Bank of America Reviews

As far as I am concerned, what they did is theft. I have no money in checking and I’m flat broke with numerous overdrafts happening. They basically "nuked" my finances. Not only do I want the $290.00 back, but because of this and other hardships resulting from this, I am also going to ask for a minimum $29,000 to cover any legal fees and other damages resulting from damaged credit.

Wacovia collection agents would not accept payment amounts less than what was on the bill, the same with automated phone and automated on-line. Wacovia literally forced to pay the wrong amount car note even after proof of insurance. When one could be reached, Wacovia representatives were ineffective, acted irresponsible and mostly non-responsive by phone. We kept getting passed on from one Wacovia rep to another, trying to get our account rectified. Then they suddenly came out and had our car towed away, claiming that we delayed our payments.

When in actuality Wacovia delayed us from making our payment. Even while we tried to resolve the matter with Wacovia, they soon afterwards promptly sold the car for an amount they claim was a below market value and are harassing us to pay the balance of the sale of our car. I spoke to everyone, up to someone in the president's office who reviewed my documentation and declined my appeal for account correction.

When I complained that that was the stupidest thing I'd ever heard of, he said that he could refund me $10. What? I understood the first overdraft fee and I accept it, but twice? That's $70! I am a single mother of 2. I don't make very much money, and so for them to take out $70, I mean, that's groceries for one week!

Five years later, when it came time for me to sell the rental lot, I had to race with a letter from my lawyer to Wachovia to get them to cancel the line of credit placed on the wrong property.

They faxed the proper forms to my lawyer, but failed to cancel the account. The gentleman at my local Wachovia demanded a $100.00 charge to put the line of credit on the correct account, which I refused. It was their mistake, not mine. I found that my account had not been properly canceled six months later when I received a bill for $1,118.00 for an insurance policy that they forced on me because my homeowner's insurance supposedly had lapsed. My homeowner's insurance has never lapsed. I have faxed letters from my lawyer from my local Wachovia's fax machine) to other divisions of Wachovia/Wells Fargo in addition to letters and documents from my insurance agent.

These letters and documents prove that Wachovia/Wells fargo failed to cancel my account and that charges were forced on me illegally. They will never admit that they have made a mistake and will swear you have not provided proper documentation unless you actually go to your local bank and fax the papers from there. Then you need to call the branch and confirm if they actually received the faxes. And follow-up because they will drag their feet, lose your forms, claim you left out a form, all so they can charge more interest.

And then you will receive harassing calls from a different division demanding payment which you may or may not owe. Ask me how I know this. I am still fighting this out with them.

So, asked a second question, since they are the risk department and had the power to shut down the account (and my other accounts that didn't have anything to do with the 1st), can he make sure that it at least stays open to receive those direct deposits because it has been already processed from my employers end and the VA has already processed it too? I didn't want over $2k to be in limbo within the mail system. He raised his voice, talked over me as he said that he has already answered all my questions then hung up on me. It was at that moment that I was so grateful that only God can see everything and that He has allowed all this to take place over the phone, because God knows if I knew what this person looked like (like if it happened at a branch) only He knows what I would have done out of anger.

Went to the bank, they couldn't help. A bank manager looked at me as if I was a criminal when half of the NSF charges was their fault. (Posting incorrect balances, when in fact you have less) Then they have the audacity to charge another $35 on top of the NSF fees they already charged, for your account being in the negative for over 5 days. Back to Risk...prior to this fiasco, I had already been waiting over two weeks to get any money. I needed food for my children. I needed to get the gas turned back on in my house, and gas for my car.

I called them back two days later if they would release at least $250 from my account and I am willing to wait for a cashier's check on the rest. I just have to get food on my table, gas in my car and gas in my home until either the cashiers check comes. They adamantly refused to help. They refused to help me with my own money! As of today, July 8th, 2010, my account is still open with now just $1400 in it, the other $600 paid for the NSF charges that it was in at the beginning of this whole crap, just called them, and now they are saying between the 15th and the 19th of July; wherein another direct deposit may or may not make it into the account. That's a whole month that I have been without for my kids.

