Bank of America Reviews

I had not selected paperless billing for my accounts. My credit card payment became overdue and closed. As soon as I knew it was overdue, I paid the bill, and I have never been behind on a credit card bill ever with any bank. B of A refused to help me. I had not received my paper bills and so was not aware the account was overdue. Customer service pushed me from online, to regular banking, to credit card department for hours getting nowhere. Eventually, I asked for a supervisor. The supervisor simply looked for any reason to tell me “No, we can’t help.”

For the past 8 years I have been an Insurance Agency Manager dealing with about every bank and mortgage company licensed in NC. Prior to this, for 12 years, I was a bank manager and/or mortgage broker. I believe I know what I am doing. Anyway, I will have to say, BOA (insurance department) is the worst bank I deal with. I always call to ask what I have to do to get my request completed and completed correctly and it never fails; every single time it gets screwed up. I sometimes think maybe it is me going crazy. But when I call back, after everything has gone wrong, and realize I have wasted all that time because I will ask them to read the notes or pull up the paper I faxed to them, and they will and see where they explained what I need to do but then decide to do it another way, which causes so many problems for me, the customer, the insurance company and I would think for them as well? OMG! I will be glad when another bank buys them out!

I recently had a very bad experience that has severely damaged my confidence level at BOA. On 01 Oct. 2012 (Mon.), I went to a BOA Banking Center and deposited a check in my savings account. My online banking identified my deposit as “In Process”. On 02 Oct. 2012 (Tue.), interestingly, my deposit transaction mysteriously disappeared from the savings account (checked through online banking). From 3-4 Oct. 2012 (Wed.-Thu.), I periodically logged on to online banking at various times, hoping the missing transaction would appear as credit, but no luck. On 05 Oct. 2012 (Fri.), I went again to the Banking Center (same where I deposited my check) and inquired with the teller about the missing transaction but she was not able to locate it.

I live in Rochester NY and I came down to Florida to find a house and buy it so I can relocate. After going through a quick short sale and an illegal robo-sign foreclosure that I'm still fighting, well guess what? I found the house of my dreams in Tampa, Fla. To my surprise the bank who owns the house is BOA. My husband had been pre-qualified for a mortgage with Cole Taylor Bank in Rochester. However they denied to grant that mortgage even when he was pre-qualified. They told us that in order to buy the house, we had to acquire a mortgage with them to buy this house. We were in complete disbelief to hear that. We called people, with our realtor, and bank managers and someone called us over the phone and asked my husband about the foreclosure.

I have a BOA Royal Caribbean credit card with over 82,000 cruise points worth a $1,000 credit off a cruise. I made a payment in May 2012 of $161 and made a mistake which I didn't notice that it went through at $16,100. This locked my checking account. I called BOA and they refunded the payment except for the amount of $161. Then two days later, BOA ran the $16,100 payment through again, locking my checking account. I talked with my bank and they told me the only way to stop this is to close the checking account, which I did. Then about 10 days later, I received a letter from BOA that they closed my credit card. I called BOA and asked if I could redeem my points and their reply was yes, I could when I wanted to use them.

On October 10, I had accidentally made a wire transfer of over $3,000 to an account that had been closed. My first issue was the fact that this transfer was completed when the account had been closed for over a year. Secondly, instead of the money being put back into my account, it was nowhere to be found. If I had not noticed that I had made a mistake, who knows where the money would have gone? When I noticed what had happened, I called right away and they lied to me saying that they would return the money on that Saturday (the bank then told me that they do not do wire transfers on Saturdays). It is now 3 weeks and again I was on the phone with Bank of America for 2 hours and I still have yet to receive my money back.

I haven't been pleased with BOA several times, but this last one burns me up. I ordered some checks (which, by the way, are priced way too high), and after several weeks, the charge comes, though, and I was charged an overdraft fee of $35.00. The purchase wasn't even the same amount of the fee. And to add, I have never “overdrafted” my accounts. And the one time I get it, it's because they decided to wait 3 close to 4 weeks to withdraw money out of my account, which put me in overdraft. And then after contacting them, they refuse to take off/refund the fee after I said I would transfer money from my other account "with them" to cover the check fee. I’m not happy with them, and I’m looking for a new bank now.

My property was foreclosed upon without any sort of notice. I was in fact told by a BOA representative that they had attempted to contact me twice at two different numbers - one was a fax machine, the other a number that had been disconnected for 4-5 years. There were no other attempts to contact myself or my wife about the foreclosure. We were working with a realtor to short sale our home and had a cash offer. We were enrolled in the HAFFA (sp?) program at the recommendation of BOA. We were not notified that we were discontinued from that program and neither was our realtor.

The level of incompetence of this bank is beyond amazing. A recent headline in Fortune says it all: "Bank of America's Moynihan tops list of worst performing CEOs." My most recent problem happened today. My wife is traveling abroad and she needed to make a payment using the bank's credit card. The transaction didn't go through. I called the bank and got disconnected in the middle of my explanation. Eventually, I talked to a person who assured me, absolutely, with total certainty, that the block on the card had been removed and my wife could make the payment right away. And, as you guess, the payment did not go through. She had to resort to an alternative but far less convenient and more expensive method. She had to suffer the embarrassment. This is a bank run by incompetent amateurs who couldn't care less about customer service. It is not surprising that most of the reviews give the bank only one star, the worst rating. Time to say good bye.

I requested an amortization schedule, updated with a principal only deposit on my mortgage. I have been promised it would arrive in 7 to 10 days. I call every 10 days, I have visited the bank branches and lots of promises. It's been months and still promising.

I tried calling the customer service number for B of A. After many prompts, annoying automated questions, and entering my account # several times, I sat on hold for an agent. When I did get a live person, I could tell she had a foreign accent. I proceeded to explain that I needed to change my address. While giving her my new address, she asked me for the suite # or apartment #. I explained it was a residence and there was none. She then said, "I cannot continue on without a suite or apartment #. What is your suite or apartment #?" At that point, I asked her where she lived, and she said Costa Rica. I explained to her that in America, we have residences, homes, with no apartment or suite number. She hung up on me. Unbelievable.

I am disabled due to 9/11/2001. I have a fixed income and try to balance the account to the penny. Something went wrong this month, and I was overdrawn $3. The bank charged me $35. This is causing me to get further behind. I called a supervisor who told me I had reached my quota for courtesy adjustment and could do nothing to help.

I am a South African that worked on cruise ships sailing for various ports in America for approximately 7 years. During this time, I was approached by Bank of America to open an account with them for my earnings. Since leaving America one year ago, I have had nothing but problems with getting my money out of Bank of America. Before leaving Miami, I went to a branch of BOA and was told it was not a problem to do a wire transfer from SA to get my money. This proved to be the biggest joke. I have spent an enormous amount of money and time getting various notarized documents from the US Embassy in SA to prove who I am and that I want to get my money transferred. It took all of six months to get less than half of my money transferred via EFT, not to mention endless phone calls, notarized documents sent via DHL and hundreds of phone calls.

This is the thanks we get for being loyal? I am shocked and amazed to find that history is repeating itself. It’s funny to me actually. Might I know how dare a bank charge us to use them? I have no problems storing my own money away without them and truthfully that seems to be the best bet. I was fed up with the unfair overdraft fees that my previous bank kept charging me so I sought refuge in Bank of America. I have been with them since 2007 and they were flawless to me, until the month of October. I'm battling them and proactive over my accounts and money. Proactive is constantly withdrawing money out of my account that doesn't have money in it. BoA is supposed to decline my debit card if there are insufficient funds but yet all of this is continuing. Not to mention, the bank statements aren't matching up and the tellers haven't got a clue what’s happening to my account.

I am a normal 38-year-old mother who has had immaculate credit my entire life. Bank of America has reported two 30-day lates to the credit bureaus. Twice I notified BofA of their error, and they admitted to their mistake and sent me a letter notifying me that they would update this with the credit agencies. Shortly after this, I received a letter saying they reviewed my file and their info was accurate and that they stand by their decision to report me. I have been a loyal customer for over 20 years. The first 10 were great, but they have gone downhill since then, and we all have to suffer.

I've defaulted on some debts in the past, but now I am employed with a well-paying job, have no debt, and no outstanding bills. I asked for a $200 increase on my credit card which has a credit limit of $800. That's right, an $800 credit limit. I wanted an even $1000. They said no. I have a $100 balance on my credit card. I pay the full balance off every couple of months. They said no. This company, which would have gone bankrupt if not for a taxpayer bailout, helped decimate the housing market within unethical lending practices but still possess billions in reserve - this company couldn't give me an extra $200. So, screw BOA. I'm taking my business elsewhere and I hope they do go bankrupt next time.

Without a warning about a pending overdraft charge twice now in a month, $70 has been taken from me without return. Both times with a simple transfer from savings, these charges could have been avoided; but because banks are all about making money, they screw people who can hardly afford to feed their kids! Seventy dollars buys enough food to feed my kids lunches for a week. BOA needs to be more about helping their clients than screwing them - it's why I left Chase, and now BOA is just turning into another “screw everyone” bank! A shoebox is a better bank than BOA!

