection fee of $77 for checking tied to savings.

I made many trips to the bank. I closed all accounts. Also, I had to stop wire transfers. Now, I'm left with no banking services.

In the past week, the problem has escalated to the point that there is no response via the customer service phone lines. No one can assist you at a local branch or via the normal BofA customer help because this isn't truly BofA. We are told no one can help and they have taken the money we need to pay for prescriptions. My husband is a heart patient and the cost of the prescriptions can be rather high. So our money for the prescriptions has been deducted from our account and is still missing after 14 days. We had to pay for the prescriptions directly as we couldn't wait any longer to fill them. I was beginning to wonder if I had somehow been a victim of a scam as there is no one at BofA to contact for assistance.

I have asked repeatedly via an online "help ticket" and have received no response. They even had the nerve to write in notes that the problem had been resolved when in fact the problem is still very much a problem. I'm now requesting a phone call back, but alas, there’s no response. I don't know where else to turn. Please help. Thank you.

When I went to transfer the "keep the change" change from my savings to my checking because I was running low in my checking, the savings account had a zero balance due to BofA fees. Why did they get bailout money? Why?

On 2007, I purchased a house, on 2008, I tried to refinance when I discovered a lien on old sold property(?). I called the bank, spoke with 20 individuals, faxed all documents inquiring why this happened. I received a call, if I would pay $7,000 one citing loan they would rewrite and take off the lien. I received no further instructions. I finally contacted Mr.** with a letter, there was no reply, so I hired an attorney.

BOA continued to ask for all the documents to be faxed to them, but it never came back with a resolution or an answer to the ongoing problem. I have never said I do not owe the money. They have permission to take payment every month. Now, the lawyer is getting the same fax.

I took out the last of money my husband had after death, thinking I was paying them as suggested. The calls and having no resolution has been difficult on me as I am already suffering from depression and chronic condition. My husband died after serving 21 years in USMC, 17 years civil service to Uncle Sam, we took our responsibilities seriously, but to be continued to be shrugged off as though I were some bag of garbage, is not right. When/How can I resolve this problem?

In any event, I noticed that error right away, so I requested a teller to transfer the money from my own savings account to our joint saving. I asked her to do so at least 3 times. However, she withdrew the same amount from my checking account and put it in to our saving. Four days later, I received a letter stating that the tax returns check bounced because I deposited the check to my own saving while the check has more than one payees (my husband and I). Then, I checked all my BOA accounts online and noticed the teller's mistake.

I went to one of the local branches and tried to speak with the manager. Well, a customer service whatever guy blocked me from speaking with anyone with any managerial capacity. Instead, he told me that I made that mistake and refused to reimburse any interest whatsoever. Well, since I just graduated from law school, I presented my case and had them agree to reimburse the interest. However, the reimbursement has not taken place yet.

My husband sat down to wait when ** came and looked down at him. She said, "Don't give me attitude." Not sure how to respond to her badgering, my husband called me and asked if I had told ** about the PIN number. I said, "Yes, that's why you had to go down because she said you had to do it yourself." I was on the phone when my husband brought it to her attention, that she was told about the PIN number change. She continued with the bad attitude and said, "Oh well, I guess I just forgot."

Only after my husband requested to speak to her supervisor did he receive any help with his PIN number. The next person to help was a woman named ** who accused my husband of having a bad day even though she didn't witness anything that had previously happened with **. While my husband was leaving the bank, ** looked at him from her desk and yelled out, "Don't look at me! Don't stare at me! What are you looking at?" and proceeded to follow him to the door.

**'s supervisor witnessed her following and taunting my husband and promptly apologized for **'s behavior. My husband finally had enough and asked to speak to the manager to inform him that his customer service rep was acting more like she was in gang territory than a bank. After trying to excuse her behavior away, the bank manager said he would speak to **.

He cited that my total debt was too high and I wasn't a good risk. Just this year I've had to start paying almost $20,000 in student loans, which is the only thing I can think of. We both have stable employment and residence history (8 years for the home and 7 and 2 years for employment, respectively). I pleaded with him not to close the account and lower my limit because I know what that will do to my credit score, but he kept giving me the same excuse over and over. I am mad enough that I will be closing my credit card account even though I know that will affect my score even more negatively. I would welcome the chance to be part of a class action if warranted.

I contacted B of A, and was told that this was a new penalty that they added on June 5th. She said that all accounts that are overdrawn for five days, receive an additional penalty of $35.00. I told her that I just received a postcard notifying me that my account was over-drawn, and asked how they can charge me before they even notify me that I’m over-drawn initially. She said that they tacked on a note about this new penalty in the email we receive, that alerts us that our online statement is available. She never answered my question.