These people act like they are better than others the way they talk to people--the same people that was paying for the food on their table, roof over their heads, and shelter on their backs. God forbid they have kids too because you sow what you reap. God have mercy on the risk department and those on top who makes these regulations with the premise to make themselves rich by taking advantage of the everyday consumer and the politicians that keep them in business.

I get paid $1223.90. This pay period, I was trying to pay my mortgage of $1100. They took out over $300 which means I cannot pay my mortgage. I feel this is a direct pursuit by the bank to make me go in to foreclosure. I have asked them to stop charging me these fees. I have monitored the account, and I do not feel like this is a good banking practice. They are targeting me to lose my home.

Once again, company policy takes precedence over honest-to-goodness customer service. Corporate greed supersedes a mere $1789 (including sales tax) goodwill effort towards the customer to do the right thing. Illegal or merely unethical? Regardless, this is entirely unacceptable in so many ways. Apparently, according to the all-powerful, all-encompassing, all-responsibility-null-and-void company policy, I missed my chance to correct BA Merchant Services' billing oversight approximately 13 years and 10 months ago, or within 60 days of when their fraud began. Yes, fraud. Since when has it become legal in this country to charge someone for a product that was never provided?

Sure, BA Merchant Services claims it was not aware of this $1789 billing oversight. And of course they agreed to stop charging me. But what upsets me the most is that they don't care enough to take the extra step to make it right, admit accountability, and reimburse me for 14 years of dishonesty. You see, according to them, it was my responsibility to make sure they were charging me correctly. I suppose it was also up to me to go over every single credit card transaction they processed with a fine-toothed comb to make sure they'd given me the proper discount rate. Have you ever tried to do that?

In fact, shame on me, I trusted BA Merchant Services to do its job, and to do it correctly. After all, this was why I was paying them every month, right? Without a doubt, my business' 14-year, $1789 billing error is small change for one of the largest banks in the world. They could easily reimburse my company without feeling a thing. But what if they admitted their culpability and had to reimburse thousands, possibly hundreds of thousands, of other businesses who were knowingly or unknowingly victims of similar billing errors? Then what? A class action suit? More bad press? Billions lost in bonuses? Do I care?

Obviously, and for many reasons beyond what I've described, corporate America doesn't care about its customers. This isn't a new revelation by any means. In fact, we're even getting used to the apathy: the customer is never right, and the bottom line is all that matters. Here's my bottom line: a company policy should not absolve that company from the responsibility to do the right thing. Bank of America made a mistake, admitted it made a mistake, was given the chance to correct the mistake, and refused. Frankly, I'd have been surprised if they'd acted any other way.

Where do we draw the line between indifference and downright shady, unethical business practices? It's so hard to tell, especially when the corporate marketing gurus develop and espouse their lofty Codes of Ethics and Core Values, when in actuality the front line employees who deal directly with their customers aren't educated and empowered enough to follow it through. Just take a look at two of the five "Bank of America Core Values" which can be found on its website (after much searching, I might add). "Do the Right Thing: We have the responsibility to do the right thing for our customers, shareholders, communities and one another. Trusting and Teamwork: We succeed together, taking collective responsibility for our customers' satisfaction. "

Brian T. M., CEO and President of Bank of America, further states in his cover letter of its 19-page Code of Ethics (also found on its website), "With this honor comes a responsibility for ethical behavior in everything we do. " "The code, which is based on our company's core values, spells out our shared commitment to the highest standards of conduct. " "Trust is at the heart of what we do. Our customers and clients want to know they are doing business with a financial services company that they can trust; that all our associates will treat them fairly, communicate forthrightly, and make clear, honest and ethical decisions. Trust is crucial to the value we provide our customers, and it's fully expressed through the combination of our Core Values and our Code of Ethics. "

Trust might be "expressed" on paper, but what about in practice? Bank of America will never win my trust again. But it does have the chance to act honorably to right a wrong, to act fairly, honestly and ethically by admitting it made a mistake and reimbursing me for 14 years of inaccurate billing.

It took four days for Ryan ** to call me and he told me that I had to come into the bank and discuss my accounts. I work in a courtroom and don't have that luxury of just coming in. He told me to come after work on Friday and they are open until 6:00 pm. I live one hour from work and that's not an option on a Friday. I asked him why I had to come into the bank and meet with him. Ryan told me that he had "tools to utilize" for our meeting. I felt like he was trying to sell me something.