I have had so many problems with Bank of America, where to begin? First, I never have problems paying bills and pay before the due date, and I pay more than the minimum. With BOA Visa, they tried to screw me on the 0% introductory fee and cut short the amount of time and start charging unethical fees for no reason. Luckily, I saved the original advertisement, so they had to reinstate the 0% until the designated time frame. I paid off my balance and closed out the Visa because I don't like dealing with unethical banks. Unfortunately, I had also taken a mortgage with BOA. I paid my mortgage early every month and paid thousands of extra $$ to reduce my principal.

It just sucks that you can't go to a teller at Bank of America without incurring an $8.00/month charge! To hell with the customer, right? "We don't want to deal with customers!" I'm so tired of sitting in bank machine lines while the selfish jerk ahead of us monopolizes the machine for 20 minutes or more - yes, 20 minutes or more! - with only the option of driving all over town to another machine where there's another line. What the hell is wrong with businesses today that you have to actually pay to do normal, necessary business like putting your money in their bank?

I deposited some checks into my checking account. Some of the checks bounced and I am wondering if the others will too. The bank is charging me a $12 fee for every check that came back non-sufficient funds. I contacted the bank because I have never heard of a bank charging their customers fees when they deposit checks that are bad. I have heard of banks charging fees to the person's account who wrote the bad checks. I let the bank know that I have been a loyal customer for the past 8 years and have never had problems before until now. I asked the customer representative if the fees could be waived and refunded back to my account. The bank customer representative said no and that I should be more careful who I accept checks from.

This is the worst banking service ever. They constantly charge fees whenever they can. They do not try and help you get on track. They don't care if they lose customers, which is probably why they lose so many. Everyone I talk to has left BOA. I am on my husband’s account and my mother’s account; they are not on mine. My husband was over drawn; taking money from me is somewhat understandable since I am on his. However, taking money from my mom’s account to put in my husband’s should not happen. Everyone knows they wouldn't let my mom take money from him, since she’s not on his account and he’s not on hers. But they sure will take money from her so that they get theirs - unethical and unprofessional.

I deposited my payroll check into the ATM. The system placed a hold on it after it took the check so it was impossible for me to go into the branch. When I called and explained that I had been a customer of BofA since 2001 and I always deposit the same check every 2 weeks, to please release the hold because I had sent bill pays and checks out, they refused. So, I was charged $35 for 4 items and they would not reverse the fees. This is what you go through with BofA after being on hold for 15 min. and transfers and explaining the whole story all over again. I'm looking forward to closing my accounts with them. Don't bank with BofA! They are too big and don't care about their customers until they need a bailout!

Bank of America has a never ending issue. Your account balance never reflects what they have in their system. There is always some ** runaround as to why. I wrote a check and it cleared and 2 days later, I made a purchase for $7.75. Now here is the problem. I forgot that a deposit was not going to hit in time; however, I still had a positive balance after the check cleared on my end of my account history on their website. Then 2 days later, I see a 35 dollar charge for overdraft. Now the issue is real ** simple. After the check cleared, there was a positive balance. After the $7.75 was made, it should have been -$4.75 and they give you 5 days to get the account positive which it was 2 days later and yet these sorry ** will not refund the $35 overdraft charge. I am sick and tired of their ** excuses and as to why my account history never reflects what they have on their end. This has to stop. My account should reflect what they are seeing also.

I attempted to use the drive up ATM at your 1300 Spring St., Silver Spring, MD branch. It was out of order, so I drove around the block and parked in a space in the alleyway (not in the fire lane), and in the minute or less that it took me to retrieve my cash, the building's management had a tow company hook up my car and was about to tow it away. I complained to the branch manager that the building's property manager was hurting your business and the convenience of using the ATMs in this situation were useless. It cost me $50.00 to have my car unhooked. I have been a BOA customer over 20 years, and unless this is resolved either by the bank, the county Office of Consumer Protection where I filed a complaint against the tow company (G&G Towing) for predatory towing, or the tow company itself, I will not only leave your bank, but also publicize my experiences.

I would like start start of by saying I was all for Bank of America. Somehow, I managed to see that Bank of America was hardly a bank of the people as they claim to be. Over the past four months, I've been misled to think that my past due amounts can be looked past if I were to catch up on my payments. Bank of America has put me on payment plans that only leave me in more debt with my credit line. They seem to note all of their mistakes through the calls you make to them but never have a solution to your problem with the false information they feed you and blame it on other departments like they are not a part of same brand and speak for the same company (words from one of their employees, Joshua ** of the credit line department). God help you if you're trying to solve any problems you're having dealing with Bank of America.

Bank of America continues to rip off its customers with multiple overdraft fees on the same day. My account posted 3 transactions on 9/19/2012. I had a balance before postings of $101.47. The three postings were $18.79, $9.38 and $104.27. Bank of America of course posted them in this order so they could maximize their overdrafts: $104.24, $18.79 and then $9.38. By ensuring that they posted the largest transaction first, they were able to charge me three overdraft fees instead of one. This is BoA's last ** to me. I am closing my accounts on Monday and I am moving to another bank. I would suggest everyone else to do the same.

I don't even have an account at BOA, but my boss banks there and wrote me a check for payment. After work, my bank was closed so I went to BOA to just cash her checks. I went in the branch at 345 North Brand Blvd in Glendale. I was helped by **. I said I just wanted to cash these checks, I'm not a customer. He started asking me to open an account, why don't I have an account and where do I bank. Okay, I know the bank makes him ask, I get it. But when I kept saying no, I am not interested, he wasn't pleased. Then he said, "My machine isn't reading your checks. The only thing you can do now is open an account." I laughed and said, "Seriously, you can't just enter the check in manually?" He said, "Nope, you'll have to just open an account." **?

On August 29, 2012, I opened a checking account with Bank of America. Weeks later, my account was cancelled and a $329 direct deposit plus a research charge of $40 was applied to a negative balance of $888,888.88. This action by Bank of America caused me lots of pain and suffering.

We sent a deposit from Chase to BofA. We've done it before without event; however, this time they lost the payment. My disabled/elderly mother has stressed for days as we both called, emailed and faxed all required documents to find this payment. After numerous hours, nothing is resolved and the reps at BofA won't even give me a fax number to send proof of this payment to them. This proof shows this payment was accepted at BofA over 13 days ago. Had I not watched for this money, my car insurance would have bounced and caused me to lose my insurance, which in Texas is illegal. Luckily, we had funds available at the credit union to cover this insurance charge while waiting on BofA to correct their error. Meanwhile, BofA keeps sending us back to Chase and even tells us to "recall" the payment, but unfortunately you can't "recall" an electronic transfer.

In July 2008, I was called by an employee for my successful store, "A Bit of Zen,” which I poured my real estate split from my divorce. Everything - because as an entrepreneur I had built $1.3 million in product and hundreds of products which my ex-husband bought me out of for $120,000 in my kitchen since he paid my lawyer not to represent me, got another plus himself, and slandered me in court just because I wanted to divorce him. He should be disbarred. He also slandered me to save himself from child abuse charges the police told me to make - for twenty years he slandered me in the workplace where I made him a millionaire and with every family member I have and with every friend I had. He even slandered me internationally, telling people I "took all his money" while he underpaid me $400,000 for biz "to pay debt".

Being a disabled and now a single parent, I need every penny I get. Being on a fixed income, I have to and try to be really careful with my purchases. Financial emergencies come like rain and it pours. I was robbed of $84.64 in August. My disability check came in and took care of it. But the thing is I really didn't have it to begin with. I wrote a check for under $6. This was in July. The check hadn't cleared until two and a half weeks later. I didn't realize it and wondered where the overdraft fee came from. Then they charged me an overdraft protection fee for 10 bucks. For what? No money was there. Since all my bills were paid and no money was left, I got hit with an extended fee. All of this for $5.41? Laughable...

I tried to set up auto-pay online to pay my full balance each month only to find out I needed to fill out a paper form and send it in. What?! I can do this with other card issuers! Are we not in the 21st century? So, I fill out the form and send it in. They took so long to process it that I ended up being late for a couple of payments. Ok, late payments are on me. Still, if they had done their job in a timely manner, this never would have happened. Finally, the auto-pay kicks in and the first payment is, indeed, for the full balance.

First I'm upset that I even have to spend my time getting the attention of corporate BOA about this. I tried calling and voicing my complaint about the $16 maintenance fee on my small (and I mean small) business account over the phone last night. I really wanted someone from corporate to know that I'm not going to sit back and let this happen. The rep who took my call started off cold and monotone, but started to change her tone a bit when I got angrier and insisted on talking to a supervisor. When I asked for another supervisor, I was told I had to leave a message on a voicemail and that it was policy. This just made me angrier.