How can they charge someone a second penalty when they haven't even been notified of the infraction in the first place?! It seems like Bank of America is struggling. I am too, but I manage to get by without stealing from anyone.

Now, we have our vehicle (last thing we own) through Wachovia, and they have made a verbal agreement to "get us out of repossession" If we send (X) amount of money tomorrow. They refused to send a fax declaring the verbal agreement, not even an email. If this was just company policy, I guess I could understand but what I cannot understand is how they (customer service rep) could be so cold when I relayed our circumstances, in the hopes that we could at least feel better about sending almost $1,000.00 on "someone's" word. He was dismissive, cold, patronizing. Anything hateful that can be used here to describe this person, he was. In the end, I told him that I hope he never had to face losing his job and everything he owned, just to have someone like him belittle him.

Isn't that a rude answer? How is that a favor? You charged me for $185 for $7 and $8 charges? You failed to give me the correct information! They even mentioned they used to withdraw the funds immediately, but changed that 3 months ago, now wait until the companies cash the checks. They never sent me an info about it! I said, “Okay then, you should have declined the $260 because they decided to cash it more than 2 weeks later. And that I did not even dispute the overdraft fee, but 5 of them were not accurate. If you cleared the $260 and charged me overdraft fees for the other charges, that is fine. Or if I did not have $260 because of the $7 and $8, before $260 was cleared, then you charge me overdraft fee for $260. But how can you charge me for all of them and more after you keep billing me overdraft charges? You even charged me the fifth overdraft fee because of the fourth overdraft fee they billed me!”

No reason given, instead, I was yelled at, “Look, take us to court if you want. I will even send your term of agreement to your lawyer! That will be easier for you!”. I said I would never use Bank of America again and will open another bank account. Kevin threatened me, laughing, “We will come after you until we get our overdraft payments and make sure your credit is destroyed.” My request for the corporation's CEO information was declined; higher manager was declined. I sent an e-mail complaint, that was not responded. Did the congress use our tax dollars to bail out BoA so they can use it to train their supervisors to be abusive to their long-time customers? I have been their customer for 10 years.

I had $69.05 in total debits including 2 unexpected, one for $20.00 on my daughter's automatic reloading Starbucks card and the other $15.00 from my gym membership auto debit 2 days earlier than scheduled. It was an honest mistake. The largest debit of $34.00 paid first, followed by the $20.00 debit overdrawing my account. With $48.93 available in my account, the chain reaction began. If they had started with the smallest debit first, I would have had enough money to cover all my debits including the unexpected ones, except for the $34.00 debit resulting in 1 overdraft fee of $35.00 due the bank. That would be fair.

I work very hard for my money and live paycheck to paycheck since moving to Georgia. I currently live with my sister, a disabled Veteran. When I explained that I require a minimum of $210.00 returned to my account so I may meet my obligations for the end of the month, customer service refused. I even tried to negotiate and offered to let them have $70.00 to go to 2 of the overdraft fees, which I thought was more than fair. Still, they refuse.

On Friday, June 19, 2009, I called Wachovia's customer service. I talked with someone who was a non-American, non-English speaking person about this matter. That person thought I said I no longer wanted internet access to my account. So that person took it upon herself to deny me such access when I was trying to get set up to have my monthly statements mailed to me without getting any more of those annoying e-mail reminders about my monthly statements. Now, I no longer have this service available.

I have even gone further enough to contact both presidents of Wells Fargo and Wachovia about this matter, only to be belittled and patronized by Wachovia and getting no response from Wells Fargo. I am still getting those annoying e-mail reminders.

After wasting months upon months of my time trying to get this simple matter resolved, I am not going to waste any more of my time. This has gone on long enough. I am going to put an end to it quickly. My physical health is extremely weak, and it is getting weaker on a daily basis. I had a major surgery this month. I am looking at another major surgery within the next several months. I do not need this stress in my life to the point that my weak physical health will cause me to be hospitalized, and it's all because this bank refused to make this one simple change.

I thought I would use Wachovia's free bill paying service to pay my monthly telephone, but this was a mistake. The total amount of my telephone bill was removed three times from my checking account for a total of $71.67. One of those payments was applied to my parents' telephone bill, since AT&T thought that draft was from my mother's credit union checking account, not from my checking account. So AT&T applied such amount to my parents' bill.

Luckily, my mother got that straightened out with AT&T, but I am still having a battle with both sides which is further unnecessary stress for me. Therefore, I have removed that from my account, but knowing what Wachovia has done to me concerning my monthly statements not being mailed to me, it has most likely overrode this decision as well. If this turns out to be true, I will be glad to sue Wachovia for all of this unnecessary trouble it has given me for many months now.