I explained my whole situation with him just wanting the maintenance fee waived and transferring money or close the account because this was getting too complicated. I will just use another one of my banks for my spending money. He told me that the account was going to remain open and the maintenance fee was going to be in place until I meet with him. This is crazy! I told him that I could not care less about $12 but I didn't want anything to be against my good credit. I have never had a bad check or mark against my credit. My credit score is 860!

I asked him who his superior was and was given Shirley **. I called her and she already had an attitude. Shirley told me the same thing as Ryan and I had to come into the bank to close the account. Waiving the maintenance fee was not an option. This is stupid. This is the second time I've had negative customer service from this bank. I came into BOA to finance a new home and got mad with them about their customer service and financed with another bank. This is the only reason I'm writing this letter. I could not care less about $12.00.

I've been with BOA for about 25 years. This bank needs to be educated about customer service. I don't deserved to be instructed on my personal bank accounts. Plus, they wanted to know all about my other accounts and how I spend my money--like how much money I have. Just an FYI, I won the FL Lottery and that's no one's business but my own. I called today and got someone on the phone that waived all the fees and transferred money into that account. Wow, just like what I wanted in the first place--and it was done without going into the bank and in a matter of minutes. Please get some help to that Downtown bank. They don't know how to deal with people and getting them good customer service!

There was another maintenance fee on top of the other one I didn't know about. I had no idea there was a $750.00 minimum on checking accounts. Easy mistake to have when I never get that low. Like I said, this was an account for vacations and spending money.

6) We called today, and we're told that the check was mailed on June 25, 2010. Still no check in mail as of June 30, 2010.

I requested again today to please overnight future funds. "Okay, will ask supervisor if it is OK; will note that on account." I expected to call again, only to be told there was an error and the check was not mailed but will be mailed regular mail asap.

This is not right! We are out of pocket more than $15,000, and the roofer is still awaiting payment. It is our money we pay the insurance company and Bank of America is using our funds and they are not out a dime! Bank of America is obviously pushing the regulations to the very maximum allowed by law. How do we get a bailout?

We are home builders ourselves and are already struggling to stay afloat! Will you please help us get our money? This should not happen to anyone now or in the future. Thank you for any help you can give us. We cannot pay our own bills because we have so much money tied up in our house repairs!

The processor asked me to send in bank statements so I sent them in on April 8th and called to confirm they had been received. I came home on May 3rd to find a 3-day notice to get out of my home, my home of 14 years had been sold at a trustee sale and the buyer was Wachovia. I was never given any notice thus allowing me a chance to respond or save my home. I have called every department at Wachovia to see what happened and everyone sends me to someone else, but will not allow me to speak to a supervisor.

I have written letters to the head of the foreclosure dept and to the mortgage companies attorney, with no response. They claim I needed to come up with $775,000 but they turned around and sold the house to Wells Fargo for $435,000 on May 15th. I know I will be receiving a unlawful detainer notice any day now and I don't know what to do to save my home. This just wasn't right and Wachovia admits that my file fell through the cracks but say there is nothing that can be done at this point, but for us to find somewhere else to live.

I'm not giving up until I have my day in court. How can they do this to us? They were deceptive and out of compliance but they don't seem to care, will a judge care? I lost our home of 14 years

About a day and a half later, they cleared the check and made the funds available to me. I withdrew money against the check. Then a day later, Wachovia indicated that the check was not good.

None of this would have happened if Wachovia had been more diligent and not made the funds available before they knew the check to be legitimate. I have tried to resolve this with them. The most recent communication from them encouraged me to pay them more than $1,000 that their actions cost me. I filed a police report related to the scam.

I lost $900 that I had struggled to earn and borrow for my monthly mortgage payment. My account was now overdrawn by more than $1,000. I was not able to pay my mortgage. And I am now prevented from having access to a bank account. Not having a bank account is a big hardship.