I wrote an earlier review: I inadvertently over drafted one of my checking accounts by 50 cents. Bank of America charged me a $35 fee for this minor overdraft. When I spoke with an online customer service rep, she told me that because I had a fee refunded in the (distant) past, I was not eligible for a refund or waiver of this ridiculous fee. I don't think this is good business. If one has problems with a bank, one can file a complaint with the Federal Reserve ** and this is what I did. It will undoubtedly cost BOA more than 50 cents in postage to respond to the complaint. I guess the days are gone where there is even a pretense of 'customer service'.

I went to the BOA branch at 855 Pollasky Clovis, CA to get cash from my BOA EDD debit card (California State Disability Insurance benefits). The teller asked where I banked and I politely told her it was none of her business. The branch manager butted in at that time and said, "I don't let anyone talk to my tellers like that. This transaction is done." I was astounded, asked her if that meant she wouldn't let the teller give me the cash from the card. She said I needed to go outside to the ATM. I told her I had $1,300 on the card and the ATM only lets you get $1,000 a day so that was unacceptable. She kept asking me where I banked and I kept telling her it was none of her business.

I retired from Bank of America. They take the money to pay for my medical insurance out of my Bank of America pension checks. I am elderly and disabled. Instead of paying my medical premiums, they keep it so my medical gets shut off. Last time it was for over a month. I lie in bed and suffer. I don't know how long it will take for them to straighten out their mistake this time. I had to cancel all my doctors’ appointments and go without medicine that would help ease my suffering. This time they not only shut off my medical, but they back-dated it back to April so that Aetna is going back and denying all my claims and asking for their money back. Now I will have the doctors’ offices calling me. Is anybody there? Does anybody care? This is week two.

Today, I decided to get a new account from a credit union. I thought so far everything was good. The next thing I know, the lady asked me if I ever had an account with another bank. I told her, "Yea, but I closed it a while back." She said, "Well, BOA posted an overdrawn account in 2009 for the amount of $385.31." I said, "That can't be." A while back I told the lady that I didn't make those charges and I'm not paying for them. Needless to say, she said, "Well, we aren't fixing it. You have to pay it yourself. You waited too late to report it." Smh, so thanks to them **, I can't open an account at all.

Violence at Bank of America in Neptune, NJ - Yesterday, my 70-year old father who walks with a cane went to Shoprite 2200 New Jersey 66 Neptune City (732) 775-4250. He had to go to the bank and the bank he uses is Bank of America. The only location near us is in Shoprite. So as he was walking into Shoprite, a young kid, maybe 13 or so, got in the glass turn style with my father. The kid kept talking to somebody outside and because he didn't move, the turn style didn't move so my dad said "Hey, I need to go. Stop talking." The kid started yelling all kinds of profanities at my father and eventually, he was able to get out of the turn style.

I overdrew my account by $2.12 by making an online payment on my credit card. I was hit with (2) separate $35.00 fees and the transaction was paid. B of A disclosed in writing that it did not charge overdraft fees on drafts under $5 and I never opted-in to have overdraft items paid. When I complained to the bank via email that $70 was a bit excessive for an oversight of $2, they basically responded with a 3 page letter explaining how a checking account works, refused to waive any of the fees and said they appreciated my business. As for why they paid the item in question, their response was unbelievably: "we sometimes pay these items."

To receive information via fax: I have been trying to obtain information regarding construction loan documents since ~8/6/12. No one seems to be able to help me, and I am being forwarded from one department to the next. I received the wrong documents on multiple occasions, and I am being charged $15.00 for wrong documents. I have been informed that the number to the department that can assist me is 800-729-6771.

I called to make a payment and I spoke to Shereyar (ID number **) and let me just tell you: he was rude. I started to explain that I wanted to make both monthly payments to him and he replied that he could handle that and told me about the fee by phone. So, I asked if there was any way he could waive that so I can make the payment in full and he told me no. I proceeded to ask if there was an online service and he started talking, so I said I was sorry and he proceeded to tell me that there was no need to apologize. If I wouldn't have been talking while he was talking, I would have heard him and he will repeat the information for a second time. And that just set me off. I was upset and asked to speak to a supervisor because he was being so rude to me. He asked me why and I said because he is rude and I want a supervisor and he told me to hold.

How the Government and Bank of America Destroy Small Businesses - As Bank of America bought Countrywide Loans, our loan was transferred to Bank of America, and we continued to pay Bank of America our current home loan payments. Also, our business had a $50,000 line of credit with Bank of America in addition to a $75,000 line of credit with Advanta Bank Corporation, which we had yet to use.

I have banked with Bank of America for 20 years. I paid California Edison bills over the phone for $25 using Bank of America checking account. I didn't realize that my checking account was short by $3.06. I was charged $70 for insufficient funds/short of 78 cents and $2.28. This is ridiculous. This is stealing money from us, the consumers.

Bank of America lies! When a bill pay came through on the 17th that was due to go out the 20th and the bank themselves had dated the check for the 20th, I was charged a fee but was still positive in the bank (before the fee, after the fee I was $4 negative!). I called, got the fee reversed and was told if I put $4 in the bank before everything processed (because this was on a Saturday so not a lot could actually be done on this day) and called back Monday morning, they would force pay the bill and of course also refund my fee. I did all of the above and was told by a 2nd manager that it was indeed being paid and went about my day.

I have one account with Bank of America just for side jobs and to pay bills. There’s not a lot of money in this account. Anyway, I used my ATM for a couple small items, maybe a handful of $2-$8 charges. Apparently, there was less in the account than I thought and I didn't receive any emails or texts stating low balance like in the past (I would get an alert on my phone if my balance dropped below $25). Regardless, it was my mistake and I would understand one $35 charge for the initial overdraft, but to continue charging me for several small items is a scam and should be illegal! Bank of America is not protecting my money; they are stealing it and getting away with it. Let's stand together and fight bank robbery.

I deposited my check 5 days ago at BOA and still I can't withdraw my money because they don't know where my money went. I've been to the branch where I made my deposit 3 times and they still haven't resolved my problem. They gave me an 800 number to call, but they are not able to help me either. They keep sending me to the branch. Like everyone else, I have bills to pay but they don't give a **. Instead, they tell me that my problem might be resolved next week. I hope they can also resolve my late fee from my car payment.

I am currently an employee at Bank of America. On May 6th, my son and I was in an accident and when I did not return back to work on May 8th, I was fired and my health insurance was cancelled. When they realized that they were notified in the proper way, and that my firing was unlawful, they reinstated me without health insurance. Now I am employed but have no health insurance and my son and my medical bills are not paid because I did not have coverage. I have complained with management many times and they just ignore it. If I were a shareholder or customer it would have been just the same. Management will do nothing to resolve any problems, no matter if you are an employee, customer or shareholder and no matter what your problem may be or who made the mistake.

I didn't know you could transfer between accounts for only three times a month without fees being charged. It caused my savings account to be overdrawn by $1.35, for which this branch of Bank of America located at 3939 San Pablo Dam Rd. in El Sobrante, CA charged me a whopping $38! The sales specialist Reina ** said if I were homeless, she could reverse the charges due to hardship. But otherwise, forget it. I closed both of my accounts, and she made no attempt to help me or save my patronage. I just wanted to let everyone know that no one should do business with of Bank of America. They don't care about their customers!

This past week, BofA has been doing some interesting accounting on my checking account. One day, I'm up $18; the next, I've overdrawn over $21. Then, they charge me $35 for an $0.88 charge that they didn't even honor. To make things worse, they have now managed to lose $80 that I transferred to my account from PayPal in the hopes of ensuring there would be no more overdrafts. PayPal provided me with a confirmation of the transfer from their end, but the money doesn't appear in my account and the bank seems to have no idea what's happened. It seems like I'm being punished for daring to complain about them.

I had a transaction come out that I simply overlooked and ended up being .89 cents short. I misjudged, that's my error, but to call and get sympathy from a bank I spent years with was truly not worth the hassle. I called and asked for help and was told they could not do the courtesy waiver because I already had one when I filed a fraudulent charge, so I already used that up. I was then told a supervisor would help me. Edith came back on the line to tell me that she'd be able to waive one, which I still don't see how .89 cents equals $35.

I have a military account. This account has recently been altered so that its members cannot deposit funds in an ATM. B of A has confirmed this and I find it to be inappropriate. Beware!

It was my first real bank account (with Bank of America) so I’m not aware of every little thing. I and my brother had a joint account. He ended up going to jail with a negative balance of $35 in his account. I went in to the bank and ask if I can take him off my account because I didn’t want to have to pay his balance off. The teller told me that I don’t have to take him off the account because if the $35 wasn’t paid in 30days, it will automatically take him off. So after 30days, I went back (and let me remind you that my direct deposit was in my account twice a month so I was always in the banking center) to find out that my brother’s account is in the negative $63. So, I asked the teller again if this will affect my account because of the direct deposit that I will be receiving, and she once again said no. Then I said, “But it’s accumulating every month.” And she said that it will all be reflected on my brother’s account. This was a different teller from the first time.

