Bank of America Reviews

After 35 minutes with a customer service agent, I'd had enough and wanted a supervisor. The supervisor in 'customer support' conceded the fact that it was a misunderstanding but the fine print strictly states that because the bank is technically not at fault, he's not obligated to waive any fees as a courtesy. As a member of 9+ years of BoA, I was floored. He finally agreed to waive one of the fees... despite the second fee inherently being a result of the first fee. I said, “If you understand the order of the postings for these transactions was the culprit, and agree that neither fee would have occurred otherwise, why not waive both fees?” He said, “There's no way to tell if the account would have been negative even if they had posted in the right order.”

I noted that as a banker, this should be an easy process to walk through the 2 transactions, so I did the math over the phone. He again agreed that neither fee would have resulted but there's still no way to tell. Confused? Me too. I explained that many banks would be happy to earn new accounts and I refused to carry a relationship with a bank that squeezes every fee out of me possible. He was happy to grant 1 of the 2 fees back and wished me luck in the hunt for a new bank.

All over $35. A Customer Service Supervisor wishes a decade-long client farewell in the spirit of retaining a $35 fee. This is the level of support you can hope for at Bank of America. I didn't know $35 could upset me so much...

I called them to figure out what was going on and told them the situation. They refused to issue me credits. Now mind you, when I went on my account there was no negative balance. If the overdraft did not occur, there would have never been any issue. But they are inflexible and they have claimed $140 of my money. Now I am not excusing my actions of making my account draw too close to the edge, but I made transactions to make sure this would not happen. According to the account online, it was OK. Even further they did not apply overdraft protection that I requested 3 years ago.

Then to sour my relationship with the bank further, I got three letters in the mail on 2/8 saying they are closing my credit card (and my wife's) and line of credit. Mind you, I have never been late on payments and even pay 20-50% more than what is required. Like Steve of Ozark, MO and many others, we are bailing out these too big to fail banks with our tax money while at the same time they are shedding customers that they deem either too risky or not risky enough.

I had my bank credit card statement with me as I proceeded to explain what I needed help with. She quickly took the statement from me and rudely interrupted me with, "What is this?" I then stopped finishing the reason why I was there and kindly told her it was my credit card statement, and she responded, "Well, you can call a 1800 customer service number for that" and walked back into her office, never asking if there is anything she could do to help or if I needed any further assistance with anything else! How could I tell her what I needed when she rudely interrupted me while I was trying to tell her what I needed! After she walked back in her office, I sat there in shock! Are you supposed to make a customer wait while she helps someone else who walks in after you? And she saw me seating there as she escorted the two gentlemen into her office.

And why is she conversing with me over my account info in a main lobby? Is that not what the teller's office is for, the ones with doors on them for privacy!? This is not acceptable! I'm a conscientious white American! I'm not Spanish! This is America and I speak English. Does this Spanish speaking person prejudiced because I'm a white American? Can you give me a good reason why I shouldn't get a lawyer over this discrimination? As I sat there stunned, I decided to walk myself to her office and asked for assistance! She told me, "I'll be right with you later. I have these two customers." I kindly responded that I needed a supervisor and should not wait any longer for assistance. She proceeded to tell me I will have to wait until she is done with them. I told her I want a manager now, not later as I'm sick of waiting. The manager escorted me into an office and said she is sorry for the other rep's delinquency!

Not much time passed and the rep came into the office I was seating at with the manager and she interrupted me again as I sat there and was trying to explain to the manager! Is this the kind of confrontation I should be subjected to!? This is not professional and unacceptable! My time is valuable. I don't have time to explain myself to a manager while a rep interrupts me! Then the rep said, "You forgot one thing, sir. You did not sign in! You have to sign in to get help." Then I went off on her and responded, "Did the two Hispanic gentlemen sign in? No, they did not! Yet you kindly took them into your office! And where are they now? They're gone! You helped them, yet I'm still seating in this bank and arguing with you!"

Maybe you think this is not a racial issue, but this is not Mexico! And if I sound racial, then maybe you need to send this letter to someone else in the Bank of America department because the facts speak for themselves! There is a racial issue here and I did not do anything wrong, besides have a rep disrespect me and treat me in a way no one should be treated. You have my money in my credit card account and I'm sure the more money you have to play with, the more your bank grows. Is that what I'm here for? To be subjected to having to wait, never be greeted, have to watch someone who walks in after me, after I've been waiting and waiting, only to have them helped, and then be told I needed to call an 800# because she is too busy now helping someone else who walked in after me, only to have my credit card statement taken from me and conversation over for a split second in a non-private area (waiting area), not a nice little office with a door.

I guess that is for special people, people who are not American who speak anything but English! Then to have a customer service rep argue with me as I am trying to explain the situation at hand with a manager! You don't do this! You don't have the rep with the customer in front of a manager especially when the customer gets interrupted! I am to explain myself as if I'm some kid. I guess this kid can take his money out of the Bank of America on my secured card and look it up! See how much more I put on my secured credit card that same day! I might not have a fat account like some, but you do have my money though I'm white and not Hispanic. I'm looking forward to a response soon!

I walked over to a lady at a desk and asked about verifying checks. I showed her the checks. She typed on the keyboard and asked me if I was a signer on this account. I told her, "No, I'm not. I am here to just cash these checks just like I've been doing for a while now." She asked me if I have an account with them. I told her no. She said to me that if I had an account with them, this would not happen. Wow! I am not a stranger at this bank. This is yet another ploy or policy of this bank to direct you to open an account. The first being the $5 charge per check cashed for being a non-account holder. Is this a legal charge? I would guess that in approximately four years at $5 per check, the fees would be around $1,140.00 that I have been charged to cash checks drawn on this business account with Bank of America.

The lady at the desk verified the checks. I asked her, "Do I have to do this every time?" She said yes and stood up. She then walked me to a teller and said she will have this teller take care of me. I asked the teller if this was something new to have checks verified. She stated that all non-accounts would. She also asked if I would like to talk to the manager. Yes, I would like a chat. The teller cashed the checks and at this time, I was calling the business that issued the checks.

Robin, at the issuers of the checks, answered my call. I stated to her that I have been made to wait to have their business checks cashed. She told me that she thought that all issues with this bank was resolved. I then told her this new issue has risen. The first issue was the $5 fee. I told her that I've always been charged a $5 fee per check. I then stated that once in a great while that I hadn't been charged. I then remembered that I didn't get charged when the Merchant Tellers cashed my checks. That would be only less than ten times in all the time going to this bank. I went over to talk with the manager, a Mike **. At this time, Mr. ** was explaining to another customer that this is a new procedure. Robin is still on my cell phone listening to Mike ** talking.

Mr. ** also stated that these kinds of accounts have to be verified due to the increase of fraudulent checks being cashed at this bank. He also stated that he had to fire one of his tellers because of not charging the check cashing fees. Again, wow! Robin, who was listening asked to speak to him. Mike ** said he will not speak to her on the phone. I left this bank after approximately 45 to 50 minutes to cash two checks totaling less than $600.00. My time is worth a lot more than these policies.

I am 48 years, young, single father of three, and I work very hard for every dollar I can get. This bank's policies make you feel very uncomfortable and ripped off. What choice does one have to even try to stand up to this kind of bank practices? I have my reasons for not wanting to open an account with BOA. It's like you have to jump through their hoops and dance a jig to get your hard earned money.

Why would I be charged overdraft when they can clearly see that there is enough money in the account to cover the vendor and other items? If there is something reducing my balance to cause an overdraft, then it should be reflected in my statement. As far as I am concerned, I do not have definitive proof that what is claimed by Bank of America is the truth. I cannot see what they stated to be true as fact. It could have been a made up transaction to cause me to pay additional fees to pay for their bail out.

After a few emails, chats (I have print outs), and phone calls, they refunded me $35 of the possible $140 on 2/4/09. Then I received an email that I will incur yet another fee for the same transaction that caused this whole mess. So they are taking another $70. They kept telling that this invisible hold/reduction of my balance was the whole problem. Yet, I can't see any documentation from them that states this is a fact. It's an invisible transaction that they did to take money from me and say it's an insufficient fund fee. How hard can it be that they can just give back what's mine without the invisible transaction that they claimed happened?

I have posted items in my checkbook that have cleared and have seen these transactions moved to pay a bigger item that came at the end. They have moved items on my account to place overdraft charges first. I received a letter from Bank of America saying my account was one of the ones that my information was taken from. Bank of America is abusing their customers in ways hard to see according to what answers they give. When I saw this happen on my account today, I looked to see if there were any other complaints and this was when I saw all these complaints out there on Bank of America!

What she did do was show me on their internal computer information where it was written there, however, again my question was not answered regarding where it was in writing for the public to see - similar to the brochures they had for banking services. She refused to listen to me and interrupted me when I even tried to ask her why this was not written on any brochures similar to the ones I gestured over to with my hand as we were speaking. Her answer as to why I was charged was because either the tellers hadn't been doing their jobs or my job had been waiving the fees. This left a very bad taste in my mouth as I felt she showed very poor listening skills and was determined to get her point over to me as to why I still had to pay $6.00. I also asked her why non-account holders had to be penalized because they choose to not bank with them.

The point is, BofA has caused me economic hardship by falsely qualifying me as a business-owner, which I never was, with a high income without asking for business proof, and giving me an erroneous BofA business account of $1,800 (which is still open but cannot withdraw funds), just to make me look good so that their agents and the bank can reap commissions and interest by holding my house as collateral. After making mortgage and credit line payments, I have nothing left and have to live on credit cards to survive. I feel that I have good grounds for a predatory lawsuit. Please advise!

I can understand holding half maybe but not all of it. I've talked with branch managers and the risk management department and have gotten nowhere. I have absolutely no money at all. My utilities are going to be shut off as well as the fact that I have no money for food. I am not denying that I haven't been a good money manager lately. However, this is my money and they should not have any right to hold it so long. If I wanted to close my account, I could have that money that day. This is so terribly wrong.

I've been a Bank of America customer for quite a while. I am going through a bad time and have been the last couple of years. They have made a lot of money off me. I am not asking for all of it right now but just enough to live on. Furthermore, my job requires that I have direct deposit. I can't open an account elsewhere because I don't have any money. I don't know what to do. I would like them to allow me to close my account today and go into a bank and pick up my check or reopen it immediately.

In December 2008 I made a payment because I knew it was 60 days past due. They told me that once I made that payment, I would be okay as long as I made a payment in January 2009. On January 22, 2008 I got a card on my front door from a man who is trying to repossess my truck! Immediately I contacted Bank of America and they told me that I'm 3 months behind! I explained that I'm aware that November 2008 and December 2008 were late, but January just became late as of January 11th, and I had made a payment on Dec. 17, 2008. They said it didn't matter because I was delinquent and my account was in repo status. The only way to stop it was to pay the full payment of $1,605 in cash at a branch and they would call off the repo.

I had luckily received my state tax return on Wednesday, 1/28/09, and it was enough to cover it. I went and purchased a cashier's check on Thursday, 1/29/09, for the total amount due on my account which had included Nov 2008, Dec 2008, Jan 2009 and all late fees. Before I made the payment, I was concerned that even if I paid them, they would still try to take my car. So I called Bank of America repo department and requested this in writing. A girl named Rita told me that they couldn't give me anything in writing and it is just a verbal agreement. I know that doesn't hold up and I even called her out on that, but I wasn't the one holding the cards here. They were, so their rules!

