Bank of America Reviews

My son and I have a checking account together, we opened it in 2004, we also had a truck loan with this bank which we recently paid off in the amount of $8,000.00 Know that this is a small town maybe 8,000 people my son was born and raised her we have lived here for 30 years everyoine know who we are and that we are not going anywhere and that we are hard workers and pay our bills..so..we deposited a $2,800.00 by ATM on a Sun. afternoon a receipt came out and told us the balance in our account was 3,400.00 we then withdrew $100 cash a receipt came out and told us we now had $3300.00

I was charged 5 overdraft fees of $35 each on 5/19/08. My account was overdrawn by $6.81 by their own records on that date. The way they stacked the charges, the last two of $15 & $4 overdrew the account by the $6.81. I have not disputed the $70 in fees. However, many customer service reps and a phone supervisor later, we are still going around and around over 3 charges which left the account still at a positive balance. They claim that another automated charge caused it - but yet that charge went in 2 days later- causing it's own fees. How can I be charged 3 x $35 for charges they show leaving a positive account?

I had ZERO balance but they refuse to close the account and keep charging me (50 dollars ) for not using the account and then pile up late charges on that. Is this a fraud or pure plain incompetence? Why should I pay late fee charges on a a charge of not using the account when I wanted to close the account and they refuse to close it? Very frustrating. Maybe they do it for a lot of other people too.

I am complaining about the way that Bank of America's (BOA)accounting practices. I have a fixed income that is a direct deposit to BOA monthly. When my balance gets low, they will rearrange the incoming transactions and place the larger ones in from so that my account will go into the negative. Then they do not pay the check but at first glance make it look as though the check is being paid. When you go to view the screen again the transactions have been completely rearranged and your balances are different again. This is a way for them the rack up on a lot of extra fees.

They charged me an overdraft fee and refuse to reverse it, the account was not overdrawn.

I have a checking and savings account that delays the amount available for use by as many as 4 and 5 days. Most all of these incidents occure with direct deposits. Even the Amount Availabble information box in the left screen indicates the full amount, an amount the would make charging a $35 dollar overdraft fee impossible. They also indicated that they post the largest transactions for debit first making, in our case, 7 different $35 dollar overdraft amount. Please remember, there was plenty of money to cover all transactions in all boxes, even the amount available.

I have a checking and savings account that delays the amount available for use by as many as 4 and 5 days. Most all of these incidents occure with direct deposits. Even the Amount Availabble information box in the left screen indicates the full amount, an amount the would make charging a $35 dollar overdraft fee impossible.

I took care of my mother while she was ill, before she passed away. We filed a Limited Power of Attorney with Wachovia, so I could sign her checks and deal with the bank on her behalf. When she died, Social Security pulled the money that they had paid her for that month out of the bank. She had already paid her bills, so this put her account in arrears. Wachovia then took the money out of my account to settle hers, putting my account in arrears. I found out when I went to get money to live on.

On January 18th 2008 my bankruptcy was discharged. I was then told on the phone by two senior customer service reps that I did not have to pay my loan, so I asked them to send me letters stating that. I received one letter March 12th 2008 and another March 31st 2008. The Chapter 07 bankruptcy was filed on 10/05/07, discharged on 01/18/08 and closed on 01/23/08.

My account gradually decreased due to hidden charges

This all started when I was doing some shopping and wanted to place a purchase on my BOA debit card. It was declined time after time. This was rather embarrassing being put in that situation for the first time and surely raised some red flags. I stormed back to the office to go online to check my account for any fraudulent activity, know noticeable at that time.

Reason for Disputing: Wachovia has misrepresented the state of my Prime Equity Line account. They recorded my routing/draft number incorrectly. After investigation May 19, at the Falls Branch, Raleigh, NC the research uncovered they had my account number minus the 05 suffix which signifies checking. Their error and failure to correct accurate information has caused no payment received for the March, April and May and a negative hit on my credit, and fees and charges.

Harassing, rude phone calls from Bank of America representative authorized by the bank to solicit credit moitoring services.

They cashed one large check so they could charge me a separate over draft fee for several very small checks. The total amount for $50 in checks was $300 in overdraft fees. That's six times the amount of the original checks! Now they are threatening me with a collection agency!

My wife's mother died in January 2007. She had a Wachovia Cap Account, including checking, stocks, savings, safety deposit box, charge card, etc. My wife was the Successor Trustee and we went to Wachovia to have everything transferred into her name. It took months. (I finally threatened the securities manager with an SEC complaint if he didn't get the name transfer within 48 hours). Guess what? It was done! Then, out of vindictiveness they froze the trustee checking account and caused several inheritance checks to nieces and nephews to bounce! What an awful thing to do!

On 05-09-08 I orderd a stop payment on a check that I wrote completely wrong due to being in a rush that day. A few days after the transaction, the individual that i wrote the check to changed the terms of the service That I did not agree to and I decided to cancel the check. I dont understand how this individual managed to cash a check that had two different amounts on the check($100 in text and $168 in digit box)and still managed to cash the check for another amount($160)that was not written no where on the check.

A few years ago I financed my mortgage with Wachovia, at that time I had a fixed rate with an adjustable to begin in 5 years. My intent was to refinance and get a fixed rate before the adjustable took place. Due to unforseen circumstances that was not possible. So my payment went up 165.00 a month.

Their rules constantly change to benefit their pockets and there is no consistency from one rep to another. In the past year, they have managed to rob me of over $900 of my hard earned money. I only know this figure because it was thrown in my face today by a so-called customer service manager that Im doing a poor job of managing my finances. Never mind the fact that I'm a single mom and a business owner trying to keep my head above water in the mortgage industry. I have been monitoring my account on-line constantly to prevent this from happening, and no one could offer me an explanation, all I know is that in 5 minutes I racked up $210 in overdraft fees for $30 worth of transactions.

Wachovia bank is in the habit of charging NSF fees for account regardless of whether you have the funds in your account. Over the past two months, they have charged in excess of $500 in NSF fees to my account. During the period of these fees, I had sufficient funds in the account. They stated that the funds were not available. The deposits were withdrawn from the cooresponding bank. Wachovia seems to be in the habit of makin money by charging fee.

I was refunded money for a purchase. That came up. However I was charged $210 in fees for transactions that were held. I know I should have been more diligent with keeping up my register but this isn't the first time I've had a problem with this bank. I'm still sorting that out. I've tried talking to them but I get no where. It's frustrating. I know that banks need to make money too but I feel like I'm keeping them in business. I've even had a customer service representative from Wachovia tell me that they also had overdraft issues with them. How sad is that? I'm done doling out my money.

I live on my disability income of $884.00 per month. The amount is directly deposited into my Bank of America account the third of each month. I have written, emailed and called the bank to tell them to cease and desist their over-draft protection several times. It has not stopped. I spoke to a supervisor today, May 12, 2008, and asked for it to stop. He told me it would. I have been told this before.

Bank of America indadvertantly charged 4 overdrafts on our small business acount that had $598.27 on balance. No one at the bank could explain why. When asked to correct the problem and reimburse our account,it took 2 days to get a response. since it was not fixed immediatly, more overdrafts occured due to the first four reducing our balance by $140.00.

This e-mail was sent from: accounts@bankofamerica.com Dear Bank of America customer, This e-mail was sent to you because we have detected an error in your billing information on file with Online Banking during our regular schedule account maintenance and verification. This might be due to either following reasons: A recent change in your personal information (i.e. change of address). Submitting invalid information during the initial sign up process. An inability to accurately verify your selected option of payment due an internal error with our processors. Click the link below and confirm your Online Banking account information, otherwise your online access will become restricted.

I did a little shopping over the weekend, took my family out to lunch, got gas, and paid a bill. I deposited the amount of money I thought I needed to cover all of my expenses. I looked at my account online on Monday to make sure I still had enough to pay another bill. It was there so I paid it. Unfortunately, I also had an automatic debit that I had forgotten about, taking away 15 dollars I needed to cover that last bill.

After promising me three times that I had overdraft protection on my checking account, with my American Express card, I was charged $35.00 per item, that cost $2.00 to $3.00, instead of having the promised protection kick in $25.00, which would have resulted in only one $10.00 bank charge.

the customer service at Bank of America is horrible. I called over a week ago to have one of my debit cards deactivated because my ex-boyfriend had access to it. I spent 15 mins on the phone with the rep who told me he had deactivated the card and that I could cut it up. Needless to say a week later my ex went to an ATM and toom money from my account. Of course when I called Bank of America's customer service they didnt have a record of me asking to have my card deactivated.

As of today I am overdrawn $274.00 -- and the bank in the last two days has charged me $150 & $120 in overdrawn fees -- $270.00 for fees which they approved at the time they were processed. Without these fees -- I am overdrawn $4 and some change -- so how can I be charged for NINE transactions. It just doesn't make any sense -- and they refuse to do anything more than state the same crap over and over again. They did advise that I opt out of a feature that allows them to approve transactions when I don't have the money to cover them. Why would I want that in the first place -- and they tell me I'm opted in automatically unless I opt out. Does that make sense in any galaxy? It sure doesn't in my world.

To make an extremley long story short, I have found this bank to withhold certain transactions in order to collect on NSF fees. This particular account I speak of is the account my husband and I use as our frivolous account where gas expenses and other unimportant purchases. I have every issue I have had and who I spoke with in writing and its always the same issue, they like to wait to post the debited amounts. I stringently keep a registry as well as my husband and we compare and are maybe 50 cents at a time off from each other if that, so you tell me how two seperate people are getting similar amounts and none in the negative, we work hard for our money and di not appreciate money stolen from us.

An online payment was made to the electric company for $207.00 on May 1st that they say I authorized. I did not. Only one person I spoke to Jeanie Keeton, said the bank made a mistake and then she sent me to the dispute department, they sent me back to my bank,who spoke with the online rep., they said I authorized this payment. They said that even if the electric company gave me back the $207.00 they the bank would not credit me for the overdrafts that this has caused.

Last week I called Wachovia to close my checking account. Today I checked the status online and it was still open. My husband had paid off the attached overdraft account, but instead of a credit I saw a payment to the account which had previously been paid and was not due. It had also been deducted before it would have been due if it had not previously been paid. I called Customer Service at Wachovia and they corrected the online overdraft account to reflect the payoff and credit the erroneous payment back to the account. I then inquired as to the status of the checking account closing. They said there was no record of the request. I then requested they close both the checking account and the overdraft protection account. They informed me I will not receive the credit balance in either account for two to three weeks.

