Bank of America Reviews

I am a 60-year old widow who lost her job 8 months ago, so my balance with Bank of America has been a lot lower than it was when I worked. I have been trying to live on my $400.00 widow pension. Recently, the IRS levied my account in error (I am considered a hardship case) and took all I had in my checking account. When I called the IRS, they faxed Bank of America ASAP and reversed the levy. I called BOA when I saw my account still at 0 and was informed that they took five $35.00 overdraft fees plus a $100.00 processing fee, so I was still overdrawn $142.00. I tried to explain that the IRS did this, I didn't overdraw my account and they said they couldn't help and refused to reverse the fees. Via emails that I have sent the bank recently, telling them that I was still out of work so please don't close my account due to a low balance, they were aware of my problems. To date, they have ignored me.

Since May 14, 2009, my checking account was charged $315 in overdraft fees. I understand that the first time I over drafted and was charged $70.00 in fees, it was my fault and I left it alone. The second time between 6/8/09 and 6/10/09, I checked and re-checked the balance before making transactions over the weekend. Apparently, deposits that I had set up to be made via PayPal took several days to post (I find this amusing as well having made many PayPal deposits to my Bank of America accounts in the past, it normally wouldn’t take 3-5 days for them to post; its like they are posting the deposits at their leisure to ensure that they can take advantage of someone) and other transactions that I saw online as pending" with available funds in my account on their automated phone system apparently were not correct amounts (this information was given to me by several representatives that I should use the online account information or the automated phone system as tools to prevent over drafting my account; but when I question why I keep showing available funds as well as "pending" not "posted" transactions, I was then told by their reps that the information I see online or hear over their automated system is not correct so I can't rely on it).

A few weeks ago, I realized that my account was going to be close so I transferred some money from savings to have it covered. I don't use the BofA savings because the interest rates suck. Anyhow, the day before the credit posts, I have $74.00 in my account. I have four outstanding debits at this time $50.00, $2.50, $2.50 and $75.00. So what BofA does is rearrange the order of debits from highest to lowest, not the order in which they receive them, like they used to 16 years ago when I opened my account.

For 2 and a half months of me depositing my paycheck into my account, they hold it for 3 days; I guess so they can draw interest off of it and make their money. Meanwhile, I go hungry waiting for my funds to be available. Keep in mind I have no negative checks as I use only my debit most of the time. They will not give me a reason, only a day to day basis? This is wrong, I have been there for over 3 years and they keep my money? This is not right and I hope something is done!

On March 12, 2009, I noticed that there was an extra checking account showing online with my accounts. The Bank of America at 7850 Kingswood Dr, Citrus Heights, CA 95610 allowed this account to be opened despite the fact that they had a signature card with my actual signature on it. No one ever called me to verify anything. Victims Assistance spoke with me and took down information about this. The ID Theft person, Bernie, gave me a case number. All the accounts were closed and I had to open a new checking and new savings account and change security codes and passwords for security purposes. I was told the bank would handle the fraud case. I have spent hours in person and on the telephone with the bank attempting to resolve this. Last week during the first week of June, the ER Solutions collection agency called me to collect bank fees and overdrafts on the fraudulent account. Once again I spent time in person and on the phone with the bank. The bank and ER Solutions assured me the collection was cancelled.

I wanted to discuss a problem with a banker and the person doing the triage was the rudest possible, ending up by flatly declaring that they can't do it (while I know for sure they can as it was done before) and that I could wait to see a banker, but that they won't do anything.

I have been charged 4 NSF, 3 of which should have never been applied. I was charged $35 on 6/8/09 and my balance was +$38.09 making my balance +$3.08. Because of this charge, it caused a debit of $25.69 to bring my account to a negative balance, which in turn caused another NSF charge. At this point there should have never been an NSF charge at all because my account never went into a negative balance and the balance would be +$12.40, but instead it was -$57.60. Now when a charge of $21.35 came out of my account, my balance should have been -$13.29, but BOA now has me at -$78.95 and BOA charged me another 2 charges of $35 ($70) bringing my total to -$148.95! My account balance should actually be at -$48.29. This has become a common practice with BOA, I guess this has been their way to take advantage of the economic crisis and continue to profit on accounts that run low on funds! How can it be legal to charge a debit on an account with NSF charges when the balance has not been overdrawn? Well, their answer to that is to set up a savings account (with them of course) or a credit card so that they can transfer funds from one account to another. There will be a service charge for this, I'm sure! So instead, they charge your account for a negative balance that "might" or "could" happen.

I am asked for a refund for the $210 in overdraft fees. Wachovia’s bad business practices are consistently unreasonable. Their system conveniently takes out the largest check/transaction first which puts the account in a negative balance. They then conveniently take the smaller transactions ($5.00, $6.50, $11.20, and etc.) after that and then claim "well, I am sorry the system does that." That conveniently allows them to charge excessive overdraft fees for the smaller purchases.

In 1996, Bank of America mailed my checks to an address where I had not lived for 3 years. The person living at my address gave those checks to two men who then wrote checks all over Arlington, Texas. Charges were filed against these two men but because of misconduct on the part of the police officers, the charges were eventually dismissed so nothing happened to them. Apparently, unbeknownst to me, these men also obtained a Comp-U-Card MasterCard in my name. I am assuming this was through CompUSA, which has now gone out of business.

Bank of America has charged me 3 illegal overdrafts. I need to know where I can send my documents so I can get my money back. I have looked on the web and found out that Bank of America has done to too many people. They receive $15 million bailout with taxpayers’ money and then they charge their customers $35.00 per overdraft when there is money in the customer’s account. I will be going through all my statements from when I opened my account with them to see how many other times they have done this.

We lived in Fullerton, CA and were with BOA since 1978. Problems appeared when we began using the Orange branch. First, it was not being balance in the bank book, then money came up missing. Then I was a target of ATM theft. I don't know how many times. I called "Rasheda" in Frauds. As a third party, I could hear all her conversations. Rasheda gave us this was a common occurrence and although this card was fraudulently used 3-4 times, I asked Rasheda how someone could ** my account so quickly, but Rasheda has no appropriate answer. We had opened another business account, but when this number was stolen, we reported this to the bank. The same vice president reassured us it happened, but back up her statements. Then we had so many business, all my business accounts to balance our books easier for taxes, we asked that all accounts of. We continue to receive bills from BOA ranging from $700 to as a low as $73. Now my credit updates from Mannech, who apparently has given forms as a class action law suit.

Bank of America just closed my accounts. When I called and asked why, I was transferred to risk management. The risk management people said Bank of America was closing my accounts because they had the right to. They said they didn’t report me to ChexSystems, so I have no idea what I did that they didn’t like. I was told that I would be receiving the funds in my account in the mail in 10-14 days. They just sent me a statement for my accounts and they charged me a $30.99 research fee. I called and asked and was told that Bank of America has the right to charge me a research fee when they close my accounts. I am blown away by this. They won’t tell me what the research fee was for or why they deemed it necessary. For all I know, someone could have been playing around and decided to mess with me. I am really angry. I feel powerless and I feel like they stole from me. If anyone has any ideas, please help.

I consolidate my student loans in November 2007. I picked BOA because it offered the lowest monthly fixed payment. After 18 months of timely payments, I received a notice that BOA was increasing payments by approx $50.00 over remaining term of loan or $17,000.00 add on. I was told the bank made a calculation error which they just realized and that they were helping me. They are reporting my payments (which reflect the coupon amount) late, the loan in arrears, and subject to default.

They put both payments on one month cycle so I was set up for a late fee and increase in interest fee from 6.99% to 25.08%. How outrageous is that? The due date and closing statement date changes per whim to set the consumer up for failure and consequences. When I called to ask why, they lowered my credit limit. The next day, they lowered the limit on a second credit card. I am furious and my blood pressure is out the roof.

I have 2 individual homes primary/rental, with 2 mortgages through BoA (Countrywide), 2 checking accounts, 2 savings accounts with a consistent "direct" monthly deposit of over $8000. One monthly check totaling to $1,100 was not deposited on time, forcing my balance (at a maximum debit) to -$530. Over a two week period, I did not monitor my account activity due to business travel and when I checked my balance on return, I noticed the -$530 debit condition. During the two week period, BoA charged me $35 for every transaction that was processed, which counted 40 individual fees and totaling $1,400. They did not stop at one, two or three fees then stop payment, they simply assessed a charge for every transaction, even charges of $5 or less were assessed the $35 fee. This is highly unethical business practice and I spent 2 hours at the bank and on the phone, only to have BoA reverse $150 in fees.

I am a woman-owned small business and had a deposit hit along with eight debts. B of A decided to process the deposit last, then the debts, from largest to smallest, causing seven overdraft fees to the tune of $35 each (three debts were only for $1.25 parking fees). I've complained to them every time this happens, and their claim is that it's their policy to process deposits lasts then largest debt to smallest. They also fail to show you online what drafts they have approved, but are not yet showing in the pending category so you think you have a positive balance when you really wouldn't, had those drafts show in the pending transactions. I'm doing my best in jump-starting the economy by starting a small business and employing two people now. Banks just make me want to go back to the coffee can under the bed way of managing money. It was easier and way less scammy. I'd switch banks but they're all like this. It's just not fair. They get us coming and going.