Needless to say, I paid what they told me to pay in full and I did everything as instructed. I paid the teller lady, who then gave me a receipt. Then I was told to go to someone at a desk with a phone, where I was assisted by an account specialist Keith sitting at a desk (Brea, CA Bank of America), who made the phone call in front of me to the BOA repo department (which I gave him the phone number to). Then Keith said they would immediately contact the repo people, LB Enterprises, and cancel the repo. I was assured that the repo was cancelled.

On my way out of the bank, I called the repo company LB Enterprises at (714)-899-4000. I asked for Tony **, who was the person who left his card on my front door on Monday, 1/26/09 (who never returned any calls to me after I called several times daily and left multiple messages). I was told by a gentleman at this number that Tony wasn't available as I was always told. This unknown gentleman assured me that Bank of America had just called them and he was the one who had taken the call, and told them I made the full payment and the repo was cancelled.

My problem? Today is Saturday, 1/31/2009, and Tony ** with LB Enterprises (the repo people) showed up at my home 20 minutes after I left for work and was sitting outside in his tow truck while my son was riding his bike with my mom outside watching. My mom approached Tony and said that he shouldn't be there. The account was paid. He was very rude and threatening to my mom, with my son right there as well. Even after the confrontation, Tony sat parked in his truck in front of our home for approximately 20 minutes.

By the way, this bank tries to play it off as if you get your alerts as soon as you go negative. I received my alert 3 days later. Also, I got cheated with the Keep the Change transfers that they have. They say that for the first 3 months, every time you use the card you get the %100 of the change matched by Bank of America. After the 3 months, it's 5% only. Well my first three months I used it so much that I should've had at least $50 for the first 3 months and there after I should've had a little bit more because it's only 5%. I only got $22 for the year; I had that Keep the Change Feature. Bank of America has cheated me from day 1. Thank you Bank of America for sucking so much and making me lose money in a time where the economy is so low.

Anyway, after a long discussion, it ended up that I have to pay the $260 for the next 9 years. This is not the biggest problem. The reason I am upset is after the call; I accepted that I have to pay because I have no proof. The lady called me back and told me she has to cancel my credit card. I asked why and she said, "Because you are in financial difficulty." I said "No, I called because a quote was different from the bill." She said," Yes, but we have to stop your card." I said "Why? I have not been late with any payment, credit card, nor the consolidated bill. I don't even have a balance on the credit card!" She said, "We have to." She never gave me an answer why they have to.

I have never been late, never anything? How can they cancel a card because I questioned a bill? Yes, I fought for the lower estimate I was given, but since I have no proof, I didn't win. Since I fought for the lower, I can only assume that they are nervous. A bank, who themselves got a bail out from the government, does this to me who hasn't even missed paying them. I would like to understand this. How can they do this when I have done nothing wrong?

I was told that my account was being "pulled for review" and that I would receive a corrected statement when it was figured out and to ignore anything else I received until it was corrected. The only thing received was a general letter that I assume was sent to all of the previous LaSalle customers stating something about deferred interest billing differences between the two banks. It made no sense, because I always covered the full interest payment with LS Bank. Also, on the day of my phone call to B of A, I had someone help me get my account set up online, since I was having problems getting their website to let me register.

By late December, I had still not received anything saying that my account had been figured out, and assuming I should have a payment due, I accessed my account online. It said, "Past due amount $0, next payment due 1/20/2009 for $171.88." I paid $200 online on 1/16/2009. I received a statement in the mail, dated 1/14/09 stating that the $171.88 was due 12/20, not 1/20, and was overdue. I never received any previous bill for that amount in the mail and my online account stated it was due 1/20, not 12/20 (I printed the current statement from the web account).

I also received in the mail, an overdue notice dated 1/16/2009, stating that the $171.88 was 23 days past due as of that date. It also stated that I owed $73.54 in "unpaid fees", which I assumed they were trying to charge as a late fee. I called the number on the letter and got no help. I was told that I shouldn't go by the web statement because those weren't correct. I was told I should have called them to get the correct amount if I didn't receive a bill in the mail.

Why would I think I needed to call if the web account stated $171.88 due 1/20, with nothing past due? Again, as of today, nobody has ever contacted me to let me know that my account was reviewed and fixed like I was told in the first phone call. They tried to put it on me and said that it's my problem. Somehow, I was supposed to figure it out on my own and know that what was on my web account was not correct? I have received in the mail from them to date - a bill stating minimum due was $2084, a bill stating min. due was $3526, notice from 12/12/08 stating account overdue $1756 by 18 days, a notice dated 12/13/08 stating overdue $1406 for 22 days, a notice 1/14/09 stating overdue $171.88 + $73.54 unpaid fees, overdue notice dated 1/16/2009 for $171.88 for 23 days late.

I was rudely told on the phone that I missed a payment and when I said I was told I would be notified when it had been fixed by B of A, and was never notified or billed, I was basically told, "Too bad", and two different reps told me that the web accounts are not always right. When I inquired about the "unpaid fees", I was told that was from a deferred interest agreement I had with LaSalle?! This is what really sent me over the edge. They could not explain what it was for and said, "That's too bad - you have to pay it anyway. It was something you agreed to do with LaSalle." I have pulled my contract with LaSalle - there is nothing about deferred interest. I stated that my contract had nothing in it and was told that I still must have agreed to it so I was going to have to pay it. Now, since I am with B of A, my payoff amount is suddenly getting larger, despite paying more than my monthly interest since inception with LaSalle. Nobody knows what is going on there and I don't trust them at all.

Then the customer service rep asked if she could do anything else for me. I said, “Yes, give me my money back!” She said, “I can't do that.” I told her that I would be filing another complaint with the BBB as I had in the past. She said, “Do what you think is best.” I told her that I was told by someone who works for a bank that the CR's are trained to make the customer think they are incorrect about their overdraft fees. She said, “Ma'am, that isn't true.” And I just hung up the phone. This isn't the only time that my son and I have been charged incorrect fees. And yes, someone needs to put an end to this mind boggling chaos! It’s is unfair and unethical. As a result of the incorrect overdraft fees, I have had to borrow money or haven't been able to pay bills because of the overdraft fees.

I have no personal debts or judgments with Bank of America. I don't know what is going on. Please help me. In this economy, this is my life savings. They won’t reimburse the money until they find where it went and the trail ends with Ann **, a back office employee, cutting checks from my CD in her name. Consequences: The economic is the time put into this. The many hours of phone calls and days my husband has had to take off work. I have a nerve disease that is increased by the cold, and I had to go out in the cold weather with my husband to the bank to try to get the bank manager to help us. I experienced increased pain and symptoms for days afterwards from going out in the cold. I also have a heart condition that I have to carry nitroglycerin for chest pains; these have increased. This was my life savings for medical emergencies, etc. Now, there is nothing. There have been many of these types of incidents at Bank of America here in Florida recently.

Since I did not want to carry the money around with me, I decided to put it in this bank so that I could just pay my bills via check and telephone. I put in cash. I received a receipt showing my "available balance." When I tried to use the card after I made the deposit, it was declined. I called customer service. The representative I spoke with did not know why my transaction was being declined. She transferred me to the ATM card customer service line. The gentleman I spoke with informed that there was not a block on the card and suggested I go into a branch.

I went back into the bank that I made the cash deposit. The teller did a little research and informed me that my account was on a credits only status - yet I cannot make a credit or debit purchase. I cannot withdraw money. A customer service rep at the branch phoned their customer service line and was informed that I would be able to withdraw money within 24 hours. I was told by the lady helping me that I could get the money on Saturday. I was furious because I had just made a cash deposit and I no longer owed this bank any money. I had to wait a full 24 hours!

I tried using my debit card at a gas station - at this point, I was almost out of gas and my card was being declined at the Kroger gas station near my home. I called customer service again. The representative could not see what the issue was and again I was transferred to the ATM card customer service. The young lady I spoke with tried doing some sort of override and reset of the card but it was still being declined. I made my way back to the branch that I made my deposit the day before. I was told that the account was still on a credits only hold because I had been overdrawn for so long. So, what is this, a punishment? I no longer owe the bank. I put in cash and the bank is holding it as if it was an out of state check. I live paycheck to paycheck and I don't have anyone to borrow from!

Why should I? I have what I need - it's just that this bank is not releasing it. I need my money! The manager was made aware of the situation and she tried whatever she tried to get me my money, but she could not do it. I was told it would be Tuesday before the money would be released to me! She had to fax in a request of some sort. Tuesday?! I'm not asking for a loan from the bank. Just give me the cash that I deposited; that is all I'm asking. I went the entire weekend without money. I had $15 in my purse and bought gas to get to work.

Today is Tuesday, 1/27/09. At approximately 2:22 pm, I tried to withdraw money at the Bank of America ATM - as I was told it would be available today. I was declined. I went into the bank and spoke with Rekkah who called her customer service line. I was informed that I would not be able to access the money until tomorrow?! This is unacceptable. I cannot go one more day like this!

I have been a customer for over 7 years and never was even late on a payment up until Aug. 08. They had increased my interest rate to 30%. When I called them, they said only IC Systems could handle my case and they could give me no information. My husband and I have a considerable amount of debt due to our business crunch. IC offered me a settlement in which I thought I would be able to pay but after reviewing with my company advisor, I am unable to keep up with the outrageous payments. I was supposed to have my first payment taken out and I do not have the funds available.

I wish I could settle with them but I am not able to come up with over $13,000 within the next 6 months. I have too many other debts that I need to be paying on as well. I called them to tell them that I was not able to follow through with the settlement I agreed on and that I wanted to pay off my debt in full and I wanted to set up some more affordable monthly payment plans. They said that was not acceptable and the only thing they could take would be the first settlement payment. I then again called Bank of America and they could offer me nothing as they informed me it had been sold to IC Systems.

IC Systems keeps telling me that everything they do has to be authorized by BOA. I am sickened by the predicament that I am in but I am at the mercy of the debt collectors. I want to make good on my account but they will not make payment arrangements with me. They just threaten me with court litigation and the continuation of their constant attempts to collect a debt. IC Systems calls us non-stop, weekends, holidays, early morning, late at night. They call with unknown numbers and they do not identify themselves on the phone. They want me to identify myself before they will say who they are.

After calling BoA for one week, I finally managed to speak to someone who told me since this was not a bank error, I would not be given any refunds for overdraft fees. Hmmm, I thought this was overdraft protection. Apparently, this is just a faucet BoA can manipulate to steal from their customers. I regret not closing my account at that time because BoA has just repeated their vile and unethical act again. They have blocked my line of credit of $1,500 without notice and I now have 11 overdraft items at $38 each. I just paid up the entire balance of my line of credit on 1/23/09, so I felt I had OD protection if I needed it. How can BoA get away with these dishonest tactics? Please help!

I was told by the bank that I should not have been able to do this stop payment online and directed to small print in the online instructions which state that you must call a live rep for an ACH stop payment or be charged an additional fee. Since this had not been the verbal instructions that I had been given previously, I was somewhat surprised to find that this was now the case. I even argued that the previous stop payment had been processed online and initiated by BOA with no problem to no avail. I guess that BOA would rather collect the $400 in overdraft charges that this caused me rather than keep me as a customer and fix the obvious flaw in their system.