Wachovia claims to have been rated number one in customer service for eight straight years. From the trouble I have had with this bank, I am beginning to wonder if this is nothing more than a pathological lie invented by this bank. If I do not get the results I am seeking soon, I will be glad to close my account and start conducting my banking business with a local bank that knows how to treat its customers right.

On my payday, Bank of America could not find my deposit. They finally found it at 3pm in my boyfriend's account. His account was way overdrawn, and my paycheck barely cleaned up his account. I never consented to my pay going into his indebted account. I told Bank of America this, and I was told to go to my employer for a reversal. I did. Bank of America then denied the reversal.

I had numerous conversations with Bank of America staff, and I was told different things by different staff. When I talked to Kelly at the Washington branch, she said calling her would do no good. She asked why I didn't just open my own account and said to stop calling her boss about this incident. I told her that in my opinion, Bank of America stole my paycheck. She said that is what I get for not verifying the numbers on the deposit slip. She also initially tried to say that I told her 3 times I had verified the numbers. I never said that. I told her I needed to get with my employer to get the numbers.

I did not get my $799.99 paycheck. I cannot afford my high blood pressure medicine or my insulin. Currently, my sugar is high (240 range). I also have no groceries. I sold most of my DVDs to afford gas to get back and forth to work and to buy the blood pressure medicines.

Further, what about checks I issued days or even weeks earlier? The response was we did what was proper. We finally got their "letter." It was dated the 22nd, not the 19th, as they had told us. The worst of this is the fees and cash advance fees totaling nearly $600.00. They are refusing to reverse; they are defending their position by saying that what they did was proper. At best, it is lying and thieving; probably, criminal and illegal. But we don't know where to get help. This is why we are writing you.

In total I received $700 in overdraft and overdraft related fees in just ten days. My card was finally declined on June 18, 2009 in which case I found out about the situation. The entire time I was being charged, I had more than enough to cover the overdrafts and fees in my savings account, but since I had not set up a protection plan (which costs an additional $10 and isn't adequately advertised), I acquired $700 in fees. After finding this out I called Bank of America and spoke first with a representative and then asked to speak to a manager. The manager told me he could only credit me one of the charges out of the twenty.

I am an AmeriCorps volunteer. I live on a living stipend of $830 a month while I give back to the community. These fees are almost an entire months income, two months of rent, six months of car insurance. I need this $700. There need to be regulations on this because those with the least money, those most in need, are the ones being scammed by this process.

I called BOA and was told it would take 3 days to process an 'electronic' stop payment as opposed to 1 day for a paper check. I was highly upset because of the amount of the payment and effect on my checking account. I called WFHM again and asked if their bank does 1-day processing of stop payments and was told they do, they found it unusual that BOA couldn't do it.

I called BOA back and confirmed 1 day is possible, they apologized but said they couldn't help me. I asked them to proceed with the stop payment and to transfer my cash from checking (would vanish due to mortgage payment) to savings, until this transaction took place. The agent did the transfer for me, apologized for not being to truly help me and we hung up. The next day, the mortgage payment went through my checking account, but the negative balance is lower than I expected.

BOA kept my money in checking against my wishes. The rep explained that once all the smoke cleared, I would have my cash back in checking (where I didn't want it) minus the $30 stop payment fee (that didn't help me) and a $35 insufficient fee for the transfer of my cash to savings by a rep who didn't warn me she'd have to deduct the $30 stop payment fee first. If she had told me there'd be a $30 fee that needs to be deducted from the transfer amount, it would've been fine.

At the end of the day, they insisted that they could not help me based on the new rules. With that, it forced me to take my business to another bank. It also caused me major problems with my payroll for my employees. Bank of America has never been great, but they were large and everywhere. Today, I know Bank of America is not worth the headache. I will leave and take my small business dollars to another bank since Bank of America does not care about the small guy. I also have 2 other business accounts with Bank of America that I plan to take elsewhere.

Because of what the bank did, I have zero money for food or anything and I don't know what I am going to do. I have $232.00 in the bank and that would have lasted me until I receive my pension at the end of the month. I can't pay for my phone, gas or transportation to even get to a job interview. I need help, I want my money back.

Once I found the account to be overdrawn on 6/9, I immediately deposited $60 before the pending transactions posted (which based on my receipt from the deposit showed that I had $7.29 available). When I came back to check my account online the next day, 6/10, I saw my $60 deposit has been eaten up by fees (as well as an additional deposit that posted for $80.42) and I again am showing a negative balance. At this point, I have no more cash to deposit and wait until the following morning for my paycheck to post before I called their customer service line and spoke to a representative named Tim who was kind enough to attempt to refund 1-2 of those fees, but felt I may have better luck speaking with someone higher than him to have them all waived after I explained my situation. I then spoke to a Team Leader named Tracy and a Supervisor named Derek, who advised me that the policy to waive fees changed since speaking with Tim. Nothing at all could be removed (So my question was, is the offer to remove fees based on personal preference?). I have deposited a total of $1,394.65 in my account within the past 4 days to make sure I had all "pending" transactions covered and I am still racking up overdraft fees as of yesterday, 6/10/09. I had according to Bank of America a total of 6 items posted, which were "pending" according to their website/automated phone system. They charged me six fees a day after I made a deposit to bring it positive, for the six pending (not yet at that time posted transactions). Then 2 days later, an additional $35 fee was added.