Bank of America-- Predatory Banking! I have been a loyal BofA customer for more than 2 decades-it must be $ millions in transactions. All my personal finances and my families business transactions. My entire customer worth came down to a dispute with a net value of $140 dollars in unfair overage fees. At the time of my initial request, I called and spoke to several representatives who assured me that a savings account was closed and that the money had been transfered to my checking account.

As of today, 5/6/08, Wachovia Bank has yet again stolen hundreds of my hard earned money. They cashed a check that I had written to a friend hours before I made a $300 deposit. Instead of refusing the check due to insufficient funds and telling her to come back, Wachovia clears the check and THEN clears several debit card transactions and ATM withdrawals from 3 -4 days earlier! These transactions had already shown up on my on-line banking statement the day before and that money was no longer available to me. But suddenly this $200 check was cleared by a teller BEFORE transactions from the weekend before throwing my account into the negative and charging me $350 in overdraft fees.

Just another Wachovia customer who apparently can't manage their checking account. However, I think I have you all beat......my husband and I opened a checking account when we moved here 6 MONTHS ago. And since then have been charged (hang onto your hats) $8,559.00 in OVERDRAFT FEES! Of which they have refunded $358? I smell another class action lawsuit headed in their direction. They've already had to pay out on their telemarkting practices.

My Husband Brian and I went to the above location to return a Chevy Trailblazer that was financed through them because my Husband had been laid-off, a woman came into a room and asked us why we can no longer make the payments, I explained to her the reasons she proceeded to say that we would be sued that they cannot accept the car that we had to wait for it to be picked up from our house.

To all of you guys out there that have been shafted by Wachovia Bank or Wachovia Mortgage, file a complaint. From the OCC site "The OCC's Customer Assistance Group is ready to help customers of national banks with questions or complaints they have about their financial institution." I was repeatedly contacting Wachovia with no response, Wachovia did not even respond to my complaint to the BBB. But with the OCC, It worked for me - I received the resolution I requested, hope it will for you! Good Luck!

This bank in the last two days has charged me over $320.00 in overdraft fees, the did refund me the $125.00, why would they continously approve purchases when you didn't have enough money in your account. This bank is allowed to have this practice. I have had a pending deposit, conveniently that isn't posted as pending but the ovedraft fees are. Then I have a transfer from my checking into my savings because there wasn't any money left, they transferred the amount anyway and then charged me a fee.

After fleecing me for a processing fee and another appraisal and after pre-approving my home loan, and after setting a closing date, Wachovia turned down my loan by stating that they did not approve of my floorplan. Their first lie was that my FICO had dropped 40 points overnight. I pulled my credit report immediately and it had not changed but it took two weeks of emails from my broker for them to admit that it was a mistake. That's when they switched gears and said they didn't like my floorplan. Have you ever heard anything so ridiculous? The next day I saw on CNN that Wachovia was in financial trouble. They strung me along for over a month.

my son was charged $750.00 for four happy meals about 10.00 dollers by the bank of america in over draft fees on his debit card.how can i teach my son about banking with these rules.The bank made us pay and said they would ruin his credit.

My husband and I have 4 accounts with Bank of America...1 business checking, 1 joint personal checking, 1 savings, and 1 mortgage. Our business has been struggling, and we were 3 months behind on our business credit card payment. We received one call in March from a Bank of America employee regarding the delinquent account. We told BofA that we were working on bringing the account current. We then received a letter on April 22nd stating that we had until April 29th to bring the account current. We were diligently working on that, and my husband happened to check the business account online on the morning of April 23rd to find a zero balance. I checked our joint account, and also found a zero balance.

Yesterday I had 4 transacations in my checking account's pending column. 2 debits totalling -25.00 and 2 deposits totalling +30.00. i also had a balance of +24.00 from the previous day. I incurred and overdraft fee (-35.00) in the pending transctions. There is nothing wrong with my math. BOA has designed their software to this. They counted the debits first which left me with a -1.00, which never showed in the posted transactions - because it was not an actual figure - just a technical one that lasted the duration of a nano-second: the gap between posting my debits and then posting my deposits. The computer kicked in an overdraft fee, between posting debits and deposits, and then took my 30.00 deposit and applied it to the fee leaving my account a couple dollars in the negative. (amts have been rounded off to the nearest dollar)

my balance on my credit card was $22.00. i mailed my balance 7 days late. i was penalized for $15.50. that is a 75% fee for a loan of $20.00 for one week. i'm sure there are other cards around that are less onerous.

I have been a BofA customer for ten years and have never had a problem. Imagine my surprise when my check card got denied last week. I went straight to the ATM to make sure that funds were transfered from my savings to my checking. Problem solved. That night I received a notice in the mail for an insufficient fund charge.I expected that. Unfortuntely, I also received FIFTEEN more thirty five dollar fees in the next two days! They didn't bother to decline my card until I was SEVEN HUNDRED dollars in the hole.

Here's how my Bank statement reads today (5/02): 5/01 unavailable funds fee $70 Bal:-$105.12 5/01 Taco Bell $5.39 Bal: -35.12 5/01 McDonalds 12.33 Bal: -29.73 4/30 unavailable funds fee $35 Bal: -17.40 4/30 Cafeteria $1.40 Bal: +17.60 There are no pending purchases or check card holds. There were no further purchases made that are not displayed. The $1.40 should not have bounced. The 12.33 should not have bounced. Additionally, I made a deposit of over $100 cash at an atm on 5/01. Immediately after that, the available balance showed $65 (since the account was already negative). This morning, the 12.33 and 5.39 bounced anyway.

My incident has happen three times where I have used my card or wrote out checks and had to make a deposit and made that deposit, but Bank of America moved all my transactions around.

I knew I was going to have to pay some things so I applied for a loan to go into my account, this was on Friday, the loan was approved and the funds to be transfered into my account on midnight Monday, I check my account Monday and nothing had cleared but I did have cash on hand so I called Wachovia and asked there rep if it was nessary to leave work to make a deposit into my account because the funds would go in that night I was told by the rep named Jennifer that said the deposits go in befor the with draws howerver they processed the charges first and put the deposit in pending so they charged me 140 in overdraft changes.

Car payment was sent back to me for improper address, received 3 weeks later. I called right away gave payment over the phone and was told to include the late fee in Februarys payment, I did that was applying for credit in June I found that they reported me to the credit bureau for Jan. Feb and March payment.

I checked on my BOFA checking account and noticed that my overdraft protection had been applied to +96.00. I called to ask why and I was told that pending charges and deposits no longer apply to the balance, and I had over drafted my account. NOT according to my statement. Then I was scolded by the customer service rep about not paying attention to my balance. I've been with BOFA for ten years, and I've always used the online service and cash machines with success in determining my balance.

I am filing on behave of the class Action Suit on Wachovia Bank.

i average about $430 per month in fees i have bben blaming mysel until this weekend when i caught the switch. it has wrecked my credit with past dues on mortgage and cars...very disturbung

From: Bank of America

I am currently going through a divorce, which is expensive. Since I am also a college student and mother I don't have a lot of money so my father very generously offered to transfer money into my account so that I could afford a lawyer. We both have Bank of America accounts and decided to go to the branch closest to my house to do the transfer in person. We assumed this would be easier and decrease the chance of there being any problems. When we transferred the money we were very specific about what money went into which account. The woman even repeated the info back to us to make sure it was correct. We were told the money was deposited and was available for immediate use since we had done all this in person (online takes longer to post). We then went to the lawyer's office and paid by check.

I have been a customer of bank of America for more than 10 years. I had 3 accounts with them. 1 savings and 2 checkings I decided to purchase a house (since this is a buyer's market) so i decided to sell one of my lands in for Florida for the down payment. I sold my land for $27,000. On january 7th I went to bank of America branch on Maryland parkway in Las Vegas with the buyer.. the buyer got a cashier's check from Bank of America for $27,000. I then deposited that amount in my savings account.

I went to Macys to purchase some items on Saturday, I tried to use my debit card and it was declined. Shocked, I call Bank of America to figure out what is going on because I know I have funds available and I am automatically transferred to the Fraud Dept. in Phoenix AZ. Because I am not fluent in English, I have my granddaughter interpret for me while I am on the phone with the fraud analyst. After taking about 30 minutes into verify my information, because they insisted that they had to find an interpreter themselves and not go through my granddaughter the fraud analyst representative Cordella said my account was blocked because there was unusual activity at the beginning of this month.

I thought I was doing a smart thing by establishing the free access 50 account which they pushed online. I spoke with customer care to be sure I had overdraft protection, whereby they would pull money from my main checking account if ever there was not enough money there. I opened the account in February. It has been such a hassle since I signed up.

On April 23/2008 on my bussines account deposit the exactly amount of money to cover some payments,that shows on my online statement,since is a bussines the cards are used to fill gas on 3 vehicles,1 of this transactions never shows on the system not even as pending or -$1.00. on the balance summary. Suddenly one transaction pops up posted on 04/24/08 in the account since I got the knowledge that wasn't enough money to covered inmediatly I run to the bank and deposit cash to prevent overdraft fees.mo mather that I complete the deposit succesfully and is posted on my account the Bank charge me overdraft fees on Previous transactions made the day before,

Two days ago I checked my bank account and saw Wachovia had charged me 105.00 in overdraft fees when I was ot overdrawn. Not even when they charged me the overdraft fees was I overdrawn. I called them and they immediately began to talk down to me telling me that I was overdrawn according to their tools that we the customer didnt have. I said, well according to the phone automated system and the website, I am not overdrawn. I asked have what they saw on their screen faxed to me or have them take a screen shot and e-mail it to me but of course that wouldnt happen. I got so frustrated that I hung up. I called back hoping to speak to someoen reasonable about being charged fees that I never incurred.

Original car loan amount $32,000. I pd. 21,000 before returning to Wachovia who sold it for 9,800. They charged off 21K and still want me to pay 21K

I would like to file a complaint on Bank of America, MYPaydayloan, MTE Financial, and Cashusanet. Bank of America has let these companies put money in my account and take money out of my account like a revolving door. I complained to Bank of America while these transactions where pending and the give the money to them. Then they credited my account for some of the transactions and then they sent that money to these payday loan companies as well. Bank of America credited my account 740.00 nsf and then debited that money back out of my account as I used a check atm withdraw. I believe that there customer service is in on this scam.

Everyone be aware of BOA's new policy, that by the way I was never notified about, until I got over 200.00 dollars in over draft fees. BOA says you now have to have the funds available when you swipe your card, meaning lets say you have 10.00 in your account make a purchase for 11.00, you realize you went over and deposit or even transfer that amount from savings to checking, well that does not matter (even if the transaction is pending)you swiped the card the funds where not available so you get a 35.00 overdraft fee. Now here is the kicker a BOA says there was a survey done and majority said that they do not want things to post until midnight the following business day. Be careful how you spend your money on the weekends when items hit monday morning you have better taken in to consideration any overdraft fees you might get. With the new policy this is what happen to me.