In two years with BOA, I have paid $5000 in bank fees for showing an available balance one day and then they approved credit card charges that put my account in the negative when I have been told I have a positive balance. Fraudulent charges allowed to go through after I reported it to them, refusal to close my account and incurring further charges. One month I have tried to close this account and I am still unable to do so unless I pay $500 to cover fraudulent checks and fees associated with those checks. I have been late on valid bills and paid fees of over $900, paid $5000 in bank fees and if I am unable to close and end this relationship, they will report to all three credit reporting agencies.

I have received at least four phone calls per day from BoA, however, I did not answer them. They never left a message. Finally, I was so tired of these calls I answered. I was told by the salesperson that I should sign up for their credit monitoring program, which I politely declined. He then got very aggressive and said that it was in my best interest to sign up. Again, I declined. He got even more aggressive, hinting that by not signing up I was setting myself up for a very real risk. I am very aggravated that I should need to screen these calls and that they are using scare tactics to try to make a sale.

After the Memorial Day weekend, I was charged in one day 4 overdraft fees, amounting to $140. My account had money in it to cover what they claimed I over drafted. They have a twisted system. I check my online statement daily. I called to try to fix the situation and at least get an understanding as to why I was charged 4 times in one day, instead of being charged once for over drafting my account that day. Things didn't add up with their online statement.

B of A (Bank of America) utilizes data gathering techniques beyond information provided on checking, savings and CD accounts to develop security clearance questions. For a bank to use covert data gathering information, which goes beyond information provided in the course of doing business, is appalling and truly an invasion of privacy.

On May 21, 2009, I had in excess of $1000 available in my account and I made a purchase for $6.61. On May 23, 2009, while still having available funds in my account, I made a purchase of $4.92. The same holds true for the purchase of $5.10 which was made on May 25th and the $3.00 check that posted on May 26th. All in all, before the $30 check cleared, I had $25.98 available in my account. All the transactions above totaled just short of $20. However all the above charges were assessed a $35 (each) overdraft fee because all these transactions (which were showing pending in my account prior to the 26th of May) were cleared after a $30 check on the 26th of May, when in fact all these transactions clearly happened before the check was even cleared.

I am closing my account with Bank of America (BOA) due to its utter incompetence in providing customer service and complete disregard for requests from a client in need of assistance from abroad. I was consistently misled by employees who made no effort to represent BOA positively or provide the service that BOA should expect from its staff. Please note that I have sent copies of this letter to BOA management and over 50 friends who have promised to forward it to an additional 20 people each, many current customers, because they have witnessed or heard about my situation and are appalled. I have posted this on several websites regarding BOA’s service.

In the last three months, Bank of America has charged more than 10 overdraft fees ($35 each) to my account, and in the last six months, probably close to 20 charges in total. On three different occasions, I spoke with someone in customer service to join the "Keep the Change" program, which adds change to your savings account and can help prevent overdrafts. Each time I call, they tell me that I haven't signed up for the program and that I've been overdrafted. I believe that they have purposely not enrolled me in the program to benefit themselves. There have also been a few times that they have charged my larger debits first (although the charges were made much later), which resulted in my account being overdrawn. Most of the charges were very small charges. Currently, I have 7 charges between $0.60 and $20 that have made me go under, and they've charged me a fortune!

Since my last complaint against Bank of America, the following has happened. On Tuesday, May 12, 2009 at 11:45 AM, we put the homeowners insurance payment of $413.00 on our Visa card (payment was made to AAA Insurance company) so that there would be no lapse of our policy. While we were on the phone with Phil, he informed us that he had received an email from Crystal at BofA and that she had put a check in the overnight mail for our insurance (this was after our Visa payment had already cleared). So I logged on to the Bank of America website and saw that BofA had taken the money out of our escrow account twice to pay our homeowners insurance.

Due to fraud on my account, not on my part, they closed 3 accounts which I have had for 13 years and reported me to Chex systems. They refuse to remove me from Chex systems and claim they can't which is a lie I have found out. They have all the power to remove it. I cannot open a bank account and it has been detrimental to my finances and daily life.

For the past 4-5 years, I have had 2 credit lines with Bank of America. I have also had a car loan in the past 6 years with Bank of America. At one point in time, I owed Bank of America in excess of $30,000. During the past 2 years, I have paid all 3 balances in full and for the past year, carried a $0 balance with Bank of America. In the past 2 weeks, I have received a notice reducing my credit limit in half and another letter informing me they are closing my account for inactivity. I appreciate that BOA needs to reduce the credit limits they over extended to their "risky" customers. However, they are further complicating the issues by reporting erroneous information to our credit bureaus.

A levy was imposed upon my checking and savings account on May 13, 2009. It was removed within 24 hours once I resolved the issue with the IRS. In that space of time, Bank of America imposed a $100 legal order fee against my empty account.

We booked 2 flights through this program and the travel agent booked us on 2 separate flights a week apart. Somehow they think that this is our fault and will not pay for the damage. I will continue to call WorldPoints until this is rectified. Consequences: $350 for a new ticket the night before.

I noticed that I didn't have but $7 in my savings account and I had deposited $2,520 for bills and mortgages debited out. I also noticed that I was $97 overdrawn, and I hadn't even used my checking. I called the automated service and there was no record of a deposit. I called the assistant operator, who told me that I had 2 savings accounts and that the money was in the new account that I had opened on the 14th of April '09.

I called BOA to request a balance transfer and spoke to Diane. We went through the process of the balance transfer. But at the end of the process, she began asking me questions such as "What is your current salary?", "How long have you been at your job?", "How much liquid assets do you currently have?" and "How much is in your 401k?" At first, I answered her questions, thinking nothing of it. I have credit over 800 and have never paid anything late (in my life!), never paid below the minimum, and never come close to my credit limit. She then informed me that I had 2 credit cards with BOA and 1 credit card with MBNA. She told me that MBNA was acquired by BOA, so they now hold that credit too. And because of that and based on the personal information I just (stupidly) answered to her, BOA was extending too much credit to me.

I got a call asking for someone named Paul. I told him there is no Paul here and I have had this number for two years. He told me he has been dealing with Paul at this number. Then, in a rude tone, he proceeded to tell me that I must be Paul's ex-wife. I told him he is an idiot so he hung up.

Bank of America was issued bail out money. We applied for a loan with low debt ratio and a credit score of over 800. We were approved yet it has been three weeks and they still have not released the funds. They keep telling us that they are going to put the money in our account and yet they still have not. Why did we give them bail out money when they will not give the funds out to those they have qualified?

In about mid-March to April, I withdrew the balance in my BofA savings account and transferred deposit into a new Wells Fargo account through bill-pay. After doing so, I noticed that BofA had changed my savings account to a checking account (I don't know why). A hold was placed on my check and a few days later, I looked online to see the status and no record was shown of the transaction. I even checked my Wells Fargo account and no record ever showed that they even received my check. I have contacted BofA several times and they keep telling me the same thing. Basically, there's no record for that amount in my checking account or anything related to the said transaction. I keep telling them that my account was a savings account and they keep giving me excuses of why they are not able to get any record of what used to be my savings account. The worst thing about this is that I have no proof of anything. I know a co-worker that had a similar situation and she ended up losing that money.

As of December, my hours were cut at my employment thereby reducing my paycheck. I have been reducing my expenses, but it seems that I am now on a treadmill of overdraft fees with BofA. I have a checking account with BofA. On 5/4, I had $1090.69 in my account. I purchased coffee from Starbucks on 4/30 and made a purchase at Noah's Bagels on 5/1, but they didn't take the money out of my account till 5/4. My rent check hit my account causing my account to overdraw and this greedy bank decided to then let those two transactions hit my account, thereby giving them an opportunity to charge me two more overdraft fees of $35 each. I am overdrawn $253.68 when I should be only charged one overdraft fee. BofA continues to delay charges so they can hit me with overdraft fees.

Three hundred dollars were deposited by my mother to my Bank of America Visa card ** on 4/30/2009. This was incorrectly deposited to a different account associated with Bank of America charge/debit account **. I was informed the money was in and used the first card and even though no money was in the account. Bank of America authorized debits and then charged over-draft fees. I informed Bank of America and the two charges were reversed. I transferred 300 dollars into the second account while charges were pending. I was told I would not probably incur fees, but I was charged 8 fees of $35 totaling $280. I was referred to 6 different people and finally told it was "decisioned" and nothing further could be done.

Bank of America has been calling me almost everyday to let me know about lower interest rates, to check on my card and if I'm happy with their service. The problem? I don't have a Bank of America credit card and I have asked about 20 times to be removed from their calling list. Aren't they supposed to remove you when asked? Why are they posing as my credit card carrier when they're not? They are breaking the law and violating my home each time they call.

I have been a Bank of America customer for almost (7) seven years now. I currently have the following accounts w/ them: a second mortgage, a Home Equity Line of Credit (HELOC), two (2) credit cards (which until recently was 3), a personal checking account, a business checking account, and a brokerage account. My nightmare with this company began a little over a year ago, right about the time the mortgage industry started finally realizing that they were in trouble.

