Bank of America Reviews

My account was closed without notice and I was charged a fee of $60.00. I found out it was "research fee". Their definition was: Acct research takes place when you visit a banking center and have an associate research an item on your acct. I never did this.

I am a 17-year-old student in a technical high school. Each week I work a few days and attend school the others, so my deposits are small amounts ($175 to $225) . My employer issues checks drawn on Wachovia. Each time (3 weeks in a row) the funds would be held over the weekend. On the Labor Day weekend they were held until Tuesday. I made Visa charges based on the amount the customer service stated that I had available, but I incured NSF charges because the funds had not cleared until a following business day . The bank manager reversed one NSF for $35 but not the first for $22.00 and then suggested that I deposit the funds as cash . On Thursday I did. I cashed the check and made a cash deposit, however the deposit was after 2 o'clock. I then used my debit card that evening and made a charge against the account. Now I have three nsf charges. They stated that when you make a charge the funds are withheld right away, but why is the cash not available? My dad asked them, "What happens to the cash overnight, who gets the benefit?" They said no one, you might as well keep the money until the next day . So I can't deposit my payroll check, and I cant deposit cash and draw on it the same day. I will look around for another bank. Wachovia is making money on the overnight possesion of these funds, but a 17-year-old can't deposit money (cash) and go to McDonalds with his own money without getting an NSF charge .

It seems to me that Wachovia has carte blanch to do whatever it wants and take whatever money it wants from their customers. NSF fees seem a SCAM for them to make money. They wait to notify you so that new charges can accumulate before you even know what is going on. They process the most expensive items to force multiple transactions to be effected. So what are my choices? Also on multiple occasions, I have been given information by the branch staff that I accepted as truth, that was NOT, and cost ME money. Why are their no checks and balances within the financial sector? We can keep writing these complaints but nothing ever comes from them. Where are our advocates?

A Certified check was addressed to Pay to the order of Bank of America and or [my full name]. it was deposited on 9/17/2007, and I was not informed that it will be held. As a resolt of the check being held it led to four personal checks being returned. Bank of America posted on-ine that the money was there but the checks would not clear. They charged me $210 for returned checks. Not only did i get charged from them, but the bills not paid caused those companies to charge me as well. The only company that receives money was Bank of America. They took their funds out before the check was cleared, so if the funds were avaiable to them why wouldn't they let others collect their payments? it took 10 days for the check to clear, and now that they finally released the check there is not enough to cover any of the checks because they took their money (excuse me--my money). i feel that it was unfair and this bank is the worst. They are not loyal to their customers. The branch customer service reps were worthless in helping me. I will be closing my account as of today. My water bill, phone bill, electric bill and doctor bills were all sent back, and i was charged double because of returned checks. There is not enough to cover two charges for each.

Our trouble with Bank of America began shortly after we opened the checking/savings accounts. Like many people, we live paycheck to paycheck, and cannot rely on this bank to credit our paychecks in a timely fashion with any degree of reliability. We too have suffered from their odd posting practices, to the tune of $35 each incident. Two days ago, I made a deposit of $400 cash in person. Today that deposit is still listed as pending on our online account. Though the amount is shown as available, the pending listing indicates that the cash I deposited has NOT posted to our account. Little sneaky practices such as these has me looking for another bank. I only hope closing the accounts will be less painful, though I am not encouraged by the numerous accounts I've heard from others.

I am closing my B of A account after 30 years because I'm tired of being robbed in the form of excessive overdraft fees. I think the way they report transactions to a checking account is not the order in which they actually hit the account. The transactions are paid from largest to smallest in order to maximize overdraft fees should the account become overdrawn (B of A claims this is a customer preference).

I was just added onto my husband's checking account and wanted to change my direct deposit. I didn't have any checks to provide to my work, so in place of a canceled check, they requested an account verification letter.

Made a deposit on 8/17/2007. The check was for 3,720.85. The check cleared on 8/24/2007. Then the same check bounced on 9/12/2007. How can a check for that size clear and then not clear. All I want is for my account to be reimbursed.

B of A takes the cake as the worst customer service I have ever seen in my lifetime.

My son overdrew his checking account by 10 transactions TOTALING $16.37. B of A charged him $35 each totaling $350!