The first few years I didn't have any problems. However in the last 3 years the service has gone down considerably. Even more so now that we are in a recession. I was laid off from my job Sept. 2008 due to the failed economy. I was given a large check to as part of my severance. It was then for the first time I noticed BofA taking monies without my authority and unwarranted. In fact it appears they held the $15,000 check just so they could charge me $35 non sufficient funds. The funds were there in the bank but instead of applying the funds they held the check and charged me instead. It took fussing and 3 separate calls to get the 7 $35 charges reversed. Actually they only reversed 5 of the 7.

After that I started watching my account more closely. I started seeing duplicate charges for things and would call customer service to report the duplicate charges and each time the Customer Service Rep. would tell me that it wasn't a duplicate just that it glitch in the system and that the monies had not been deducted from the account and to ignore. I trusted they know better than me and let it go but then on November 17, 2009, I received an email from BofA that there had been some unusual activity on my account. Someone had charged $433.00 to one clothing store and another $755.00 to Abercrombie.

First of all, I've never spent that much on clothes at one time and never shopped at the stores mentioned. I called the back and confirmed that these were charges I didn't make so the CSR (customer service rep) walked me through getting a new debit card and said that they'd get it out right away and that the monies would be returned within the next couple of days. He also mentioned that there was another $800 that was pending and asked to cancel the transaction but he told me that they have to wait for the transaction to go through before they can react. The $433 & $755 had go through & those could be returned to my account but we'd have to wait on the $800. So he issued me another debit card and we discarded the previous one and he told me that he would take care of the rest for me.

Well a week went by and the monies had not been returned to my account so I called to speak with a CSR. This time it was a lady CSR. She apologized for any inconvenience & said she'd be happy to assist me (she was very nice as was the guy that helped me earlier on that week). She said she didn't know why the monies had not been returned to my account but that she could see that they should have been on her screen and ensured me that they would definitely be returned the next day. It's now the end of Nov. 09.

I gave it another few days and went about my business as usual. Do you know come December 12, 2009 they money still had not been returned to my account. I called and spoke yet again to another CSR. Do you know she had the audacity to tell me she doesn't see the transaction I'm referring to and that she can't assist me but to call back in the day and speak directly to someone from the branch. Well I call the next day trying to figure out what's going on and no one seems to be able to see the monies all of a sudden.

Now the first 2 CSRs saw that the monies had been taken out of my account and saw the email I had gotten and told me that the monies would be returned in days but now the transaction had vanished altogether but yet they can see I was issued another debit card in Nov. 09. Strange right. In the interim, my funds were low because the monies hadn't been returned to my account and therefore a domino effect happened were I was getting NSF fees because they had taken all the monies from my savings to cover some of the checks I wrote out for bills and the monies hadn't been returned to cover the bills. I had another acct with BofA so I transferred funds 3 times to avoid any additional NSF fees.

They used over $2,000 of my money for NSF fees claiming I was so far behind because of the NSF fees. They refused to return any of the monies and when I tried to discuss how this came to pass the CSR acted as though I was making up the story and pretty much brushed me off. I wrote 4 emails, 2 letters and made several calls. It's now June 2010 and to date my monies have not been returned and just recently even though I transferred within the last 4 months over $4,000 I'm in the hole because they continue to hold the monies and charge me numerous $35 charges for NSF. How is it possible to charge me when you have the funds and they are from the same bank and branch? They could actually walk the money over but instead they held onto the funds charged me non-sufficient funds over 13 times.

I asked to speak to an account specialist although I had already put in a request a month prior for someone to go through my account activities one by one to see all the duplicate charges, the monies held which made my account generate the NSFs and the funds I never got back in Nov. 09. Nothing has changed and now to date I have $0 in the bank. I won't even deposit anymore monies until they fix this. I opened an account with a credit union and will never go back to BofA even if they are the last bank in the nation. I'd put my monies in an Eagle's nest before I'd give it to BofA. I plan to fight to get my money returned but once I do I'm going to take it out of the BofA and put in into the Credit Union.