These wonderful folks dinged me for $70.00 in NSF charges. I have went over my latest statement line by line and did not see once where my checking account had a negative balance. There was a balance of $7.33 and no there was not a negative sign in fromnt of that balance. Somehow these cons assessed me $70.00 which represents TWO NSF Fees and supposedly another is on the way. Is this their new creative way of making up for their loan losses?

We have banked with Wachovia now for over 5 years. The reason we started banking with them was because my husband's paychecks automatically dealt with Wachovia by doing their direct deposit... so.. to keep things simple (or so we thought), we just let his checks go into Wachovia, and opened an account with them.

Funds were withdrawn from account and I made several payments from this account to my car note and other bills. I will be charged because the funds will be removed

I recently rented out a house while at college and was told that I had nearly perfect credit, at least up until now. I received a debt collections notice yesterday from NCO in reference to a Wachovia Student Checking account that I had closed in December 2006 along with my Savings account. The charge was for an inactive account fee of 5 dollars on account that has been zeroed out for the last year, thus putting me in the negative and accumulating 50 dollars in charges.

I recieve SSI (direct deposit) and they are giving me different reasons why my money is gone. Im too broke to hire an ATTY. and they are trying to convince me that the treasury department sent me a bounced check back in january ...HMMMMM! PLEASE HELP ME!

I banked with Wachovia ever since I turned 18 (12 years). I always got NSF fees! The last straw was when a family member, who has since then paid me back, stole my checking acct. # She set up automatic debits from my acct. to pay her bill! Anyways, when I finally caught on to it Wachovia had fee'ed me to death. No loyal customer protection, no help, too darn bad for you.

Wachovia is a screw their customer bank! If you have a charge on hold that counts against your available balance. If you make a large purchase, and a large deposit, the purchase goes on hold immediately - authorizing a future payment, the deposit takes time to clear. Here's where it gets fuzzy - and their customer service rep doesn't understand why either (except to screw their customer). The previous on hold items are presented for payment resulting in an overdraft. This is caused by the on hold large payment which still has not been presented for payment. These items are charged an overdraft charge, as is the on hold item which caused all of this rucus (still not yet actually presented for payment) all the while waiting for the deposit to clear.

I have a business account with Wachovia. Over the last month, I have made 3 large money wires. The first wire was blotched by an employee who misspelled the recipients name (even though I spelled it right, and the branch initiating the wire spelled it right on their forms that went to corporate) and took over a month to get to the recipient - and about 10 hours of my time (3 trips to the bank, many phone calls to the recipients bank) to resolve. Moreover, this recipient thinks I am incompetent and has since put terms in place that requires I prepay 2 weeks before any future purchases.

On Wednesday, April 9, I attempted to cash my paycheck. I was told by the teller that my money would not be available for two days, so I went to Bank of America (where the check was drawn) to cash the check. Bank of America charged me $5.00 for this service. I then returned to Wachovia to deposit the cash. The teller at Wachovia then informed me that, because it was after 2:00 pm, my money would not be available until after midnight on the following day, 4/11. They also told me that my money would be available at midnight that night if I deposited the cash through the ATM. I have reservations about making a cash deposit via ATM and I told the manager this. He assured me that there would be no problem.

My balance was low in my checking account so I transferred money from my savings to my checking to over my debts. The next money I saw my account OD. They transfer I did the night before (I did online at 10pm) did not post. When I called customer service about it, they would not help me. They only told me my account was on hold until 2pm and I would not be able to use my account until then. EVEN THOUGHT I HAVE MONEY IN MY ACCOUNT AND TRANSFERRED THE MONEY FROM THE DAY BEFORE. I also got charged $35 per item that cleared.

A few years back I had opened an account with B of A. I also took out an auto loan with them. After a nasty divorce I went into ruin and my vehicle was repod and my accounts closed. I had UNKNOWINGLY overdrawn my account by $ .84 cents. They then out my information into a system that resulted in me not being able to open a bank account anywhere. I had no choice but to return to bank of america to open another account. At that time i was in the process of paying off all of my debts and had already payed off a $4,000 dollar credit card bill through them. The last thing i had was the remainder of the repo, after contacting them to set up some kind of payment plan, they were VERY eager not to help and it almost seemed like they were enjoying being diffuclt.

I recently saw a $25 dollar charge on my regular checking account that I have had for 3 years. I never had this charge before. It stated Advantage Monthly Maintenance Fee. I looked it up and it is associated with the Advantage Checking account, which I do not have nor did I sign up for. I called BOA and inquired about it, they said I must carry a balance of $25,000 to avoid the fee. What? I don't have that kind of money!!

I've had my payroll check from Verizon Business deposited into my checking account with BOA for 3+ years now. I made an adjustment in my auto deposit, which resulted in me getting a live check, rather than having it deposited. When I took the check to the bank, they held the check for a week, causing several of my auto ACH's to be charged a 35.00 NSF for each. When I contacted them about this, they suggested I get overdraft protection.

Bank of america charged me the amount of $35.00 eight different times in a two week period for being overdrawn. They did not care that it was the same company(l.a fitness) over and over trying trying to do a direct withdrawl.I called a few supervisors and they almost sounded excited to not help me out.

I wrote a B/A check to pay a pool installer. the work was really bad and the job was not completed. I telephoned Bank of America to stop payment of the check and was advised on several days the check had been stopped and I did not have to worry. Well guess what the check was paid.

I have unauthorized withdrawals from my checking account of $25.90 from AOL and Bank of America refuses to get involved because I did not report it within 60 days. These charges caused my account to become overdrawn and they are charging me $200 in overdraft fees. In addition, I asked they close my account and that I would make monthly payments to them to clear up the debt and they responded we cannot close the account until the debt is paid. This means they will continue to pay AOL (who is not authorized to withdraw funds from my account) and charge me the overdraft fee. Furthermore, they will continue to charge me the $5.00 service fee each month. I explained to them I have not worked in over a year and the best I can do is make a small monthly payment to satisfy the charges and they will not accept that. So my account remains open and charges keep building because they refuse to close it. What type of business are they running?

I am a patron of Wachovia Bank and I found on April 1,2008 a $20.00 dollar bill in their lobby. Now I did the right and just deed of turning in the $20.00 dollars to the bank and in doing so left with teller Claudia Bello my personal home and private phone number in case Wachovia wants to thank me for my honesty or something. Claudia Bello verbally attacked me and I am a person who has a disability and had a doctor's appointment today as a result of Claudia Bello's stress placed on me. I was nervous and the doctor saw it.

Let me start by saying I have excellent credit. Three weeks ago I was paying a credit card online. I inadvertently checked the box to pay the entire balance of $2400.00. In addition, I had already made an earlier payment of $600.00 so no additional payment was necessary until next month. 5 days later I checked my Wachovia account and found out I had a negative balance of 1200.00. Once I determined what had happened, I called the credit card company. They fixed the problem and credited the $2400.00 back to my Wachovia account.

B of A held deposited funds for six weeks, well after the sending bank cleared the check, before allowing funds to be available in a small business checking account. Thereby, B of A could claim overdraft fees on funds they extended to pay claimed overdrafts; such credit extended without my written permission.

I unfortunately was involved in an internet scam that was quite elaborate. I received a check that was deposited in a newly opened account separate from my regular account. A couple days after the check was deposited, the full amount of the check was available to be withdrawn, which to most people means a check has cleared.

Last week, I went to Bank of America to ask for a reversal of a $12 fee. After I was refused, I withdrew $370,000 from the account. Later, it dawned on me that the Branch Manager (Yuba City,CA) allowed me to make the withdraw without showing a single piece of ID! She didn't even ask for my social security number. All I showed her was a PHOTOCOPY of a single page of a recent bank statement. Any number of people could have had easy access to that (from my home office or garbage can).

I was charged three overdraft fees for the amount of $35 each time for overdrawing my account. I made the deposit before and was charged the amounts, so my account was showing as positive. I did a transfer of one dollar to another account. Now the bank said they will charge me again 35 dollars for overdraft fee because the transfer was cleared later than the time I did the transfer. And after charging me with three overdraft fees my account was negative, and was what caused the one dollar charge to make another transaction over the limit. What looks like to be caused by the bank. A month ago I was charged an annual fee of 29 dollar that cause my account to be over the limit. The bank charged me again a 39 dollars over limit fee that was caused by them.

I had been a customer of Wachovia for about 6 months, but when I opened the account, they told me that my wife could not be on the account because her credit score was not good enough. So I opened a business account and a personal account with them. One Friday I deposited cash into the business account, and was told it would post the same day since it was cash. (The reason I did cash is because I own a landscape business, and I once deposited a check from a customer that bounced. Wachovia charged ME $40 for the bounced check that was only $35 to begin with. So I had been to the bank the check was written on and cashed it before I went to deposit the money in my account.) I later went to the store and used my debit card for the purchase, even though I had cash in my pocket, because I was told it was posted the same day. I continued to use the debit card over the weekend. The following Monday, I checked my balance and it was negative. After calling the back, I was told there were 7 NSF charges of $35 each for the debit transactions I had made over the weekend.

After waiting for a period of time, Tej Randhawa of Bank Of America in Sunnyvale has wasted my time to deposit a client's check that they stated will only take a few minutes. After waiting, Tej has decided to tell me I can cash my check elsewhere as I told him I will wait patiently as I stood in line for a period of time to get my check cashed. I need to move forward with the project; my client has signed a budget for products which now has been delayed. After speaking with my client, they were upset and I had explained to him that I cannot accept any more checks from Bank of America as they were charging $5 per check which delays every project that is assigned by my client.

If you want to dispute a charge to any of your accounts that a company has made without your authorization, BofA will allow you to file a dispute. However, when I call to dispute a charge BofA made to my personal checking account, I was told there was no way to dispute the charge, let alone file a complaint. This is illegal.

I advised Wachovia of my husband's death, he is ALSO named on the register/title, along with myself. Over the past 5months, I have made several phone calls and contacted Wachovia's representatives in attempt to resolve this matter so that my vehicle can be re-registered and my name be listed solely now that my husband is deceased. Wachovia representatives assured me on several occasions that this information would be forwarded directly to me and the DMV to have my vehicle registered and info placed into my name. Each occasion I spoke with a representative, I was told I had to wait two weeks, or that this information had been submitted accordingly so that I can have my vehicle reinstated.