In july I closed a checking account with bank of america and open another checking acount. Charges were made to the closed account which kept the account open. I asked Bank of america to transfer the money from my savings account and deposit it into the account with the negitive banance and close out the account. three week later I recieve a bill with charges stating that the account was not closed and had accured late fees and other charges. I again contacted bank of america and asked them a second time to close out the account and transfer the money from my savings.

I tried to cash a $6.00 check drawn on Liberty Mutual Insurance. I had funds in my checking account. I waited on line 10 minutes. Bank of America denied my request and said the check had to be deposited to ensure the funds were available. I am a customer for 30 years. No more.

They have continued to charge me and my account late fees. I have to pay them to keep the account OPEN or they will ruin my credit. I am angry b/c if I do not pay them $5.00 a month, they add charges to my account.

I noticed on my June 2007 credit statement that my APR rose from 11.99 % to 21.99%. I contacted Bank of America to see why, since I had not made any late payments. The customer service rep stated I was I high risk, because my balance was high. The rep also stated a letter was mailed to me in February with the option to close the account and freeze the 11.99% rate. I never received such a letter.

I had deposited a check for $2900.00 into my account. A few days later, I needed the funds in cash to wire a payment. I asked specifically if the check had cleared and the answer was yes. I withdrew and spent the money. The following week my account was in the negative because the check had bounced. Apparently, the bank gives you the funds before verifying the validity of the check. They refused to return the money into my account, held me accountable and charged me a fee for depositing a check that bounced.

I deposited $160.00 last month and realized too late that the deposit slip listed 120.00. I sent an online message explaining what had happened. So many stupid answers were sent and nothing was done. Going through my online statement, what do I find? B of A has electronically changed the $120.00 deposit to $100.00! And because of this, I was now over the limit and charged another $35.00 fee.

Routinely, B of A holds my pay checks for several days without reason. I live pay check to pay check, and I cannot afford to wait for four or five business days for my funds to become available to me.

My Bank of America debit card was stolen and about $3,000 was taken from my account. B of A decided to close that account down in the middle of my claims being processed which resulted in my funds being held for 2 months. Meantime the claims on my account have been resolved in my favor.

Unfortunately my debit card number had been stolen and when I tried to dispute a Verizon phone charge on my statement, Bank of America told me the charge was a legitimate charge because there had been one previous similar charge that I did not disputed (after looking back at my statement I noticed it). Their logic was since I had overlooked the first charge, any charges after that couldn't be disputed with the bank.

I used the ATM to deposit a company check,which is local. I saw on the ATM receipt that the funds would be posted on 5/10/2007. I went on-line to pay my morgage with these funds and found out that the BOA had placed a hold on my funds. I called the 1-800 number and got no help from this idiot and his idiot supervisor, who sounded like parrots repeating the same speel. We don't know who placed a hold on you account but you will be notified by mail. 4 days later I get a letter that states, We have placed a hold on your account. The reason given is because you have repeatedly overdrawn your account in the last 6 months.

Bank of America approved 7 debit purchases, however, because a larger direct withdrawal hit approximately the same time, I was hit with exorbitant overdraft charges as it is their practice to process the larger transaction first which created a negative balance even though they themselves approved all transactions! I incurred overdraft charges in the amount of $245.00.

My husband and I visited the Bank of America location to close our old account in February 2007. At that time, the bank's rep transferred our funds to the new account, and she indicated that she had attached both my husband's and my bank check card to the new account. Since that period, we have made several calls and visited two to three different bank locations, to cancel the old account, transfer my husband's bank check card to our new account, and resolve online banking issues. After five to seven calls and multiple departments, all transactions my husband made were still being deducted from the old account. Finally, two weeks ago, the transfer was completed.

They shot my interest rate to 25.99% and dropped my credit limit from $10,000 to 4,300 solely on universal default. I was never late once, and have been a B of A customer over ten years. It's stuff like this that's ruining American consumers.

I have a Visa debit card through Bank of America. I have two bills, Internet provider and cell phone, that are drafted from my checking at Bank of America account each month. Payment has been stopped to these two companies twice, once a couple of months ago and again last week and there was money in the account and I was not notified. The first time I was told the card was not been used and they stopped it for my protection?