Re: The closing of account # ** and complaint due to lack of service - We have had an account with Bank of America since 1984. My account was once a Security Pacific Bank account. Today, we have had it with Bank of America and the sooner we can close our account with BofA the better! We want to tell you why we're closing our account after all these years. We are in the process of buying a home in Texas. The lender we are dealing with called us on my cell phone and asked for a copy of the canceled check that we had wrote the escrow company and a copy of our BofA checking statement from April 10th, 2009 to today's date. Apparently, the underwriter wanted these documents. We live in a remote rural area and we were not at home when we got this call. We did not have access to a computer or any online service. We only had access to a branch.

I have been receiving an annuity since 1982 from a personal injury lawsuit. I have since divorced and the annuity was divided in 1989. It is important to note that my husband was injured in an accident and I was several weeks pregnant at the time. However, the lawsuits included my damages and the damages suffered by our child. In 1998, I noticed that my ex was able to stop these annuity payments at will in spite of a court order forbidding either of us to interfere with the other's annuity. I called Bank of America and as so many of the other complaints I have read so far, no explanation was given to me. In 2003, the annuity was completely stopped with absolutely no explanation. I have always worked full time with one kid at home.

I received a new BOA Billing Rights Statement on 5/2/09, reading that as of June 1, 2009 all ATM advances, balance transfers, bank cash advances, cash equivalents, check cash advances, direct deposit, cash advances and wire transfer purchases will be assessed 4% of each transaction (What idiot thought this up?) with a minimum fee of $10. How ridiculous! To charge the people who are keeping them afloat is such a stupid scheme and to think they will get away with it. Not with me, they won't. I truly hope that this information gets to President Obama and to Secretary Gaitner quickly. Hopefully, someone in Washington with common sense will move to throw the bums out of BOA or let them drown in debt of their own making.

I had mailed my postdated rent check as I have done so for six years. The landlord deposited the check in their bank two days early and it was accepted. My bank took out funds and I had money transferred from savings and was hit with a fee. Both banks say it's not illegal to deposit postdated checks. When did this happen? Speaking by phone with bank employees was an exercise in futility. I did get fees deleted but am confused. The bank takes a check with any date now?

After many overdrafts charged against my account due to the bank not posting transactions in a consistent, timely manner, I decided to talk to the bank manager and she stated that there was nothing she could do. Business postings are sometimes delayed until the next business day. Finding this out, we pulled up my account while at the bank and we both went through the day to day transactions. The account stated we had a balance but it did not because the bank has not yet posted all the business for that day. What I did find was that Bank of America is quick to charge a $35 overdraft when in reality they caused the overdraft to happen. Fraud! I need help on this as I see many others who write to you have the same similar problems. This is ruining our credit and costing us money when it is totally out of my control. My next step after writing to you is the State Attorney General. This must stop!

My daughter has a student checking and savings accounts. Her current balance on checking is -$680. Her paycheck usually gets directly deposited, but her last paycheck (she is no longer employed) was mailed to her. Her account had a -$350 balance and she used her debit card at the bank's ATM and was able to withdraw money three separate times equaling $190. This all happened before she lost her job. The point is why was she able to withdraw more money in an already overdrawn account and a student account at that.

I have been a Bank of America customer since 1978. I have placed my trust and safekeeping of hundreds of thousands of dollars in their care. Here is the latest slap in the face. I had one personal Visa credit card zero balance, credit limit $24,000. One business, $16,000 credit limit, Visa balance $1,900 due to a recent car repair. I always paid on time minimum $100-$500 per month depending on expenditures. On my March statement, everything was fine. On the April statement, Bank of America demanded $450 cash payment and dropped the credit limit to $500. I have been on the phone with them now for 65 minutes and have learned that both credit cards have been cancelled and I am out, period.

Yesterday, my checking account was in the positive. All of my big charges for bill pay showed processed and there were no items pending. I transferred some of the money from checking into my Bank of America savings account. When I checked my account today, two of the bill pays that showed processed yesterday now show as posted. And now there are five lines of charges, all under $5 putting me in the negative. I called BOA to inquire about it and the rep was very rude. I asked for a supervisor and was told, "Well, processed doesn't mean that the charges had been processed yet." She said that the charges posted at midnight.

BofA customer service is among the worst I have ever encountered. Thankfully, we have parted ways, but I am compelled to provide visibility for the benefit of other victims. My credit union Visa is managed by BofA. I lost my wallet in mid-March and reported cards missing - it was found later and no card issues but never got a new Visa credit card from BofA, only a debit card from my CU. I checked the account right after losing the card and made an online payment of my balance via electronic draft. BofA late charged the account $30 on the same day I paid and posted my payment the following day - quick $30 profit for redecoration! Despite having no new card/account, BofA posted a recurring charge to my account, which should have been closed due to lost card.

I made a deposit by ATM on 4/27/09 and my account balance was $1,272 on the ATM receipt without the deposit applied. When I went to log in a couple of hours later, the account was locked out. I called the automated line and it said I was $887,615.99 negative. When we called them back, the representative that initially answered said they were having system errors and that a lot of people had been calling in regards to that, but he transferred us to someone in customer protection department. Upon speaking to her, she said they had decided to close our account and that they could not tell us why but that we would receive a letter in the mail in regards to the closing date.

On 4/20, I made a deposit of $300 cash into my checking and then immediately withdrew $280 and some of my bills were rejected by the ATM. So, I grabbed them out and tried to put them in the ATM to no avail. It didn't work. I then learned the next day that my account had been sent to Risk Management team at Bank of America and they were accusing me of tampering and ATM abuse. Therefore, they were closing my account immediately. I am a developmentally disabled individual and can understand some stuff but some situations make it hard for me to understand. I then called the Risk Management center for Bank of America, only to be rude and disrespected and discriminated against.

I hate this bank! I had been with BOA for years without a problem. For Thanksgiving 2008, I went and deposited my check on a Wednesday. When I got there, they said that my workplace put a hold on my check and it wouldn't go through until the following Monday. I thought that was weird, but I just went along with it. On Monday, I got to work and I asked my manager about the hold. She said that there was no hold put on the paychecks. The bank lied! They actually put a hold on it, not my company. Anyway, before Christmas, I deposited my check on a Tuesday (none of these days were holidays or even close) and once again, they told me they would have to put a hold on the check until Monday! I told them that I was switching banks that day. The worst part is no one at the bank could tell me why there was a hold on my check!

We applied for a debt consolidation loan. We were first quoted that it would be at 8.99%. We got the bill and it is at 18.99%. We called about it and they said we would have to first make two months payments and then to call back and it would go down. We made those payments and we're going on four months. We just called today, 4/24/09, and another person says that we have to wait 6-9 months before it will go down!

I have checking and saving account with Bank of America. The savings account is used to provide overdraft protection for my checking account in case I am short a few dollars. After checking my account balance this morning (4/24/2009), I noticed two charges by Bank of America: $10 fee for transferring money from my savings to my checking, and another $35 for insufficient fee to my checking account. If the bank had not charged me for the transfer of money from savings to my checking, I would have enough to cover the next charge of $27. This is not the first time Bank of America is charging my account for these fees. I've been banking with Bank of America since 1986 and every time this happened, I would call and go through a number of people and by end of the day, they would state this is their policy.

On 04/09/09, we discovered that one of our bank accounts was reading -$693.00 and was labeled correction. I placed immediately a call to BofA, questioning what this was for. I was told by a customer service representative that she could not see what the correction was for and that an investigation would have to be done. She advised that it would take 7-10 business days. I told her that this was far too long, so she said she would put a priority on it, and we would be advised within 24-48 hours. That period came and went, so I called the bank again, only to be told the same thing.

I went to the doctor on Monday afternoon. When I checked my account, I had over $110 in it. My co-pay is $20 so I used my debit card. I then went to the pharmacy and spent $55 and then an additional $25. I should have had plenty of money in my account to cover all of this, but my doctor's office (according to BOA) put a hold on $85, which then made the two debits I made at Walmart overdraft my account. The man that I talked to at Bank of America told me that there was no way I could have known about it. Now they are hitting me with two $35 overdraft fees, a total of $70. My husband is waiting for a liver transplant and is not able to work. I am the only one who is working, and I don't make much. So it just hurts that they are taking this much money, in essence stealing from my family.

I have been a customer of Wachovia for over 3 years. My company, my wife and I all have accounts there. I make deposits at the branch at Weslayan and Bissonnet frequently and they know me very well. Today, I offered a check for deposit at this branch. The maker of the check made it out to Bob Connor and Associates instead of R.J. Connor, Inc. They refused it. I went to another location of Wachovia Bank and they gladly accepted it. I think that this employee was being too strict.

On Tuesday, April 21, 2009, I opened my e-mail as usual. I notice I had an alert from BOA, insufficient funds. I went to my account and everything looked good, no overdraft, the insufficient funds were in a pending status to be posted at midnight. I have 2 checking. The pending payments were in one account and my funds were in the other account so I transferred the money and everything was okay so I thought. On Wednesday 22nd, when I looked at my account, the funds I transferred to pay my bills were short, BOA took $35 x 3=$105.00 in overdraft fees. I went to the bank and explained I had the funds in another account. Furthermore, the transactions were not cleared yet - how could you charge overdraft when the account was not, it was pending but the merchants were not paid yet. I did transfer the funds before it cleared the bank. They refused to refund my money.