I had a balance of $140. I had 2 outstanding transactions one of $112 and one for $30. The $112 was a surprise to me as the institution that took that transaction did not tell me about the $2 fee. So I had thought I had exactly $140 outstanding. In any case, these items have not yet posted or debited from my account. However, Wachovia has since assessed my account with a $35 unavailable funds fee. So I called to ask them about it. How is it I'm being charged for a $35 fee for an item that hasn't been posted? The response was, it has posted. Then why is my balance still positive? Well your actual balance is still positive but your available balance is not. They call it a soft post fee. I said, So you charge me a soft post fee and a hard post fee? Keep in mind this is the TELLER MANAGER that I spoke with, he responded with, Sounds like you could really benefit from writing down your transactions. I work in the financial services industry. I am not an idiot. I know how to balance my checkbook. But God forbid LIFE happens to you, because Wachovia will not have your back. I hope this turns into a class action.

I have been a customer of Wachovia for 8 years. Unfortunately, Wachovia bought out First Union, and since then, I have been charged so many fees. I have many instances where I may go over 2 pennies on my checking account, and Wachovia will then charge me a $35.00 NSF for 2 pennies. I think they sit and wait for a customer to fall a few cents in the negative so they can quickly charge that $35.00 fee. They have fee(d) me to death, and I hope some other bank comes along and buys them out, and replaces them with caring individuals who are not just out to fee their customers to death. Being a customer with a bank for 8 years should count for something. I am now banking with another area bank who treats me so much better.

My complaint is on on Bank of Smerica, p.o. Box 25118, Tampa, Florida 33622. The issue is their check depositing practice. I have been a customer since 1999. Because I have had issues with Bank of America before, I stopped depositing my work check electronically to them. Last week I deposited a check from my credit union account, and on Monday I checked the status, and it was placed on hold; but when I called my credit union, which is in California, the check was cleared! I called because the money was to move into an apartment, and I was supposed to give the money to my new landlord and had a deadline to leave my present apartment.

This incident was happening around 1997. I would always deposit my husband's paycheck every Friday (a FedEx company check) into the Westchester Branch's ATM Machine, even though our Branch was in Culver City. Every month they seemed to lose 1 of his paychecks and not post it until about 1 month later. Oh, I would call the bank as soon as I made the deposit to check and see if they got it. They would say it's in a misc. bank account because we did not know what account# to post it to.

I put in a PayPal transfer to my checking account on March 4, 2008. PayPal put the status as Completed at 20:29:01 PST. I wrote a check to my child's school with PayPal showing that the trasfer was completed. Bank of America (BoA) didn't put a hit back to PayPal until March 7, 2008 so the check that I had written to my child's school put my account into overdraft. As of 1:35AM on March 7, 2008, the check withdrawl was still pending so I thought I was alright and that the transfer would go through BEFORE the check was deducted from my account.

I was charged a fees of $221.52 for a second time. After I had already paid this amount over the phone with a credit card. Company has poor communication within itself. I wasted a whole day trying to get the branch manager Alex to understand my case, unsuccessfully. I went back a second day spoke with Karla R. she was able to understand my issue and was willing to help resolve it, she herself also experienced a hard time over the phone with her company and branch manager explaining my case. I would not have gone into the negative had I not been double charged by the bank. Which was a bank error. Second issue I have had with this bank.

My mortgage company switched a few months ago from World Savings to Wachovia. I recently got a letter from Wachovia stating that I had not replied to 2 other letters they sent me requesting proof of insurance, so they have taken out insurance for me (at a very high rate) and have set up an escrow account. I immediately faxed them proof of insurance, only to find out after calling that they needed my condo policy (letter was not specific). I live outside of the country and am renting out my condo. This has been a major pain to me. My condo association manager faxed them the policy, but because they did not put my policy number on it (although all my other info was there), Wachovia trashed it. I find this type of action to be unbelievable that they can just take out insurance and ask me for payment. It seems like it was an attempted scam, and their customer service people are awful. I've had to spend my own money calling internationally, waiting a long time on hold for a rep. It seems like some kind of class action law suit against Wachovia could be pursued. Has anyone else experienced this?

My husband and I transferred $1000 from our Bank of America in Sunland, California. The date was Nov 15, 2007. We transferred it to our account in Costa Rica, at Coopemex, San Jose, Costa Rica. Our account was billed for the $1000 and also a wire transfer fee of $45 approximately. The money was taken from our account, and it never arrived to our Costa Rica account. We discovered this when we went to Costa Rica for a vacation, and the money was not there. Additionally, when we tried to phone B of A from Costa Rica, even though we phoned toll free numbers, we were billed for the calls totaling about $50. We have attempted for weeks and weeks to resolve this, and we are getting no help from B of A. Our money was stolen.

I have been a loan officer for 5 years and 4 of those five years I was employed by Wachovia Bank and Wilmington Finance. Both companies were originated back east so their philosophy and business tactics are harsh and money motivated. All they care about is the bottom line... period! So keep this in mind when I am explaining what I have observed in the last 4 years.

I deposited my husband's check into my account at a local ATM. It is a small town, everyone knows everyone; the bank mailed it back to me stating he was not on my account, which caused 4 items to bounce, charging me $140.00. I called their customer service line. The rep there told me that the check was on hold until midnight, and that the funds would be released. But this didn't happen.

I opened a Prima Account through a branch and specifically told the staff that I have mortgage with BA, so any fees associated with Prima account would be waived. This is my 2nd Prima account, so I knew how the process would be. Unbeknown to me how incompetent the staff would be, she opened my account without notating the waived charges. Therefore, from 9/2007 to 3/2008, my account has been charged $20 monthly service charges. I called in March 2008 as soon as I saw these charges on my statement. I went to the branch and called the 800 #; the only thing they were able to do was to credit me for 3 months. I would have to be responsible for the other lost fees because I wasn't checking my statement. I am still very fired up regarding this issue, as it was a staff problem by BA; and they should be liable for this and give me back my money!

My ex-Husband and I had refinanced an equity loan on our then home. I had no income and bad credit. The original loan was in his name. We both signed the mortgage papers at the bank because my name was on the deed. Nothing was to be different except the equity line was being increased. A few months later as I was looking over the documents again, I realized that the loan was put into my name not my husband's. I called the bank and asked why was this done. They had no answer. I told them I had no income, and why would it now be in my name with bad credit and no job and not in my husbands who had good credit and a career? No one could do anything and told me that is how it is, and we would have to refile to fix it and pay the money to redo the loan. We were divorced in Dec. of 2005. I signed the house over to my ex in exchange for him to take over mortgage and payments. I have a court order signed by a judge where ex agreed to do so and not hold me liable.

For the second time in two years, I got a fraudulent charge on my debit card for $9.10 from a companny called Terra in FL. The telephone number (877-340-2372) listed is bogus. Wachovia refused to do anything about it, telling me that I was a cheakskate for not just paying such a small amount and forgetting it. I was told would make me sorry if I chose to pursue it. I chose to pursue it and Wachovia took punitive action against me.

I have had several complaints against Wachovia over the years. No one has ever responded. I actually went into a branch this last time and still no help. Customer Service doesn't exist anymore. I have had SEVERAL hits on my account over the years for the same reason everyone else complains about: ODF's. We could write 10 checks and 9 would clear, but because of one check being more than the whole balance, Wachovia would bounce all 10 items charge us a fee of $350.00. Send everything back, and then we would get charges from other places, and Wachvoia would say. TOO BAD. We want all of our overdrafts back from the date that we opened our account, and we will close it.

I've been having trouble with the mortgage I have with World Savings being credited when I made a payment by mail. Neither payment I made in July nor a payment I made in October of 2007 were credited to my account. I had purchased a money order each time and mailed them in. The ones I personally took to the physical locations were received and posted to my mortgage account. I finally got the information from the Post Office that neither of the money orders were processed through the bank. This caused the payments to be unpaid and subject to $39 fees for being late.

The bank cashed a stale-dated check almost 10 months old that I had credited back into my account. I did this after waiting 6 months for it to clear. When I paid my mortgage that month, my check bounced for insufficient funds, and they charged me a $35.00 fee. They claimed the check is good up to 7 years if presented. I used to work in banking, and I know it does not cost them $35.00 in expenses to handle an overdrawn account.

My experience is similar to many of the other ones listed here: predatory overdraft or unavailable funds fees. I had overdraft protection in place. I got behind on payments at one point, but was CURRENT on the overdraft line of credit (i.e. Visa) when this occurred. I overdrafted by $40 on Thursday overnight (note that when I checked my balance at an ATM Thursday night at about 8 PM, I had $130 dollars in my account). Friday morning I was $40 in arrears. I made a deposit on the following Monday, by which time I had incurred $245 in overdraft fees - for FORTY DOLLARS in overdrafts!

Today I received an email from Bank of America saying they put my balance to below zero and are going to take my direct deposit check on Friday. I simply deposited a check I received from the State Treasurer's office, and they made it available. Then 5 days later they said they returned it to the Treasury. I need help a.s.a.p.

Deposited a check in the amount of $400 for a car I sold on Ebay. The buyer is located two hours away. After the money had shown as cleared online, I spent the money. Two days later, my account shows as over $1200 over-withdrawn.

I recently was charged $175.00 in unavailable funds fees from Wachovia. This was the result of a check posting to my account that put the account in deficit. However, Wachovia decided to post this check in favor to several smaller transactions that had been in hold status while the account had ample funds. Once they account was overdrawn, they put through these smaller transactions, each of which incurred a $35.00 fee for unavailable funds. One of these transactions was actually an ATM withdrawal. How could the funds be unavailable if I already had them in hand? I would like a substantial amount of the fees refunded to me. I really just think someone should look into this very suspect business practice. It is criminal.

There is no way I signed up for Credit Protection Plus. After digging further, Bank of America uses a third party company called CIC which administers the plan. I was charged two big fees before realizing they fraudulantly enrolled me in the plan and the last charge pushed me over my credit limit which alerted the credit bureaus that I am over the limit.

I have a checking account with Wachovia Bank, and use a debit card to charge purchases. Last year in June, my account was charged $88 overdraft protection for 4 purchases (biggest being $9). I called the back at the time, and requested that overdraft not be allowed on my account. I was told that it would ensure that my account does not go in overdraft.

I have banked with Wachovia for around 12 years. I really haven't had any trouble for the most part that was not self-induced, until about 7 months ago. Around August of this past year I really started getting hit with some crazy ODF numbers. I always just blamed myself....that it was something I was doing. I started really hammering down, checking my account daily, trying to keep a current balance, etc..