Recently, I made a cash deposit in my Wachovia account. It was March 20th 2007, which was a Friday. After this deposit, I went to Wal-Mart and used my debit card. That Monday, I was charged 2 NSF fees and $10 to use my overdraft protection.

1. Dates of posting changed soon after overdraft caused by monthly transfer of $25 from my own saving to my checking account. 2. Misguided me during opening an account that if I don't have sufficient fund transfer wont take place. 3. Rearranged my transactions to make sufficient funds at the end of month. Transaction was not posted on my online balance sheet until 3rd of May. And as soon they saw posting could cause me to overdraft they posted right away. 4. Changing date for posting for check card in online account balance. 5. Bank's representative number went to answering machine and the password given to me not working.

The bank posted a large check that created an overdraft before posting other smaller item that showed pending before the check came in. By doing this the maximum overdraft fee will be assessed. They post the largest debit transaction first even if it did not come in first but if it can post the same day then they post it before the smaller one although the smaller one came in first.

They continuously charge me late payment fees. I've disputed and proven to them where the original error was. Only to be forced to deal with their unethical business practices.

Billing dates were repeatedly changed so that they would not coincide with my request for billing by the first of each month. (I am on a fixed income). I always pay bills in full, however my December bill reflected that my check for $600.00 was cashed for only $100.00. My statement for January showed I didn't pay the bill in full and there was a finance charge of $24.34. I contacted the bank who said that BOA's money transfer was only for $100.00. My bank contacted BOA and BOA in a subsequent statement corrected the error.

They opened a Visa card for my checking account that they said would offer me overdraft protection. Monday morning they hit me for 8, yes count them 8 overdraft charges for transactions as small as $30!! They charged me $35 for each one and then hit me with a $10 maintenance fee because my balance dropped below $1k average! Oddly the 9th line of the day was the ACH transfer I sent in. When I went to the bank to complain, they basically told me to get lost. I banked at the same branch since it was Central Jersey in 1987! So 20 years as a customer gone for $280, great job BofA, I am with Wachovia now.

I EFTd $8995.00 from my checking account on March 6, 2007 to cover a VISA balance that I had requested a balance transfer for from Chase Bank and was not positive would post to Bank of America by the due date. The transfer HAD posted in time and I now had a credit balance(overpayment of $8997.15, I called a customer service rep and explained what had happened and requested a refund on the credit(overpayment). She told me no problem and I should have my refund check in 10 business days. By March 14th, I was still showing a credit balance so I called customer service again and was told the request had been approved

Keep charging me a monthly fee for my checking accounts. I went to the bank and made sure I have a no-fee account and they change it and then a month later they start charging again. This is the 3rd time and I cannot afford these charges.

Over Christmas week they drained my account completely, charging me $35 for every allegedly insufficient funds charge. I was charged the maximum fee every day for more than a week. recently they took over a $100 for checks I didn't order, and now they're taking $80 in fees because they held my cash deposit an extra day and claim all my purchases after the deposit were paid against insufficient funds actions.

I wrote a $110.00 check for a utility bill on 3/1. The check did not appear on the account and had not yet been processed when I handed a $500 CASH deposit to a teller on 3/2. When BoA processed the check, they dated the transaction 3/1, and posted $105.00 overdraft fees on 3/2 for two $5.00 credit purchases. I told them my rent check would now bounce and I would have still more overdraft fees. They said there's nothing they can do.

I have never dealt with such rude, unprofessional people at the customer service line.

I closed my account after months of problems with the credit card take over by Bank of America. The credit card company has a website that is down more than up so I paid off my balance at least two days before it was due. I would have paid it sooner had they sent me a statement or if I could have accessed the account. Now, they have charged me a late charge and interest! I have a balance that I should not have.

I'm a MY Access account direct deposit customer inside Bank of America. I've been notified that I have a custody trust account in their wealth management division. I've been told that I have to be connected with a client manager in order to gain access to my account. It’s been eight weeks and they're holding my security deposit but will not speak to me about my own money.