So from 6/9, when these transactions were pending (according to Bank of America posted because they claim they were pending 6/8 to 6/10, a total of 2 days), another fee was added. Why? According to the pop-up link on the fee, their system says: “Please note: If your account has a negative balance for 5 consecutive business days, you will receive an additional one-time Extended Overdrawn Balance Charge of $35 on the sixth day.” So why was I charged another fee? The system claims it is from overdraft item on 6/9. I had a $5.45 transaction that at the time was pending. When the $60 deposit was made on 6/9, I had $7.26 in available funds (I have the ATM receipt to show this). I find it funny how the layout of the transactions keeps changing on their website. Like they post stuff in any order, but then refer you back to their website to check your balance and avoid going over. They say one thing; check the website as a tool to help with the account. Then they say you can’t rely on that information (even though the charges are "pending" and showing having already been deducted from the balance). So, do they want us to use their "tools" or not, because they refer us to the website and the automated phone system for balance information, then they say not to rely on that information because it isn’t accurate.

So what they did was charge me $140.00 ($35X4) for over limit fees, when they could have used the $74.00 that was in my account to pay the $50, $2.50, $2.50 and $55.00, leaving $19.00 in my account and then charging me for just one over limit fee, that I deserve, because I did make an error in my account. I called, went to the bank, did email and chat, but no one will do anything about it. I am now emailing customer service, but all you get is prefabricated responses.

After sending them four emails, I requested the contact information for their complaints department (they have to have one) and asked if they belong to the BBB. But since I only get pre-populated responses, I haven't gotten the information yet for the nonsense that they say about arranging the debits from largest to smallest to save customers' money and pay larger or more important debits first (i.e. mortgage, car, etc).

The bottom line is they either will or won't overdraw your account based on your history. Obviously, the $75.00 debit was not my mortgage or car payment. I asked as a customer courtesy that they reverse three out of the four fees. Back in the golden days, when computers didn't run the world, a BofA rep would have seen the debits, and thought that I can pay three out of four of these debits without overdrawing this account. The computer and "policy" makes it so the consumer gets screwed.

I don't see how it's fair that they don't pay all they can with the money in your account, instead of maximizing their fees and doing it largest debits first. I have had no luck getting any help with this at all. I figure, if they can waste my money, then, I'll just offset my losses by wasting their time!

I have no gas to go to work tomorrow or get home. My mechanic is charging me every day because my car sits there, waiting for me to be able to buy parts to fix it. I have to pay people to bring me to work until my car is fixed!

Today, June 11, 2009, I noticed that the collection amount of $165.66 was deducted from my new checking account to pay for the fraudulent account's bank charges. Again, I spent a lot of time and a lot of calls to the bank to see if this can be resolved. If they cannot replace the funds today, my mortgage payment will bounce and cost me even more money. I have spent many hours because the bank did not do its job in the beginning and check the signature card at the branch level. Then the bank did not thoroughly handle the fraudulent account and its problems so I am charged fees on an account I never opened. The anxiety, depression and frustration levels from this are very high. The bank has been less than careful. The bank has been far less than thorough when handling problems that arise from their carelessness.

This is plain and simple racketeering-stealing! Not only does it reflect badly on the account holder for a long time, it isn't right. I spent at least an hour on a chat with the BOA representative about these charges and their explanation was that charges were authorized or pending but hadn't necessarily been sent through the bank, or an actual charge. In most of these cases, they never do come through the bank, but they charge the account for an NSF even if there was no actual money transaction. I was told last night by 2 BOA representatives that one of these charges was credited back to my account, but obviously that wasn't done. So BOA gets the taxpayer's money to "bail them out" while they continue to charge astronomical percentage on small overdrawn balances, but now they charge for not having an overdrawn balance, too! I could not go to work today or tomorrow because I have no gas and no money. If I make a deposit, the balance is so high that it will go in the hole. I don't get paid until Monday so I am home bound with $3 and 2 children. Americans are struggling to feed their families, find employment, healthcare, just survive and BOA profits from their misfortune! I have a hard time believing that this country and those in power can allow this abuse to continue. I am sending this to my representatives, the Commissioner of Banks, consumer watchdog advocates, and all federal agencies that have a consumer advocate. I have now spent hours fighting for money that I spent hours earning.