I have been with Wachovia bank now for 10 months. It has been a horrible, costly experience for me and my family. I found out today that my account is overdrawn by $912.97 and still have 2 transactions that they have on hold. We track our money real closely and our account balance was at $882 before the bank closed on Friday. They tell us on Tuesday that our available funds were only $712.92. With no transactions occurring between this time. Several times now they have held transactions to try and get ODFs out of me. I have called different merchants and have them tell me they have already posted this transaction. Wachovia will tell you that that is when they sent it not when it posts with the bank. Yet, when it suits them the transactions post almost immediately. Sometimes they hold them for over two weeks but your balance wont reflect the hold. Someone needs to stop them from doing this because people like me live check to check and now we don't have a check to live on this week.

I recently opened an account with Wachovia. I've been dealing with a Credit Union for many years but decided it would probably be best to have a few bank accounts. I made several check card purchases over the weekend. I also wrote a check for $2000. I check my account on a daily basis and when I checked it this morning I had an overdraft fee of a whopping $198! I called Wachovia to find out how is it possible to have an overdraft fee of $198. I was told that my transactions are processed from the largest amount to the smallest (even though a lot of these transactions have still not posted to my account INCLUDING THE CHECK FOR $2000). Meaning they processed the $2000 check first then all the smaller transactions next even though they are still on hold. It does not matter what order they come in. I received a $22 fee for each of the 9 transactions that was processed after the check. Many of these transactions were under $10. In all the years that I've had a bank account, I have never heard of something so ridiculous!! In addition I made a deposit yesterday that would have covered all of my transactions and they did not post it until this morning. I am closing my account with Wachovia IMMEDIATELY!

I was signed up for an Insurance Plan to which I never agreed; when I tried to cancel, they said it was taken care of. I was busy moving to a new area, and I wasn't aware the entire time that the Fee for the plan I never wanted was causing me to become overdrawn. Their own overdraft fees were further causing me to become overdrawn even more so; they kept multiplying until it got to $711+.

On 01/16/08 a $3,100.00 check from a State Farm Insurance settlement was deposited on a regular BofA ATM machine. A week later I called BofA customer service 800 number to ask about it, only to find out that the check was never cashed because it was issued under my name as well as my boyfriend's name. I asked the banker to send me the original check to my current address.

I am getting really tired of Wachovia telling me when I often ask if the deposit goes in first before any deductions are taken out of the account and I get the same answer of Yes however that is not the case.

In 1999 my husband and I were looking for a way to invest a lottery winning. Wachovia (First Union at the time) was more than happy to help us plan out our lives. We received so much support in investment strategies and oppurtunities for our future. We were advised to invest all of the money with Wachovia and take loans out against the money. Sounds dumb now, however, Wachovia showed us how our investments would earn more than the interest on our loans. Even if the markets were to change (which they did) we were building a long term relationship with the bank and that would work in our favor.

I canceled an online payment for my checking account. It is the first time I ever did that and I was under the impression that the payment was canceled. Wachovia still made the payment and because of that I was over draft and charged two over draft fees for the total amount of $70.00. I called and complained about this information and most of the people that I talked to said I should have realized the payment was not canceled. My response is that when I did click cancel payment? A pop up said cancel payment? Okay and I figured that everything was fine.

I deposited 100 dollars into my Wachovia checking account through a Wachovia ATM. I wanted to make sure it was in the account so I called the bank. Money was in, good to go. I made 3 transaction that afternoon, wrote it all down in my register, then went online to their site to verify it all. suddenly the money wasn't there. I got hit will a combination of Unavailable Funds fees and Over Draft fee's. The fees cost more than the 100 bucks I put in the bank.

I asked 15 days ago by letter for the transfer of my money in my French bank because I am now living in Paris. I sent also a copy of my passport and a piece of my blue card. Nothing has been done, and I have no way to communicate. The only phone number I have is an answering machine. Thank you to tell me how I can speed up the process and be sure it will be done.

I was admitted to the Veterans Administration Medical Center in Asheville North Carolina on July 9, 2007. I was discharged on July 19, 2007 after receiving 3 units of blood, 1000 milligrams of iron and platelets. I was given a diagnosis by the cancer doctor at the VA hospital August 13, 2007. I was told that I had had acute myeloid leukemia for at least a year and had approximately one year to live. I was hospitalized again on October 27, 2007 at Park Ridge Hospital in Fletcher North Carolina. There, I received both blood and iron and was discharged November 5, 2007. I have credit cards with Bank of America, Household Bank, Providian (Washington Mutual) and Chase Bank. Although I had Credit Card Protection with all of them, ONLY CHASE BANK immediately deferred my payments with zero interest from the time I let them know I had cancer. I called Chase Bank; they gave me time to send proof of my condition, it was that simple!

I have all but cleared out my account at Wachovia and only use it for business I can't do at My Credit Union 3 hours away. I am human and from time to time make an addition error. This time I was unaware that I had made an addition error. 2 transactions went through bringing me into the negative $7.02. Wachovia put through the larger of the 2 transactions first so the could access two $35 NSF fees. I immediately deposited $7.02 and called Wachovia asking them to waive the fees. The best they can do is now 10%. $7 out of $70. I tried to contact Ken Thompson the CEO of wachovia back in November to try to resolve another issue. His office would not reply. When I spoke to the people at 1800wachovia, they will not give out a phone # to there executive offices, but the will give an address.

I am convinced that Bank of America is profiting from charging bogus overdraft fees. When making cash deposits prior to the cut-off time, I've been told it would post the same day only to find out they post the following day, which has resulted in overdraft charges. Also I paid $28 to do a stop payment on a transaction only to find out after they sent the transaction through and that it takes 3 days to stop the payment. There was nothing in writing stating this and the customer service rep who helped me never mentioned it when I paid the $28, which was deducted from my account immediately. Then when I called customer service, they told me there was nothing they could do; but, valued me as a customer.

I opened a checking account online with a savings account. Months later BOA converted because of to many withdrawals. I understand the change to a checking due to the issue. However, they convienently forgot to switch the automatic savings plan off since it was no longer going into a interest bearing savings. This has caused many headaches for me.

Bank of America wiped out my checking account, without my authorization. My daughter, not on this account, was a counterfeit victim, she cashed money and the bank used my funds to cover their loss. However, she is not on this account, I did not have anything to do with it. I'm 83 years old.

Everything that I have read on this website about Wachovia is so true as I had it happen to me repeatedly over the past several months.

They have refused to return approximately $30,000.00 that was fraudulently taken from my handicapped, bedbound, and now deceased mothers accounts with them. I have sent them proof of this, the names of some of the people who did it, which I had to investigate on my own while grieving the death of my mother since Wachovia was doing nothing about it., copies of the checks along with some of the peoples arrest records, which include FRAUD.

I used to work for Wachovia for over a year. I left after two weeks notice. Apparently, they figured I didn't deserve the last paycheck I got by direct deposit. They took it back after I had spent most of the money and was still in the positive. When they took it back, they put me in the negative and gave me overdraft fees for about twenty or thirty check card purchases. The lady I spoke to at the 800 number refunded about one or two hundred dollars, but that's it.

I made a deposit of 731 dollars into my account which has now disappeared. I contacted the branch and they have no clue what happened to the deposit and they weren't going to take further action until I showed them a deposit slip. Luckily for me, I save these slips just in case. Now, they have made an investigation even though they can clearly see the deposit isn't showing and I have proof of this deposit. I am waiting for a check to go in for my rent and I am totally worried because they are taking 24-42 hours for the investigation. How can this have happened?

I signed up for a checking account on Nov 30, 2007. A bank representative offered me a credit card with BOA which I took. At NO TIME did I agree to Credit Protection Plus which was somehow added on without my permission. I was billed approx $90 per month. I have been out of town for 2 months and paying my bills online therefore did not notice the charge for over 60 days until I saw the actual statements. Neither Credit Protection or Bank of America will refund the money that was stolen from my account without my authorization.

We closed all our accounts with Bank of America in Oct. and Nov. of 2007. This includes all checking, savings and visa accounts. On Friday, Feb.1, we received a letter from Keith Palmer stating that he had in fact closed one of our accounts due to a history of delinquency with our creditors. Not only have we had to literally fight to close our accounts with Bank of America, but now we are receiving mail that in fact slanders our name and credit rating. The letter gives no dates or proof. This sort of treatment has been going on for some time, and we are feeling not only slandered but feel they are in fact harassing us and our good name. We have the closing receipts showing the dates all accounts were closed. The letter received from Keith Palmer is dated for Jan. 24, 2008--clearly after the date that all accounts were in fact closed by us.

Ihave noticed that Bank of America charged me $350 in overdraft fees because they charged out first from the big amount and them the small amounts, to make you fall in overdraft fees--even though you have spent small amount in the morning and the big amount after 4 pm. For Bank of America, it is when you withdraw money from your account after hours (4 pm), they won't count it for next day transaction; but if is a deposit after hours, they will credit it on the next day transaction. That is how my account falls on overdraft.

I placed a stop-payment order on Wachovia's website on Jan. 21. It was payment for COBRA health insurance coverage that I was informed, two months after the fact, that I did not have. On Jan. 22, Wachovia charged my account its $30 stop-payment fee. On Jan. 23, Wachovia honored the very check on which I had placed a stop-payment order. Wachovia refuses to credit my account the amount of check, and worse, refuses to refund the $30 stop-payment fee.

I opened a online CD after seeing an ad in Bank of America website for APY 4.85. However after signing up, the bank gave a rate of apy 4.75%. My complaint is about the time taken to reach a customer via telephone and their ability to resolve the problem. On the first attempt I spent nearly 50 minutes and gave up. Because they transfer from one dept to another and so on. And at one point, the system disconnected. BofA ask so many questions in the name of verifying my identity and finally that guy doesn't resolve, again goes to another dept. I did a simple math for the interest amount that I will lose on a .1% which is about $8 for 4 month. So I decided to give up instead of wasting my time. On a different note, I want to notify them about the maturity date and it is so far taken 20 minutes to reach them, so has to disconnect. Poor Service. I will not choose BofA in the future and eventually I will close all my business with them. Another funny thing they provide in the cd receipt of associate phone number as 800-432 1100 which takes to a bad entertainment line.

I went to Bank of America to cash a cashiers check I received for $4,000. I asked the teller if there is some way to verify the funds, or verify the check. The teller said this is a cashiers check, it is guaranteed funds--meaning there is no way it won't go through. I depended on the teller's promise to me that there is no way there will be a problem with the check. I wrote a check back to the sender of the $4,000 for $2,400, and found out that the check was later canceled as fraud. (I later find out this is a huge scam.)