I made an $86.00 mistake (one payment that was overlooked) that would have resulted in 6 Non-Sufficient Funds (NSF) fees on my account. However, Wachovia saw fit to determine that the largest debit was the most important one and structured the debit postings so as to charge my account 13 NSF fees. They refunded only 15% of the fees and told me that the new overdrawn balance included 6 more items awaiting posting against my account, and that a pending Automated Clearing House (ACH) deposit would prevent any further NSF fees associated with those 6 items from posting to my account. But they charged me the 6 new NSF fees after the deposit posted anyway!

I was a target for fraud on my Bank of America account twice. I filed a complaint, Bank of America agreed, and said they would refund the loss from the fraud of a credit protection company I did not sign up for. But two days later, they closed all my accounts and are now holding up my funds and will not assist me. There was no warning, no "Come get your money, we don't want your business." It is not my fault that someone robbed me. I need a bank account and my money. I work paycheck to paycheck and need to pay bills and buy food.

Please be careful with Wachovia. They are absolutely terrible. On April 20, 2009, we received a letter from Wachovia that they had taken out a temporary binder for homeowner's insurance and we would be charged 3 times what our homeowner's insurance is (which was paid and receipt in hand). They also stated in this letter and in their customer service answering machine that you will be billed for any time lapsed for this insurance. I immediately called Wachovia at the insurance department (1-800-445-1466). They did not care.

I have a HELOC with Wachovia and a first mortgage with another bank. I'm trying to refinance my first mortgage with the other bank and they have approved me with a 1% reduction in loan interest rate. However, in order to complete the refinance, Wachovia has to allow it, but Wachovia will not allow the refinancing. The debt to Wachovia remains the same. I'm not taking any cash out, and the overall risk reduces because my mortgage payment decreases, but Wachovia does not want to help. They even took $100 to review my application prior to telling me they couldn't approve the refinance, because it's not their policy!

I ordered a product online, a free two week trial, and didn't receive it until the day before the trial was up. I then cancelled the membership that day. Several days later, I was charged $90 on my debit card. When I called Wachovia, I was told to cancel the debit card. They sent the paperwork to me, which I filled out and faxed back immediately. Wachovia did not send out my new debit card for two weeks. During this time, my card was charged by this company and Wachovia refuses to reimburse me. Now two months later, I found that I am being charged a monthly debit from this same company (under a different name) and they are using my old debit card number, which Wachovia is allowing them to do!

On April 15th, I took my son to the airport to fly home to Miami. US Airways charged a $15 baggage fee, which I paid for with my BOA check card. I then stopped by Wawa on my way to work from the airport and spent $5.28. When I got to work and checked my checking account (the 15th was also my payday), I saw that the $15.00 transaction and the $5.28 transaction were already in a posted status. I have three checks that I wrote on April 13th to pay for magazine subscriptions. When I checked my checking account this morning (April 20th) to see if any of them had come in, I saw that one of them had, but instead of my balance being $52.65, which is what it was when I balanced my checking account, it is $37.65! I checked the transactions because I hadn't made any over the weekend and saw the $15 that US Airways charged me on the 15th had been moved from being posted on 4/15/09 and re-posted on 4/17/09! This means BOA charged me twice for the one $15 transaction - once on the 15th and again on the 17th!

BOA is at it again. Their NSF system is devious and particularly meant to confuse consumers. First of all, they processed a postdated check a day early and charged me NSF fees. When I asked about this, they explained that the electronic system had no way to check for a postdated check. Marcela, the supervisor (she sounded more like a lawyer), mentioned that the date is a customer practice and the bank never approved of it. This, to me, shows how disconnected banks are with customers. I was told the date was for reference only. Most of all, I was particularly irked by the supervisor Marcela's arrogance.

After receiving my April statement, I discovered the Bank of America had charged me a $15 late fee and $1.50 finance charge on a balance of $55.94. I called and spoke to a rep about the late fee which showed a deposited date of 3/12, the payment due on 3/11. I found this amazing that it would take a letter mailed from Pennsylvania to Delaware 8 days to arrive when both states border each other. I questioned the rep about the posting date and requested to see the postmark of my billing payment. Instead, she referred me to write to some PO Box address to request the information. This has happened in the past a few times also. The rep said they would reverse the late fee but when I then received the billing as in the past, the late fee was never removed. I even received a letter from Bank of America rep lecturing me about how the post office works 24/7 and suggested that I talked to the post office.

A company auto-drafted my checking account in error. Bank of America had pending check card transactions that were pending for 4 days prior to the auto-draft. Of course, Bank of America runs the auto-draft ahead of the 4-day old transactions in order to accumulate 11 overdraft fees, giving me the insulting answer of how they want to run the large transactions first because they would probably be the high priority items. The company who auto-drafted in error told me it would take at least 5 business days for the credit to reflect in my account. If Bank of America would have simply put the transactions through according to when they occurred, I would not have received all the overdraft fees. But I guess accumulating fees is Bank of America's goal.

Since the beginning of this year, I have been calling my mortgage company (i.e. Wachovia) for a loan modification. The Customer service department first told me that Wachovia does not process loan modification but can process a refinance loan, which was not what I asked for. I have called all the 1-800 numbers I was given by different departments within the Loan departments but no one wants to help me. I am also aware that the government has given Wachovia and other lending companies bail out money to help people reduce their interest rate, but even at this moment Wachovia is not willing to help me and I have been a loyal customer since I purchased my home in 2003. If someone or anyone is out there, please I need help. I cannot afford to pay my next mortgage since the rates are too high and I also had a family medical emergency and as a result of this, I am unable to afford my upcoming bill for the first time since I purchased the loan in 2003.

For the last few months, I have been hit with some type of overdraft charge. I'm a single parent with one income. They hold pending transaction for three days. Then to top it off, even if you have the money in your account to pay incoming transactions, they still overdraw your account. Another problem I'm having with them is that every month they give some crazy reason why my account overcharged at some point. It is like they are robbing the everyday working people to pay their stimulus package back. The customer service rep never gives you the same story. You ask to speak to a supervisor, they give you some smart remark like, "You cannot balance your own account." I had the customer service rep Sleina, who is a supervisor, tell me that, "You are not telling me you keep a check register on your account because your balance should reflect that in your statement." I really believe if you have money in other accounts, they watch that and try to find a way to get you some form of a fee.

On April 14th, I used my debit card at various vendors. At the end of the day, I checked my account and had a positive balance. On April 15th, I made a deposit to my account to way more than cover my transactions from the previous day. I logged into my account today and noticed that I had $105 of NSF fees. I called the bank and they explained to me that the transactions made on the 14th put my account in negative standing, although most of the transactions had not been withdrawn from my account and were pending.

Bank of America decreased my credit limit without notice from $13.5K to $500. I have not missed a payment and had actually paid off the balance. Beware everyone.

I made an error in my register and had two debit card purchases that overdrafted my account. I had no problem with that it was my own fault. I got charged three $35 overdraft fees however. I had made an online purchase of $25+ and I had a $35 balance. My husband spent $11+ on the same day. Okay, now here is where it gets confusing. The $11 was held as an authorization but did not clear my account for 5 days. The following day, I purchased $15 for gas. Of course due to my error, I thought I still had a few dollars.

I asked to have my federal income tax refund check cashed. The teller told me she could not give me cash, that it had to be deposited because it was a refund check. She also would not deposit it into my personal account because my husband's name was on it, telling me that he had to be present in order to have it deposited into an account without his name. The reason given for this was because Arizona is a community property state. I then went next door to Wells Fargo, whose teller promptly cashed my check with no questions asked. My main concern is not being given my money in cash on request.

I had gotten payday loans from three different companies, but Payday Loan Yes put a transaction in before the due date. After this, I incurred NSF charges. After I saw this transaction and some other ones that were made on my statement, I contacted them. When the loan companies put the money in the bank, instead of them entering in my checking account, they put a hold on this and charged me for a transaction, $35 NSF charge for a $30 transaction that could have been paid that same day.

On Friday, 4/10/09, I deposited a check from Principal Financial Group for the sum of $8,624.53. When I deposited the check, I received a receipt that stated the deposit effective date was 4/10/09. Over the weekend, I wrote several checks and set up other withdraws from my account knowing I had just deposited the check. On Tuesday morning, I found out the check I deposited on 4/10 would not be available for me to draw from until 4/21/09. I found this out when I went to the ATM to withdraw $20.00. I was unable to as my account was overdrawn by over $700.00. This includes a $245.00 unavailable funds fee placed on my account by Wachovia.

I became behind one payment. I began getting harassing, demeaning collection calls to my cell phone. I said I would pay but not over the phone. I asked for written communication only. Access to my online account was denied. They sent me repossession notice. I immediately paid per phone consecutively for three months with arrangements to pay off the amount in arrears as soon as I received my income tax refund. I contacted the BBB about harassment and threats. Last payment dated direct from my checking account 3/3/09. Payment is scheduled for the 15th of each month. I received notice of proof of insurance needed by cell phone calls and mail during March. My insurance company of 15+ years faxed then after another phone call. I gave the rep my insurance agent's direct phone number.

I opened a checking account with Wachovia in summer 2003. In 2007, it went into overdraft for which I had a payment plan for, for a total of $240 (they charged me $35 each for two $1 charges among other items). I wasn't working and couldn't make the payments on time but did try to let them be aware so they did not think I was just not trying to pay it off. The account went to collections, but not before they started reporting it to check recovery systems.