During the Summer of 2011, I was convinced by the local BOA branch in Brookline to open an ATM and checking account since BOA carried my mortgage for two years by that time. I did, and I deposited a mere $25.00. I never used the ATM, and never used my funds. My mortgage, as many are, was sold to another company. BOA then changed my account, with no notification to me, so that I was being charged a monthly fee for this ATM and checking account, which I never used. I stood in line for 45 minutes last week in order to close my account and withdraw the $25.00. But alas, I was told that I no longer owned the funds because BOA used them to close the account by force after using up the funds with their monthly fees, which only were incurred because they no longer carried my mortgage.

BOA took down a charge for 48 hours and then brought it back when there are charges that would make the account go negative. It caused lots of overdraft. Even though there was enough money pending to cover the overdrafts, I added money in the same hour the overdrafts occurred and still got charged OD fees. I think they know when to let charges to go through to get more fees. My business has watched how transactions go through and they are manipulated. We should have let them go bust and not bailed them out. This is what we get in return - higher fees!

My account with Bank of America was closed on 08/01/2012. I was told by their customer service department that I can go to the local branch and collect the funds remaining in my closed account on 08/01/2012. Accordingly, I went to the bank on 08/01/2012. In the bank, I was told by their representative that they do not have the funds and a cashier's check has been mailed to me on 08/01/2012, and it should take 2 to 3 business days to reach me. I called up their customer service department after coming out of the bank and they told me the check has been mailed and it will take 10 to 15 business days to reach me.

I sent an email to CEO Brian T. Moynihan and I didn't even get a courtesy of a reply. I wanted to speak to him about saving my house. It is very frustrating to not have received a reply. I've also contacted various contacts at various numbers and left numerous messages. I have yet to receive a reply from any representative regarding this matter.

BOA rejected my application for HELOC as not fitting their guidelines after encouraging me to apply. The reason for rejection was noting but the purpose of the loan - to pay towards down payment on another house that I was purchasing. Even though I clearly stated the purpose and emphasized the urgency and time limitation on this application, the bank did not bother to call or e-mail me on the status leaving me quite unexpectedly empty-handed before closing.

Kiran, the Indian bank manager, is horrid. She considers me a good faith customer but now that I've experienced fraud for the first time in my life, she is unhelpful, ruse, degrading, and racist. They could not simply do anything for me. Yet, they gladly gave me the money before it cleared. Who's the fraud, I or them? If the check takes five days to clear and they clear it early for me, who is at fault there? Kiran, you are heartless, unhelpful, and discriminating.

I have been getting calls from Bank of America for a couple of years trying to collect from someone I do not know, who may or may not have had my phone number in the past. I have had my phone number for 10 years and have no accounts with Bank of America. I've talked to the collections people who call numerous times telling them that I don't know the person they are trying to collect from but still keep getting calls. When I explained that to the last person who called and told her I was going to report this to Consumer Affairs, she hung up on me. When I tried to call the bank directly, I could not get through their automated system because I do not have an account number. I want the ongoing calls to stop.

My issue with Bank of America (BOA) unfortunately starts with a divorce after a three-year marriage. We both had our own homes and we had remortgaged my home with Bank of America. My ex-wife signed first because her credit score was slightly higher than mine. In divorce court, we were each awarded our own homes and she Quit Claimed off the deed. I was in the process of re-mortgaging through a broker with Bank of America when the company that I worked for went out of business.

My wife got a call at work, and it was forwarded to her, because Chris "was looking for James." The employee, who got the call, referred it to my wife Terry. My wife is not allowed personal calls at work. She was very bothered and upset about it, and obviously, she couldn't speak as to his call purpose, telling him she was at work and I don't work there. When questioned further, my cell number was acknowledged. I then received a call at 2:07, and I answered his questions. Later, when my wife came home and told me about it, I was concerned. After attempting to call back approximately 10 times and going to Bank of America and PNC with no positive feedback as to the validity of call, my wife and I put credit freezes on our credit bureaus.

I called on June 15th regarding a new auto loan and it showing on my online profile, but it wouldn't allow me to pay. After 1 1/2 hours on the phone, they indicated that it would be fixed in 2 business days. Now July 16th, I logged on to pay the car payment. Still, same problem. I called back, spoke to 4+ people, was placed on hold for over 15 minutes, was told completely different things than on June 15th and was promised that a manager would call me back, which I said needed to be between certain hours as we were in different time zones. I received a phone call back from the manager at close to 7PM my time (I said between 8AM-5PM my time zone). Her name is Hilda, **. I have left her several voicemails today, only to have no answer.

I have now been on the phone for 48 minutes to order a simple ATM card. I ordered a replacement card last week during a call that lasted over 45 minutes. Despite the lengthy call, the ATM card was never ordered and never made it to my house. When I called back again today, they did not have a record of last week's call or that the card was even ordered. I am still holding and it has been 50 minutes and 4, 5, 6 seconds and counting.

I deposited a check to my account in the amount of $2,800 from my PerkStreet account which has been withdrawn from my account and Bank of America is saying when they presented it, there was a problem so they would have to put a hold on the account. I discussed this with my PerkStreet account holder and they said there was no such thing presented and they do have the money. Bank of America is trying to charge me charges for overdraft fees and said they are not going to remove the hold till the 24th. My conversation with them yesterday said the hold would be released once the money is posted to my other account. But now, they’re changing their story and giving me the runaround.

BofA froze my account without properly investigating a fraud claim on my accounts. I am furious and will sue this horrible institution for falsely taking money from me without justifiably going through the proper procedures. I wish the FDIC could read all of these terrible reviews!

My grandfather put $6.000 into a BofA account for his funeral expenses. When he passed, I went into a local branch and was told, "No problem. Just bring us the death certificate." I returned to the same local branch and gave them the death certificate. The lady typed on her computer and said, "Oh well, he didn't name a beneficiary on his account so we can't give you anything. You will have to go to court and have it probated out" and then she walked away. I had to pay out of my own pocket for his funeral and BofA still has his money.

I have heard a lot of complaints about Bank of America, so I decided not to get a loan from them. Unfortunately, I am trying to buy a house that they own. Let me tell you this is the most frustrating process. I have had three closing dates as of today. For some reason, BOA is dragging their feet in doing the paperwork. Every thing that I or the title company needed to do is done. I have asked for a phone number to call BOA but no seems to know who to call. This was not a short sale. I signed the contract on May 3, and the new date to close is July 13. As of today, the paperwork still isn't completed. I won't hold my breath as I highly doubt the closing will take place on time. I am ready to walk away. This time, I will make sure BOA doesn't have any interest in the house. Every one should stay away from this bank. They suck, whether you are in need of a loan or buying from them.

They have re-arranged the account to their advantage and have caused several overdraft fees. When confronted about this practice, they could care less and stated that was their policy and refused to refund the fees. When I told them I was switching banks and no other bank provides service this way, they could care less! Horrible, rude and poor customer service. If I treated my customers this way, I would be out of business!

Bank of America takes it upon themselves to rearrange your account from highest to lowest, and therefore, when items clear and they rearrange the amounts, they benefit greatly from overdraft fees! Apparently, they are the only bank with these actions! They say it's because if people pay their mortgage or car payment, it is covered first! They say it's their policy and customers like it this way! I have spoken to a branch customer rep and an online banking chat rep, telling them both I was taking my business elsewhere. They could care less! I am also in the process of filing a complaint with the banking commission!

This bank is located at 71st Lewis, Tulsa, OK. My wife had taken out a short term loan of $30K. After couple of months, she had decided to pay the loan completely off. After consulting with the bank, the loan officer gave her a payoff amount. After she had paid that off, we thought everything was settled. But after a couple of days, the bank branch manager informed us that they had miscalculated the payoff amount by 12 cents. So he wanted my wife to pay up the balance: 12 cents. We could burn more gas money just going to bank. He even acknowledged that it was his employee’s mistake, but he could not write off or even the banks come up with 12 cents. I will never do business with this bank again.

We found out today (6.27.2012), BofA does not notarize paperwork for their customers for other financial institutions. We took paperwork in today for loan modification that needed to be notarized so we don't lose our house. Their policy states they don't notarize, unless it is for BofA? Wait, who bailed them out and continues to bail them out? Oh yeah, me, their consumer. The customer service supervisor I talked to "understood" my frustration and anger. Really? He could not explain the reason for the policy or the why for the policy and since it was "clear cut," there was nothing he could do.

Today is Wednesday, June 27, 2012. I closed on a house in Albuquerque, NM last Friday. I turned over the keys to the new owners. Bank of America holds the new mortgage and has yet to distribute $150,000 due me. Their last excuse was they did not like how the county this house is in establishes property taxes; as if I the seller or the realtors have anything to do with that. BofA has invented a series of delays in order not to have to wire the money into my account. Whatever happened to the good old days when the bank paid you at closing? My opinion is that BoA is probably doing this many times each day. The longer they delay paying me, the more interest BoA receives - not that it is that much on $150K, but I am sure BoA is doing this all the time, in order to capture this low-hanging fruit.