On Jan. 16 I unintentionally overdrew my account by .93 cents. The next day I deposited $140.00; however, the damage was done. I have received four $35 charges totaling $140. I am presently overdrawn by $53.34 and have no way of catching up. I was told to take a register because I don't know how to count.

Recently I accrued a total of $155 in overdraft fees. The first overdraft fee was posted before a negative balance was shown. If you add the overdraft fee to the available funds, the next charge would have cleared with money to spare. After contacting Wachovia I was told that this happened because other purchases that were on hold? had amounted to a larger sum than the available funds. Three subsequent overdrafts ensued the following day. Realistically, two more should have occurred based on the sequence of purchases. I say two more because of the largest to smallest processing these banks are allowed to conduct.

I had 2 cd's mature in Jan. One on the 12th, one on the 19th. I called on the 12th to have money sent to me. I called again on the 19th and asked also about the one on the 12th. Told they could not mail it as they had a po box. I gave them my address. They said both checks would go out express mail, no charge. Then I got an email saying the check from the 12th went out on the 14th! They cannot tell me where they sent it for sure. It is the 25th and still no check. I learned from them that their normal practice is to mail those checks out 3rd class mail, 7 to 10 business days!! They keep your money tied up in their bank for longer, by not using 1st class mail, or they want you to pay $16. for express (which they call 1st class) 3-5 days.

I have incurred $105.00 in overdraft fees when my account is not overdraft. They are charging me on pending charges from my debit card that have not yet posted from the merchants. How can they charge fees on money that has yet to change hands? If the account is not overdraft - how can an overdraft fee be charged?

Wachovia is a very sneaky bank in my opinion. I believe that they have a policy that they process the highest or most amount of money that you spent on a check card. I fell victim to this very sly way for gaining another dollar. I had deposited $31.22 in my checking account. I've come to this website before and I knew that the Online Banking that Wachovia has is somewhat delayed in the time that the information is processed. So after depositing the amount the $31.22, I waited 3 days for the money to be processed. Soon afterwards, I made two purchases online, which brought my account down to about $5.62. After going online, I saw that it had been correctly deducted from the account. So, I make another purchase, which I end up overdrafting on only 24 cents. To balance that, I deposited $5 into my checking only 2 hours apart from when I overdrafted. So the next morning, I see that I have overdrafted $22 two days ago! Apparently, when I deposited the $31.22, I seperately withdrew $18 dollars and had $12. Then I overdrafted somehow, which put me in by $22 and the next day, I put $5 into the account first. THEN spent more money on the next two purchases which gave me even more overdraft. The total owed was $85 by the end of the day. So my question is, how could I overdraft, when I apparently spent $18 from $31.22? And yet, the representative I spoke to said that I only had $12 and that I spent over that.

I had made a payment to my car insurance company with my check card from Wachovia and about an hour later went online to Wachovia to check my account and to see the balance. After I had made the payment to the insuance company, I had a remaining balance of just over $100. That was on the 20th of January. On the 22nd of January I made a deposit of over $350. In between that time a few check card purchases were made each not exceeding $10. Just before leaving the house to go grocery shopping on the 25th of January I go to my online Wachovia account which to my complete shock says that I have a balance of $58! A fee for $4 for a non Wachovia ATM withdrawal and a $140 overdraft/unavailabe funds withdrawl is showing on my account BUT when I check my account and ask for a listing for all ATM withdrawals it shows no ATM withdrawals! How can I go from accounting I have at least $400 in my account to the online account showing I have only $58 and withdrawals for overdrafts and ATM fees that I have not done nor should be charged for! My husband and I are so upset and as of today we are closing our account with Wachovia.

My personal checking account was debited $5600 without any notification because they stated that my husband owed a balance of B of A credit card. I asked what that had to do with my personal funds and was told his social security number was traced and his name was added to my account.

My husband and I have our business account with Bank of America. On Jan 15, 2008 a $867.24 check was debited twice from our account. I called the bank and the customer service rep said she filed a dispute and the money would be credited to my account in two business days.

I went to Bank of America to cash my paycheck (as I do every two weeks). They handed me a counterfeit $100.00 bill, and of course I did not realize it until I tried to use it to pay a bill. The person I gave the money to, retained the bill. I went back to Bank of America after realizing what happened and their answer: Sometimes that happens!

A few months ago I noticed that Bank of America's billing system was putting the due date on the weekend. However, their online payment system will not allow you to use a weekend date. I called after the January payment was credited to my account on the 14th to ask that the late fee be removed. I was told "No, we are not going to do that." After an exchange with a rude customer service rep, I asked to speak to a supervisor. The rep told me "It will not do any good; she is not going to remove it either." At that point I informed her that I wanted to report her bad attitude; I'm still waiting for their call.

Bank of America just loves to complicate things. Their online bill-pay service is intentionally misleading and deceptive. I paid someone $150 with this service. It was set to be delivered on a specific date. On that day the website said it was sent, and the funds were withdrawn from my checking account--except they weren't. I noticed the balance had not adjusted. I called the 800# to ask about it, and they said they do not withdraw funds for at least 24 hours. But that's not what bill-pay said; bill-pay said the withdrawal was made the day the payment was delivered, nothing about a delay. If I had not caught that I would have spent money that was already spent.

I did a wire transfer using Bank of America in Baltimore, MD to my own account in India using SWIFT codes. I was told that India is a slow to pay country and it takes about 3 weeks and no investigations would be done till then. It has been 2 and a half months and it hasn't gone through. My bank in India has not received any information regarding this from Bank of America and Bank of America is not willing to help. Every time I contact them, they tell me that they are sending e-mails to the bank in India to find the status and that the money is in India and nothing can be done about it and it is possible that I might lose my money. I have no clue as to how to go about it. Please help!

Last 3/2006, called into BOA to check my account balance, and found that I have been charged $300 for a safe deposit box! I have called their customer service operator and have been told that I am listed as an owner of the box. I have tried to explain to the person/s who I spoke with that I was not the owner, but rather, the signee to have access to the box in the event of an emergency! I was told that I would need to speak to the branch location to have my matter resolved.

Bank of America denied payment on Jan. 4, 2008 of a credit line check issued Dec. 28, 2007 in the amount of $7000 to solve a business collection account. The bank later claimed that they had unilaterally closed this account without notice to me on Jan 4, 2008. A letter dated Jan 4 was received in the first class mail on Jan 15 stating that the account was closed. Their explanation was that one payment on this account was late, but no notice of the payment being past due was ever issued until after this account had already been close.

Bank Of America has charged me a fee of $100 because they received a court order to garnish my checking account. They said it was non refundable. If any one is going through some financial difficulty wouldn't your bank be the first place you would go to for help? I lost my job 9 months back and things became tight. Some of my creditors were put on the back burner because keeping my house was my main focus. I'm now just starting a new job. I feel that the fee my own bank charged me is very unethical or should I say down right wrong.

All of my bills are due on the 8th, since I prepare bills the end of the month. I was with MBNA, and when Bank of America bought MBNA, I arranged for a payment due date of the eighth of the month. It has been about a year since B of A has the account. Preparing bills the end of Dec, I noticed the bill was due on the first of Jan!There is no way the mail would get the payment to B of A in time to avoid a late fee! I called on the telephone and made the minimum payment, $15, (sent in by mail half of the outstanding balance that day also), and was told there was a $15 fee for a telephone payment. I complained about the date change without notification, and was told essentially that the old due date will be re-instated, but I have to pay the telephone transfer fee--and be thankful I did not have to pay a late fee of $35! Boy, that is scraping the bottom to make a (dishonest) buck. I will not be using this card in the future. I expected better from B of A. Be on guard!!

My son has a campus checking account in my name and his. He made a debit card transaction on 11/29/07 that didn't show up in his account until 1/7/08. We thought it had cleared back in November. It did not show up as pending on my online banking; it just cleared overnight. Due to BOA's policy of processing the largest debits first, down to the smallest, this transaction, which should have caused, at most, one overdraft fee ended up causing five, totaling $175. BOA, after I pitched a fit, credited back $86 of the $175, and then I was later able to get another $35 taken off. This is the second time in a week that I have checked the account before the cutoff time each night for transfers, thought the account was in good shape, only to wake up the next morning to a handful of overdraft charges. Some of these charges come from ATM withdrawals, where they could have simply refused the withdrawal if there were insufficient funds. I have researched banking law, and everything they did was legal. My complaint is that it should not be legal. I don't feel good about entrusting my money to an entity that is using every legal means they can devise to get it away from me. I'm ready to put it under the mattress.

On January 7th, I checked my bank balance online which gave me a positive number. On the 8th, I made a deposit for over $200. Later the same day I checked my balance online and found that I was charged three overdraft fees even though on the 7th at night, I had a positive balance. The total amount of the debits were less than thirty dollars. The charges were more than three times the amount that I had charged. I made these charges because my bank balance was positive and more than the amount that I had charged. One lady told me that as long as I deposit money, there wouldn't be any charges while another representative told me that the bank will go back and clear debits or charges on the day that the card was used, not the day that the transactions cleared. Regardless, I'm out $105. On top of it all, I went to use my husband's ATM card which was not a Bank of America card. I waited for the card to be returned and it was not. I then went to the teller and told her immediately. She said they do not return ATM cards from other banks. My husband then had to cancel his card and order another one. He got charged three dollars for the transaction plus a loss of the card.

I sent a wire transfer of $4,500.00 from Bank OF America Orlando, Florida on 10/10/2007 to Trinidad, and to this date the recipient has not received it and neither has their bank any information about the transfer. I faxed my wire transfer receipt to the bank and the recipient and confirmed all the information I gave to Bank Of America was correct, but still they have not been able to transfer the money, and the money is not in my account. This is all my savings. I have been to the branch several times, I called their wire transfer department but they are pointing fingers at each other - the wire transfer department which I called on 1-800-729-9473 said I should speak with the branch I sent the transfer from, the manager Mr Evans & the assistant manager Ms Patel is saying it is in the hands of the wire transfer department. This is very bad business, my relatives needed this money for medical costs, I have to keep chasing these people, and all I get is bad customer service and serious runaround for my own money. This transfer should have only taken approximately 3 days, it is almost a month now and nothing, can't I get some justice here?

My husband and I are traveling. We are approx 100 miles away from home. i called B of A to request an increase of the amount of money that i am allowed to withdraw from any ATM (i have done this many times in the past without problem). When I made the request via telephone with an actual person I was immediately placed on hold and subsequently disconnected. I then called back and was told that my B of A bank card hes been cancelled and there is nothing that can be done to reinstate the card and furthermore there is no possible way that I can get access to any of my money in the bank. I have called 8 or 10 different individuals at B of A including their emergency services unit and every one of them are refusing to help me get access to any of my money.