My daughter is a student at Berklee College of Music. She accidentally "overdrew" (by $50) her account before going on spring break (out of state). When she finally found out, BoA had charged her over $2,000 in overdraft fees, froze her savings account, applied her 2 deposits (work checks) towards the overdraft and threatened to "hold hostage" her $1,500 in her savings till the account was settled. I'm not sure how many checks she wrote that "bounced" costing her more fees. She is a student living from pay check to pay check. She goes to school full time and works full time to make ends meet. She had money in her savings but did not have over draft protection. So instead of "freezing" the $50 overdraft, they continually charged her about $50/day till she settled the account. Consequences are, after a lot of tears, BoA "settled" for $650 in fees. $650 to a student in college is devastating and is equivalent to a month's salary. This is just wrong!

I overdrew my checking account by $7 and I have no problem paying the $22 fee for my mistake. However, it appears that Wachovia has recently started doing some very unethical, and possibly illegal, bookkeeping. I had a $36 balance with no holds. I made a check card purchase of $34 at 7-11, then a pre-authorized online bill payment of $12 posted. They claim that both items bounced, which is impossible. If there is $36 and items of $34 and $12 are presented, then one should have been paid and one would have bounced. The mysterious thing is that after all transactions have been paid, I was charged one NSF fee on the $7 account deficit, and the $22 NSF fee which left me with a balance of negative $29, which was fine with me. However, a full day later, without any transactions having taken place, they re-ordered the transactions and added another $35 NSF, and claimed that both transactions bounced.

We opened an account with BofA in Pasadena for our son who has enrolled in the Art Center there. The reason we did this is that BofA has been our bank in Arizona (and still is). At the time we opened the account, we requested that there should be overdraft protection on the account. We were assured there would be. Then one day we found out that this promise was never kept. There was no OD protection set up and we were charged $100.00 for overdrafts. We spoke with ** who apologized and was very helpful in refunding this amount and promised that the OD protection would be set up within 2 days. Sadly only three days later, we found out that this was also not true.

I was the custodian for my daughter's UTMA account at World Savings. When it became Wachovia, I continued to bank with them. We selected the term of the CD so it would mature 5 days before her 18th birthday. The original documents stated that the funds would be delivered to her on her 18th birthday. Nine days after her 18th birthday, we went to the bank to withdraw the funds. We were told that they don't mail checks and the funds were put in a CD with a .08% interest rate for 15 months and that we would be charged $73 to take the money out. I asked them how they came up with $73 fees and was told, "That's just how much it is."

Bank of America kept charging me NSF fees when I used my debit card and the funds were insufficient. I asked them why they did that and I was told it was done as a courtesy to me, so I wouldn't be left stranded. Stranded? In a restaurant? That wasn't the only debit of course; there were many more. They didn't pay the big prearranged debits, just the $2 to $10 ones. I'm trying to live on $737 a month Social Security and they've taken it all but $20.67 so that I have nothing to pay for my utilities, gasoline or groceries until payday a month from now. Isn't this crooked? Can nothing be done?

I was charged $70 in overdraft fees for 2 charges - $11 at Barnes & Noble & $15 for gas. At the time I made these charges, my account balance was positive $50. Suddenly, 2 days later, I see my account has been charged 2 overdraft fees of $35 ea. I called to inquire about this as it must clearly be a mistake and was rudely told it was not a bank error and that there was nothing they could do about it. I asked if they would allow a courtesy refund for the charges as I had never requested this before, but I was told that because my account had been charged overdraft fees before that my account did not qualify.

Our house burned downed a year ago and Wachovia is our loan holder. We have had nothing but trouble with this company getting our drafts sent to us and having the runaround in the Customer Service dept. They promised us a draft and, 3 weeks later, it has not arrived and then we were told it would be overnighted to us. Guess what? It is not here. This has been going on for quite a while.

I have blogged my whole experience in detail. Below is the beginning of the problems and has escalated to a total of $1,680 in fees in 3 months. Wachovia did refund me $400, but has left me to deal with the remaining $1,280. Wachovia has put a 5-day hold on my paycheck. I do not have direct deposit as my employer does not offer it. Due to this, my account has been in disarray and I have been feeling guilty and worse, out of control in my cash flow. I have a budget; I have a mortgage payment that is automatically deducted every other week; I pay my rent in NYC (on top of my mortgage); and my expenses are low. I have finally figured out the cause of my issues with my cash flow.

Bank of America has a policy of placing a hold against your checking account for the amount charged when you use your check card. This means that your available funds are decreased by that amount, even though the actual payment or collection of funds has not yet been completed. Subsequently, the charged are listed as pending until such a time that the vendor completes collection of said funds, at which time the the bank posts it to your account paid. If at the time of posting your account does not have enough funds to cover payment, then the account holder is charged a $35 overdraft fee per transaction that posted that day.

I had a balance of approx $17 in my account when I made a deposit of $464 in cash. The available balance on the online bank shows my deposit. I had a debit of $9 and $6 outstanding (which also showed on my online banking statement as posting). I paid my cable bill online and was charged $70 in NSF fees for the $9 and $6 even though I had the funds in my account and showing as available. When I called the customer no-service number, they simply explained that this was the way they do business. Stay away. This bank is in financial trouble and they are raping their customers trying to recoup funds.

I opened a business checking account about 14 months ago. At the time, I was told that it is a free checking account. I used the checking account a few times for payment to sellers I bought goods from for my business. After a while, I did not need to use Wachovia account but I left about $130 in the account. For a while, I even forgot about my checking account. Recently, I received a notice from the bank that stated the balance was negative and I was required to make an immediate payment of $14.23; otherwise it would be reported to my credit history. I found out the reason that my account balance went from $130 to negative $14.23 was the monthly $15 charge started 4-5 months after I opened the account that supposed to be free. I requested a refund but it was refused by manager Melody ** at the branch.

They sent me checks for 3.99% interest if I transferred a higher balance credit card balance to them. I did so. When I got my statement, they had charged me $39 late fee, $39 over the limit fee. The interest rate was APR of 46.42%. They also charged me $186.38 for credit protection plus. They said I owed a balance of $10.40 since 2007. I had not received any kind of statement for this. I paid it off in 2007 according to the statement they sent me. The transaction for the transfer was posted on 3/4/2009. This was my first statement since the transaction. With all the late fees and the rate of interest and the huge amt. of credit protection that I did not ask for, it ran the total transaction to over the limit. I called and they refused to do anything about it. I told them I was retired and trying to live on SS. I had also treated my dog for cancer for several months and it ran my credit card up tremendously. I feel as if they are taking unfair advantage of me. I have thought about consulting a lawyer if they do not want to reimburse me for all these extra charges. Any advice you can give me will be a great help. Thank you.

On 3/30/09, I went to my bank with a cashier's check of $15259.66 to put in the bank and before I put it in, I asked if I would be able to get a portion of it the next day. I was told $5000 of it would be available after midnight and I said fine. So after midnight, I did some transactions. When I checked the account, I was minus over $600. I called the bank and was told it would be fixed the next day. I waited and it was not fixed. I again called and was told again it would be fixed and I waited and again I was minus even more on 4/1/09. I then called the next morning and a rude supervisor told me there was nothing he could do and I had to go to the bank I made the deposit at. This was where I was told it would be in my account after 12 am; it was not there. At 6 am on 4/3/09, some of the pending checks were paid but they made my deposit negative again. What do I need to do to get my money today and put it in another bank now?

I went to the bank to make a withdrawal, assuming that a check in my account had cleared. When I gave the teller (Debra **) my withdrawal slip, she was immediately rude. After checking my account, she told me that the check had not cleared. She then proceeded to question me about who gave me the check and asked me why it was given to me even though I felt it was none of her business. I said it was a personal check given to me by a friend. She replied with, "Are you sure it isn't a fraudulent check?" She then continued to tell me that BOA was holding the check for another week because they felt it was fraudulent. When I asked to speak to a manager because of these comments, she told me she was the manager.

I started as a client of MBNA, which was recently absorbed into Bank of America in and around 1995. I recently opened my statements and saw that the interest rate is 19.98%. Being that I have some other credit cards with much lower interest rates, I decided to call and see I could get it lowered. As someone who works in the insurance and financial service field, I have a pretty good understanding of personal finance and this is a very common practice. The first representative informed me that although she could not make that decision, based on my payment history (never having paid late and the length of time as a cardholder), there shouldn't be a problem. The next individual I spoke with did not see that same information. They looked at my total revolving credit amounts and stated that they felt it was too high and could not reduce the interest rate.

I sent a check payment for my roommate to avoid any penalties in his behalf in the amount of $8,400.00, and BOA only credited his account for $84.00. After he called them, he was assured that they would waive the penalty fee if he paid the difference. At that time, I wrote him a check for the difference of $8,316, which he deposited in his account and mailed a check to them. When my roommate received his new billing statement a couple of days ago, he noticed that he had a very large credit and called them right away. It appears that they re-applied my original check of $8,400 (they had already credited his acct. for the original error (BOA's) of $84.00) and then processed my roommate's check for approx. $7,200.