Fast forward three weeks and I noticed that an unforeseen charge has come out of my business checking account and my pending transactions are going to put me into the negative. So I immediately transferred money into my business checking account and my available balance given is positive. On that note, I used my card for four more business transactions the next day. However, when I checked my online ledger, I am now in the negative because the money I transferred did not post in time, so therefore, the transactions made before and after resulted in eight more overdraft fees. Make sense?

When I called to complain, a BOA representative told me he would credit me as a courtesy four overdraft fees ($140) thereby putting my account back into the positive so that the other four transactions would not be bounced and I would not incur more charges. Nope! The very next day, I'm right back into the negative and told this time by another BOA rep that I should be grateful that they even gave me $140 because there is a difference between pending and posting and apparently, I was not quick enough. Total fees for the month of January between my account and my husband's after the courtesy credits is $377. That's the actual cost of our car payment. Thanks, BOA!

Brad owns a small welding shop in Flint & it's currently struggling, but holding its own. We were experiencing a financial slowdown and in an effort to do the right thing, I called Bank of America on January 10th (3 days before the loan payment was due) to try to negotiate a lower payment. I ended up speaking to Monica. I told her we just needed a few months to get back on our feet - I asked Monica to please see if our payment could be reduced to help us out temporarily. I was adamant that we would pay our debt.

After asking me some questions, she told me to file bankruptcy. I was astounded! I asked her to repeat it & she said, "You need food & heat... file bankruptcy." I kept insisting that we could and would pay the loan back. She said, "No. File bankruptcy." I could not pay the January 13th payment on time, but as I knew we would, we now have the money to pay the payment.

I emailed Bank of America yesterday (1-22-09) that I would make the January & February payments ($1200+) if the $49 late fee would be waived. I did not hear back from them yesterday. Last night, I opened our mail to discover 3 letters from Bank of America; they not only cut off our loan account, they cancelled my credit card & my husband's as well - the 2 credit cards with zero balances! The letters were dated January 10th, the same day I talked to Monica at Bank of America trying to get our payment lowered. The outrageous thing is, at that point, the January 13th payment was not even late. The decision to cut us off was based only on my phone call trying to do the right thing & negotiate a lower payment to tide us over (I need to note here that I did receive a message today that the $49 late payment fee was waived. As of this moment, I have not yet made the payment).

Is this how decent, honest, debt paying citizens with an excellent credit history are treated? It's no wonder the banks in this country are in trouble - refusing to negotiate with a customer who pays on time even when that customer wants to pay back a debt and advising that same customer to file bankruptcy. Then, in an abrupt, prejudicial slam, they completely cut off all credit in spite of a flawless payment history and excellent credit. What, if anything, can be done about this travesty? Thank you for your consideration.

I contacted the bank hoping for some resolve. After being transferred seven times and being told that each person could not help me, I was finally transferred to the claims dept. Well, after speaking with a rep there and becoming very frustrated at this point, I finally spoke with a rep that assured me that they would help me. After spending, no kidding, almost 3 hours on the phone, I was then told that the charges would be overturned. The funds were returned to the account. We were told that it may be temporary, however was assured that we would get an affidavit of fraud and that once this was received that the situation should be taken care.

Having some legal knowledge, once the affidavit was received, though it did not state that it had to be done, my husband and I completed the form and realizing that this is a legal document decided to have the form notarized which was returned to claims via fax and confirmed received by the claims dept as well. We were also told by the rep that there would be an investigation into our claim and we would receive paperwork with the outcome of the investigation(?). Well, in the process of filing our claim, we ended up moving to a different address. Mind you, we did notify the bank as well as the claims dept. of the address change, seeing how we had not received any paperwork concerning the investigation and did not want to miss the opportunity of reviewing the results of this so-called investigation.

This claim has been filed mind you in Dec. The bank had been notified of our move in Nov. Well, to make a long story short, we did not receive any paperwork as promised. When I contacted the claims dept, Jose who was supposed to be a supervisor claimed they never received the address change. They then stated they received it but it was in Dec. which was not true. Then to make matters worse, we had some payments that had to be made. Like anyone who has direct deposit, we were expecting the funds to be there. Why not? It was almost payday and without our knowing the so-called temp refund was overturned. No funds in the account.

And wouldn't you know it, not only did they place our account in the negative, but we are charged several overdraft fees in the process. After speaking with the rep Jose, I was told to file a police report and that they would resubmit the claim for review. However, given the fact that we did everything that they told us to do regarding our claim and the fact they have not done anything that they said they would up until this point, I seriously doubt that it will be resolved correctly on their end. I told my husband the situation and planned to file a police report, and if need be pursue it legally as well.

Because when people go to work, they expect a check for their hard work and be able to pay their bills. What they don't expect is that when they need their money, the same bank that they have entrusted with their funds is going to overturn deposit with no funds and charge you an overdraft fee for them overturning a deposit with no notice. If anything, I would say that Bank of America is a prime example as to why most people do not trust banks with their money and would opt to receive a paper check. After this experience, I think it's safe to say who really needs to be investigated for fraud.

Well, I continued to use my bank account normally, make more transactions when needed, knowing my balance. But Monday came and my account ended up in the negatives by about $10. I immediately called BOA, and they had said it was because the $32.90 posted above all else, and all other transactions were put in largest to smallest order. What was the $32.90? Well, it was from the closed account with a negative balance. Yes, the one I had closed for identify theft. The customer service representative said that they sent papers that needed to be filed within 60 days and were not, so the $600 identify theft problem was mine now. I have lived at the same residence and never received any papers. When it happened, they had stated everything would be taken care of. But now it was too late. There was nothing to be done about the $600 or the $32.90.

They stated that because of the negative account, they could take money out of my account any time it had a positive balance until the debt was paid off in full. Yes, it is legal. And no, I can't do anything about it except find a new bank - which they politely informed me would be hard to do unless I paid the $600 because it would be on my credit. To make matters worse, the way they put the order of my transactions - I received six, yes, six overdraft fees of $35 for a total of $210. When I called to ask why I received all the overdraft fees for the $35 when my account had funds, they had said they do not put the transactions in the computer by date, but by amount. They never went into specifics about this, but the funds were not refundable, and "You have to keep track of your transactions to avoid this again."

The extra $210 had to come out of my direct deposited that I could not cancel before the next pay period. I cancelled my direct deposited and opted to cash my check in a check cashing store until I paid off this $600 for a new account. However, I received a $100 personal check during the holidays and had to use my Bank of America account. I decided to deposit the check and transfer $90 over to my PayPal account immediately and had used $10 for gas. However, during the pending period for the PayPal (3-5 business days unfortunately), BOA imposed a $4.95 monthly fee - the first time I had ever received this since my savings account ($3 monthly fee) was transferred to a second checking months ago. I had never received any monthly fees since the savings.

The $4.95 made the account go into the negative, of course. However, I received the two overdraft fees and the money was never transferred to my PayPal account because of insufficient funds. Therefore, subtracting the $70 for overdraft, the $10 for gas, and the $4.95 in “monthly fee”; my $100 was now $15.05. Needless to say, I have since closed my BOA accounts and received a new bank account even with the $600 on my credit. I will never use Bank of America again, and everyone should be warned about this.

So these temporary refunded charges had my available balance in the negative. My actual balance was not in the negative. While the available balance was negative, two other small transactions cleared. These two new transactions did not put my actual balance in the negative, but since the available balance was negative, I was charged $70. I asked if there was any way to prevent this in the future. There is no way for me to know if these holds have been placed on my account and I would rather have my card declined than be charged $70 for less than $20 of purchases. I was unable to obtain any help in this regard or get my fees refunded.

Why is this bank asking if we have such protection when it obviously does not work? Might this survey simply be a scheme by which to obfuscate the bank's own device to scam, under false pretense of having offered a service, the customer out of the fee while pretending either a) not to know of the customer's election for the service or b) that the service is, or should be, in effect for the account but something seems to be wrong with the bank's records/system in either event netting BofA some quick extra cash? Any small business pulling such a stunt would be likely done for misrepresentation or fraud by Cal DCA. (Oh, you did sign up for our special coverage? Too bad it didn't work, sucker.) I'm going to the authorities over it next.

I filed a claim with Bank of America to try and retrieve the stolen funds immediately after the theft was discovered at the end of September 2007. Because the theft was not reported within sixty days after the fact, Bank of America respectfully denied the claim. At the time, the theft was discovered my aunt was recovering from surgery, both of her legs had been amputated a week prior due to her diabetes. She was also showing signs of dementia during the summer of that year. My aunt's lawyer was immediately contacted and notified, and proceedings began against both Bank of America and the assisted living facility where my aunt resided. I was told by the lawyer involved that he felt confident of an out-of-court settlement, but now a third party defendant has been dragged into the case, this more than a year after legal action was initiated.

My aunt had no children, no family at all with the exception of myself. She lived in Pennsylvania, I live in Michigan. My aunt's health was very problematic at the time of the theft, her suffering from diabetes combined with the onset of dementia made it impossible for her to understand or deal with what had taken place. Bank of America needs to acknowledge this and respond appropriately. My aunt died the end of October 2008. What assets she did have were turned over to the nursing home where she lived until the time of her death. It is now up to me to pursue this action to its eventual outcome.

So this month I made the deposit with a teller, as suggested. The money showed up in the available balance 24 hours later, so I paid about $400 in bills. Later that same day, which was 1/9 (Friday), they placed a hold on the deposit and pulled the money out of the available balance. I know the renter very well and I stopped by to ask him about the check he had written me. He showed me online. His bank account had over $18K in it! So why is BOA placing holds on accounts? For the fees, of course. I went to the bank in Plano at Independence and Custer and spoke to the Branch Manager. He said he may release the hold on Monday. If they don't, I'm closing my 3 accounts and moving somewhere else. No one at this bank gives a crap about the customer!

Since providing BOA with death cert and the newspaper announcement, they insisted that my mother (age 73) is responsible for the debt or a lien will be placed on her home. Yet, BOA will not provide us with a copy of the signed contract and the interest is still incurring. What recourse does my mother have? I've checked every website trying to find a state of Maryland statue on this. BOA branch manager at the New Hampshire avenue location has not been kind but she is only doing her job for her employer. Could someone provide any assistance or information to me?

It is all about how much money you have invested with them and how much money they are making. If you have under $10k at any given time, your score will be low. They get nasty and rude and when you try to complain and talk to a supervisor, they are even worse. It does not matter. All they do is look at Retention Score and they can say/do just about anything they want to. This is great customer service.

I have several accounts with them, and they charged me 4 ODs. When I called them, the supervisor, was so rude that I told her I wanted all my accounts closed. She then replied, "Sure, no problem." Well, long story short, after closing the personal accounts, I then proceeded to put my fiance on the phone to close our joint account. She (supervisor) told my fiance the same thing (no problem). But then is when it got kind of funny. When my fiance then told her she also wanted to close her business account, she was told they did not see one. That was because it was under business and that's where we kept most of our money. That's when something must have been seen, because the supervisor started to backtrack. She was apologizing and trying to keep us from closing the accounts. This was a Saturday, and Monday morning we had someone from BOA call us literally begging us to stay.