My mom had an account with Wachovia which I had signature in case something happened to her. In 2002 that account was closed due to my mom entering a nursing facility. Wachovia paid something that came in instead of sending it back and advising THE ACCOUNT IS CLOSED they paid it. They kept sending me notices for my mom, I kept telling them she was not at this address and send it back. My mom passed away and they still kept harassing me. Yesterday (2/27/07) the recovery department debited from my savings account the charge that they paid from a closed account ($117.04). I contacted the recovery department and spoke with Nicole who checked and informed me it was a mistake and the money would be put back. Today I check my balance and I see that another $117.04 has been debited AGAIN.

BoA takes the larger amounts of checks or debits that come in after the dates of other items that would clear without the $35 charge for nsf, and instead of paying just the one $35 you pay 4, 5, or 6 charges. I was refused by the banks reps to remove these charges.

I closed my checking account at BofA on February 14. On February 20, they allowed a payment (auto withdraw) to an insurance company for $458.

On or about December 19^th, 2006 I deposited a money order that was written to me for an amount of approximately $20.00 into my Bank of America checking account. Although I did not know it, this money order was fraudulent. Bank of America then decided to lock down my account the next day with no warning or phone call and leaving me no access to my money. Approximately $1,300.00.

I looked online to find out how much money I had and earlier that day went to the grocery store and that went through and I still had a positive balance. The next day I went to lunch with a friend and spent less than what I had left in my account. The next time I looked there was two overdraft/unavailable funds fee which put me in the negative. The first one was after my grocery debit which put me in the negative. Then they put through my lunch which made it go more in the negative. Finally they put through the last overdraft/unavailable funds fee.

I have been dealing with ridiculous overdraft fees through Wachovia the past few months. They tell you that the online banking is user friendly, but when you go on and check your balances and try to manage your account, you get screwd with fees. I had several debit purchases that were due to go through the account, but instead of them paying those, they chose to pay a check that would have wiped out the other 4 debit amounts and allow them to gain $140 in fees.

I have been a long time customer of Bank of America. Recently they rolled out a new ATM that instructed customers to make deposits without using the deposit envelopes. the ATM was located at a drive-up area and after I inserted my ATM card, the screen instructed me to indicate the appropriate transaction. I pressed "deposit to checking" and that I wanted a receipt of the transaction.

I have been a customer with Bank of America and have been relatively happy. On 12/24 I checked my balance on line. I saw how much money I had in the bank, and made some debit card purchases on DECEMBER 24th. On 12/25 I checked my account, saw I was getting low, and did not make any purchases. The purchases thus far shown on my account as Pending, not just authorized, as if I was renting a car or hotel, and the establishment put a hold on a specific amount of funds to cover future use.

It's so nice to have a place to tell the story. My husband went to the local BOA branch to open an account. He showed the lady there his SSN card and everything. She was slow but everything seemed OK. Weeks later we were notified that the debit card was cancelled. We called to ask why, they say they'll mail another one. Another one was mailed to us. Then weeks later we got a letter saying the account was closed. They even charged us $60 for 'research'.

I have been a very loyal banking client with Bank of America for many years, even when they changed hands several times.

I had placed a stop check for $340 with plenty of time and knew the check had not yet been cashed. I had been made aware that the charges were not correct so I wanted to be sure and placed the stop check on Nov 17, 2006 with the correct amount, name and check #. A few days later I noticed that the check had been cashed and called BOA. They basically said that even though it was their mistake, there was nothing they could do.

I have enrolled in the keep the change that B OF A is offering. My annual anniversary date was 10/29/2006 I was supposed to receive matches to this account. The first three months of matching funds are dollar for dollar up to $250.00 than 5% annually after that. I received $.55 into my account on 10/31/2006. I contacted the bank because I knew this was wrong it should have been a lot more than that. Will I have spoken to 5 different supervisors I have had at least four different cases opened for investigation and still there is has been resolution. I have been promised a $ 50.00 credit for the inconvenience from a supervisor named Jasmine V -- I did not receive that. I think this keep the change is not what they promise when they want your money they make sure they get it but when you want yours forget it.