These smaller purchases would be covered by the checking account balance if they didn't take the largest transaction first. It would be understood if this happened occasionally but it has happened every time we have had overdraft fees in excessive amounts. I realize we have a responsibility to manage our account. However, they have a responsibility to not abuse their customers to their advantage.

We are in the process of closing this account. I have been a customer of theirs for 10 years and have consistently taken the largest transactions first so that they can take advantage of us by charging excessive overdraft fees for the smaller transactions. They refunded us $21.00 and then another $21.00 after I sent an email to the online customer service. Their branch in Chesapeake, VA was extremely uncooperative. One of their division heads, Brandon ** was even less helpful. We had to pay our rent late due to this transaction.

The first I heard of this debt was from a collection agency. I wrote and demanded copies of all receipts with my name on it. They sold the account to another collection agency and ignored my demand. I filed a complaint with the Postmaster General against the new collection agency and the one after that and the one after that, etc, etc. Every time I would file a complaint, they would just sell the debt to another collection agency. This harassment has been going on for thirteen years.

Recently, RJM has sent me a collection letter. They have owned this debt before and I filed a complaint against them with the Postmaster General. They probably don't even realize they've owned the debt before since it has been so many years. How do I get this to stop? These collection agencies are irresponsible. If I dispute the debt and ask for receipts with my "signature" on it, they refuse to comply, ignore me and sell the debt.

I do not believe that this debt is being reported because the statute of limitations has obviously run; however, the time and aggravation of dealing with it is enormous. The fact that the men who stole my checks did not pay for their crimes and the fact that Bank of America totally washed their hands of the situation, leaving me to deal with it is great. I know emotional distress is probably not your concern, but when does it end? Should I pay for certified mail to these people? When they ignore my dispute and refuse to mail documentation, should I pay for certified mail again to the next collection agency?

With $1400 less income due to BoA taking this for profit, I will now be forced to claim hardship on one of my mortgage payments. Ironically, the mortgage debt is with BoA (Countrywide).

I spoke with an associate who said he couldn't help, then a supervisor, who said the same. I was livid because the over draft charges were double what the claimed I went over. I called again and finally got two charges removed. I was thankful and asked a few times if I was going to be charged the next day and if I had anything to worry about. She claimed I was in the clear and had nothing pending. She assured me of this.

The very next day, I received another overdraft charge while my account was in the positive the prior day after having the two amounts refunded. The prior Tuesday and Wednesday, I had deposited a total of $200.00. Yet here I was, hit with another overdraft fee and my account came back in the negative. Even though I keep depositing money, they are robbing me of double the amount. My checks were local and should have cleared by then (one business day). Yet a day later, I was charged with two more charges on one day. That's 7 charges of $35.00, adding up to $225.00 in a 3 or 4 day period.

Another odd fact is that I had sent out any checks or used my debit card that week. I called again and they simply acted like robots. I said, "I'm now negative $25.00, I haven't used my card, I've deposited since the holiday weekend over $250.00, yet I'm being hit with charges and my account is negative. I can't get gas or buy food because of your robotic system." I might have been talking to robots because they just kept repeating, "There is nothing that we can do, sir." I tried being logical and explained the situation, but it was like talking to a wall. They are all corrupt! They time the deposits and credit charges to screw people like myself and make the bank a lot of money.

Simple questions regarding mother's maiden name, etc. are expected. But, to ask questions regarding additional family members who have had nothing to do with the account, including their current addresses, ages, marital status, etc. are extremely subversive and indicative of a lack of respect for their customers.

I will never do business with this company again and find their actions to be unconscionable and a true invasive action. This type of information is not critical but to use data gathering to the level shows intent to profile clients and use this information in a variety of methods not normally seen in day to day business interaction.

I have no credit cards, credit lines or loans with this company and now, I will have nothing to do with them going forward. Their explanations were marginal at best and they state the information was gathered through public sources. I left Wells Fargo fifteen years ago and now I am adding Bank of America to my black list of vendors to never do business with.

I am not disputing the overdraft fee for the $30 check that was written or any other fees that may have occurred after that, but I do not believe that I should be charged an overdraft fee for the other transactions that I have listed above. I have called your call center and spoken to two agents, two supervisors and was placed to a voice mail without be advised that I was being sent to a voice mail box. All of these agents except one supervisor who was kind enough to give me a courtesy credit of $50 were unwilling to help with the return of these overdraft fees. I feel as if I am being penalized because your system feels that it is best to clear the higher dollar amount first instead of clearing items in the order that they were purchased.