This is just ridiculous. You expect to have to watch your back for ID thieves. You don't expect the thieves to be your bank. You'd think they'd really want to protect you but it appears they only want to protect your money just long enough so they can rip it right from under your feet their selves. It's definitely a sad, sad day when you can't trust your own bank that you've had for over 20 years. But the trust is you can't so if you have BofA I advise you to go through your account with a fine toothed comb and I bet you'll find discrepancies of some sort if you do. Good luck and watch your back at BofA. It has destroyed my funds and my faith in the bank system. I'll never trust BofA again and I've been a customer for over 20 years.

Today I clearly explained to the teller to cash my Bank of America paycheck. While she was processing it, I told her I wanted to put $300 in cash-I specified this- in my checking and take the rest with me. My daughter and I have birthdays this week so I was treating us to Chili's take out for dinner. She took my debit card and it was declined. The manager at Chili's stated we were the 5th Bank of America customer who had been unable to use their card after depositing funds today. So my daughter paid cash. Money that should have been available on my card. I tried to pay a bill online later in the evening and again declined.

Looking at my account online I could see a deposit for the $300 stating it would be available TOMORROW. I've never seen that particular transaction description on my account. Even when the tellers were depositing as checks in error it was a different notation. So I called customer service. Even they could not explain why cash was on hold. This is ridiculous. When I call to talk to the Branch Manager tomorrow, I'd bet good money the whole thing will somehow be MY fault because I didn't instruct the teller as though she was first grader. I think I'll start talking to them like the morons they are from now on. And if-IF I find out cash is NOT being made available same day - complaints to the attorney general, FTC and FDIC will be next.

Had they deducted the charges based on the date of the transaction, I would have only had one fee of $35. Instead, they reduced my balanced from largest to smallest, resulting in several charges for small deductions. They will not refund any of those fees even though I had over $1000 in another account at Wachovia. And I have had my accounts with them for over 10 years!

We immediately spoke with the branch manager and he stated that he could do nothing about it. He stated that it was supposed to offer an option to cancel the transaction if a hold was not desired. He just gave us this helpless "sorry" look and kept our money. He said he could do nothing about it. After two days, he could get the hold off the check and he suggested that we might get it done by calling customer service - the outcome of which has yet to be determined. He explained that an outside company services, the ATM, and they have nothing to do with it.

Personally, outsourced or not, I think the Bank of America has responsibility to the consumer for the failure of their service to perform, even if a third party is responsible to them for it. Bank of America is the one dealing with the consumer and making promises to the consumer. By not informing us that a hold would be placed on the check before accepting it in deposit, Bank of America kept us from cashing it at the bank on which it was drawn and secured interest on the full amount of funds during the float time until we could actually draw on the funds. So Bank of America does gain something from this failure by an alleged third party.

Meanwhile, consumers should know not to deposit large checks in that particular ATM if they want to be certain of immediate access to the funds. You will not be able to get your money, plain and simple, until they let it go and they will keep making money off it anyway. We had our receipt that says Bank of America had our money and Bank of America said too bad.

Over the next five years we were very good banking customers. We conduct most banking electronically; we did not run overdrafts, owned a premium credit card and even owned a savings CD. In 2010 we opened new business checking and savings accounts. Bank of America also issued us a business credit card. Everything seemed fine as we started using the account for a new business. About two months later, we received a letter in the mail concerning the business accounts. The letter stated that Bank of America "has elected to close your account in accordance with the provisions of our deposit agreement and disclosures provided.” It goes on to state that Bank of America "may report the account to Chex Systems, Inc., an account verification service. This may adversely impact your ability to open an account at another financial institution for up to five years."

There was no explanation for the account closures; however, it included a phone number for questions. Instead of calling the phone number, I decided to go into my local bank branch. The banking center manager told me there was nothing wrong with any of my accounts and did not know why the new business account would have been closed. The manager contacted the Bank of America Risk Identification Center and was told that the reason for the closure was due to a 2005 incident involving electronic transfers. They had no more information except to say that "any time an account is closed by the Risk Identification department, the customer can no longer conduct business with Bank of America."