BOA property in Tucson, AZ - I made an offer to buy a bank-owned home and signed a purchase contract with the Bank of America, who refused to sell the property to me. We signed a contract and applied for VA loan and was turned down for VA financing. We were promised in writing that we could purchase the property with the same contract terms when we received full financing. Well, we did this and presented the offer again to the asset manager for the owning bank. They in turn counter-offered, removing one of the terms of the original agreed contract. Also, while we were securing the financing, they released their real estate agent and re-listed the property with another, lowering the price of the property by $10,000.

My wife and I were shopping Sunday and I received an email that my account was over. Right away, I transferred money from my savings to my account. When I got home, I went online and noticed they had put a hold on funds in my savings even though I have plenty of money to cover all amounts. I thought, "Well, it will clear up after midnight." It never did. We called Customer Service and they said funds were released at 5 pm. Well, it's 6:30 and still no money. They used to release funds as soon as money was put in the account to cover. Now, they hold double for days. We have been with BofA for 30 years, no bounced checks, never overdrawn (at close of business day). BofA needs to close down. I'm changing to Wells Fargo and finished with BofA. There are also other problems with them, too many to cover here. They turned into a bank that just needs to close down.

I inadvertently overdrafted one of my checking accounts by 50 cents. Bank of America charged me a $35 fee for this minor overdraft. When I spoke with an online customer service rep, she told me that because I had a fee refunded in the (distant) past, I was not eligible for a refund or waiver of this ridiculous fee. I don't think this is good business. If one has problems with a bank, one can file a complaint with the Federal Reserve ** and this is what I did. It will undoubtedly cost BOA more than 50 cents in postage to respond to the complaint. I guess the days are gone where there is even a pretense of 'customer service'.

I went to the bank with checks that were made out to me from my newspaper customers. Most of them were for $20 or less and because I don't have an account with their bank, they take $6 (BoA) or $5 (TD) from each check as a processing fee! Really, these people have their money in these banks to do their financial business and they are taking money from the checks they give people .They say it's a processing fee but last time I banked, the check has to be processed whether I have an account with them or not. How is this legal? I don't want anything. I just would like someone to explain why this is allowed. Both banks had the same response to my dilemma - just open an account with them. After hearing the fees they charge for everything, never.

Back in February, I received a notice that my adjustable loan had adjusted and my new payment went up $36.86. I neglected to adjust my automatic payment to them in May. They issued me a check for $1,700.00. The check was dated June 5. I received in the mail on June 11 a notice that they had reported it to the credit bureau for a 30-day late payment because "they do not accept partial payments."

On June 11, 2012 at 9:00AM, I went to Bank of America at 8440 West 135th Street, Overland Park, Kansas, to check a payroll personal check that my son gave to me, because I am the nanny to my 3 grandkids. He pays me every two weeks, mostly by his personal check. But this time, I went to this location, which is by their house in Lions Gate. The Asian girl started asking me for some BofA card, and I told her that I was checking this check and that it was my son/daughter-in-law's account. Then, she stated that she had to go and check something out.

I used to bank with Citizens Bank in Delaware but when I lost my job, I moved to Lynnwood, WA. Unable to see any Citizens Bank near me, I opened an account with Bank of America and was very happy because I was able to access my account anywhere I went in - search of job. Around March 2010, my account was put on hold, according to them, to find out why I did not close my account with Citizens Bank properly. Till then, I have not been able to access my account. I am the breadwinner of a family of five and I have made all efforts, but nobody is listening to me.

I am a customer of Bank of America, and they are not being professional, empathetic or helpful to my family. The following situation is one of unfortunate circumstances that I feel could have, and should have very easily been avoided. I stopped a payment on a check on June 2, 2012 for $2,500. The company that the check was paid to, Conn’s, sent the draft through for $2,503, so the stop payment did not work. Now, my account is negative from the incident, and I have at least five overdraft fees. I explained the situation to Bank of America Customer Service, but to no avail. Each representative advised that they couldn’t help, in a very uncaring and stubborn manner.

I noticed that Privacy Source was taking $12.99 from my checking account without my consent. When I called to stop the drafts, they said this was something good that would stop fraud. I told them my dad said this was not good and it is a waste of money. They were able to convince me to keep it. I told my dad I was afraid to keep calling because they are going to keep "outtalking me" on the phone. I'm going try again. This time, I'm going to put my mom on the phone. They might listen to her. I hope I can get my money back because I didn't want this service. Thanks.

We have a total of three properties with Bank of America Corporation: one that is primary residence that has a variable rate of 3% and two that are house rentals. We have requested modifications or interest reduction of the rentals. After 4 1/2 years, we received a reduction in interest with no consideration for the past inflated interest. While we reluctantly agreed on one of the rentals, we could not afford the terms BAC offered on the second rental. No discussion or escalation was done. We are now in foreclosure proceedings. This does not make good business sense. BAC would rather lose thousands of dollars rather than make thousands of dollars working with proven customers who already have a good standing with them. Come on, this is crazy. No customer rep can help us because they have their hands tied. We need this matter escalated. Retro the interest and bring it closer to our existing interest on our primary residence. This is good business for us and for BAC!

Bank of America sent out privacy notices. In the privacy notice, it is written that Bank of America can collect and share your social security number and employment information, account balances, transaction history, and credit information, etc. Can the customer limit some sharing? Yes, but some information you cannot limit.

My fiancée Kassandra ** went into the local branch on Kennewick Ave and made a deposit to my checking account for $162.00. She came home and I went to the store where I slid my card and was extremely embarrassed as it was declined! I went down to the bank where they told me a deposit from such person was never made. So I called my pregnant fiancée, who was even madder than I, and she came down and they told us they cannot find that deposit. My fiancée never gets a receipt and she always tells the teller, “It's a deposit. I don't need a receipt,” and then drives away after they say, “Okay, have a nice day,” just like today.

The office of Bank of America has been treating me with irregularity, very rude attitude, unprofessionalism, lying, delayed tactics, and inconvenience in the home mortgage loan application. It is difficult for me to follow the loan officer's demand again and again for almost 4 months, and I am exhausted mentally, physically, and emotionally.

My mother became ill with cancer and while in Texas, she asked that I be added to her and my stepfather's account with my sister, who has a power of attorney for the two of them. A year or more after she died, I called customer service and asked to be removed. In short, a case file was made and got a reply from FL. Case close. While in Concord, California on vacation and using the ATM at BOA, I went into the branch where I had to close the account to be removed. I explained all my stepfather's direct deposits from SSI and pensions, as well as payments for his nursing home would all have to be re-established with a new account. Besides, it's his account. All I want is off it. Then he looked at my CC accounts and said, "I see you have two credit cards you don't use, I'll close those." I blew up and left.

I have been an account holder, checking and savings, of your bank, Bank of America, since 2005. I even talked my fiance in becoming an account holder of your bank as well, him since 2007. Out of all these years, May 2012, your bank's decisions have caused stressful situations to enter already a stressful life. On May 3, 2012, I checked my online account and found a check of $903.66 posted, the funny part is my account did not have the sufficient funds to cover this check in whole. I made a phone call to 1-800-288-4408, spoken to a broken English representative named Maria who led me to the 1-877-366-1121 where I spoke to another customer service rep named Leisha. I told her I need to stop payment on this check. She basically told me that I, the account holder, did not have a say-so on my money, but the bank has not issued out funds to pay the check and wait until ledgers close for the day.

A friend of mine wrote me a check which I deposited to my account. The money cleared and then a few days later, the money was removed from my account. I called and asked what was going on and I was told that no one could tell me exactly because it was all in a letter with the cancelled check that was snail mailed to me. Of course, this letter has not arrived almost 10 days later. But I find it extraordinary that the only evidence of this missing hundreds of dollars is only on this one letter.

I've been a Bank of America customer for years and why I have not left them yet is beyond me. Every time I turn around, they are shutting my card down. I have had free checking from the beginning but get a $12 a month charge. I signed up for a keep the change savings account and now am getting charged $5 a month for a low balance. These people invent new ways to screw people out of their money. I've got to do something else. These bunch of crooks do whatever they like and get away with it. I have direct deposit that comes in on Wednesday night. At midnight, they have held the deposit up and ran through deductions first to lower my balance then charged me a $35 fee for a low balance before crediting my account. Somebody needs to do something. This is basically a legal form of robbing the masses.

We own a mall retail store and bank at Bank of America. For over 2 years, we have been going 2-3 times per week to Bank of America at 3111 W. Chandler Blvd, Chandler, AZ to make change for our cash drawer. Randomly, we have been asked to present our debit card (1 out of 10 times) and this last visit, we're told that there is a charge for making change (i.e. large bills to smaller bills and rolled coins). I asked to speak with the branch manager and asked if this was new. She replied no, it has been a policy for a very long time. My immediate response was that I had been making change for the past 2 years with her and everyone of the tellers that were present yesterday and have never been charged or told there was a charge for making change. Her response was that I must be mistaken.