I was also told by the first supervisor that I was being penalized for charging the items as a credit instead of using my PIN number and doing things as a debit. She stated that if I had done these charges as a debit I would have never been charged these fees. If that is the case, then time and date should matter in both situations and I should not have been charged the fees in the first place. I am requesting the remaining of my fees to be returned to my account taking into account the $50 credit that was already placed in my account. There was a total of $140 in fees charged and after the $50 credit that leaves a remaining credit of $90 that I feel is due to me.

It began over two months ago, when my ATM number was stolen while working abroad for several months. After trying to reach the “toll free” number, which is not toll free, I spent money to call the international number to have my card halted and a new one issued. Of course, the call was abruptly halted when my credits ran out ($15). However, my account was frozen and I believed a card was issued.

Problem #1: Bank of America refuses to assist customers via email or IM. I can only assume this is for security purposes, which is odd considering I’m allowed to make any number of financial transactions moving large amounts of money around, but I cannot make a request for service or expedite the issuance of a new card, even to my home address which has been on file with BOA for over six years.

The number they request that you call (315) is disconnected. And when you call the standard customer service line, you wait lengths of time to get through and often run out of credit in the process. I've spent at least $50 USD on hold trying to get the necessary information to a representative only to be disconnected as they transfer me or due to lack of credit. However, it is mandatory, there is no exception, no one could ever possibly contact you (which would also address the fraud issue) or find a way to make an exception and allow you to communicate via email on their own site. BOA functionally ties your hands so completely, you have no recourse and they refuse you access to your own money, which is rightfully yours.

Problem #2: “Customer service agents are either powerless or incompetent. Next, after repeated attempts at service, I began emailing unable to get through to customer service. Each time I explained my situation, I was sent a form letter from five different representatives. Each one telling me how valuable I am as a customer and how truly sorry they are at what I've been through, yet they don’t respond to a single request or they give me completely inaccurate information. Moreover, I find it hard to believe that Bank of America cannot find a way to provide any level of customer service except for form email letters.

A representative could have contacted a manager and requested special permission to approve an expedited shipment, conduct a call, or have someone call me from an appropriate place at BOA offices in order to rectify a situation that has become increasingly problematic due to BOA’s handling of the issue. I gave every bit of information I could about my situation and asked repeatedly for service, including my phone number, asking for someone to please contact me because I've tried, but I never received a single response from the same person who could’ve chosen to follow-up and actually try to help a customer in distress. Instead, everyone copies and pastes their form letter with no interest or desire to serve the client.

As for the misinformation I received, it is constant and pervasive. When I called the international line and asked for a new card to be issued, I was told yes of course right away. The card has not arrived 1.5 months later. When I IM’ed with a customer service representative, I was told my new card would be overnighted to my home, because he could not expedite it to Tanzania. It was confirmed several times in writing as was my address. Two weeks later, I still do not have a card.

When the online representative told me via email they issued me a new card to Tanzania (I explained I’d spoken with someone online right after and they said it would take forever so I asked it be sent to my home and then colleagues could forward) and I explained the situation, however difficult that might have been, I was told that the card had in fact sent to my home address. However, what had actually happened was immediately canceled my card and reissued it to my home address through standard mail, meaning I still don’t have it. There are many more details in the attached should you ever choose to review the horror verbatim and wade through what has been a nightmare of an experience and made my trip abroad very difficult. I will be canceling my account upon my return.

I still do not know if Bank of America has any intention of correcting the first problem concerning our homeowners' insurance policy. The bank took out $413.00 for homeowners insurance on April 13, 2009 and then they took out another $413.00 for homeowners insurance on May 11, 2009. BofA took out of our escrow account a total of $826.00. So now, it seems that we have to pay $413.00 for a mistake that the bank made in the first place. On Thursday, May 14, 2009, I received an answer to a message that I had sent to BofA about the problem of money being taken out of our escrow account twice for the payment to AAA for our homeowners insurance. They are going to investigate and then let me know the results. On Tuesday, May 19, 2009, we received an email asking us to complete a survey on how we were treated by Bank of America with our problem. Needless to say, we did not give them a very good score on any of the questions.

I'm in the process of trying to obtain a mortgage in this horrible economic climate and through BOA's actions, that I did not deserve, my credit scores will be lowered because they closed my account and lowered my credit limits. This is the most unethical business practices I have ever seen. If BOA had been an honorable company, picked up the telephone and treated me like a "valued customer," a resolution could have been reached that did not damage my credit scores. However, they chose to make global decisions and treat their entire client base like unworthy and irresponsible credit risks, a decision which on my part couldn't be further from the truth.

I'm very upset that BOA is treating the American public in this manner. It is unethical and poor customer relations, a decision that BOA will not have to pay for, but I will. I will pay higher interest rates for any extended credit I get because BOA will report to the credit bureaus I'm an unworthy risk, when only 2 days prior to closing my account, BOA sent me a letter encouraging me to transfer my balances. This is unethical behavior, period.