First, I found that Boa was charging my customers a fee for cashing my business checks... I think it was around $5.00. So I canceled my account with them and opened an account with a bank that does not do that. Next, I received two letters saying I could write checks on my accounts (which I have never used) for 0% interest for a year. I decided to take the money as an interest free loan. When I called them to set up a wire transfer to my bank... was I surprised. Not only did they refuse to transfer the funds, but they canceled one of the accounts. I then told the person I was talking to that she could cancel the second account. She said, "Alright, but I am also going to reduce the limit on your third BOA Card."

My husband and I have had checking, savings, mortgage, auto loans and credit card accounts with the Bank of America for over 20 years in good standing. We are current on all of our accounts and have had an excellent payment history. We pay all of our bills through their bill pay service and have not had an incident until January. Then all hit the fan. We had established automatic re-occurring payments for the credit cards, mortgage and basically anything that we paid on a monthly basis. For some reason, they canceled payments to Harley Davidson and a Chase Credit Card, and one of their own credit cards that resulted in late fees and a sharp increase in interest charges.

My first mistake was to call Bank of America instead of writing. Anyway, I called many times and spoke with 3 account supervisors. They raised my rate on the $7,500 balance to 30.99 percent interest. My minimum payment shot to $272 - over $179 every month was interest only. I have good credit and I pay everything and never defaulted. Then the bank admitted they illegally implied the default rate to my account. So they claimed to have lowered the interest rate to 15.99. But I find that the cash advance rate on $1,600 is at 27.99. This money is called a cash advance because of the overdraft protection money is considered cash.

I have bill pay set up on my account. First off, in December (over the holidays) they paid all of my bills a day early causing overdraft. Of course, more fees to them. Then following the holiday, BOA made a note at the bottom of the bill pay that they would pay early if holiday and/or weekend. Now my payments are pretty regular and come out every other Thursday (payday) as directed. This week, 03/26/2009, however, there were 4 payments that posted the day before they were supposed too causing yet again $140.00 in overdraft fees and a spiraling downward. I called the bank and was told that I should have the money in the account 5 days before this date that I asked for the payments to be made.

My wife Lynda authorized me to apply for an offer sent to her by Bank of America in February 2008. We believed the loan had a 1.99% interest rate for a term of one year. The bank now claims it did not but the 13.99% rate applied for the entire year. Evidently we took $36050. I drive a truck and never saw the monthly statements and was unaware of the rate being charged. I didn't find what we were being charged until a year had passed and I called to see if the rate could be lowered. I made a complaint and the bank replied with a letter, I feel, id full of inaccuracies and relies upon the bank's own internal records. No written records of the transaction exist.

I have a savings with BOA. It's a rainy day fund that I use to transfer money into my credit union checking account. By payroll deduction, I transfer $1,600 per month into this account. Two weeks ago, I withdrew $100.00 from a non-BOA ATM machine. I rarely do this but I was shopping and realized I had left my credit card at home. I was looking at my account today and see that the bank where I withdrew the money charged me $2.00 for the transaction, but BOA charged me $2.00 for using a non-BOA ATM.

Bank of America, in association with Yoursavings.com (a company with no name, no address, and with unhelpful phone number 877-820-7107) have conspired to charge their customers $1.00 each month for unclear and unauthorized service. When I called to complain to the complaint department of Bank of America, an independent organization said that Yoursavings.com is associated with Bank of America, although the latter denies it. There was no way to contact the fraud company Yoursavings.com. Bank of America refused to refund any money withdrawn without authorization prior to 90 days.

Bank of America has not issued a discharge summary for a loan from 2003 to the county clerk's office. I have been trying to get a discharge document for 2 months. We cannot get a home equity credit for an addition to our home until a discharge summary is made.

On or about January 30th, 2009, I went to my bank to put a stop payment on a check and also put a freeze on my account. I also asked that the account be close. I opened up a new checking account. It's been almost 2 months and Bank of America is still allowing activity on that old account. I have told Tyra ** that I wanted the account closed. It's becoming frustrating. I had to start using another bank. I ended up opening an account with a new bank. I feel that I was misled by Bank of America. On a few occasions, I was charged overdraft fees on an account that was supposed to be close. I was reimbursed my money, but was very frustrated with the whole ordeal.

I have a Gold Option Loan through Bank of America. I am always on time with my payments and still have over $6,000 worth of available loan money to use. Since I am currently looking for work, my family and I only use this money for emergencies. However, after contacting Bank of America, they have now informed me that I am not eligible at this time to take out any more of the money that I am entitled to for a loan that I have already been approved of.

On 3/13/09, I verbally accepted an offer of $15k at 14.99% for 60 months, at $378 per month, from Bank of America. This was a Gold Option Loan account offer. After agreeing to this and what was to be paid, on Friday, 3/20/09, I happened to look up my account online. To my surprise, I had a balance of $11k on my new account. Three credit cards were paid with the remaining balance deposited in my checking account. I was confused as to why I was told $15k but got $11k. So I called BOA and talked to Erin. She was also surprised that Robert had changed the terms of the agreement and lowered the amount by $4k. I told Erin I didn't agree to this change and didn't accept this offer of $11k. I didn't even know until Erin told me that the new monthly payment was $351.

After having an account with Bank of America (BOA) for some years, I NEGOTIATED A LOWER RATE WITH THEM AT 10.99% ON MARCH 11, 2009. I wrote three checks that afternoon. I called three days later to have the remainder of the funds deposited to my checking account and the bank rep told me she was not honoring my checks and she was closing my account. I told her why she would do this when 3 days before, she had lowered my rate. Basically, what was said was that it was a mistake and that she was not honoring my checks. The checks were written before she closed my account.

Recently, I opened a savings account at Bank of America in San Diego (Rancho Bernardo branch). I was told that I had to open a checking account and deposit a small amount, like $25. It was just formality. My February shows that they charged me $20 service fees. What is wrong with this bank? I had heard horror stories about them, but never had experienced any. Mine is not a horror story. It is just dishonesty. Banks' stupidity and lack of competency got us into the current mess, and now they are ripping off consumers.

In Feb '09, BOA postdated an over the phone check in the amount of $1,370 to come out of my account in March '09 without my knowledge. I only owed in Feb. $400 and in March $300 and made a payment both months for $100 over the phone. Someone in their establishment posted a check with a check number that I don't even have bringing my account severely negative and when I called them, I was transferred over 20 times. They told me they would immediately wire the funds back into my account, then hung up on me. They told me they would call me back when funds were transferred and then said, "Sorry, we now can't transfer unless Wells Fargo is on the phone and can verify the funds have cleared."

I have a boat loan from BOA. Around four months ago, my paper statements stopped arriving and I could not log on my accounts. I finally contacted customer service. They told me my statements were being sent to an address in San Antonio and that the post office was the only one that could correct this error. I contacted postal service to investigate only to given your number to call. I just came to your website instead. I noticed that my credit report from Experian shows my file with this address. I do not know who this is and never lived there. I contacted Experian and they cannot remove this info. I am afraid I maybe a victim of ID theft. Please contact me back to show me the right direction to take. Thank you.

DO NOT USE BILL PAY. BOA is claiming I made a billpay payment ten times higher than I remember making. In addition, they claim they will attempt to pay anything up to $99,999.99 even if your account has a much lower balance. Of course, the payment will never go through but the overdraft fees will keep coming and coming with not so much as a courtesy call from BOA. Also you will get treated to a rude CSR that will basically tell you it's your own fault.

My dad wrote me two checks totaling about $8,000. I deposited them into my account via ATM. After about a week of them holding the check, I called to check my balance and it was negative $888,553.00! I then used the automated attendant to find out what happened, and it said that there had been a debit of $888,888.88 by BOA. When I asked to speak to a representative, she said she couldn't help me and I had to call a number that dealt with account closures. So they closed my account with no notice and have me showing as overdrawn by almost a million bucks!? My balance should have been about $200 before the deposits that never cleared.

I called to ask for an explanation as to why for the month of March I was billed twice. No one could give me a answer. I am charged 2x, and as a result behind in my payments and will remain that way unless I make a double payment for the month of March.

I made a deposit and $100 is immediately available of every deposit made to you account; the remaining amount is pending verification. Prior to the deposit, my balance was positive. However, after I swiped my card totaling $98.75 after the deposit was made, within the $100 that was made available, I was charged seven $35 overdraft fees for the items that were already deducted from my balance, leaving my account now overdrawn! Bank of America stated it was my fault because I knew there were items outstanding; however these items were already deducted from my available balance prior to the deposit and $98.75 being spent.

I walked into a local BANK OF AMERICA branch to deposit (2) checks. The teller asked for an ID and would not accept my checks unless I produced an ID. NO CASH BACK, BOTH CHECKS WERE MADE OUT TO ME, MY ACCOUNT NO. WAS ON BOTH ENDORSED CHECKS AND ON MY DEPOSIT SLIP. A very smug and arrogant branch manager then told me this was their "new" policy. For the record, I had more than enough funds in my account to cover the said checks. Well, BANK OF AMERICA, this is my "new" policy: today, I walked over to TD BANK where a very friendly and polite customer rep was happy to help me. She even laughed when I explained my experience with a bank on the verge of collapse refusing to take my money.