We have moved our business account to Wachovia and I am very happy with them. We did keep one account with BOA, but I am very careful with anything I do with them. My advice to anyone who has a BOA account, switch banks if you can. You will see a difference in customer service with another bank (especially Wachovia).

I contacted customer service and asked them at this time who I could report this to. The lady on the phone told me that Bank of America is a private company and does not answer to anyone. There is nothing I could do about them taking the money and they are keeping it.

Well, I think they must have a class of how to be rude and condescending to customers because everyone who has answered email, everyone I've talked to on the phone and even the manager at my local branch are rude, unhelpful and just plain ugly! No one via email, phone or in person can answer that one question for me. I have email alerts that say the overdrafts occurred a day after they charged me overdraft charges. They stated my first 5, yeah 5, overdraft fees were due to transactions that occurred on 1-5-09, yet in my email alerts, it specifically states those overdrafts occurred on 1-06-09. On 1-05-09 online statement I have, my account is not overdrawn. So on 1-06-09, I logged on and saw that my account was overdrawn by $142.21. So I immediately went to the bank and deposited $300, which at the end of the day, I received an email alert saying my account balance was low, after depositing $300 and only being overdrawn $142.21. Hence, all five overdraft fees were taken from my account on 1-06-09 for so called overdrafts that occurred on 1-5-09, but didn't show on my online statement.

So on 1-07-09, I checked my balance online and my account is overdrawn now by $41.10. So my husband went to our local bank and talked to the manager who stated that the transactions that caused the five overdraft fees occurred on 1-5-09 regardless of what the online bank statement showed. So my husband fought with him for a while and then he asked him if he went and deposited money into the account right now because it's overdrawn $41.10, would he still be charged overdraft fees? The manager said yes. So it doesn't matter if you deposit money into the account or not, they're still going to charge you overdraft charges. And with regards to customer service telling you to do the email alerts, I never got any email alerts on 1-05-09 showing my account was overdrawn. I got one on 1-06-09 showing the transactions that had gone through and caused my account to be overdrawn. The manager also printed out a transaction history which showed what the online banking statement shows you and what the actual bank sees themselves.

Let me tell you it's two different amounts. The online banking showed we were in the positives and what the bank goes by to charge you overdrafts showed we were in the negatives. How can they go by something different than what they're showing the customer? Is it not our account? Is it not our money? We should be able to see what they see so we can stop those overdraft fees from happening. On 1-06-09, I was charged 5 overdraft fees on 1-07-09. I had three more things pending on my account that once again threw my account into overdraft. On 1-08-09, three more overdraft fees were charged to my account. Today, 1-09-09, I have three more overdraft fees which threw my account even farther into overdraft and two pending transactions (one which is their charge of $8.99 for some privacy assist crap I don't use) which will incur two more overdraft charges of $35. They just haven't put them pending to my account yet. So my account as of today is overdrawn by $317 after depositing $300 three days ago which would have covered all the transactions minus the overdraft fees.

As of today, 1-09-09, they have charged me 11 overdraft fees, credited on overdraft fee which leaves me with 10 overdraft fees that total up to $350 and that's not including the two overdraft fees I'm going to be charged for the two pending transactions. This is a bit ridiculous. There should be somewhere else we can go with these issues. I simply want to know how they can show the customer one balance online but they go by some other balance secretly and charge you overdraft fees. I have a copy of the transaction history the manager printed out and if everyone saw it, they'd be going to lawyers ASAP! I have copies of my online bank statements everyday from 1-02-09 and emails, and the transaction history that came from the bank so maybe someone, somewhere can help me get my money back. I don't mind paying for the items that shows on my online statement, that threw my account into overdraft but I am not paying for some bogus crap they go by unbeknownst to me!

I checked my account when I returned from the bank, only to find that the 2 transactions from Saturday 1/3/09 and 2 overdraft fees in the amount of $35.00 each were posted and there went the money I put in for the automatic payment for Friday. When I called them Friday to decline the automatic payment that was to come out, they told me there was a $30.00 fee. Now I have another $35.00 overdraft along with the automatic payment coming out. I was unaware that a cash deposit on a Saturday would not post till Monday as they told me they do not have to tell all customers that when they make a deposit on Saturday. I asked them, “Do you really think I would use my card for a $2.00 transaction, only to be charged $35.00 if I knew this would happen?” Also that all transactions do not get posted till Monday. So they did not go in the order that the transactions were done and took out the highest of the three transactions first (the last one before the other 2 in order to take 3 overdraft fees instead of just the one).

Fast forward to today (1-8-09), I have had $280.00 in overdraft charges that I feel my acct. should not have been charged. I called the customer service # after they released the money and I was informed that it was not a bank error and they would not credit the charges I incurred. She suggested I go back to the bank to see if they could help me. The lady who helped me in the beginning spoke to her manager and I was told they could only credit back $100.00. I was not happy with that answer, so she went back to her office and then came back and told me they could only credit $210 of the $280 they charged me because I had pending charges after the deposit was made and there wasn't enough $ in my acct. to cover them. Now, if you look online, the $ was there.

Bank of America has terrible customer service. They always find a way to charge you with whatever fees they deem necessary. After all my charges are run through my acct., they will no longer be my bank.

I am extremely upset at being robbed of $350 from an institution that I trusted with my large deposit only to find out in the end they have no intention of helping me in this matter. I have been told several different things by different BofA employees as far as how to keep track of my account balance. I was told not to use the online banking for a correct balance. I was also told not to use the statements I receive from the ATMs. I was sent a check register by a BofA supervisor and told to use that.

This time, due to further reduced interest rates and my job, I requested that they reconsider. Denise referred me to a Debt Management company that they work with, with telephone number 1-877-357-6309. I told her that I did not want a negative reflection on my credit and that this would show negatively; it’s just the same as filing bankruptcy, and that was why I was trying to negotiate with her. I begged and asked her not to do this as it will be detrimental to my credit score. She said that she was protecting her bank. I asked her how have I been irresponsible with any of my accounts, and she said that it was her opinion upon review of my accounts that she based this on. I had over $2,000 in my checking accounts at that time.

She said that based on my statements about bankruptcy, she closed all my accounts, all four of them, two of which have a 0 balance and one of them with only $1,000 out of a $7,000 credit line. The only high one was my unsecured credit line which I have been paying $500 every month since 2007. This has now eliminated my debt ratio and lowered my credit score to the point I can now no longer apply for a refinance on my home.

Needless to say, I hung up the phone and went into a branch office to complain as well. The representative in the bank stated that he could not do anything because I didn't have evidence of what I saw online and what I got from the ATM printout were different (yes, that was my fault, I thought to myself, but why do I need to make print offs?). Well, needless to say, I have been out of $50 - $100 at random times and cannot get my money back. It has not happened since October, but it happens in 4 -6 month increments. So, whoever is doing this or whatever is happening, they know what they are doing because of when the money is being taken out. It’s just enough to not raise any flags, but only with the unsuspecting BOA customers. And then, they’re being made to look like fools when they complain. I am continuing to have $50 - $100 missing from my account in random months. When that money is being dependent upon to make sure my bills are paid, I had to cut things because I don't account for the money to come up missing.

I was told that since it was an out of state deposit (cash), it had to clear. I asked, "How was I able to see it if it wasn't cleared?" The not so pleasant Rep proceeded to tell me that what I viewed in my account was only temporary and that not only is the money not there yet but it will not be credited back to the date that the deposit was made. So basically, they ripped me off and purposely hold money in order to charge fees. When I told him that BOA had just lost a customer, his reply was, "Can I help you with anything else?" Some customer service, I'm closing my account!

How can they possibly have me pay $140 over my payment and not cover insurance and late fees each month? This is outrageous! I will be faxing proof of insurance next week to fix that. However, I have had this car since 2005 so why are they breathing down my neck! I want my account looked at as I believe they are mishandling my payments and none of my payments seem to be applied to the principal except for about $100. Out of $500 a month and car payment is $365. Something is wrong here and I need help and don't know where to turn. I truly believe there is something very wrong with this loan and their tactics.

Consequence: Emotional depression and constant exhaustion from the rude and humiliating phone calls from this company and their threats.

I try that route again. I get some CSR in another dept after 10 min. on hold only to be told that is not her dept but that I should fax the paperwork to them at the same # that I used a month ago. I write my phone # on in 2 uppercase letters. Still no response. I think that I could get the President on the phone easier than Wachovia lien, levies and garnishment dept!!!!!!!!!!! It's been over 3 years since I won this judgement in court and I still am no closer than I was on day #1. Are these people in some underground bunker protected by armed guards or something!!!

I asked to refinance, as both my wife and I have over 800 credit scores. I was again told NO. I even offered a Deed in lieu and to lose the monies I had already invested. No to that option too. I asked several people what option I had and was told, and I quote, "Sir, it sounds like you don't have any options. Just let us take the lot!"

I just recently spoke with Amanda in the law offices handling the foreclosure, and she also said that refinance, extending the loan, or a deed in lieu were not options since the loan was a balloon loan. It sounds to me like Wachovia is looking to run to the government and say "Look at all of these bad loans we have, give us a bailout!" When in reality, they are not giving people any options! I have never in my life missed a payment or been late, and wasn't even having a problem making payments...Now I, too, face foreclosure!! I will lose over $40,000 we invested in this lot and have bad credit, just because Wachovia is a big bully!!!!!! I hate this bank!!!!!!!

I've called a bank rep, and a bank officer on these issues on MULTIPLE occasions and have been told that I don't understand Wachovia's FLOAT period... and that they couldn't figure out my account either! They have refunded SOME of the fees, telling me that they're doing me a favor. I would really like to know why a class action lawsuit has not been established to pursue this nationally.

Not only have they cost me several thousand dollars, but they've cost me in time pursuing the issues with their unsympathetic customer service reps, loss of revenue due to delays caused by my account being pushed into the negative by their fees. They have not only ruined my reputation as a solid businessman, they've caused stress beyond belief!

A property management business is basically money in and money out. Previous to dealing with Wachovia, we had TWO checks bounce in 5 years! Wachovia's processing of deposits is definitely a moneymaking scheme, which has LOST accounts for me and has made my customers lose confidence in me!

I called them on December Tuesday the 23rd and I talked to a lady from Wachovia named Kathreen who said she would keep in touch with us to let us know if a program has been worked out. Well, she never called even after telling her we were making a payment on December 26th. We made that payment which only put us only two payments behind. They took another payment out of our checking account on December 30, and now we are totally broke.

I went to the branch and the lady there contacted the home office and told them the story but not before being transferred 5 times to different people and finally getting to the right one. They finally confessed that it was their fault, but they would have to do a wire transfer which could take up to four or five days. I told my helper they took it out fast enough they could put it back or cut me a check there in the bank. "Oh no, we can't do that," said Lupe ** of the home office. Then he tells me this, out of the blue, "we can give 400.00 of the 952.00 back and then your new payment plan will be 1372.43 a month starting Jan 1, 2009 or give you the full 952.00 and we will drop the program with you, by the way you can't do anyway, and we will never work out another plan again with you!"