I've had a number of odd things happen with my accounts with BofA over the last several years: 1) opened a CD one week, they closed it, took the 2 cents or so interest, then reopened it a week later, 2) charged me a fee that it clearly states on their website I wouldn't be charged, 3) had a weird occurrence of "someone" using my card somehow in Alabama. That was reimbursed with insurance funds. I'm skeptical of the whole thing.

I have been a customer of Bank of America for many years. I have a checking, savings and credit card. I have had the same debit/credit card for years and at times had issues with the bank not authorizing a charge and sending me a text message on my cell about unauthorized charges. I contacted the bank's toll-free number and cleared up the matter. I travel a lot, mostly between PA, NC and FL. Anytime there is a holiday, I schedule vacation around that holiday so I can travel. Bank of America somehow feels they are protecting me by not putting charges through and forcing me to call and verify, however, it has become a little silly in my eyes. My wife for instance had to call and state she was headed for MA and DC for her doctoral residency and please do not close the card. It is like my vacation is being monitored because I have to report in to Bank of America or my charges will not be put through. Kind of seems too much of a Big Brother thing going on.

My 16-year old daughter was denied cashing her first check because she doesn't have a Massachusetts ID because she's 16. The manager and teller should have known better. The bank's location is in Boston, MA, Kenmore Square and Brookline branch. I think this is because we were black. She had proper school ID and it was a Bank of America check.

Bank of America ATM located at College Drive and Cicero Ave. in Palos, kept my debit card from another bank. Lots of funds in the account. Why did it keep the card and how do I get it back? A manager at the bank said they have no control over the ATM and can't help me.

The American Financial System rules how banks should behave between them, sort of; the same system that Bank of America participates in, issues a starting check booklet to new customers, until they request their own checks from anywhere. Those five checks in that booklet is not for fun or for the beauty of it. They are, in fact, regular and official checks accepted and authorized by the American Financial System, FDIC, or whatever it must be. 50% of my new customers are new in the American Financial System, since they come from other countries. 50% of the initial checks I receive from them comes from Starting Check Booklets.

Missing money entitled to me: I signed up for a new account with Bank of America in February. My account was then closed within seconds. The B of A representative claimed she could not provide any information in regards as to why. I was then told that a cashier check would be mailed to my home address within 7-10 business days. However, a month passed and I never received that check. I was then informed that my check was lost in the mail system; in addition to that, I would have to wait 90 days until I could get a new check issued to me. I am well aware that B of A has to pay a fine to cancel the initial check due to the fact that it takes 90 days for that check to expire.

I was using Bank of America website for Recurring Bill Payments for more than 1-year. On January-2012, I went to recurring payment and modified the amount from $XX.XX to $YY.YY dollars and change the date for recurring payment. On February 2012, the bill payment didn't happen and it started happening from March 2012. When I got charged for late payment fee, I questioned BOA why there was no payment for Feb 2012. As per BOA, when I changed the Jan 2012 date and amount, it overwrote the Feb 2012 date. This is really a rip-off. A recurring set-up should happen every 30-days (scheduled frequency), no matter what. Now BOA is blaming the customer for those changes.

We refinanced early 2009, and as a part of it, I got a line of credit. Though the refinance place swore they rarely sold a mortgage, they did; and BofA bought it. We never used our line of credit but paid $75/year to keep it open. Our house was on the market for two years and finally sold. At closing BofA wants $500 to close the line of credit, claiming we had to hold it for 3 years. But there was no penalty for early payoff. If it's not a short sale, BofA works hard to grab any money on the table. This is just wrong, so I am complaining loudly and in every forum I can think of. Do not associate with them if you can help it. They are looking to separate you from your money.

Disreputable, irresponsible fraud department at BOA - I have dealt with Bank of America intermittently over the last 15 years of my life and have never been satisfied with their over-the-top lack of customer appreciation and ease at which they take one's money and have so little care for customers. In every inquiry I have ever made in the past, up to and including my son's most recent inquiries, the customer service personnel talk to people as if they are guilty, bothersome and trash. I have a son who worked for months going through the unemployment process in California, had to appeal his case on his own without the help of an attorney, and won. Finally, after months of living without any income, he received back payment in more than one increment. He had a family court date the week he was to receive the money and wanted to put the money towards his child support, so he obviously made several calls to check on the balance. His card was activated on 2/22 or 2/23.

I applied initially for Bank of America Hawaiian Platinum Visa card, which had a bonus of 10,000 miles. Those were credited to me shortly after making my first purchase. Then I saw an ad on the Hawaiian Airlines page for a bonus of 35,000 miles if you applied for Bank of America Hawaiian Visa Signature. I went ahead and applied for the new card and was hoping to receive my promised and advertised bonus points. A credit card specialist at Bank of America assisted me with the process of applying for the new card. I never received my 35,000 points. During the course of 6-8 months, I kept calling Bank of America and each agent I would speak with kept promising that the points would eventually be posted to my account. I even got a written email which stated that I should have my points shortly.

My parents have a trust account. The CD was placed in the title of the trust. Both of my parents have passed away. I mailed a letter around January 20th, 2012 requesting that they close the CD as it was maturing on January 28, 2012. I have provided them with all of the documents they requested--notarized letter requesting the CD be closed, notarized trust certification (their form), copies of each of my parents death certificates and a copy of the trust.

I was charged overdraft fees for two transactions, each $10.24, with my Visa Debit Card; these were online POS transactions. Bank of America tagged these as recurring, even though I've had no transactions to this vendor for months. And these were purchases, not recurring charges, and they charged me a $35.00 NSF fee for each. They refused to refund the NSF charge for both.

I called Bank of America after I saw that my account was overdrawn by $46 when I hadn't made any activity on my account. I noticed it was a withdrawal from Proactive that I had canceled my order on. They told me they would return my money as a courtesy, but it takes 3-5 days. I called Bank of America right away to talk with them about the illegal withdrawal of my money and the overdraft charges that I will be charged because of this. Bank of America said there was nothing they could/would do until Proactive returned the money. Then and only then they would refund what they charged me. They added that I would have to call them once it was credited back to my account. I again stated that Proactive illegally debited my account after I had canceled the order. I have protection against this. Again, they said they couldn't do anything until the money shows back up.

The online bill pay offered by BofA is tricky and ripe for payment errors and confusion especially if you have more than one account with them. The payment screen is very tiny so that you can hardly see what you have entered in the tiny boxes they provide. You can schedule several payments at once (which is kind of handy) but once you click the button to make your payment, it is immediately sent through without a confirmation page like most other banks provide.

Firstly, last year, I had a problem with a direct roll over into an IRA from Bank of America into a Baxter account. The direct transfer form was submitted from Baxter to Bank of America. Now they have filed a 1099-R to the IRS. This is wrong and now I need to get it fixed. I should not be paying tax on this. This is a lot of my time and trouble because of their mistake. I went to Bank of America last year to get this fixed and they said they did and I have the letter from them.

The customer service of Bank of America is horrible. I went into the Boise Town Square branch and complained that they were horrible. I went online to check my balance, and they closed my account and would not let me have access to my money for 3 business days. I have had an account with BOA since 1992.

You all need to be aware with direct deposit. I had my account overdrawn for two days for $200 this week. I now have had my paycheck direct deposited in the amount of $1,600. Please, not that I have had this same direct deposit for ten years and have been a customer for 20 years. They are holding my paycheck for 48 hours and I have no money nor gas for two days because they are holding my paycheck. How can they do this? It's money that I worked for. I have talked to three supervisors and they refuse to send me on to another manager. Bank of America is bankrupting America. We now can't even have access to the money we have worked hard for. I don't have gas to get to work this morning.

I lived the same thing twice in 10 days. I visited the branch in Alameda to talk to a representative. I waited for half an hour unnecessarily. While I was waiting, even the customers who signed in after me finished their jobs. When I questioned the situation, they made up an excuse and I did not want to take it further.

Incompetent teller supervisor Ms. ** located at the branch in Sumter South Carolina on Liberty St. At 4:49PM on Wednesday, 03/21/2012, I went into the bank to cash a check. I informed Ms. ** that I did not have an account with Bank of America, but the check was written off an account with Bank of America. She took the check and asked if I had 2 forms of ID. I gave her my South Carolina driver's license and my debt card with my bank. She had me to swipe my ID, took about 4 minutes looking at the computer (verified me, I'm sure) and fingerprinted me. Then she decided to pull up the account the check was drawn on to check the signature card. That's when she thought there was a problem with the check. She then consulted someone in the office (I'm sure it was the branch manager). Then she came out and said that the check was not good. I needed to get the customer to issue another check because the signature card did not match the signature on the check.

They stole 25 dollars from me and said I just did have enough money on my account. I can't wait till I'm done paying their ** student credit card so I can move my money somewhere else. I'm not worrying about getting mugged for my money. I'm worrying about bank like Bank of America stealing my money. Bank of America is a gang of thief.