I went to the bank with $1000 worth of checks which I wanted to cash against one account (one I have with my mother) and deposit the cash in my account. My mortgage payment was scheduled to be electronically withdrawn the next day, and I wanted my deposit to go in as cash. I was told that they could cash my checks for me and give me the cash, but they would not deposit the cash in another account for me. I spoke to the bank manager, and he gave me the 1-800 number to make a complaint to. When I left the bank, I called and they told me that this is now a rule. It makes no sense to me to be able to receive cash for the checks, but not be able to deposit the cash. They explained to me that this rule will help reduce fraud. I think it's an unfair practice for the consumer.

I worked for Progress Bank in Plymouth Meeting, PA for ten years plus 5 months. Approximately 7 months before leaving the bank, I transferred my 401k to Vanguard (completely forgetting I now had almost a year’s worth of 401k funds that I had not remembered to transfer). Consequently, Progress Bank was sold to Fleet Bank. I allowed my checking and savings account to be moved to Fleet Bank. About 3 years after buying Progress Bank, Fleet was bought out by Bank of America. This past September 2007, I received a letter from Social Security telling me that $2,195.00 in IRA/401k funds were showing up under my name. My first step was to see my branch manager at Bank of America in Trooper, PA.

I went to an ATM to pull out money for lunch, when I got my balance receipt it said my balance was -$9. I called the bank to find out how I could have a negative balance and they said they give me the money from the atm as a courtesy, but charge me the overdraft fee anyway. Due to the money they let me take out and my poor banking skills I overdrafted three more items under their pay the highest debt first rule leaving me with a balance of -$198.80. I asked them to return some of the $175 in overdraft fee's and they told me no because of previous accout refunds for problems with their deposit processing scam - the one where you have the money available, but it can't be used to pay things because it hasn't posted.

I was charged 8 overdraft fees in one day! The policy states 5 days (so I have heard). I asked the customer service rep about the policy and he said it was 5 so he refunded me the 3 that weren't supposed to be charged. This is computerized, right? That seems like a scam to me that if a person doesn't know the policy then they just pay it.

My husband and I are on disability that we receive by wire transfers from the state and federal into our Wachovia account. One is on the 3rd and the other on the 1st. Before we became Wachovia we were called World Savings and Loan. When the transfers of our fixed income were made they put holds on them, so that 10 transactions came through and they bounced them to the tune on $225. Right now I can't get a hold of them because it's the middle of the night. I was worried that this might happen so I checked my account earlier today and they had my wire transfer made and no other checks had come in. I couldn't sleep so I came in to check it again and now see that they have done this. So My husband and I are going in tomorrow and closing our account with them.

In October of 2007, my payment of $500 to my equity line was never credited to my account. When I inquired at the bank, I was told to send proof of payment. I sent a copy of my check endorsed by Wachovia. 3 weeks later, I called again, since nobody ever contacted me, and was told they would not give back my money until they had investigated where it was. 2 months later I was told I never sent in the proof! 3 months later, I still get a run around, as if it is the first time they have heard about the problem. I have been paying interest on the balance without having my payment credited.

I am currently a Wachovia employee. I have just given my two week notice; all the complaints on this site are so very true. It's like I am employed by Satan, and I have to sell my soul (lie everyday) just to get a paycheck! I am tired of having to explain that YOU MADE A CHECK CARD PURCHASE, WE PUT THE FUNDS ON HOLD, HOWEVER, WE ALSO LET YOU MAKE ADDITIONAL PURCHASES, STILL USING THE FUNDS ON HOLD, AND IN THE END CHARGED YOU ALL THESE FEES, HOLDING THE TRANSACTIONS, AND PAY THEM FROM LARGEST TO SMALLEST, (NOT HOW THEY ACTUALLY POSTED), JUST TO GET $35 FOR EACH ITEM PAID!

I was charged over $250 in overdraft charges. I always call my bank when I am going to make a purchase; when I called the bank it said I had $54 available. I made a purchase at the supermarket and at a local store in the same night; the following week I went to make a deposit in my account and it was overdrawn by $70. Then there was an error draft on my account which caused more overdraft fees that just domino'ed until it reached over $250.

I am constantly losing money to overdraft fees to these banks because the are given the power to set up their banking system to rip off American citizens for billion of dollars a year. There are too many times this happened to go into detail on what happened. The point is that England fought for her citizens, and America need too as well.

We have done business with BANK OF AMERICA now for over 5 years. When our son turned 18 we opened his first checking, savings and a credit card. We watch our bank account online everyday to make sure all is well. If you look at your account first thing in the morning you will see what was debited from your account that morning, and if it is negative you can go to the bank and deposit CASH so it's credited that day--and then there are NO NSF fees. BUT I checked it on Dec. 23-Dec. 25, 2007, and my account was positive and all was well. THEN the morning of the 26th I checked it, and it was $22.00 negative, and they back-dated it to the 24th. I went to the bank as always and deposited the money to make positive, then that night they hit us for $105.00 NSF fees.

My husband found out at the last minute that he was due to deploy way ahead of our initial schedule. My husband, in an extreme desperate plea, went into this Bank of America location to request a notary on a passport--and it happened to be Christmas eve because he was told he was leaving on the 26th. He was turned away because he wasn't a member! I am appalled that this business is privilidged enough to be located on our Post; and my husband is getting ready to leave for war to fight for them, yet they turned him away. I say Bank of America should no longer be on our bases to serve our military, as they choose not to serve them in time of need. I'm a very angry, upset Army wife.

I have been with Bank of America for about three years. I switched from a local bank due to them not having internet bill pay. Over the last two years trying to get a live person on the phone without having to go through their automated voice system is an effort; you better have at least an hour of your time to do so. I went to a local branch in order to clear up some issues with my equity line of credit, and they gave me an 800# to call. They could not help me in the same bank center that set up my account. I was transfered 5 times before someone could help me, and then I was instructed she would have to transfer me again in order to draw funds out of an account to pay my equity line of credit.

I recently was charged $220 in overdraft fees from my Bank of America checking account. I over withdrew 5 times so they charged me $30+. I had a pending deposit yet they still charged me the fees. I think recharging people a $30 fee every time you overdraft is excessive. There should regulations in place to restrict how many times they can charge you after a certain amount. When is someone going to look into their policies on excessive charging of fees at this bank?

On the evening of December 6, 2007, I made a deposit of 4 money orders at a Bank of America check card, for a few days later I made out checks to pay my bills and used my ATM for a couple of purchases. I went on line a couple of days later to check my balance, and I discovered my account was a negative the amount of the deposit I made and all checks and ATM purchases. I was charged a $35.00 over-draft funds fee. From first glance it looked as if the money was credited and my withdrawals were subtracted, but it wasn't; and after several attempts to get BOA to release my money, they refused and continued to extend the day my funds would be available which would be on December 15, 2007. Then they said December 18, then December 19.

On Dec 10th, I attempted to purchase a phone online and when asked to verify my billing address with my (BOA) visa debit card it was denied. I called customer service and was told, "sorry, we have your information (address phone # and birthdate incorrect)" and that's after I had to give them all my info because they did not believe it was me. So finally the correct update was made. We have been customers of BOA since 04 and have lived in our home for 10 years. No alerts were sent..

My husband fell behind in child support, & our checking acct was levied. I understand, but the courts or bank did not send us anything advising this was going to happen. Lo and behold, my paycheck goes in and it is still negative. They charged us $560 in fees. We used $3.12-$35 fee. Of course the higher amt was paid, but the small charges add up. I contacted the customer svc line and advised her I did understand, however, it is Christmas, and I have two children myself who will now not have a Christmas, or food for that matter. She told me to not have a joint account with my husband. I begged and pleaded for them to reverse my fees, I really don't want to ruin my children's holiday and we have been customers for over 15 years. She said she would waive $120. She never did and now, for some reason, after we have already brought the acct to a positive, we are negative $200 again! I can't even deal with it anymore. We live paycheck to paycheck, it is Christmas time, and I worked at a Credit Union for several years, and we would never have treated our members like that. So I have now opened an acct at a credit union and will NOT pay the negative balance to B of A. I am so disgusted with them!

While visiting our children in the USA, my wife and I went to the Wachovia Bank at Midstate Mall, 300 Route 18 North, NJ 5618 to cash American Express Travelers cheques. After I completed and signed the cheques, I was rudely pulled out of line and told by Cathy Balewitz (sitting at the front desk in the lobby), that my cheques would be refused to be cashed by the bank. No explanation by me was accepted. My request to speak to somebody with authority was refused. I begged her to please check with her Head Office without success.

I purchased a new 2007 Hyundai Santa Fe in Aug. '07,and Wachovia Dealer Services is the auto loan provider. Before accepting the vehicle I obtained approximately a 1.8 million dollar insurance policy for full coverage on the new vehicle. The full coverage was verified through Farmer's Insurance at the Dealership and forwarded to Wachovia. From August 2007 through December 5, 2007, the insurance agent, the policy holder/provider and I have faxed, phoned, and certified mailed, full disclosure of full insurance coverage. Wachovia arbitrarily assigned their designated insurance coverage, attached it to my auto loan and proceeded to add that insurance, as well as subsequent late fees and collection charges, to my auto loan acct. To date the 2 agents and myself have contacted the company on average of twice weekly.

In 2005 I bought a new Dell computer from Costco here in San Jose. I had an Internet account prior to the purchase and decided to sign up with AOL's free trial 60 day promotion. I cancelled the AOL Account three days later after getting my regular internet provider installed on the new computer. I went to Bank of America and opened up a new checking account to keep the AOL and other purchases seperate from my regular banking. I kept receiving NTSF notices from B of A for six months in a row until I requested and recieved a paper copy of my checking account. AOL had developed a SECOND AOL account and was charging me full price each month! I notified AOL after numerous tries, 32 times, and their responce was, "Yes, we can see you never used your account after three days but we will only credit you for 2 months only."

A check was mailed to the bank made out to me. I never had seen the check and I did not endorse it. The manager and the ATM informed me of a high balance. The manager tried to sell me securities. I withdrew funds. I was accused and indicted for Bank Robbery and Forgery. The bank refused me a line of credit to repay all of the funds. Thanks that they were absorbed by Bank of America at this location.