To me that's a threat! And not working with people as they say they do, look at all the complaints online they have. Now we are totally broke, no money, for at least 5 days and they expect us to take this lying down! Where in the world, are the people that are working with us common people. They can just walk all over us and fly off in their jets laughing.

I used the card because they never told me the deposit didn't go through, and the usage was over the weekend when I had no idea. My balance was still well in the black. When I asked why they didn't call me right away, she said they don't call customers for security reasons. They send notices in the mail and by email if they are on online banking (I am). When I said I have an online account, but didn't receive any alerts, she said I must not have enabled alerts. I told her that I would be closing my account, and she made no effort to apologize or to save my business. It appears BOA is now in the business of increasing profits $35 at a time. These posts indicate a willful and calculated system of extracting $35 fees out of people.

Finally got a live agent on the internet (they don't have phone service on the weekend). She said my account was switched to Advantage checking on 12/22/08. I didn't switch it, nor did I receive notice about this. The only authority the agent has is to remove the charge and switch the account back like it has always been. She said she doesn't know why or who did this. As others have said on this forum, BOA must be having some hard times. This is shady and illegal. Whatever happened to NOTICE? Watch your accounts people.

Since I caught this fast and the $20 was returned, only time was lost. However, because I maintain a very low balance on purpose, this recurring and unexpected charge could have triggered overdraft fees of which I would not have been aware. I can certainly see how people who do not bank online and wait for monthly statements could be tricked into overages by BOA. People may say, well, bank online, then. That isn't an option for the poor, most elderly, and many others who are just not computer savvy... millions of people.

Well it wasn't enough. Because when they charged me the $175 in fees, it caused my account to overdraft AGAIN - resulting in two more fees. In total, I was charged $245 in overdraft fees. HOW CAN THEY DO THIS TO PEOPLE???? How can a company get away with this? I spoke to a representative on the phone that was condescending, rude, impatient and patronizing. I left in tears, hopeless, as he told me to give up because anyone else I spoke to was going to say the same thing he did - that they wouldn't correct the charges and that it was my fault. He advised that I read my banking paperwork to realize that the mistake was entirely mine. How can I have so many accounts with an institution, consistently refer them business and still not be able to speak to anyone who can offer me some assistance or COMPASSION? I am outraged and wish to cancel all my involvement with this organization. Do not do business with a company that does not respect or help their clients.

Our account balances have been dropping quickly and steadily since he's been out of work, and with incurring high medical bills (surgery, chemo, radiation, etc) along with my recent job loss, we can least afford any unnecessary expenses or bank charges at a time like this. Because our accounts have been steadily draining, I needed to make some account changes. I visited the branch several times last month to discuss my concerns about my accounts, but the wait time to see a bank rep was always longer than I was able to wait (a minimum of 45 mins or more) and was always encouraged to return to talk when it was less busy for them. Unfortunately, before I was able to ever get the help I needed, I was called out of town a family emergency. The fees incurred while I was called away caring for my seriously ill and elderly mother.

As soon as I was back, I went to the branch to ask for help but I was turned away and told to call customer service. Customer service on the phone told me they could not help and to go to the branch. I spent hours on the phone with service representatives, one who did a lousy job of holding back his laughter and was sarcastic and giddy with me while I explained the hardship and dilemma I was facing. My experience under the circumstances with this bank employee was traumatizing. It's ludicrous (not to mention cruel) that the bank will not forgive these fees that would never have occurred had they had the time and professional courtesy to service my accounts when I required the attention to avoid these fees.

I made three trips to see a customer representative, but they were always too busy to help me. Now, especially at a time like this, two days before Christmas, dealing with a terminally ill husband and seriously ill elderly mother, the least of what I can afford is the undue stress. What adds insult to this injury is that I maintain a small business account with B of A as well. A sizable unauthorized withdrawal (presumably bank error) occurred on this account recently, and it took days to correct it, causing me a great deal of stress and inconvenience. I just can't believe the arrogance and insensitivity of bank employees who are allowed (or perhaps encouraged?) to fail to serve their customers properly, causing them additional stress and financial hardship under these circumstances. Had I not been an understanding and patient customer, back before I was called out of town, I would not have incurred these fees. Now that I'm asking for the same from them, this bank is turning its back on me. OUCH!!! Merry Christmas, Bank of America.

Next day in morning, I checked my account again. I was hit with 2 overdraft fees and now my account was negative. The original amount from the 1st transfer. I was so mad and I didn't call because I knew nothing would have been done, so I sucked it up.... but it has been bothering me. So today, 12/22/08, I decided to called B of A. They said there was no error from their part. So they did not refund the fees. Of course because I had no proof they didn't do nothing. That's why I'm posting this as last attempt to see if anyone out there is having the same problem.

So today, I'm going to start printing my transaction history at least 3 times a day EVERYDAY (am, afternoon and night), keep record on paper so when this happens again, I will let them have it and possibly file charges. I will have to waste paper and ink but I will catch them once and for all!!!! I have had nothing but problems with them these past months and I'm getting really tired. P.S. I have another similar situation that happened to me about 1 1/2 months ago. I'M SICK OF IT!!!!!!!!!

I called and they said, "It's in the mail". I received it 2 weeks later. It was at this time I canceled the card figuring at least they could play any more games with me. I was wrong. Today I received my statement and I have 2 balances... a 5% promotional which didn't change and the purchase which has now dropped to.. .21%. Having closed the card, I thought it was odd that the 21% balance had gone up. I started pulling statements and with NO Purchases... the balance was rising about $300/month. I called and after about 25 mins, I was told that my monthly payment (averaging here) of $500 goes to the lowest interest rate first (I knew that).

My avg monthly interest amount is $300. Of that... $5.00 is for the 5% balance, the rest is the 21% balance. When they take my payment, The total amount of the $500 goes to the 5% account which is the $5 of interest and the rest to the balance. NONE goes to the interest that is being charged on the 21% account. So when you see your statement of $300 in interest, every other card I have pays the interest with in and the difference goes to the balance. Not with BofA. They are taking the 'outstanding' interest on the 21% balance and applying that to the base amount owed. This has averaged about $300/month for the last several months of statements I pulled. That means they are increasing my balance via interest which they then charge interest on that that new balance.

THEY ARE CHARGING INTEREST ON INTEREST!!! I will point out that they will not call it 'interest' (though the rep I spoke with finally admitted it was interest). They called it 'Finance Charges' and 'yes' they do charge finance charges on finance charges; perhaps the loophole... semantics. I will not stop accruing finance charges that I will accrue finance charges on until the 5% balance is paid off which is luckily soon... but until then... that will give them another $600 plus interest on that. While I accept fault for not noticing this earlier, it obviously would not have made a difference in their practices. I can't believe this is legal.

I am so glad I recorded this conversation because I will not rest until they pay for what they put me and my family through.. You think the people on wall street are crooks.. Bank of America should be put out of business for the way they treat customers... I am sending a copy of the tape to the banking dept and the attorney general's office and the money that I was going to give B of A I am going to use to bring that little ** Kieth and his superiors to court!!!!

Then I called the Office of the Chairman and they were not only not apologetic but told me once this case has been delegated to someone (who clearly doesn't have my best interest in mind) that there will be no one else to speak to. I am taking them to court because they have no regulatory agency I can report them to and usually a judge will side with a small person if they have proof. Sorry for all of you who have to be treated in a criminal manner by this bank. I hope they get what they deserve.

When you are already frustrated, the last thing you want to hear is we highly suggest using a register... Oh my gosh, are you kidding me, because they are raping the consumer. Now they are directing us back to a manual paper register - when they encourage the use of online banking by offering perks. Needless to say, I am tired of Bank of America's tactics and unfortunately we are helpless. I'm looking for a good Federal Credit Union, so we will be treated with respect like a good, long-time, customer should be instead of being talked down to, like we don't have a brain cell working and that we are out to screw the almighty Bank of America. After all, there is NO WAY they could possibly know what our intent was...or so Steve said... look at an over 10-year history and get a clue!

They are legally allowed to hold the deposit, I know, but I have never seen them insist they will do so for the maximum legal time period involved. My advice: given what is happening consumers should ask BofA how long they need your money before they will give it to you BEFORE you make any deposits! I think they should have disclosed the hold before they accepted the deposit and not doing so appears to me to be a form of theft (us giving BofA a loan of our money without our permission). Watch out for BofA -- something very fishy is happening there this week.

Suddenly, there is a $32.48 debit from my account that is pending, and it just says 'debit/hold' so I contact the bank and they say they have to wait for it to clear. When it clears it says it's from a 'forced closed account' and Bank of America says they are authorized anytime your account has a positive balance to take out the money owed! Not only that, I had about 10 pending transactions from over the weekend, and some PayPal transactions (which don't show up on my account for about 3-5 days) so my account went into negative. I tried to take money from my other checking and put it in and for a day it seemed fine. Then, after the business day was over, I was charged with two overdraft fees.

Now, I've been on the phone with about five different departments at Bank of America saying I need the transaction code provided back in 2007 in order to fix or even make a payment arrangement for the closed account- and I have to eat the $70 overdraft fee caused by the $32.48 that came without any warning. Every department tells me I need a new department on the phone, and I'm pretty much getting the run-around.

On 11/18/08 I received and email indicating my application was being processed. A couple hours later, I received an email indicating the application had been denied. I immediately contacted the number on the email to find out what the problem was. After speaking to the customer service rep, she indicated that something was missing off of the application that someone could have easily contacted me and verified. I spent a half hour going over information with her on the phone about me. She resubmitted the application. On a few hours later, I received another email indicating the application had been approved and I should received my account documents and information in the mail within 3 to 10 business days.

On 11/22/08 (Saturday), I received all of the banking info, a pin number for the account, the check card, signature cards to return etc. I spoke with a representative online chat because I was confused about the PIN info they provided and also because my name was not complete on the card. She told me I would have to contact customer service during banking hours, which meant the upcoming Monday.

On 11/24/08 (Monday), I contacted customer service to inform them of the name correction, also to inquire about the co-applicant bank card and I was told to contact the risk department because the account was being closed. I called the risk department and asked the rep what the problem was because I had been sent all of the documentation including the bank cards and his response was BOA has the right to close an account without any given reason or notice just the same way a customer can close an account and not inform them as to why. I clearly indicated to him if there is a problem, how can I fix the problem if I do not know what it is. Was it Chex Systems or something else.

So unsatisfied with his rude response I drove to a local branch. A personal banker then called the same number I was given and they told him the same thing. Again unsatisfied, I went home and tried several times to get an answer, by now it was after normal banking hours. So I then went back and contacted the application department. I spent about 40 minutes on the phone with a representative who was actually really nice and took the time to investigate the problem. He informed me that myself, but mainly the co-applicant had to go in and show proof of identity and residence because they may been a victim of identity theft. I was informed this information was on some kind of system that only BOA uses called the Merlin System which basically is a legalized hacking system. Of course, once this information was retrieved it was now after banking hours and I would have to wait until the next day.

The following day, myself and the co applicant went back to the branch and gave them the information that was provided to us. The personal banker once again contacted the risk department and gave them the whole story and the risk department told him that it was too late to submit any information because we missed the deadline which was the day before.