I deposited my tax refund check at BofA over the ATM, because I have an eBanking account which doesn't allow me to conduct business in the banking hall. My wife was pregnant, she was laid off, and we had no medical insurance and she's due over the next 3 days. This is the only one we had. Two days later after depositing the check, we noticed there was still no money in the account.

This is what it states when I'm making a transfer, I copied it directly from my banking site on my account: As a reminder, federal regulations impose a limit on the number of online transfers and certain other types of withdrawals you can make from this account each month. Also, for some accounts an excess withdrawal fee applies to each withdrawal or transfer in excess of 3 per month if you do not maintain the required balance in your account. Please review the fee schedule for your account for information on fees and transfer limits.

My records show that I paid $14,434.80 in interest in 2011. My year-end statement shows I paid only $13,721.63. This benefits the bank and basically screws me, the little guy. How can their math be so wrong and how in the world can they get away with it?

I wonder if the fees they are charging are excessive or illegal. I don't write checks. I use my debit card for everything and I use it as credit to avoid ATM/ABT fees. Also, I do this because I don't want to get in to the overdraft fee game, and I am sure many people think the same way. I found out today, the hard way, that Bank of America can choose what type of purchases (charges) are being made to my account without asking me, thus opening up a way for them to keep my hard earned money. Here is what I was told by customer service; If the Bank of America gets a request for funds from a vendor more than once for the same amount, they consider it a reoccurring debit, and will pay it no matter what the account balance is. Also, if the vendor tells Bank of America that the account is reoccurring, they will pay no matter what the account balance is.

At 11:50 AM, on 3/12/2012, I entered BoA on 745 Main St., Hyannis, MA to wire money to England. Because the single staff person was not authorized to send wires above $5,000 and this wire was for $5,500, she needed the approval department in another location to authorize. Normally, this is given from the other Hyannis location. But that staff person was unavailable. Two hours later, the authorization was received from Fontana, CA. A simple wire transfer of 3,378 British pounds from one of the nation's largest banks took exactly 2 hours, including multiple faxes and phone calls. On the plus side, staff is exceptionally friendly and if one must be stuck for 2 hours in a bank, these are people I would chose to be stuck with.

In 2009, I had an account with Wachovia in Hickory, NC. Being on a very limited income, I spent every penny each month to pay our bills and it was always a close call. I was told that I could keep better records if I used the online banking as it was always up to date. I would go to this each morning to check my balance so that I would not overdraw my account. One morning when I checked, it showed a balance of $15. I had no outstanding checks and all my transactions were accounted for. Later that afternoon, I tried to use my card to get money to do our laundry and it was declined.

First, I need to say that prior to the last 2 years as a displaced real estate agent, I ran a hundred thousand and more through Bank of America with various accounts and have had them for about 15 years. This is not the first time they have caused me great fees or done things for me that has actually worked against me. Within the last two years, I have gotten divorced and my ex took everything, including thousands of dollars (of my earnings), and left me in debt. I have spent that last two years doing whatever I can to get my degree and scrape by as a starving student, literally.

I have a checking account that has 4 auto deposits going into it monthly. I was told that both my checking and associated savings account would not have a fee on it due to these auto deposits. However on my last statement, I was charged a $5 "Monthly Maintenance Fee" on the associated savings account. I called and was then told that if I had an auto transfer made of $25 per month from the checking account into the savings account that I would not be charged the $5 fee.

After closing my small business in 2010, I promptly called Bank of America to close my Yahoo merchant account. I was then informed that I had an obligation to keep the account open until the contract was complete or pay an early termination fee. I was suffering from an illness and was under the impression that I didn't understand the terms of the agreement. This termination fee was said to be $500.00, which I was unable to pay. I agreed to continue paying $37.95 on a monthly basis to keep my self out of trouble. This merchant account has not been used since my attempt to close the account.

When I was a student, I needed a bank account, so that I could receive my monthly allowance from my family. So I opened an account with Bank of America. I specifically asked for an account that would best fit the needs of a full-time student. I was given a checking account without being informed that there was a monthly $12 maintenance fee. This fee not only made saving money hard, especially for a full-time student without a job, but it also caused my account to be overdrawn. Once that happened, I was charged penalties almost every day. The total amount of penalties was about $114.

BofA started charging my mother-in-law "account fees" of $25.00/month, contrary to their policy of waiving charges if a balance of over $10,000 is maintained. She has over $20,000 balance in her accounts. She has dementia, and she is unable to manage her affairs. I called customer service (?) and was told that she would have to call to dispute the charge. She doesn't even know what day of the week it is. Was this done intentionally to increase revenues, hoping it would be overlooked?

I received a check from a family member who has a bank account in a bank of United States, but her primary language is Spanish. I deposited the check to my daughter's account since I have done it before with my own account and realized 3 days later the check has been returned because the person handling the checks didn't know how to speak Spanish and didn't seek for help. Her check got returned to me. My daughter's account is in zero and then they advised me that I was lucky I didn't use the account. If not, I would have to pay fees. So much for customer services.

I deposited my payroll check generated from a very large dealership in Tomball, Texas. Naturally, this was a computer generated check. B of A's policy is if the check is deposited, a larger portion is held for 5-7 business days. However, I can cash the check at the teller window and deposit the cash funds. Bank of America withheld $500.00 from my payroll check and showed it as pending. In the meantime, my rental check was presented for payment. I was assured that the rental ACH would be honored. Needless to say, it was returned as NSF. Bank of America accessed my account $35.00. My apartment complex charged me a $75.00 late fee and a $75.00 NSF fee.

I wrote a check and received a text on 03/07/12 that my account was overdrawn. I immediately notified customer service via phone on 03/07/12. I spoke with CSR Lisa, and she stated that the check was paid and I had time to deposit the funds. I made sure by asking her if the check would be sent back, and she confirmed "no" and that I had time to put the funds in within 5 days; she said the date of 03/12/12. I told her that I would deposit the money today, 03/07/12.

All I needed from a vendor I was dealing with was a letter saying I had an account with BOA, the account number, RT number, and the date it was opened. It is simple, right? Wrong! I was told at the branch where I opened the account, that they could not give me a simple letter like that, because they have no letterhead at the branches, and that I have to call a number and request for it, which would have taken 3 days to get.

Charge on my checking account - The bank started charging $3.00 a month for giving you imaging checks. I don't think it's fair. I keep a balance of several thousand dollars, not a minimum amount. I called the bank and they said it's $3.00 charge for giving the imaging checks and that's it.

Stole my money - I opened a secured credit with BOA because I had filed bankruptcy in 2009. I had to refile and change the bankruptcy status in 2012. Upon doing, BOA closed my account. No problem except they have not put my money back into my account, which was used to secure the credit card. They say it is the law. I asked my attorney who handled my bankruptcy and he said he never heard of it. I asked Bank of America to send me the proof of what they are claiming. They have thus far failed to send me anything. I elevated my complaint to Matt ** at BOA who claims he works directly with Brian **. I can't believe BOA is so desperate that they need to hold onto my $100.

I had sold my house and was living in an apartment for nine months, while my new house was being built. I had asked BOA, in Edmond, OK for a $5,000 line of credit just for a backup if I needed it to finish paying for my new house. I had been with GM in Oklahoma City for 26 years, had a credit Score of 824. A computer turned me down because I hadn't lived at my current address for one year. I was told this a week later. I went to a local bank, had my line of credit in 15 minutes. I did move my checking and savings to that local bank.

IRS placed a freeze on my account on 2/23/2012 and reverse it the same day, 2/23/12. I went in to Bank of America. The money was put back into my account except $100.00. I called Bank of America and the bank refused to give back my money. I have been a loyal customer. I want my $100.00 immediately.

My mom has been a customer at this same bank since 1963. Over the years, the bank has changed names several times. Now, it's Bank of America. My mom received a check for an account that was in my late father's name. We took the check to Bank of America and was told they couldn't cash the check because my father was dead. The account is in my mom's name. But before that, it was in both my parent's name. After my dad passed, my mom put the account in her name. My mom is disabled and cannot get around. For these people at this ** bank to give her a hard time just makes me so angry. If your thinking about starting an account with them, don't. There's nothing America about this bank.

I was trying to close my Bank of America account. I used whatever I had left to make a small purchase at a grocery store, but I had an unauthorized pending charge on the account, which caused BofA to transfer $3.00 from my savings (that's what was left in my savings) to cover the purchase. They then turned around and charged me $10.00 to cover the $3.00 transfer. I called them to let them know that there was something pending that should have not been there and, therefore, I technically did not have an overdraft. They refused to remove the $10.00 which caused me to have a negative $9.00 balance. They then turned around and charged me another $12.00 in fee because I have stopped making deposit into my account that they refuse to close. So now they are telling me that I not only owe them the previous fee but the additional $12.00 service fee for not making a deposit in the account. Again, I have asked them multiple times to close the account and told them I refuse to pay the fee that I should not have been charged to begin with.