BOA deposited a check that had neither my name or account number on it into my checking account. The check was clearly made out to BOA. I do not know the person who wrote the check. It was sent to me, marked NSF and the money was withdrawn from my account. It had never been credited in the first place. BOA could not provide an explanation or offer an apology. I immediately closed out my account, but they wouldn't let me withdraw my funds. I went outside and drained the ATM machine and never looked back. Ps. My sister, a BOA employee (but not for much longer) called their bluff and was told rudely that It was none of her business. They didn't know what department she worked in, but they will soon find out.

My personal information was used to get a few short term loans. Once I found out called and informed the bank and was told to close my account and open a new account in the city I moved to. Asked if I had to go to in to do this -- NO was the answer. Next day I opened the new Bank Of America with the $591.00 I had. Few months passed and then I receive letter from my old Bank Of America branch stating I owed them $408.00 becase they paid on those fraudulent loans.

I have direct deposits going into my Wachovia Checking Account every two weeks. During the last year, on my pay-day, Wachovia has been deducting all my charges first and then included my deposit so that when Wachovia did this it looked as if I did not have enough money in my bank account. Off course, they charged me NSF fees for every charge! Last time, I had enough and called Wachovia. Their response was to hang up the phone on me twice!! When I finally got someone to talk to, they explained that my deposit was not available until it had been posted although I could see it as processing transaction on my account, and it is included in my online available balance!!

In short, I was hammered for about $400.00 in fees. And they still want another $337.00 to clear my name. Though we spoke back in the spring of 2006 and settled on $200.00 for the payoff, I was struck by a car soon after. I was unable to pay up since one cannot work with a fractured leg and pelvis. I have contacted Deposit Recovery by letter regarding this matter, but I've received nothing but dead air. I just believe Wachovia to be unjust regarding fees and I'm just tired of them.

Wachovia's checking and check purchasing policy seem unethical. The timing in which my transactions hit my account have caused serious over draft fees, upwards of $500/mo. I have auto-deposit of my pay checks and they are taking over a 3rd of my check every pay period in overdraft fees! I have complained to the bank and they have refunded about $100 out of the $4000 they have charged me this year!

I realize from reading that my experience with Wachovia was not unusual. I, too, was slapped around by the NSF fee. Though my bank showed a positive balance, Wachovia has a policy, unlike many other banks, that holds all monies used for debit. However, none of this appears on your online banking or in your balance. You must keep dilligent and copious notes of all transactions, because their customer services (ATM balance, online balances) are NOT correct AT ANY TIME--this I was told directly by Wachovia personel.

I am very disappointed with the way Wachovia clears checks. They purposely cause extreme overdraft fees in accounts. They wil hold all checks and clear larger amounts first. This caused me over $400 in over drafts fees when it should have been a much smaller amount if the amounts were smallest first (around $70-$100). I have compained to the bank and all they are doing is sanding a copy of the policy. I am going to look for a new bank Monday morning.

After Fleet Bank was taken over by Bank of America, I went to a BOA branch to ask about an account at Fleet Bank. Their computer system has no record of it. The account # **/Dylan **, minor; Gregg **, custodian, **. A motion by my ex-wife accuses me of stealing my son's money. Obviously, I didn't, but I repaid $420 as ordered by the judge because I had no proof of what happened to the account. I would like to clear my name as well as find the money I have "repaid." What happened to this account? If it was closed, by whom and when? Thank you.

Wachovia had 16 items on HOLD in my checking account. I might point outm that the money for these HOLDS was already taken from my account On the day my paycheck auto deposited they also paid a check that was written on my account which overdrew the account by THIRTY CENTS. The reason for the overdraft by the way was due to the fact that Wachovia charges once a month ( whenever they feel like it ) for atm useage. this hit (coincidentally ) just before my paycheck and the subsequent overdrafts. To make a long story short they charged me for 17 overdrafts at $35 each. I was rather curtly informed by customer service that banking law allows them to do that. Legal I guess but ethical I think not. I can simply imagine how hard the banking industry lobbied for that law. This is outright criminal and should be dealt with.

Bank of America blocked my ATM card numerous times when I travelled overseas. C/s rep said that I need to call banking center in advance of my travel and notify them. Even though I've done that my card is blocked again. On top of that BOA is charging ATM denial fees for each transaction request. When a transaction is refused (because the card is blocked) the denial fee is deducted from the account. BOA is also reordering posted transactions when presented with a NSF check or other debit in order to maximise NSF fees. They will take posted transactions going about 5-10 days back and reorder them to bounce as many as possible.