If you notice, I did not indicate that I had to complete any of this by a deadline because I did know there was a deadline, which was the same day the account was closed. And I would not have known about the closure if I had not called to inquire about the check card and the completion of my name. I was then informed that since I missed the deadline I could NEVER open an account with BOA again. However, the rep that provided me with the information and told me what I needed to do, told me that I could reapply and open and account with just myself and once my co applicant can correct their information, just add them to the account.

It isn't that I need the account because I do have another one, it is the principal. BOA did not want to help, I have spoken to several rude people and just the same today. After contacting the application and risk department today to inquire about the deadline I knew nothing about again I spoke to a rude women in risk named Pam who told me that when I went into the branch they obviously weren't willing to stop the closure because the branch manager can override a closure and since they didn't do that when I went in on the 24th to get answers, I can never open an account with BOA once I have had one closed regardless if the reason for closure had nothing to do me.

These rudeness of customer service is beyond anything I have ever dealt with. Pam clearly informed me that they can close an account at any given time and they DO NOT notify the customer of closure. I presented a scenario that if someone balanced their checkbook and wrote checks to pay bills or whatever knowing they had available funds but BOA closed the account without notification and therefore all the checks would bounce. She said it is not their problem, that you should check your account beforehand, that is why they have the automated system and customer service. But in the event that did happen they would not honor the checks and charge fees on top of it.

How ridiculous.

Shortly after adding my name to the account money started getting transferred to an unknown account. It turns out that BofA had never removed the previous owners name from the account even though we attempted to get the name removed and received verbal confirmation that it was, so they started transferring money to his account to cover overdraft charges he was incurring. BofA now refuses to reverse the transfers and the HOA is now out $600.00 which is a lot of money to a small HOA. I have spoken to at least 3 different reps, and a supervisor and they were all unwilling to help.

What upsets me about this is in the past, I have been charged fees and if you look at the date that the bank finally processed/posted the transaction, I had enough funds to cover, however, when I questioned the bank I was told that I'm sorry the bank doesn't look at when the transaction gets posted but instead looks at the date you actually used the card. In those instances I have been charged a fee. Now today, I had enough enough money in my account to cover based on when I actually used my card. But now the bank is changing their story to say that that doesn't matter. They look at when the transaction gets posted AS WELL AS the actual day the card was used. I got very frustrated with the rep who started to make an analogy using apples. Saying that if you promise your neighbor 5 apples.... I had to cut her off and ask her not to use that type analogy with me and that I was an accountant and understood numbers. The rep then went on to say "ok if you are an accountant then simple math is...."

She ended up being rude and unprofessional. I asked her full name. She told me Angela ** from the Southeast region. I asked if she had some employee ID# and she said no, that was her identification. I then asked to speak to a manager and she told me that she would put me through to her manager's voice mail. I said I don't want to go to anyone's voice mail and that I would speak to any manager that was available. I was told there was no available manager that I could speak with. I did end up leaving a message for someone who I couldn't make out their name due to a heavy accent.So, I was left out in the cold with as far as I'm concerned, unsatisfactory customer service and I can't truly identify who I spoke with. So again, THE BANKS WIN!!!!

Since I'm not on Chex Systems and had passed their credit check, they opened the account, but later determined I was too risky. (I've opened accounts at similar national banking institutions in the past few months without any problems, but BoA apparently has different criteria.) I explained to the associate that I had outstanding transactions and also needed money from the account for little luxuries like gas and groceries. He just kept repeating that the bank had decided to "terminate the relationship" and would send me my funds via check in 10 to 15 business days/two to three weeks.

In the interim, I wouldn't be able to access the funds because the bank had decided to freeze the account. Sure enough, when I tried to withdraw some gas money from an ATM, a message on the screen informed me that my card was invalid. On Tuesday, Dec. 2, I spoke with a manager who had introduced herself to me when I opened the account and asked me to let her know if she could ever be of any assistance. Well, I definitely needed some assistance. After reviewing my account, she said that the bank would pay the debit card transactions but would reject the online payment of $25. When I asked why they were rejecting the payment even though the funds were there, she said that the funds actually weren't there because the bank had frozen the account.

Huh?! I said again that the funds were available - and then some - and she said again that the bank couldn't approve a transaction of that amount. (Is the economy so bad that $25 is considered a risky transaction - even though the funds are there?) I explained that if the transaction didn't clear, it would be reported on my credit report as a late payment, negatively affect my FICO score and remain on my credit report for seven years - through no fault of my own but because the bank arbitrarily decided to close my account, without even notifying me. She apologized and said there was absolutely nothing she could do to override the system. When I pointed out that the bank hadn't even been courteous enough to inform me of the reversal of their earlier decision, she said I'd be receiving a letter in the next couple of days.

I've heard numerous complaints about Bank of America through the years, and now I understand why they are always mentioned at the top of poor customer service surveys. Had I known they would treat me this way, I obviously would never have applied in the first place. I'd much rather pay some extra ATM fees than deal with a bank that's sold its soul at the expense of its (would-be) customers!

After many of complaints I finally got a hold of someone on Saturday who stated my account was being closed because there was no telephone number listed on my account. I was never asked for one. I was then told the remaining funds would be sent to me via certified check and there was nothing else I could do. I could not reopen the account, or pick up my money at the bank, only wait for this certified check. So now I sit with no funds whatsoever and get fees for every check that is not returned to me.

After about 10 days I had not received any check, and my direct deposit had cleared into the account on Nov 15. I again called the bank to find out why they accepted money into a closed account. I was then told they were waiting to close the account fully and they will take deposits, but no other transactions. I finally was able to get off of my military base and visit an office in person. I had come to find out I was even charged overdraft fees by Bank of America. I have finally gotten my account reopened and have withdrawn almost all of my money at this point, however have still suffered huge financial problems because of the closure and them holding my funds and refusing to let me withdraw any of them from my account.

After depositing two checks in the amount of 1004 one Friday before we were to spend 3 days at a friend’s wedding a hold was placed. Both online and ATM accounts listed the funds to be cleared on Saturday so we went on our ways using the funds that weekend. On Monday when we returned a hold was placed on the checks due to the name on the account and signed over check in a different name. Fair enough, we went down to the bank to clear up the situation. Apparently, someone in Arizona (we live in Massachusetts) placed a hold and did not return any of the branch manager calls as to what form to sent to clear the issue. We were left for 2 weeks with no money due to a bank error! Then when I called to refute the numerous overdraft fees that were inquired over the weekend the bank had the nerve to say it wasn't a bank error but mine as I used fund on an unclear check that they deemed uncleared after they listed it as clear!!

Then 2 weeks later a check my cousin wrote to me was returned due to insufficient funds. However, again it was listed as clear and then 4 days later as on hold. Bank of America didn’t withdrew that amount 2 times!!!! A bad check from someone else was taken out 2 times from me (totalled in 600 dollars!!) When I called them back to redeem this situation they said I would have to wait 2-4 days for a letter in the mail to confirm the refund of this money and any over draft fees cause by it. Yet again, I am left for 2-4 day with no money to eat or pay my pending bills!

It should be illegal for a bank to take money that does not belong to them and have the ability to hold it for however long they deem fit.

Bank of America refuses to take any responsibility for this situation. They are punishing my daughter-in-law for being working poor! My daughter-in-law will be charged close to $300 and will just have to let the account go to collections. Bank of America is robbing my granddaughter of food by stealing her mother's money! This bank needs to be stopped. I've been a Bank Of America customer for 10 years and will be closing my account as soon as I can. Bank of America needs to find out that it can't make it without the little guys!

I got on their website and talked to one of the representatives who gave me a courtesy refund. WHICH DIDN'T POST UNTIL SATURDAY NOVEMBER 29! I checked my account Saturday morning I was negative! How could this be?? I checked, they charged me two extra overdraft fees! When they charged my the initial overdraft fee, it sent me into the negative. I had two pending transactions of between $2 and $4 dollars which had not posted. Since the $35 was not returned until Wednesday AFTER those two transactions had cleared I went into the negative. Again fuming, I contacted Bank of America, someone (I'm sure not from AMERICA) told me there was nothing they could do, asked to speak to a supervisor who was extremely rude. She told me there was nothing she could do and it was my fault not the bank. Well not in my opinion. I contacted a local branch and spoke with a manager. She said she had no idea why I was charged the two overdrafts and that her computer would only allow one refund. She gave me the refund, leaving me $28 in the hole. I managed to get to the bank today and deposit the money. Bank of America is a rip off.

$259.70 balance; $120.00 withdrawal 10/25/08.....($139.70); $90.00 debit from 10/24/08......($49.70); $30.15 debit from 10/22/08.......($19.55); $25.00 debit from 10/21/08......(-$20.45) FEE ASSESSED $10.00 debit from 10/22/08......(-$30.45) FEE ASSESSED $8.38 debit from 10/22/08......(-$38.82) FEE ASSESSED;Cash Deposit $300 from 10/24/08....

This is $140.00 in fees that were assessed to my account for transactions that were not accurately accounted. If I put CASH in my account and it is in before the same day posting cutoff time, and a day later take out $120.00 they cannot be flipped around just so the bank can charge me $140.00 in fees. They have resorted to stealing from their customers. It eventually now has spiraled into 10 fees totaling $350.00.

I find it hard to believe that I could in good faith pay such a large amount towards my balance only to have them freeze the account and then state that the minimum would not change. This is not the agreement I had signed which states the minimum is based on the balance. My main frustration came when the gentleman said "we are the bank, we can do what we want!!!!!"

So, I have to wait for BoA to investigate to see what happened before I can't even open an account anywhere else. Also, from what I was told the name from BoA that claims I owe them money isn't even me but it has my account number on it. 3rd incident happened on the 17th of November. A payment went through for an American Express card of which I don't have an American Express. I called and they said they can't do anything about it but they have to investigate this also before I can get my money back.

Couple of issues - BOFA says it is not obligated to show all transactions as pending on online bank statements...so it's hard for me to track what's pending that day and they were rude to say it's your responsibility to track and not ours. Also a transaction I made a week back, it falls on the day when the account is less and there is no way to know if BofA is doing it on purpose to make overdraft fees. Overall they are mean enough to take any amount of hard-earned dollars from the customer in the name of overdraft and nothing can be done. I seriously hope some day they would be in the receiving end and get bankrupt.

I contacted Bank of America to complain and was transferred to a credit analyst who informed me I didn't qualify for the amount I had requested, so they decided to open a loan account for me in the amount of $500. I informed them that I did not want the $500 loan, nor did I ever give them permission to open the account without contacting me first. They replied they had tried to contact me and I never responded. Bank of America is lying: I never received a call from their credit department about the loan application. I feel this is a predatory lending practice by Bank of America to entice consumers into opening new loans under false pretences.

Additionally, one would assume (now I know never assume) that it would default and/or be the due date! Never in my imagination would I think that a company would default to a date that would make you late! I am completely unable to change the date. Customers do not have access to that feature. Well, as you can guess, they have decided that I'm late and then my interest should now be 28.99%. My rate prior to the auto-pay was 10.99%. I called them today and spoke with over 9 people, and have been on the telephone in excess of (4) four hours!!! Instead of accepting responsibility for the error, they just keep offering me unsecured loans at ridiculous rates! I did nothing wrong! When I try to obtain people's names, I am given fictitious names.