We contacted Bank of America in late November 2007 to close our account with them. They asked if there was anything they could do to keep our business. We asked for a 0% offer until November 2008 on $18,000, and they agreed; but there was a $90 balance transfer fee that we were willing to pay. We since have gotten our first bill from them and find out they charged us 1.9% on the loan and have no record of the transaction or who did it. We are furious and don't know where to complain. This is a terrible business practice. The man on the phone said he had to talk to his supervisor two times, and then went ahead and told us it was a 0% offer only to cheat us out of $90. Now we have to move this money somewhere else.

My sister deposited $640 to my checking account, and when I went to take it out, it said funds were available. Then they told me two days later that they weren't available ,so now they are charging me overdraft because I didn't have enough funds to cover the $640 withdrawal. I feel this is a form of trickery, and I feel I shouldn't be charged.

I went to my Wachovia branch this morning to deposit a check (a Wachovia check) that my husband was supposed to deposit yesterday, but didn't. In the meantime, several very small (none over $12.00) check card purchases and an ATM withdrawal of $20 are showing on my account. Unfortunately, the purchases caused an overdraft of $-42.63. I had $50.00 in my savings for supposed overdraft protection which could have covered these purchases had it been transferred over BEFORE they assessed $175.00 in NSF fees. I called and spoke to 2 different people and they explained to me how 1) online is not real time and 2) that's not how overdraft protection works. I'm so upset that this is their explanation - it doesn't make sense that the overdraft protection really doesn't protect from overdrafts at all. I don't believe that the overdraft protection is protection at all. If the $50 doesn't make a difference (as they claimed), then why do it at all? And then charge me $10 to process the transfer on top of it. The rep refunded 15% of the charges ($26) as a courtesy, but I still feel like I've been lied to about overdraft protection when it was pitched to me.

On a Monday afternoon, I received my check and went to my bank, BofA, to deposit it. Later that evening, I went shopping and had no problems for quite some time until I went to a store, scanned my debit card to pay for my purchases, and it was declined. After a few more times scanning it still declined. So the cashier scanned one item at a time, and had me scan my card for each item, which happened to work. Trying to figure out what was wrong, I went to an ATM and tried to withdraw some cash. The atm wouldn't allow this, so I went home and checked on-line banking status: $509.45 in checking and available balance of $0.00.

I worked at SouthTrust Bank for twenty years. I resigned to go overseas. Upon leaving I was told, "Stay in touch. You will have a check coming upon retirement." I return to the USA and find that SouthTrust Bank has merged and is now Wachovia! I have contacted them with no luck--both locally and at Wachovia's home office, out of state. I've searched the internet for possible links....with no luck!

I cashed in a cd that came due on Oct. 16,2007. I called Wachovia and asked for a dispersment of the funds. They said they will send me a check. 5 minutes after I called the funds were removed from my account. As of today,Nov. 28 I have not received a check.

I am furious with my recent experiences with Wachovia. I check my account balances daily if not more than once a day. First of all, you cannot count on the information. They change it to force overdraft fees. For example, the ATM and withdrew $20 in one transaction. I then immediately made a deposit into this same account. Later then I looked at the account, there were FIVE transactions in between the deposit and the withdrawal! I then get home and make screen prints of my online banking screens and that balances they gave me at the ATM were NOT there!!! I have even had them rearrange the withdrawals and deposits in my account to cause overdrafts!

I recently had to withdraw money out of a BofA savings account. Although I did make an early withdraw I feel BofA was way too stiff with the penalty. They have raised the fees too high, and I feel I have been treated unfairly. I would like to know what I can do to get BofA to waive the fee and return my penalty money; if you could help I would appreciate it.

In March 2007 I closed a checking account at Bank of America and opened a new account. The account that I closed, re-opened and the mortgage with Bank of America was then drafted out of the old account; but funds had been placed in the new account. I have been to four branches, e-mailed, called on-line banking and the dept. to work out problems, and cannot get this problem resolved. My home is now in foreclosure.

I never dealt with a bank like Wachovia. The people of this bank are unprofessional, and lying to customers is their motto. I deposited a check through their ATM hoping it will be cleared the next day as they promised when using ATM for deposits. That did not happen; it took 10 days for the check to clear, and every time I call they gave me another lie. I CAN'T WAIT TO CLOSE MY ACCOUNT WITH THIS BANK. I really do not advise anyone to bank with these kind of people.

I deposited over $3000.00 in my BofA ATM on Friday morning, as I have done for over 6 years. Saturday, I noticed they had not posted the deposits. I called and the person said they were on hold because they were out of state checks. Well, they have been processing them for 6 years. He said they would be posted in a week or so!

#1-Wachovia did not credit an ATM deposit made before 4 PM stating teller work was not complete.

Wachovia charged an overdraft fee for an hold that was not charged. I was charged 2 overdraft fees for a hold that was about $1, which caused my account to be negative 28 cents, so Wachovia charged a $57 overdraft fee. This is more than 200 times the 28 cents! Unlike other banks, Wachovia does not refund overdraft fees for less than $1.

Bank of America solicited me for a $50,000 personal loan. They said $7200 would pay off a Bank of America credit card and the balance of $42,800 would be deposited directly into my checking account. The statement arrived and it had $1500 in fees added to the new loan with a credit line of $53000. They never disclosed the fees and said I was told over the phone about them. I disagree. They never said anything about a loan over $50000 and no discussion was made about fees of this nature.

Nothing I was told to consult my crystal ball and physic advisor the next time i want to balance my check book. years of schooling: 2=2 out the window. 2=3

On November 13, 2007 I Alethea Smith went to a Bank Of America ATM Machine to Deposit $100 dollars CASH. When I started my transaction, it prompted me for a receipt so I pushed yes. I deposited the money in the cash slot, it took my money and gave me my card back with no receipt. So I called Bank of america 800 Number and they told me the $100 Dollars didn't deposit and they would need to do an investigation and it would take two days and it should be back into my account.

i did pay over U$300 for this mistake

I had a Bank of America checking and savings account. I noticed that there was an additional Visa card account associated with my account when I checked my statement online. I called to inquire about what appeared to be a credit card on my account. I was informed that when I applied for a homeowners loan through BofA, a credit card was opened in my name. I did not authorize this, nor did I consent to this. I asked for the card to be closed, but I am fearful that it will and already has affected my credit.

I closed my account with Wachovia Dinero Directo on October 5. I wanted them to return the $192 to my Wachovia checking account. Today is Nov. 10, and I still have not received my reimbursement. I keep calling the customer service center, and the representatives keep telling me that I need to wait 5-10 days.

Recently we wrote out a check in order to pay a utility. Due to a miscalculation on our part we issued more payments than we had money. When the utility check came through it was cashed before the five other payments that had already posted. Instead of one NSF charge we received five NSF charges. I talked to the bank about the issue and James told me that this is what happens when you spend more than you make, and that I was welcome to apply for a BofA credit card to pay the debt to the bank and act as a overdraft protection fund.

Today I finally had the sense to close my Wachovia account for good. I had banked there since high school. I frequently check my account via Wachovia.com; however their website is not real time and is delayed quite a bit. When I asked a phone representative about the delay she couldn't explain, but said they get numerous complaints about the web daily. You can log in and try to monitor your activity but Wachovia does not show all the transactions as they occur. Or they will change the order of the transactions even after they have posted.

Our bank was World Savings and Wachovia took over on Oct. 15th. Wachovia sent us a booklet the size of a small yellow pages, written in lawyer language so the average person really has to know banking lingo to understand. Yesterday I deposited a check from a World Savings account into my account which is now Wachovia. I was told that the deposit would be directly put in since it was basically cash. I checked my online account and the deposit wasn't there. But there was an NSF charge of exactly $75.00; they had bounced 3 transactions.

Three separate times I have been dinged by Wachovia and their magical accounting system. I have had purchases days before, and then they create overdraft fees because something was being held. Recently I deposited cash, and it showed that it was in my account. Then there were two charges on the debit card for which they charged overdraft fees. My cash was deposited at 4:00, but the account still showed an available balance. I will be pulling my account as soon as possible. I have been charged over $700.00 in overdraft fees because of their accounting method. I'm tried of being their cash cow.

I am closing my account with the Bank of America after more than 30 years. Their customer service supervisor was very rude. I called telling them that I was depositing a check into my BofA personal account and would wait for it to clear before transferring funds into my BofA business account. In the meantime, 2 checks were posted to my account, and I was charged $105.00 in overdraft fees! The two people I talked to about this were not helpful.

I had several transactions charged to my Bank of America account and most were fraudulent. I have filed a claim which is to only take 8 business days. Today is past 8 days and no word has been given as to when this matter will be settled. I am in need of both my account and funds. I am refused access to my account by computer or mobile. They have spoken to me about closing the accounts but then they would not be responsible for refunding of the lost monies. During this one month period I have had 3 pay checks wiped out completely by overdraft fees totaling over $500. I could lose my home if this is not cleared.

I have had a Bank of America Account since 2005 or 2006. In April of 2007, an emergency caused me to have to apply for a payday loan. There were some problems with amounts the company was taking, and I called Bank of America to let them know that I no longer wanted this agency to go into my account. Since then, the company has tried to put through more than 10 payments. Bank of America is charging me a $35 fee for each one. I asked them to change the account number, just to keep the account above water, and they failed to do so. Today, I owe BOA $320 in fees and have changed my deposit amount to $1. Something needs to be done about the way they are treating their customers. They are functioning as the middle man for me and this company, and only I have a contract with them.

I think Bank of America is a rip off. They finagle my account in anyway possible to collect overdraft fees.

In August, 2004, I called Bank of America to inquire about a newspaper article that listed a Teacher Next Door Program. The representative advised me to open an account so that, in the future, should I attempt to buy a home through their program or make investments, I would have a better chance because I would already have been a customer. The representative was allowed to open an account in my name. When he asked how much I would deposit and keep in the account, I told him that I'd gotten an income tax return of about $5,000 and would probably deposit it at a later date. The representative opened an account as though I had already deposited $5000, and from that point, I was charged a penalty for the account being below the minimum of $5000. The representative had no right to open an account of that type without the minimum deposit of $5000; the account was opened with a deposit of $100.00. When I discovered I had been penalized from the inception of the account, I went to the local office. I was told there was nothing that could be done because I had not opened the account in that office. I was told to call a toll-free number to get the problem taken care of. When I first called the toll-free number, I was assured that the problem would be taken care of. When it wasn't, I called several more times and got no assistance even though I was told the problem would be researched and someone would call me back. Today, I called and was told that no one can go back that far for a dispute and that I had only 60 days to dispute any wrongful charges. The salesperson had no authority to open an account without the minimum required deposit and I would like my money refunded immediately.