Well I made a deposit through the ATM which was originally for $25, and one of the bills didn't go in. So I put in back in the machine and after that, the ATM said that I made a deposit of $300.00. Now, the bank is accusing me of fraud. I have the receipt that the ATM said I made a deposit of $300.00. Now because of the ATM’s mistake, my other accounts are being closed down. Because of this situation and the receipt said that an error occurred, now I have no ChexSystems reporting and now I’m trying to fight it. Other bank is being closed, and one of the reps told me that this wouldn't affect any other accounts open.

December last year, I moved some debts from my existing credit cards to a Bank of America business card. Even though it was a high interest rate, that was fine but when I started looking at my invoice five months later, I owed more than I had started with. I saw $76 charges that were on my statements. I phoned them up and they said it was a business credit protection that I signed up for. I told them I never signed anything or asked for this and they said it was legitimate. I told them I want to cancel and they said, "We can take off two months for you or you can have an investigation." I said investigate because I never gave permission. Anyway, long and short of it, they were nasty and told me, "If you are not happy with our decision, make a full complaint credit agency."

Bank of America should be renamed the Bank of Phantom Fees and Crooks. Last year around November, I was charged twice for a service I received only ONCE. I submitted a dispute with the bank and in the meantime, they credited the second charge fee back to my account. Then the bank decided there was no fraud when clearly the paperwork submitted by the company shows that the name on the sales receipt and signature was in no way mine. I then had to submit the dispute AGAIN and mail back to the bank the paperwork they mailed me. I highlighted everything that was not my name or my signature.

I had 2 business checking accounts and 2 merchant processing accounts as well as 1 personal bank account, 2 credit cards and 1 business loan with BofA. On the bank accounts, they started holding my deposits for up to 9 business days, and on the very same day the deposits would finally clear, they would put all my debts (of checks I wrote assuming my deposits would be cleared) FIRST causing my account to go over, then charge me $35 for EACH transaction that was over. I cancelled all my bank accounts.

I had my account now for 4 months. It was in neg. one time - my fault. I guess I never get any answers and when I do, it is always a different one. All my deposits are cash or direct deposit. I went to use my card and it was declined. I went home to log in knowing something was wrong. I could not, called and was told there was fraud on my account for $80,000. I freaked out they said not to worry and to call another department. I was then told the account was closed due to at risk deposit, my Ohio unemployment deposit. They confirmed that I have over $2500 in my account and they would send me a check in 3 weeks for my money. I asked how this was legal and then was told it is in the disclosure statement that they can freeze my account for any reason at anytime with no warning.

In 2007, I owed Bank of America $744.16 due to fees after closure of an account earlier that year. I moved so didn't know about it until I moved back. Anyway...when I found out I owed that amount, I paid the bill and I have a bank receipt showing it paid. They told me it would take two weeks to take it off of the check recovery systems, and I didn't think anything about it after that until last weekend.

Bank of America has a scam going on where they are charging outrageous fees for items that have already been deducted from your bank account. They charged me $35 at least 15 times for items that were used by my debit card because a check came through that threw my account off. Instead of just charging me a $35 NSF, they paid the check and charged me $35 15 times for the small items that were used with my debit card. They have now discovered how to make millions by taking advantage of their own clients. Their customer service is very rude!

My mom deposited $740 into my account with an out-of-state deposit slip which listed my name and address on 3/1/09 and they put the money into someone else's account. As of 3/5/09, this money is not in my account. I spoke with Colleen ** on 3/2/09 and she assured me that this was rectified and it was not. My account is overdrawn and there is $100 of overdraft fees and still pending. This money was put into an account that happens to have the same name as myself. The teller failed to verify my address which is now Los Angeles, California. The money was placed in a New Jersey account in South Jersey. The only thing that she could say was that it was a mistake. Well, now this is her mistake because the money was not deposited into my account. I'm very disappointed in Bank of America's services.

I've got over 20 NSF fees of $35 each. I was short on 2 of the occasions and I will understand if they would charge me 2 x $35... But here is how they do it, just to make sure they suck all the blood out of you. I am a small business owner. Yesterday, I had 12 checks that were cleared from my account. I knew of at least 10 of them and I was monitoring my account all day online. The last time I checked the account (around 6:00 pm), 11 checks was presented and cleared and my balance was $126. This morning, I had funds to deposit to cover any new checks... I noticed that they paid the 12th check last night and my account was showing 10 NSFs and they have charged me $350. They chose to pay the bigger of the checks so more NSFs would be charged. And they would do nothing to clear the charges... I hope they go under!!!

My mother put me in her checking account. I received an ATM card which never was activated. However, when my mother went to close her account, she was told there were several charges using this inactive ATM card for about $100. These charges were made, according to the bank, using this inactive card. The bank withheld the money and told us they can take several business days to make a decision.

Last month, Bank of America started using a new system called Banking history. For the first time, I was charged over limit fees with a positive checking balance forwarding over to the next day. I found charges that were deducted from my balance the previous day being also deducted from my account the following day. When I called the banking center and I talked with representatives and representatives' supervisors about this, they justified this. Some of the names are Juan ** in New Mexico, Juan in Rode Island, Juanita ** and etc. I have never paid an overdraft fee and had my balance forward over as positive and I have paid plenty of money to Bank of America in the past because of insufficient funds, but this one is really something.

I opened a Bank of America checking account 2 weeks ago so that I could cash a check locally. My other bank is online only. When I opened the account, the only thing I got was an ATM card. There was no literature or explanation of how these LOAN SHARKS operate. Instead of declining my card when I had a 0 balance, they approved it and charged $35 each time. I made 10 small charges under $5 and got charged $350 for that benefit. My other bank would have declined the charge. This has got to be illegal.

Bank of America suspended my HELOC because their desk appraisal indicated my home value has dropped. Last year they reduced the credit limit on this HELOC by $30,000. That was a desk appraisal too. My unemployed wife needed money from that HELOC to complete school, which retrains her for a job in the medical field. We have no health insurance till she is again employed because we are both uninsurable. No more TARP money for Bank of America!

I had opened up a Bank of America account for no less than 2 weeks. I put a check for $10,000. My check was taking so long to deposit that I called the bank up and asked why it was taking such a long time. Come to find out Bank of America had closed my account. I called up BOA and asked the reason for it being closed. The rep whom I spoke to just told me that it is being closed and I will never be able to open up another Bank of America account. I went back and forth arguing for the rep to give me a reason why my account was closed, but to no avail. They are simply the rudest bank I have dealt with. No wonder they are going out of business. I do not understand why the government is giving them a bailout, or have already given.

So I applied for a free student checking account with Bank of America. I got an approval letter and I went into the nearest bank and made a deposit. The deposit was a large transaction, but under $5000. The check came from my employer and included expenses that I needed to complete my job. The teller explained that since it was a new account, they had to place a hold on my account. I agreed and asked how long and the time ended up being about 9 days! She told me that $100.00 would be available to me the next day. So the next day I call the toll-free number to check my balance and it says I am overdrawn by $886,000.00. Confused, I ask to speak to a representative and she transfers me to the disclosure department. The man I spoke to said Bank of America was closing my account, would not give me a reason, and said they would mail me my funds and I could not have access to the $100.00 they told me I could have.

Bank of America placed a hold on my government pension check. I attempted to have them remove it but they refused. Their attitude was no the hold will not be removed and that's it. This is my only source of income so I have absolutely no money. I explained this to them and they just didn't care.

I deposited a check for $3,000 via ATM to cover my rent and bills. Their machine took it and told me "Cannot make deposit, cannot return check." I asked the manager and she told me, "Oh, don't worry; it will go through the next day." - LIE. I had to file a claim to get MY MONEY and still nothing! My rent is already 3 days late and I'm in jeopardy of losing my beautiful apartment because of this so-called bank. I have no idea what I'm going to do now because they ripped me off and really, who is going to believe that? Certainly not my land lord or people I owe money to. Thanks for ruining my life, ** Bank of America. I'm going to be homeless because of you and your incompetent employees!

I am writing to you because I am so upset about recent events with Bank of America. My husband and I took out an eight-year loan with Bank of America in July 2007. By February 2009, we had paid down by $8,000. The loan amount was $26,500 with an interest rate of 17.99%. We have absolutely no late payments on our credit report. Our credit scores are in the 700's. I work for a 3-branch very small savings and loan. It has been in business since 1885. My husband is self-employed but does all of his work for the Verdin Company. They have been in business since 1842. They install bell towers, street clocks and church carillons. Needless to say, business is slow with both of these companies. Since my husband is self-employed, we put money into savings to pay for taxes. This year, we are $6,000 short to pay for these taxes. In two months, we have to come up with $6,000. This is while we still pay our bills on time and put food on the table.

In November 2007 I bought my first home from Bank of America. I had shopped around for loans very thoroughly and thought I had found the best loan product. Bank of America seemed to have the best interest rate and lowest monthly payment I could find. With a credit score over 800, I did not have a problem finding a good loan for my new home. I have paid my payment on time with no problems for the last 16 months. However, in January of this year (2009), I received a statement from Bank of America saying that my payment would increase about $400 a month and I owed back taxes in the amount of $7,000. From what I have determined, it seems that Bank of America estimated my payment and property taxes off of the land value and not the purchase price of my new home.

Yesterday, 2/25/09, I called Bank of America to do a balance transfer from my credit card to my checking account in the amount of $2,000. The rep said my account was closed due to me being a risk because foreclosure was listed on my credit report? First, let me note that I had no notice of Bank of America closing my credit card account - not by mail or by phone so this was a shock at best to find out when I needed my Bank of America credit card the most important time in my life, it was not accessible to me.