On Feb 17th 2006, I took an insurance check into the Bank of America banking center, 1 SE 3rd Ave, Miami FL 33131 Tel 305-350-6350. It was for over $20,000.00 and therefore had to be endorsed by Bank of America Insurance Claims Services department in California. Debbie (banking center manager) sent my check out to California by internal Bank of America mail. My deposit slip was included so that the check could be paid into my account. As of March 13 2006, the check had not been cashed into my account. I went to see Debbie and she told me that it was unfortunate but I would have to contact my insurance company and get the check re-issued. Not really the support I was looking for.

I am a senior citizen, who lives alone and who has bank accounts at Wachovia. When I went to do business about my money market account Eric Schiller started telling me how he got his grandmother a home equity loan in case she needed money and kept pressing how important it was for me to get one in case my children needed to pay bills for me.

My husband and I had made a 200.00 dollar cash deposit at a banking center in St. Louis. The amount showed up on our account, was credited under "avaliable balance" and then....disappered. It was just gone. The whole transaction, the deposit, etc....was gone from the screen like it never existed. We called bank of america and they acted like they didn't believe us!

Bank of AMerica issued me overdraft protection then charged me overdraft fees on my personal account and charged me cash withdrawal fees on the credit card used for the ovedraft. This is not overdraft protection

I made a deposit for less than $300.00 and to date, it has still not been credited to my account. I have my deposit receipt that the bank gives you when you make a deposit. I showed them the receipt and to date they claim they can't find the deposit even though they have cashed the checks that I deposited. The last time someone actually agreed to talk to me they informed me I would not receive a credit until it was proven that I made the deposit.

This is in regards to the way they make funds available in relation to check card holds. You see, when I use the Visa check card the bank places a hold for the entire purchase amount on my account. They list each merchant and the charge amount in a section for check card holds and the balance is plainly reserved by virtue of the fact that the funds are not available to me. These may sit in the check card hold section for 3-4 days. Fine, I get it, it is proper. The problem starts when a SUBSEQUENT (and I am assuming unknown check clears and I am charged an NSF fee for every one of the check card purchases.

Satisfaction of mortgage not filed. The loan was paid in full on April 22, 2004. This was on a home equity loan. My son, who bought my home, went for his own equity loan and was advised that my loan was not paid. Numerous letters have been sent requesting the satisfaction be filed and we be advised. This shows as outstanding; we want it satisfied and closed.

Bank Of America's online banking, ATM and Phone systems make it next to impossible to know how much money you have in your accounts unless you keep careful track on paper. The consequence is that if you are living pay check to pay check you will end up paying multiple over-draft fees. According to reps at BOA that I have spoken to -- this has been happening to a lot of customers who do not understand the so called award winning online banking system.

In two years I have banking with Wachovia, I paid more than $2,000 in overdraft fees. This last month Wachovia is currently charging me with another $489 in fees for dispensing money at ATM machines and approved debits when they say I did not have the funds, but when I called the Bank to find out my balance they would tell me that I had enough funds available. What the word available means?

I took in a check for over $62,000. on Wednesday , September 7, prior to 11AM. I specifically asked the teller if there would be a 'hold' on the check...it was a CASHIER's Check from Bank of America....she scanned the check , and proceeded to tell me there was NO HOLD at all, and that ALL of the funds would be available the next morning...Sept.8. I took the bank at its word, and did several online bill pays and mailed two large checks out that Thursday AM...the 8th.

I was promised an introductory rate of prime minus 1% on business loan. I was never sent a bill. The customer rep said they were in transition and that first payment was sent (late) not knowing where to send. Subsequently, they raised the interest rate (doubled). Now I am forced to scramble, to be accountable to all business associates. No matter what, we will be responsible. I wish Bank of America would have never sent us to Fleet without our initial knowledge. I do feel cheated.