When I asked why they would not provide me with last names they stated that they did not want to give real names! The names I did receive were as follows: 1st - Would not give any name; 2, Will - no last name, 3. Nathan **; 4. Daine ** (will not give last name); 6. Sarah, - no last name; 7. Jeffrey, online services who agreed that this is a problem but could not help me; 8. Heidi ** (no last name). Also, the last person I spoke with would not give me a last name. In exhaustion I stated; 9. Kirisa will not give last name; and finally 10 Dorothy "prefer not to give last name." I'm curious as to why I have had to give all of my personal information to 10 people, i.e., name, mother's maiden name, social security number, account number, income, etc. to 10 people who will not give me a last name???

Although the online department stated that this is a problem, they stated that they were unable to help me rectify the situation. The online number is 1-866-797-8479. Therefore, at this point I am unable to change my interest rate. I am a single Mom and have always paid on time. I have been a Bank of America customer for I think min. 17 years! In all honesty, I feel that this is a pure and simple "SCAM". Customers are so afraid of being late they will just allow the company to take the money out of their checking account monthly due to the recent problems with the economy. Customers would never in a million years suspect that the company would allow the auto-pay to be late! Please, if not just for me, please help the people that always pay on time not be extorted by these companies. I have never been late until I set up the auto-pay.

This Campus Edge account (including debit card) was suggested to us by the branch manager over four years earlier when my son was leaving for college. During the same conversation, I asked Karen if we could request that purchases be declined if there was not enough money in the account and she said no. So apparently Bank of America wants you to overdraw your account so they can charge you these huge fees. I just don't believe that a system that can post your debit on your account immediately can't decline it if you don't have enough money in your account. I also tried to get help through their online help services. The response was, "We're sorry for any inconvenience this may have caused you."

Since I feel that Bank of America can no longer serve me in the manner I want to be served my family and I have decided that after over 15 years we will be closing all of our accounts by the end of this year. That includes a number of checking accounts, and IRA and investment accounts. My extended family plans to do the same. We believe there must be other banks out there that are a little more interested in their customers.

Now Encore a collection agency is texting me on my company cell phone attempting to collect on late fees. I am incurring text message fees and long distance charges on my cell phone at work. I have repeatedly asked this company to stop calling me as the late fees are not valid and I will not pay. I have received $47.60 in fees on my cell phone in November from Encore. In October I receive $89.00 in charges for long distance. In November to date I have $47.00 in long distance and text messaging so far.

Last year I had to give him over $1200.00 to keep them from sending him to Chex Systems. They are non-caring, insolent and rude. I have changed to the Suncoast Federal Credit Union because I have experienced this first hand with my friend. We need a class action lawsuit. Who agrees? This bank needs to be exposed for their practices. This man is bipolar - he has extreme highs and lows. He is not responsible when it comes to handling a checking account. This has been explained to them but they do not care. They keep leaving the account open. In my opinion, they do it to collect the fees.

For the last three weeks, I am trying to initiate a wire transfer, but the service from Mary is absolutely terrible. At first she said I must send her an original certified letter requesting the wire transfer. She confirmed receiving my letter via courier but then told me that her boss does not want to approve the transfer. I made contact with the Wire Transfers Department of Bank of America who told me to request a specific form from Mary, to complete the form and send it back to Mary. She must then send the form through to the relevant department who will process it and I will then be able to get a Telephonic PIN to initiate a Wire Transfer.

I requested the form from Mary last week Tuesday and gave her my Fax as well as E-Mail. Needless to say I have not received anything and when my father called the Branch an hour ago and was told by Ian that they will send the form immediately. Still nothing! What am I supposed to do. I did everything that was required from me, but Mary just ignore me! Can somebody please help! I am taking up a position as a teacher in London beginning of 2009 and need the money urgently for air tickets/visa etc.

I looked and my Social Security Benefits had not been deposited into the account as they always have been before. Social Security when called advised that they mailed me a letter on OCTOBER 3RD, 2008 advising me that my benefits had been ceased, even though there is an appeal pending. (I received the letter on October 10th, 2008.) My checks from work were not to be posted until that Friday the 10th and I could not stop the direct deposits. Upon calling Bank of America and advising them of the problem and requesting that the account be closed, was told no, they wouldn't close the account.

Every check and debit card transaction was presented over and over and over and over each time resulting in a $35.00 fee. Bank of America has taken over $800.00 in fees out of my account since October 3rd, 2008. When calling their customer service line was advised by four different representatives that they would not refund any of the fees. Now I have lost everything I had in pawn because I was unable to pay the interest to renew the loans.

My power, water and phone have been shut off (I'm on a library computer.) My house is in foreclosure, have no food and am going to be homeless in winter in Montana. I was on Social Security Benefits due to a childhood brain injury and am not able to advocate for myself.. There will be no recovery for me and have no choice but suicide.

I was drawn in by the supposed ease of online banking but there are no ATMs or physical bank branches in my area. I cannot even deposit money through another bank's ATM (Bank of America doesn't allow it). In order to transfer funds from another account online, there is a TWO-day window. Which means even if I WERE to catch an overdraft before it happens, there is no way I could actually get the funds into the account without driving over 100 miles to the closest branch. Some banks offer real customer service. Use one of those. DON'T use Bank of America.

The same week the house foreclosed I was still in the hospital so my son went to Dalton to meet with the real estate agent that bought the house to make arrangement to get my furniture out of the house. He secured a moving company to pack and move my furniture to storage and when the moving company arrived, packed the furniture after receiving the invoice, we discovered the real estate agent had moved all the furniture out before the moving company arrived and only left a dining room table and 4 chairs and a china cabinet along with clothes and misc. items.

We had prepaid the moving company 2700.00 to move 3 bedrooms, living room, computer room and breakfast room and kitchen which the realtor had already moved out within 5 days of buying the foreclosed property. The neighbors took picture of the realtor, his wife and father-in-law moving the furniture out prior to the moving company arriving. I moved to North Carolina after getting out of the Hospital and constantly being sent letters from collection agencies regarding the 2nd mortgage. I informed Wachovia of the situation with the 2nd mortgage but they continue to call and harass me. Do I have any recourse regarding this matter? I am a widow on a fixed income and cannot afford to pay 8000 for a loan that should have been attached to the foreclosed property.

I had cancelled my ATM card and received a new one. During this time I had plans to go to New Jersey for the month of July, and when I had asked to have any other information forwarded to my mother's address in New Jersey, they stated that there was no way they would be able to forward any mail to my temporary address. During this time, I had already contacted the manager of Wendy's but she did not take any action whatsoever.

When I was on the phone with B of A claims, the woman did tell me that I could file a police report, but B of A would more than likely file their own report and credit back the money into my account. I had/was reimburse right away, and had received my new B of A card before leaving to New Jersey, but did not receive the affidavit form that the bank had wanted me to fill out. During the following month, while in New Jersey, I noticed that B of A had taken the money back from me. I had called and asked them why, they said that the reason was because they had not received my affidavit form, and after the report had been received I would be once again reimbursed.

Once I returned, I had filled out the form and faxed it to them the following day, telling me that they would give me a call back from the claims department within 10 days after the form was reviewed. I did not receive any confirmation and two, three weeks passed and I still not had heard back from them. Once again, I contact the claims department and they e-mailed me the copy of affidavit, and I faxed it, this time receiving a confirmation number. Another three weeks pass by and no response from Bank of America. By this time it was September and B of A reports that the status of the claim still had not been processed and tell me to wait another 10 days.

Once again, another two to three weeks pass by and I call B of A. It was the beginning of October and I had spoken to Diego. I ask Diego what is the status of my claim and he reports to me that my claim had been denied. By this time I was furious and ask him when was this decision made and why had I not been called or informed about this. He said the claim had been denied the 3rd of October 2008, and the reason why was because they did not find any fraudulent charges. I ask to speak to his manager, and he transfers me to Shannon. Shannon reports the same thing that Diego did, and I ask them why I had not been contacted and criticize Bank of America for their poor customer service. I ask to speak to someone above her, and she transfers me to her supervisor, Mackenzie. Once again, I get no answers and never received my money back.

Also, whenever I spoke to the three of these B of A representatives, they gave me different responses, and stated that I even had a "history" with the gas station that the purchase was made. When I asked Shannon the "history" there was only one previous transaction made beforehand, and when I asked Mackenzie, she would not give me a number, but stated a numeral amount. Also I disputed the fact that I am not a big spender at all, and if you looked at my transactions, you will see that even at a gas station or anywhere else did I ever spend no more than $50. In fact, my 2007 2-door Pontiac G5 wouldn't be able to intake more than $50 even during the gas prices at its highest. Also, they stated that since it was a debit card, there would be minimal chances that it was fraud, which I found ridiculous because here in Florida, all you need when you pump your gas is a zip code, and there are a choice of three within my area, where it would not be difficult for anyone within this region to use my card without a pin. When I asked Mackenzie if she would be able to confirm if they used a pin number or a zip code she stated she would not be able to confirm that (?).

To me I didn't need to go any further. The opened account had a 0% rate for 1 year, and the guy I spoke to was Darrell ** and he said he would waive the transaction fee if I wanted to do the transaction right then and not continue my search for another company. It sounded perfect so we proceeded to go through the bank routing and the final steps and finished the transaction. I never asked that the fee be waived; I was told the fee would be waived because I was considered a good customer. I would have continued to look elsewhere and if no better offer was found then I would have called back and took B of A's offer. The offer of no transaction fee sounded very attractive and I took the offer.

When I received the first statement on the account the transaction fee was on the statement. When I called B of A about the fee being waived, the associate said they could not waive it or never would. I asked to speak to a manager and obliged and connected me to Leslie **. Leslie was confrontational, degrading and rude. She spoke down to me, asking me, "Does it sound right to you, Mr. **, that a bank would just give you money without collecting a fee?" I said, "It does when your associates tell you that is how it is going happen." She spoke over me and did not listen to me or my complaint. When I finally asked her to let the customer speak, she kept quiet but I felt like she was doing something else and still not listening to me due to the pauses and excuse mes when I asked questions. She said that she would not waive the fee and if there was anything else she could do. I asked to speak to someone else and she said there is no one else. At this point she said if there wasn't anything else she could help me with she had things to do.

To me this is committing fraud when associates tell consumers one thing to get business, the company does something different against your will, and does not even attempt to correct the problem. I was told at least a dozen times that the fee would be waived and now I am stuck with it. I want to give the money back but I am still tagged with this $1200 fee. It is a scam by B of A and I hope there is something someone can do about this before to many people get burned by this fraudulent business practice. If not this is very easy money for B of A. Has this happened to anyone else? Please help the little people fight the giants since it is our tax money helping bail these giants out of their own mess.

I went to Wachovia twice and they will not verify that it was their fault. When I ask why they couldn't have just pulled up account by the name on check and they replied they only use account #. Wachovia told me I just need to contact the party on the check and have them write me another one. They just did not want to admit their mistake and try to help. As a matter of fact, the young lady told me if it made ME feel better she would say it was their fault in a sarcastic manner. I found them to be very unprofessional and the party that wrote me the check will be moving their account to a bank that is more customer friendly Thank-you.