I said I didn't open any accounts, but it was fruitless to talk to the young man. He could not answer any of my questions. I had lost sleep and my blood sugar went up to 281. I didn't need that. I am on a limited income. I got on the phone and got a wonderful angel named Amy. She found out that not only did I have a new savings account, but checking too. I screamed! I asked what the h--- happened, and she said that it might have been a contest of which employee could get the most people to sign up for a new savings and checking account, with incentives. It screwed up my bills. She really took care of me. She cleaned up and straightened up my account.

I am going to my bank to get an explanation. Again, they do have some good people and integral people at BOA. Thank you, Amy. God bless you.

She told me (not asked) that she would be reducing my credit limit from $60,000 to $25,000. I firmly argued this, based on my history of being a stellar customer. I requested to speak to a manager. She put me on hold for about 12 minutes then came back and informed me that she spoke to her manager and he concurred with her. I told her that she and her manager just discussed my account without me being a part of the discussion, and then told her again that I had requested to actually speak to a manager myself. She told me that it was not possible and she would have to put in a request and a manager would call me back. I told her that she had just spent 12 minutes with a manager discussing my account, and I want to speak to him/her now. She told me he had left the office. I asked for another manager and told her I would not hang up until I spoke to someone.

She put me on hold for another 10-15 minutes then Dennis came on the phone. I argued strongly with him for quite some time, and he told me things like, "It's because of people like you that BOA is in the state that it's in." and "If you borrowed your full limit, you wouldn't be able to pay it back." I continued to tell him that I wanted my credit limit back to where it was, and that they would not even have changed it if I hadn't called in to ask for a service that was completely unrelated. He said he would make a note in the file that I had "requested an increase to my credit limit." I said that I was not requesting an increase, that I was simply asking that they put it back to where it was before I called them! He would not. The total phone call from start to finish was 1 hour and 38 minutes.

My credit report will be negatively affected by a $35,000 reduction of credit limit. I am now going to call other banks and attempt to move my balances from BOA to another company so that I can close my BOA accounts, including MBNA, which I was not even aware was part of BOA.

Back on 4/9/09, when I made a payment to my Visa card, the money goes out of my checking account and floats out on the wires in nowhere land for two days or so until they finally credit the payment on to my Visa card. Yet the moment I make a charge on my Visa card, it shows up within 30 minutes or so. I have overdraft protection on my checking account linked to my Visa. Back on 4/13/09, my account became overdrawn by $37.39. They then hit my account with five overdraft fees for five items that should have been covered by my Visa card. They even charged me an overdraft fee of $35 for a $5.78 transaction. They said that even though the online banking shows the Visa card had a credit of $265 available credit, it wasn't available to cover the overdraft so my account became even more overdrawn and because they hit me with five fees for five transactions, my account was overdrawn by $250.63.

I complained about the transaction that was less than $6 and being charged $35 fee for it and they credited me back for two of the fees. What upsets me is that they continue to hit my account with these excessive overdraft fees. As soon as I can pay off my account, I think I am going to close it.

The Bank of America has never before allowed use of a card or authorized debits when no money was in that account. This appears an obvious effort to defraud me of what little in funds I had. I am asking the Attorney General to step in and perform an investigation of Bank of America's history of changing the order of debits and deposits, altered authorization in order to collect fees and other evidences of fraud and malfeasance toward myself and the public. Thank you. I hope the state of Texas fines the bank and shows their corruption even while they feed on billions at the public's expense.

Let me preface this story by telling you that in the 23 years that I have been a reporting consumer, I have never missed a payment to any creditor. I have never had a collection. I have never had a lien or judgement, nothing. I have copies of all 3 of my credit reports (Equifax, Experian, and Transunion) that are dated April 2009 and they will each back that up. Not even 9 months ago (before this all began), my average credit score was 785!

My nightmare w/ Bank of America that began last year started with them taking away my entire HELOC without any notice! As soon as I realized that the money was gone, I went to the branch. I was told that due to the declining real estate market, they were forced to take away HELOC from thousands of customers that had over 80% loan to value (LTV). I told them that there was no way I had anywhere near that high of a LTV. After weeks of phone calls and letters, I finally decided to prove this by getting a $350 full appraisal done.

Sure enough, my home came back appraised at $380,000. My primary mortgage is only for $105,000 with Wells Fargo. So what did they do? They gave me back only 25% of what I originally had, even after the appraisal (and they chose the company) proved that I was at less than 60% LTV and was deserving of a higher loan amount. I was so disgusted that I took what measly amount they reinstated and went on my way.