When I closed a checking account with Fleet in August 2004, there was a $93 balance (the clerk did not tell me about this). They closed the account and I never received any bills. The clerk immediately sent the balance due to a collection agency (she saw it was an item for 8/3 on the statement which was August 3, 2004). She thought it was for 2003 apparently. In February 2005, I spoke with Jeff at Bank of America Penn Station, and he agreed it was erroneously submitted and said he would get it removed. But it is now April, and my credit is still low because of this and I am being denied credit. I wish to file a lawsuit.

I purchased marketing merchandise, and the company, Ideal Health, agreed to credit my Fleet Bank account. But because my account had been closed out the year prior to the credit, Fleet refuses to refund the $877 that it received from Ideal Health. I have a local consumer advocate group looking at the problem, but the company won't allow them to look into it without my permission to access my old account. I have the statement showing the purchase and the total amount but the account is now showing as non-existent! Any help you can suggest would be greatly appreciated!

I made a deposit on April 4 @ 3:59pm with Wachovia via the ATM machine,however, prior to the deposit being accepted, the ATM stated that the deposit MAY have a hold on the deposit and asked if I wanted to continue. Which I did, however the next day April 5, 2005, I called the bank to verify if they had placed a hold on the funds, which they had not, it gave me my balance which included the previous days deposit. So of course, with that in mind I wrote checks, the following day April 6,my husband called me to notify me that the funds were no longer in the bank.

We have had an $80,000 (simple interest) second mortgage 20-year loan with Fleet Bank since July 2001. At the end of 2001, they somehow changed the configuration to God knows what kind of nosebleed loan. No one in their institution in the past 40 months of chronic calling, being hung up on, never receiving a statement, being denied an amortization schedule, refusal to remove non-valid late charges, misreporting to the credit bureaus, not following through with disputes to the credit history, constantly passing the buck from one department to another, dept. heads not responding period, holding checks from three to thirty days before posting and that interest just keeps rocking on, changing the addresses for the payments at their direction and always trying to turn it back on the client for paperwork.

On November 3, 2004, we deposited a check drawn on a Canadian Bank in USD. This particular customer and bank has been sending us checks like this for years, and it took Fleet, before Bank of America bought them, 3-5 days to clear the check. It has been three weeks to the day, and BoA people tell me it is "normal" for them to take 4-8 weeks! This is a total hose job by BoA, and this commercial customer is definitely looking for a new bank! We have depended on this money to pay employees, vendors, etc. And they should have informed me that this "policy" has changed before I deposited it as I relied on their past performance of 5 years. I wasted hours chasing this around with BoA, and not having the use of the money is serious and infuriating.

I have sent three payments to them, they are telling me they have not received any of the checks. I had sent a letter with the second check and Loretta told me they have received my letter. The second check was stapled to the letter I sent, so I know they have received it, but they could not tell me anything about it; she was going to check with one of their departments. I have not had this experience with them before; this is the first time.

My wife and I own a company named Carolina Land Company in Kannapolis, NC and we developed and sold land for mobile homes. We financed the land to customers and then later sold partial land contract notes to a company named Fleet Finance, who later changed their name to Associates. We have tried for several years to contact them to get the remainder of the funds for the back end of the notes we sold them but have not been able to track down the right company because they tell us that they have been sold several times.

Back in July of this year, I applied for a personal loan from Fleet Bank. My mother had to co-sign with me so I could get $9000 to consolidate bills. I serve in the military and I am stationed in North Dakota. I went home on leave to sign the paperwork and that’s when the problems began. On the 19th of July, I went to the Reading, MA branch to sign the paperwork. I was given a receipt, which indicated the funds were deposited and available. The receipt read $9,713.96 available. I went home and immediately paid off two Fleet credit cards, which amounted to approximately $3400. Prior to leaving ND, I mailed six checks to pay my bills. The total amount of the checks written was less than the $700. I was paid by the military on the 15th.

After protesting fees for the second time, charged for depositing a check, I received a letter from Aviles informing me they no longer wish to maintain my accounts at Fleet and I had 30 days from the date of the letter to remove all funds. Additionally, I was not to deposit or write checks to or from my accounts.