I received an email offer from Bank of America to open a totally free checking account with a minimum deposit of $25 and no fees. I proceeded to open the account, and I received numerous documents from Bank of America including a Visa Check Card, Bank Statement and PIN number. After receiving those documents, I received a letter informing me my checking account was closed and the letter did not provide a specific reason. I contacted Bank of America pertaining to my $25 deposit. I was told I would receive a certified check refund. I did not receive the check for approximately 3 weeks. I contacted Bank of America again pertaining to the $25 deposit, and they informed me that they would be keeping my deposit because the account was closed.

I have 8 business accounts and 5 personal accounts with this bank since 1987. I have excellent payment history, but in January 2009 I printed my statement ending in ** because I needed to schedule a payment because I was leaving town. When I pulled up my statement, the statement had an amount due of 0. I thought that there had been an error, so I paid more than I thought would be due. When I got back, I got an email saying that I was delinquent on my account. I went online to check the statement. The account had a new account number and the payment was $26 more than I paid, so I paid that amount and got a $36 late fee even though I have two statements.

Bank has been charging overdraft fees for items that could have been paid making account to be overdrawn. I tried talking to customer service rep who was not very helpful and asked to speak with someone in charge. I have to wait 20 minutes to speak with someone that wasn't much help either. My daughter had same thing happen to her making her account negative $380.00. She finally closed her account and went to another institution. I have been with them for fifteen years. To close my accounts is a hassle with payroll and other automatic deposit and withdrawals. I think that's why they take advantage with charges. Please help.

In January, someone from Indonesia got my debit card numbers and robbed my checking account blind. I informed the bank. Got a new ATM card. I even contacted the bank with the thief's information that a company gladly handed over to me when they realized it was fraud. The bank said they'd put the money back into my account immediately, considering the types of purchases and items that were purchased, and the enormity of the amounts. They acknowledged it was fraud. That was a month ago.

I opened a MyAccess checking account online which required a $25 deposit. I paid using my debit card. When my debit card arrived, I tried activating on the phone at home and then I went into a branch and tried to activate the card. I was told my card had been cancelled. They don't know when and why it was cancelled. My $25 was not reflecting in my account and they don't have a record of the transaction. There is no explanation as to where my money is. When I call customer service, no one seems to be able to explain the missing money or the cancellation of my debit card. I was hung up on numerous times and never had the opportunity of speaking to a manager or supervisor.

We received a bank statement from Bank of America stating that we were $80 negative because our Mortgage Payment had bounced. When we checked with the local bank, we discovered that our bank statement was wrong. After it was printed, BOA had reversed everything paying the Mortgage Payment even though it was dated last. This bounced 7 other checks for a total of $350 in bank charges. One single check went through twice for THREE bank charges - a total of $95. The people at their Customer line were extremely rude and refused to help us at all. My wife is disabled with Fibromyalgia and we are forced to live from paycheck to paycheck as most Americans are today. $350 is not something we take lightly.

Same as Danielle from Orlando. I saw my account had an overdraft of $888,887,900. They said I was risk due to report from ChexSystems. Report from ChexSystems was wrong. Really, it was wrong. I tried to send docs to BofA but they did not care. They then charged me a fee of $60 and will not tell me for what. Now, I found out they charged my mother a fee. She has had accounts for years with BofA and a perfect credit and perfect banking history. They have frozen my account and will not give me my money. My direct deposits showed up in my account. The next day, they were gone!! All of this and the report from ChexSytems were dead wrong. PEOPLE, CLOSE YOUR ACCOUNTS WITH BOA. Something is very wrong here. They are doing everything they can to get your money on top of stimulus money. They can claim your fees as their money in order to accrue other banks, etc. Close your accounts. Very, very bad company.

I had my daughter open an account with Bank of America. (We live in diff states.) Dental Hyg. can't be on phone for faxing, info, etc. I was authorized on account. Approximately 6 days after account was opened, it was frozen due to a report from ChexSystems. The report was not accurate. I went into the branch in NC and she went into the branch in FL. The bank would not tell her what was on the report. ChexSystems would not talk to her until she had the report. My daughter had an IRS direct deposit and a payroll deposit. The bank would not give her access to any of her funds (or mine). The Loss Prevention Dept at BOA was terrible and so very rude. They would provide no phone numbers or fax numbers for dept heads or supervisors.

I have a joint account with my fiancé. One of his Bank of America accounts was overdrawn in the amount of $177.99. I use our joint account as my own. I got paid on Wednesday of this week, and I went online to verify that the money had made it into my account before going to the mall. I noticed at that time that there was a hold on my account for $177.99; it did not give a reason. I called the bank to ask them what this was for. They informed me that the bank was just holding some of my funds not because of my paycheck, but that the money was due to be released that day and that the money was available to me. I asked if they were sure because I have been lied to many, many times by this bank. She told me she was sure and that I had nothing to worry about.

Bank of America risk management department still after two weeks have a hold on my checking account. They are closing the account, but won't allow me access to my payroll. Check. I don't know what is going on with that account, meaning that activities maybe taking place without my approval. I need my money to pay other bills. This bank decision to put a hold on the account and not release monies to me has caused a tremendous inconveniences and hardship to my family and me.

Constant incorrect information given out by customer service that leads to overdraft charges, posting deposits, checks and debit charges in incorrect order or by incorrect date, and also causing overdraft fees. I am out over $300.00 this month for overdraft fees.

Starting in October of 2008, periodic overdraft fees would appear on my account despite my balance being fine. When I'd complain, they'd reverse the fees. Irritating but not enough to make me as blindingly angry as I am this moment. No, the real kicker came when they finally got around to telling me (a few days ago) that my paychecks were being put on hold (sometimes up to a week) before making their way to my account, even though the ATM slip showed the entire amount deposited and the fees were from trying to use money they arbitrarily decided to keep from me without my consent or knowledge.

Bank of America stole money from my account calling it overdraft fees. I deposited cash to cover all outgoing expenses and the bank held the cash until Monday, causing my account to be overdrawn. The bank told me I would have been overdrawn before the cash was deposited. After checking my statement, I realized they were incorrect. When I brought this to their attention, they could not show me where I would be overdrawn and earn the overdraft fees they were so quick to throw at me. When I tried to speak with someone higher up, I was sent in circles with the same group of people not getting any higher in the banking management.

We moved our family (wife + four cats) and my business to Vegas from Ohio around September 2008. On September 16, 2008 around 2:00 pm, I went to Bank of America at 3580 S. Jones Blvd, Las Vegas, Nevada to cash a check drawn on their account. I was forced to take the check to the issuing bank (BOA) due to the 10-day hold WaMu placed on all checks for our new account. I presented the check to a Bank of America teller who told me she could cash the check, but I would be charged a $6 courtesy fee? However, if I opened an account, I would not be charged.

I was at a restaurant on 2/13/2009 and I used my Bank of America Mastercard check card but it was denied. I have approximately $1,498 in my checking account and a little over $200 in my savings account which acts as overdraft protection if needed. I couldn't understand why it was rejected so I immediately called customer service and the man I spoke with said that he couldn't tell me anything except that my account was deemed to be high risk and I asked him why, all of a sudden, after being open for at least 3 weeks my account is being flagged as high risk.

Isn't it nice that the American public gave its money to bail out Bank of America? Not. On 2/13/09, I visited this bank to cash a whole $55.00 business check from my employer since it was drawn on BOA. The teller told me she had to fingerprint me. No problem. Then she told me since I wasn't a customer, she would charge me $6.00 to cash the check! At that point I said never mind, and after this I would never be a customer of BOA. I went to my regular bank which is a credit union and posed the question how much would they charge me. Isn't that amazing that they would not charge me one penny.

I have deposited my paycheck in the amount of $6,450.34 on 02/09/2009. But BOA put my check on hold for 10 days. The reason they said was I don't have sufficient amount in my checking account. I don't understand why they are expecting some amount in my checking account. BOA sent my check for collection to TD Bank the same day. I followed up my check on 02/11/2009 with TD Bank. They sent me the check image with the confirmation that my check has been cleared and the amount has credited to my account.

On the 10th of the month this month, as with the 10th of the month of every other month for the past two and a half decades, my husband's company has made a direct deposit to our bank account. We do our banking with Bank of America through default; Fleet Bank had merged with Bank of New England and so on, through several incarnations over many years... In other words, B of A assumed our checking, savings, overdraft and credit card accounts that we had opened elsewhere. Nonetheless, we were assured that all of our banking needs would be met, as before, and that nothing would change. However, I have found this to not be the truth.

I made a cash deposit at an ATM at 11:30 at night on February 10, 2009 and have a receipt that shows the full amount of the deposit plus the balance that was in the account was available. The next day the bank showed two checks as being overdrawn because of non-sufficient funds. Had they credited me the amount that my receipt shows, there would have been enough funds in the account to cover the checks. I contend that the receipt I have showed the funds were available and the fees should be refunded. When I called the banking center to request the fees be refunded, the response I received was that in the past year the bank had reversed 8 other checks and that they couldn't reverse any more. Those previous reversals were legitimate or the bank wouldn't have reversed them. Past history doesn't have any bearing on the legitimacy of this incident.