Now, I am having even bigger problems with them. How do they thank me for having eight (8) accounts and all of my business with them? How do they thank me for never missing a single payment on a credit line or credit card? Well, over the past 3 months, my two credit cards which used to be three until they simply closed one without warning (which lowered my score a little) went from 0% (my "promo" rate that they lured me in with) to 24.99%! I have sent letters. I have sent copies of all 3 of my credit reports showing that I have never been late to anyone in 23 years.

They do not care! They are thieves! They simply sent me back a generic letter that pretty much told me "too bad", and that they have every right to raise a rate to the default rate once the promo rate has expired. There was no regard for the fact that I have a perfect payment history(!), no regard for the fact that I have given them a lot of business over the years and that I have 7 accounts with them. They also reduced one of my credit limits on a Mastercard which has also reduced my score by about 30 points to my estimation.

I really need some help here. I have sent letters to the FTC - no response. I have mailed letters to the bank - no response except for the one letter that was computer generated and told me that the 24.99% was there to stay. This is absolute stealing and has caused me financial hardship by lowering my excellent credit score from 785 to 675. Now how do I buy another investment property? And this has caused me tremendous stress. I am continuing to make my payments on time, even though they are now more than double due to the interest rate increase. Please let me know if there is any way you can help. Thank you in advance for any help you may have to offer.

We had no idea when we would get home today and the lender needed this information as not to hold up our escrow. So, we stopped into your Palmdale (CA) Branch on Palmdale Blvd about 12 noon. I (John) went in and explained my problem to a teller. I was directed to a lady standing near the door. I went to her and again explained my simple request. She told me, I would have to wait for my next statement after May 10th, 2009! She refused to even look up the copy of the check and or our statement and we had our ID and everything! I was to return home to my computer that was 40 miles away! I was polite and told her this could delay the closing of our escrow if we could not get this information to our lender. She was indifferent to information. I thought it interesting that before us, another BofA customer was making what sounded like a simple request and he left upset, like me! I called your customer service line and explained my problem.

The operator also said he could not help. I asked for a supervisor and I got a Mr. **. I explained my problem to him. I was again turned down. I wanted a simple copy of a check and a copy of my statement for my home loan escrow, that’s it! I went all day away from a computer and no way to access your website or obtain the information. To say I am upset is an understatement. Once we got home, we got the copy of the check and then had to drive back into town (12 miles away) to fax these items to the lender late tonight. Now that we are back home, we are sending you this letter to inform you we are making good on our promise to close our accounts with you which we have had for the last 25 years!

Nine months ago, I closed my Bank of America Visa account with you as I watched my interest rates climb for no reason at all! We had considered doing a home loan with BofA and did in fact get a pre-qualification letter from BofA back in late March. We decided not to do our home loan with BofA for two reasons. First, BofA was not really forthcoming with the best loan (and we are not desperate men with poor credit). We were able to get a 4.8% interest rate with no points with another lender, so your loan offer was horrible compared to others in the home loan business. With our high credit scores, we do not need to deal with banks that do business like this! Next, we have been told on more than one occasion that BofA will call near the end of Escrow and demand more money from the borrower just to close escrow. We were not going to change it with BofA. Your loan offer got shoved to the bottom of the pile not to be considered again!

Now, because of a total lack of service, we will be closing our account with BofA which has been in existence since the mid 1980s! I would have closed our account today but it will take time to switch over our automatic deposits from The Los Angeles Police Department and Time Warner Cable. Please take this letter as a formal complaint towards your BofA branch on Palmdale Blvd, and how your bank refused to help a long-term client with a simple problem. This lack of service has cost your bank a customer. Given the recent federal stress test that BofA failed, it appears you needed us more than we need you! We will not put up with this. We simply do not have to.

We give the above account about 30 days left (that’s how long I expect us to shut it down) before it is closed and we stop doing all business with your bank. We are glad we listened to our gut when we decided not to have Bank of America handle our new home loans! We would not want to deal with a bank that is under federal pressure for mismanagement and treats long-term customers like this. We intend to go out and celebrate the day this account is closed for good!

Well, it took nine months and all my savings to go completely broke. My car was repossessed and very soon, my child and I were homeless. We lost all our possessions as well trying to save our car for work and school. We ended up living in a homeless shelter for four months. The credit I was trying to build was ruined and the momentum of reconfiguring our lives was gone forever. My husband somehow used an employee of Bank of America to re-route my annuity into his account since 2003. Bank of America was bound by a legal divorce decree to hold this account only to catch the annuity and disburse the funds to each of us. I have since learned that my ex used this account for his own personal banking business and allowed (now pay attention because this is important) co-mingling of funds to take place without my knowledge. The only way this was possible was for him to have a friend working at Bank of America.