Fleet is my checking account bank. On the eve of July 15, 2004, I called my mortgage co., ABN AMRO Mortgage Group Inc. of Chicago to pay my mortgage electronically. I gave the correct routing no. & account no. to ABN AMRO to draw the funds in the amount of $2746.47, to pay my mortgage which was due by July 16. I called the mortgage co. on Friday to make sure everything was okay. They said it was, and their recording later in the afternoon said the mortgage had been paid, but online, looking at my account with Fleet, it did not reflect the funds being drawn.

On several occasions, after depositing money in my account, I ended up with service charges. My acct. has been open for 8 months now, and since that period of time, I have paid over $300 in service fees and charges. Why? At the present time, I am having severe financial difficulties and can't afford to pay these misc. charges because I can't deposit my money during "business hours" and then they take their time processing it (even if it is cash). In that lapse of time, that's when all of my checks and charges "suddenly" hit my acct. This has happened several times. When I called customer service, they just told me that the money I deposited hadn't been applied to the acct. before my checks came in - that's a bunch of BS! So I said under my breath, "You've gotta be ** me". The representative then said, "No, I'm not, ma'am. And if you continue to use that language, I'll have to terminate this phone call." Are you kidding me? I just got charged $100! I was a little stunned (to say the least). They've certainly made their money off me!

I made a deposit to my wachovia checking account for 3000.00 on may 26,2004. Check was from my suntrust account. The money was debited my suntrust account on may 27, 2004, yet they placed a hold on my funds that were already in my account. I had several checks to come through and was returned. I was charged over 360.00 for bank fee, not including checks that were returned. I went online serval times sending messages to wachovia from my online banking, I call customer service serval times and I always directed to someone else.

Fleet has a habit of charging these outrageous overdraft fees. This has happened repeatedly with me. What I think is one of the most unjust reasons for charging the overdraft fee was one day I had went to an outside bank ATM. I know with certain banks Fleet charges their own ATM fee. Well I knew in my balance I had just enough money to cover what I was taking out ($20.00) and the ATM fee ($1.50). After the transaction, I still had a few cents in my checking account. When I called to check my balance, I was charged $30 because I didn’t have enough money for Fleet's charge.

Bank deducted 450.00 in bounced check charges, even though funds were available to ffset at least some of these purchases. Spoke to three people including branch manager (who did nothing), and finally got 90.00 back, but still no explanation.

We arranged with Bank of America investment services to manage our retirement accounts. Immediately, they sold all funds we had invested with Fidelity on low-market days rather than cost averaging the sales over a period of time as agreed. Then they invested our funds into their Bank of America mutual funds.

This seems to happen all the time with this bank, but I'll give the most recent example. I deposited a paycheck on Friday (I'm told it was after 5, but I don't honestly remember). At the time I had a few hundred in the bank. The paycheck was for over a thousand. I then spent some money on the weekend, and on Monday, I was still fine. On Tuesday a check went into the bank that went over the amount of money that was "officially" in the bank. They said that because I deposited my check on a Friday, they wouldn't get it till Monday and it would not be cleared until Wednesday. I didn't know this at the time. On Wednesday, they charged me $50 for insufficient funds, but that's when my check was getting cleared. I just don't see why they can get away with charging these obscene amounts. Plus I technically had the money in the account, but they just don't care. They say that legally they are allowed and it's a legitimate fee.

Over the past few months, I had been withdrawing funds from my Fleet checking account and transferring funds to a newly-opened internet bank account. On October 27th, I withdrew my last $20 from my Fleet account and then closed my account with Fleet later that afternoon (I had no outstanding checks to clear) at which time the bank employees gave me the 88 cents that was remaining in my bank account.

This letter is to inform you of my displeasure and disgust with the service I received on Friday, December 3, 1999. I attempted to use the outside Fleet ATM machine located on 52nd street and Broadway in New York, NY at 5:30 pm. The machine rebooted in the middle of the transaction and kept my ATM card. It is unacceptable your system procedures allow technicians to reboot ATM machines remotely without checking to see if the system is busy. It is unacceptable the outside ATM has no telephone nearby to call for assistance. You have to leave the machine and find a pay phone to get assistance. It is unacceptable that when I called to get assistance and asked for a compliant to be logged, the only information requested was where the ATM machine was located. There was no need to ask my name or any other person information because those personal facts are of no concern to your firm.