I am supposed to be closing on a purchase of a condo in Florida on Friday 02 March 2012. The funds are in my account in Florida. BOA will not allow me to complete a wire transfer as I apparently need to apply for the right to do this in person and it takes 15 days to give a passcode. Problem is, I live in the UK! I have now been told I need to go to any BOA branch in the US, take a passport and debit card and the bank will do the transfer for me.

Recently, I was charged $30 for a simple, one line letter summarizing account totals. I got a really snotty customer service at their Atlanta headquarters when I explained that the letter that I was charged for was incorrect. Plus, I got 4 different responses for 4 different supervisors and managers. Occasionally, I have hit one of their trip wires or need something special and you get huge fees, astronomical interest rate increases along with a "we are Bank of America, you low life". I have a lot of cash, cash that will never go to the Bank of America. I don't like changing banks, but after a few really lousy recent experience, I understand that this bank should never have been bailed out by the government and failed. They failed me, so bye bye Bank of America. Their rates are lower than all other banks in my area. They never resolve problems, but just pass the problem on to others.

First of all, let me start by saying that I am a licensed financial adviser. I inherited an IRA from my grandmother when she passed away. Knowing the laws that concern these accounts, I decided to cash out the IRA to use as a partial down payment on a house. I went to the local branch and presented my proper ID and my marriage certificate since I had recently married. I was told all was good. We were closing on the house and was promised that the money would be received long before it was crucially needed. Weeks went by, no money came. I called and asked if the money had been mailed. It had not, but the check had been cut. I asked if I could pay to have it overnighted and was told no. They had reported to the IRS that it was going this way, not UPS or FedEx. Say what?

My Poughkeepsie, Ny account was garnished and money was taken out based on a judgement in the state of Ohio. It is illegal for a branch bank in NY to remit funds to a judgement creditor based on an out of state judgement. When contacting Bank of America, they told me it was legal and also told my lawyer it was legal, but they were not attorneys themselves. They were completely unhelpful and told me to call the creditor. This has caused me $7,200 and also attorney's fees. They said there was nothing they could do.

They have inept business affairs, and they are extremely rude. Such is the state of banking obviously in the United States of America. It does not surprise me in the least nowadays. In a country of corporate greed and governmental greed, it appears now the trickle down effect empowers banks that have people's money, to simply not care how they treat individuals any longer. I was in the Bank of America today, helping my girlfriend, who owns a business as a very popular jewelry designer in Los Angeles CA. She has has the misfortune of banking with Bank of America for 15 years, and what I witnessed, and first hand experienced is amazing to me. She received a rather large sum of money, that was supposed to be deposited into her business account at Bank of America. The first time she tried to deposit it, she made a mistake by putting the check into her private account, upon which time, the bank sent the check back, through FedEx in two days. There was no problem, it was her bad, her mistake.

Bank of America lost my mortgage payment - On 02/02/2012, I received the notice that I did not pay my January payment. I called my Citibank and they confirmed that check was sent to Bank of America for that account on 01/09 and cleared by Bank of America on 01/11. I called to Bank of America payment research department on 02/07 and opened the ticket # **. I spoke to Bernie who opened this ticket and he told me to fax all documents. On 02/13, I sent proof provided by my Citibank that the payment was cleared on 01/11 by Bank of America. The trace number for that transaction is **. I faxed to 800-595-8797 and called to confirm that they received the documents. Kim told me they did receive the documents and they see my February payment on 02/13 which was submitted the same way as all my previous payments. Knowing they received my February payment, I was waiting for them to fix the issue with the payment for January.

B of A called me on 13 or 14 Feb to ask when I was going to make the payment. I informed them that it would be paid on 22 Feb and would make the payment after pay day. Then on 16 Feb, they started calling me every 1-2 hours (9 calls total). I talked to three different supervisors who said that would stop the calls, but the calls continued to come. One supervisor said they could not stop the calls for over 24 hours.

I just found out that Bank of America denied SCRA benefits to my family during my husband's deployment to Iraq because we didn't apply within 180 days of his orders ending. What's funny is that my other two mortgage companies (Nationstar & CitiMortgage) approved the benefits right away. In fact, Nationstar applied the benefits to our mortgage without us even asking. That's how I found out about the program.

With no one in line, a Bank of America greeter said they don't count coins. There were not many and we have a business account for many years! Banks don't count coins? They were even pre-counted! What, you don't trust a teller on how to count? I left disgruntled...shame on yo!. You make so much money and just because one little thing might take a few minutes, you won't do it. Why even have employees if they can't count!

I have been paying Bank of America for almost 30 years. I made partial payment on January 15, and paid the rest on January 29th. Bank of America decided to return both payments for that month. I received a phone call on February 15, 2012 from Whitney with a number ID *** and Alika, who is a supervisor, regarding notice of foreclosure. I was told that a notice was sent on February 13, 2012. According to them I am late for two months. I did send them the payment of January and this morning I paid for February online. I am not late for two months to receive a notice of foreclosure. I was told that I am late for two months, but their policies said you are late for payment on the 16th of the month. I think this was unnecessary on their part. They are trying to take advantage when there is nothing to take advantage of. I think this is putting pressure on me. I am currently wearing a heart monitor because of irregular heart beat and palpitation. Bank of America is stressing me out. The mortgage will be done paying for by October of this year. I will be done with those scavengers.

I became unemployed and was late paying property taxes. Bank of America (BOA) paid them, then wanted escrow while I was unemployed. I borrowed money to make everything current and the payment made should have made property taxes current until January 31, 2012. BOA continued to ask for escrow throughout 2011. BOA paid my house insurance which I was never late on. I refunded their money to them and have no idea how payment was applied. All my payments have been cashed, yet according to BOA, I'm $10,000 behind. That amount would cover almost 4 years of future property tax payments. I'm unsure as to what my payments are being applied to as they continue to say I'm behind.

I am receiving multiple daily calls from BOA's loan counseling. I have asked multiple times for the calls to cease. BOA has my mortgage but I am not behind. The people that call want to verify my information. I refuse to give any information since I did not request their calls. The calls keep coming.

We received a flyer in the mail from Bank of America. We called and were instantly approved (Oct 2011). Robert ** told us we would be able to close before Christmas. They ordered an appraisal (which was done). We were told it would be $500. However, our credit card was charged more than that without our knowledge.

I would like Bank America N.A. to cancel the PMI on my loan. I called and spoke with Rep Rashad who told me he would have to check in the mail and I would receive it in 10 days. But I received a letter and form wanting me to have an appraisal which I’ve disagreed with before, because the property leased out is worth more than I owe. I paid $34,900.00 for the property and my balance is $19,458.00. I've had the property for 8 years and 5 months. I paid extra for 2 years and more.

I have had power of attorney regarding my aunt’s finances for the past few years. On Nov. 21, 2011 I requested three cashiers checks made out to me under my name per the account holder’s instructions (my aunt). I had power of attorney over my aunt’s account and the bank had its own power of attorney form which we submitted on file. Many transfers/withdraws were made by me per request of my aunt as indicated by past history. My aunt had instructed me to request for the checks under my name for purchase of a residence. After verifying the valid power of attorney form on file the bank issued 3 checks under my name (POA).

BOA paid my taxes twice within five days which left me a negative balance in escrow. I have contacted Warren county treasurer office who advised that they never cashed the check and that they send the check back to BOA on January 30, 2012. I have address if needed. BOA was notified about the check being returned but as of today the 10th of February, they keep my escrow balance negative. I have closed on another loan but BOA can't be paid off until this is taken care of. BOA has even sent payoff check back to Midwest Mortgage. This is costing me money everyday while BOA has no recourse. I have for a week tried to resolve this and they really don't care. Please help in anyway you can.

My grandmother passed away on January 5th, 2009. Two days later, my father went in to Bank of America to close out her account. He was told that it was impossible. They claim that she's in debt. According to them, my grandmother had to pay her pension money back from the month before (seriously ** illegal!). My grandmother had saved every penny she had gotten from her pension after retiring, aside from paying rent and bills. My father has been fighting this for two years. He goes in today to try, yet again, to close the account.

For the second time, it happened to me. I have an account with Bank of America almost 5 years ago. I used online banking to manage and monitor my accounts. 2 years ago, I noticed a $5.99 monthly maintenance fee. I went to the bank, and I talked to the manager. He said to me, "you asked to change your type of account", which I never did. They dropped the fee. Today, I was checking my account, and a $25 monthly maintenance fee was added to my account again. I chatted online with a Bank of America agent, because you can never talk to someone at the bank through the phone. He said they are charging me because I don't keep $25,000 in my account, which no one told me about before. Am I stupid to accept that kind of monthly fee? $300 a year is a complete rip off.

In 2012, Bank of America started charging my savings account a $5 "maintenance fee". Now my balance is in the negative. When I opened my account 10 years ago, I told them I did not want a savings account. I save my money at a brokerage firm that pays a higher interest rate and gives me access to my money through check writing.