I was annoyed by then as this was already over half an hour to cash these checks. So we got to the teller and my son told her he wanted to cash the check and she asked him if he had an account and so forth. I handed her my license and said to her "Can we please just get this done. This has taken long enough already." So she looks at me and says "Ma'am you don't have to talk to me like that." So I said to her "Talk to you like what? Just cash the check and let's be done." I was getting more annoyed so I left the bank to go back out to my car and wait for my son. He comes out and says to me "The teller wanted to know your name as she wants to report you!" So I said to my son "Report me for what?" She said to my son after I left the bank if I was his mom and what my name was.

My son said to her "Please just finish cashing the check and give me the money." She said to my son "THAT'S OK. I WILL LOOK UP HER NAME MYSELF. I HAVE ACCESS TO ALL HER INFO." We'll when my son came out and told me she wanted my name and she was going to report me, I went back in the bank this time with my husband and took my license in again to give her my name and see why or for what reason she wanted to report me? She was busy so I went to the customer service rep counter and explained to the rep what had happened and handed her my license. The rep was very nice and told me she would have a bank office call me on Monday. Meanwhile the teller (who turns out to be the Teller manager Bobbie **) comes over to the customer rep counter and I said to her "I came back in the bank as my son said you wanted my name and were going to report me?" So I said to her "for what" and "here is my name."

She said she did not like my attitude and asked my name and I said "and your is?" She laughed and said "I am the manager and my name is Bobbie ** and do you need me to spell it or wait a minute and I will get my card for you." As she is walking away from the customer service stand to get her card SHE YELLED BACK TO THE CUSTOMER SERVICE REP "CALL 911, I WANT THIS WOMAN REMOVED FROM THE BANK." I was shocked and appalled. I am 49 years old and never treated that way. Never have even gotten a traffic ticket in my life and here I stand a customer in the bank and yelled at by not only an employee but a manager. There was a bank full of customers, employees and I was stunned, shaken and embarrassed to say the least. The rep that she told to call 911 would not even do it. She just stood there in amazement herself.

When we left the bank I said to my husband that maybe we should stop at the police station and report the incident in case she does call the police. We did stop and speak with and office - Corporal Brian ** and he told me that he would write a report but that I she called the bank on Monday and speak with him. He also told me he has been there all day and he never got a call from the Bank. I feel this manager abused her rights many times from first telling my son (who is not a child, he's 24) that she would look up my name if he would not tell her, then yelling in a bank full of people to call 911 and have me removed. I am very upset about this...

On October 29, 2008, I attempted to pay a bill with my account, since I had not been informed it was closed. NO ONE FROM WACHOVIA HAD BOTHERED TO CONTACT ME!!!! The electronic check was returned, account closed. I contacted the local Wachovia branch and finally learned the account was closed. After an hour on the phone, I spoke with loss management and learned what documents they wanted to verify my address. I had to actively seek out the answers insteads of them doing their job! Now, I am waiting still two days later to get my last paycheck credited to my account. Wachovia has been collecting interest on my money for twelve days and it is just too hard for them to do their jobs and credit it to my account. It should have been done immediately, not put in line with other transactions. NO ONE AT WACHOVIA WILL TAKE THE RESPONSIBILITY FOR WHAT IS THEIR MISTAKE!! The loss management department did not do their job and contact me.

I repeatedly called and questioned the practice, and requested again and again detailed account statements. I started to notice that not only was this happening, but the bank would often wait to assess the overdraft fees until they reached a point in which the fees I owed were higher than my account balance, which would again put my account into the red. There would be no warning or message that my account was overdrawn, despite having signed up for text notifications of my account status. I would think I had money in my account, buy a $2 cup of coffee, and be assessed a $35 fee.

In one trip to a coffee shop, I bought a coffee, and then decided to get a doughnut, because these were two separate transactions, I was assessed a $70 penalty, for a coffee and a doughnut. I was eventually directed by customer service to speak to a representative in person, so I chose the Milton branch, because I happened to be driving by. I stopped in, and was informed that due to my frequent overdraft charges, which at this point equaled a few thousand dollars, I was not eligible for overdraft protection in the classic sense. He could set me up with a line of credit, and as he stated, this would prevent the $35 fee, but the charges would be subject to a substantial interest charge 19%, because of my history.

After doing some math, this would still save me a lot of money, and the credit account was fee free he said. A few weeks later, I received a credit card in the mail, which I wasn't expecting. I continued to use my debit card, and was shocked when I got my first bill. Not only was I being charged for the amount of money I withdrew, I was still being assessed the overdraft fee of $35 and now I was paying interest on this fee. I called customer service many, many times, only to be put on hold, or yelled at. The representatives all told me the same thing, it is my responsibility to keep track of my funds, and it's my fault I didn't understand the contract I signed. I have never received any explanation as to why they lied, even from the man who originally sold me on the line of credit, and to this day, I am stuck with a Bank of America account, because they won't let me close it unless I pay off all the fees, which I refuse to do.

I received a response from Kristy ** that, "We will no longer respond to the issues listed in your most recent letter (?)". I was flabbergasted and wrote back, certified this time, "I am very concerned with a recent letter from Kristy ** on October 23, 2008, stating that B of A was required to accurately report the status of all accounts, but would not consider investigating your own inaccurate reporting." Has anyone had any luck in a similar experience? Interestingly enough they will not even include an address on any correspondence. I had to call and get an address for the Customer Satisfaction Department...

This is how it was just explained to me by the bank manager at one of their locations while I fought to have their online statement explained to me as to why I incurred so many overdraft fees! According to my account history from Wachovia.com, they withdrew $70 from my account the day BEFORE 2 charges posted. With the $70 IN the account, it would not have BEEN overdrawn. They shrug it off, saying their website isn't accurate. Wachovia refunded half of the $210 NSF Fees and completely ticked this Customer off at their obvious immoral actions (bordering on Illegal if you ask me!).

I made a cash deposit at an ATM on a Saturday morning and made several small transactions after this. Seeing that I was going negative, Wachovia's systems posted my debits before my credit, in addition to withholding items from my available balance so that I would overdraw even more. For a total of nine items that added up to $13.45, I was charged $315.00. This is a pathetic shame. And the only thing representatives could say is that I need to be more careful with my money. This is an ironic statement for a bank whose apparent over-extended payroll line of credit has caused them to require an emergency buyout.

I ask and they go through this lengthy description of how this that and the other hit before this deposit etc. and can never answer my question. If nothing shows me to be negative and my outstanding debits do not amount to more than outstanding credits, how can I get an NSF fee which then really DOES send me negative? I can get no relief to this. Because of this loss of $700, I was unable to put a down payment on a vehicle since my vehicle's transmission went out and had to borrow my friends fishing truck for work, my mortgage payment bounced and now I must pay only with a money order or cashier's check for which I'll have to pay a fee.

Why did it take over an hour because 1) We got the runaround and transferred all over the place and 2) we would get hung up on when we got transferred, all to get the answer NO, they couldn't give us the money. And the excuse they gave for cancelling his card, another joke... some excuse about a third party having a compromise on his card that happened a year ago. Well, long story short... my boyfriend tried to go back on the ship to get a loan or something... and that's a whole other issue...

I ended up being stuck alone in Cozumel, Mexico with NO MONEY and just my ID and my SeaPass for the boat. We have a whole other issue with Royal Caribbean because they would not allow my boyfriend off the ship and they promised him that they would find me. They never let him come along and they basically assaulted him because they were holding him back with force for absolutely no reason. My boyfriend is not the violent type and they had no reason to push him around and hold him back. Well, anyway.... My boyfriend ended up paying $1200 (he got the money somehow with some help from people on the ship) to get me from Cozumel, Mexico over to Belize. I BARELY made it and we were reunited again.

It was a horrible experience that I would NEVER wish on anybody. We were not separated on purpose or because wanted to... but either way... we lose out. Neither Royal Caribbean nor Bank of America will do anything for us. I'm more pissed off at Bank of America for just cancelling his account just because and giving us a lame excuse as to why they cannot refund us the money. And we have a receipt proving that the $1200 was paid. It was just ridiculous!!! Just thinking about it is upsetting. I heard some bad things about Bank of America... but this has been the worst. In an emergency, they supposedly can't do nothing for you... and they just decide to cancel his account right around the time that we are on vacation in a foreign country. ** That's all I can say... **.

Next day: transaction went through, balance the same. Later that day: Completely forgot about a purchase that I had made when I had money in my bank account, which now puts me in the red. Contact them online again - this person is very stupid and doesn't understand anything though I kept saying the same stuff over and over again. Suggest I call them. So I call again - and this person finally does something - decides to credit my account with an old overdraft fee that I had paid, so I wouldn't be in the red. Money is still missing, though. It wasn't me, it wasn't identity theft, it was the bank. I am seriously thinking about switching banks.

I, for one, have repeated myself for the very last time while I was trying to use its telebanking system. In addition, I have made the repeated request to have all of my banking information to be completely removed for its site since I am unable to log onto for the simple reason it will not recognize my password. It has not yet honor this repeated request. It will only do two things. One, it will send me E-mail to inform me someone was tampering with my online account even though I was that person and I am the only person who access to my checking account information.

Two, it will play the blame game with me for not remembering my password correctly when it is the same password I use anything that calls for a password while I am online so I could I forget my password??? This bank does not care about these factors or any other factors since it purposely tries to make its customers' banking needs as difficult as possible all the while it is claiming to have been rated number one in customer service for seven straight years. From what has happened to me and what I have read on this site, this bank must be conducting business in La-la Land. Come October 31, 2008, I will be changing banks since I have had enough of this bank's BS to do me for a lifetime.

My conclusion? The Bank does know. It is their job to know. Of course they know. But they look the other way and honor small charges to overdrawn checking accounts, then collect a king's ransom in fees at the end of the sad story. The Bank knows what it is doing. This is no accident. It is a pattern of deliberate and repeated abuse of consumers and betrayal of customer trust. In essence, Bank of America processed a series of unauthorized $3 and $4 dollar loans at 100% interest to my daughter.

What is most concerning to me is the customer service rep's final statement. In an unguarded moment, she let it slip that the Bank could actually charge up to $5,000 in fees without any legal ramifications. This is very worrisome since the BANK is in charge of the very transactions and their timing, which apparently is excruciatingly precise and perfectly sequenced EVERY TIME to result in a $35 dollar fee. This is just too coincidental. I believe that Bank of America may be up to some pretty dirty tricks, and they may be playing these tricks on those consumers who are most vulnerable and least likely to protest: the young, the elderly, the disabled, and those whose first language is not English.

Think about my daughter's story: $650 dollars in fees for $100 in purchases. Now multiply that by a million customers. That's $100 million dollars the Bank churned out in pure profit for itself, simply by preying on naive and unsuspecting customers. Now think about this: Bank of America is the SECOND LARGEST Bank in the U.S. They certainly have more than a million customers. It is reasonable to assume that they probably have over 5 million customers.

Dirty tricks? Bank of America may, at this very moment, be cashing in NO LESS THAN $500 million dollars in unjustified and exorbitant fees! That's HALF A BILLION dollars folks! My only question is this: when is our government going to launch an investigation into this pattern of abuse and victimization? How long will our elected officials continue to look the other way and tolerate a Bank that robs people?