I explained the event to him and he proceeded to tell the bank branch manager that she could try speaking with bank management. Two days later I received a voice message from the branch manager apologizing for the policy, but that they could not reinstate the accounts. I went to the branch and visited with the manager again. She told me that the risk identification department has only been around for a couple years and was not even in existence when this episode happened. She asked if I had any paperwork about this incident from 2005 and I told her that Bank of America should have everything already. She stated that management would look at and consider any information I could provide about the 2005 incident. Apparently, the bank has very little information from five years ago and is asking that I provide it. Bank of America handled the matter in 2005 and did not provide me with any follow up correspondence as to the details after I reported it. She then stated that there was no risk to any of my personal accounts, the accounts I re-established in 2005.

I decided to call the risk identification department again to double-check if there were any other reasons for closing an account in good standing. The woman on the phone confirmed that the only reason for closing the account was the event in 2005. She reiterated that it is their policy to close all customer accounts no matter the reason if the risk department initiated the close. I told her that in 2005 I contacted Bank of America and worked with them to close the account and reopen a new one. She could not confirm anything in regards to the matter except the bank policy. She didn't seem to have any information about the event.

The risk department representative also had no idea about my current personal accounts (created in 2005 after closing the breached account). She was not even aware that I had other accounts. When I told her, she looked my personal account up by account number and stated that this account is probably in the stages of closure as well. With policies like this, Bank of America is passing the blame for security breaches to their customers. When this happens, the bank will blame you even if you are not the cause for the fraud affecting your account. In these circumstances, the Bank of America will close your accounts with no warning, post a notice on the Chex system for all banks to view and will even charge you a $50 fee to thank you for doing business with them. The consequences are $50, negative impact due to Chex notification notice, and the inconvenience of establishing new accounts.

Well, needless to say, I made numerous calls because the same thing started happening over and over. I finally have a total of $600.00 in overdraft fees which I could not catch up. I called the bank to see how we could work this out--I was told to pay $300.00 and they would make the balance zero. They informed me this could take up to 30 days for my account to reflect the change.

I asked if they could provide me something in writing stating that if I paid $300.00, they would credit the other $300.00 and make the balance zero. I was told they could not do that. They said I would have to trust them. I can't trust them, they already showed me that their intentions were not favorable. We went back and forth, but never could come to an agreement. Now, they have me with a check system and I cannot open another account anywhere. Can you please advise me as to what I should do?

I finally spoke to someone over the phone who finally told me how much I should put in the bank because they were going to hit my account with three more overdrafts, so after depositing 340.00 dollars in the bank my measly 35.00 debit and my measly 11.01 debit finally cleared. That was my Christmas present from bank of America, I took my direct deposits out of their bank except for a small one that I immediately draw out non the first of the month. I want them to go through the expense of cutting me a statement. The worst bank in the United States. It cost 340.00 to clear up my account and completely ruined my Christmas.

We have been a customer since 1969; they don't seem to value a longevity customer and unfortunately, changing banks would not be any better. I want this practice of overcharging overdraft fee to stop. I want $70 posted back to my account.

I also am in the process of trying to get my money back from their own ATM. It has taken over two weeks for my money to show up and I suspect the amount will not match what I deposited. I will verify that later. In short, I used their new deposit system with four checks that I signed. The ATM scanned and processed the first one. The second one took awhile to scan but it finally did, then the third one took even longer but it never scanned the last one. The ATM shut down and printed me a receipt for the amount of only the first check and it never even printed the scanned images on my receipt!

I instantly called the 800 number to report it and the person said it should show up within a few days once they processed the money in the ATM. If not, then call the dispute department to open a case. Well, five days go by and I called the dispute department and things only get worse. The first time I called, they made a case but never gave me the number and I didn't think twice about it. I then waited a few days and called back to follow up on the case. What case? There was none. So the lady then takes my case again and gives me the case number. I asked to speak to a supervisor and informed her how serious this issue is. She gave me the case number and assured me that the case was in fact open this time.

Okay, I think to myself, this has to be the end. Nope! I then called back a few days later to find out that the case was open but they didn't have the right information in it! So for the third time, I stated my case. I got a new case number. I didn't even feel like talking to the supervisor knowing how futile it would be. Well, I looked this morning and saw the deposit came in. Now, I need to see how much is outstanding because it looks like I'm missing some money still.

The practice you are utilizing is unfair and quite the racket in obtaining money. What makes this worse is that when I called customer service, the first operator treated me with disdain and like I was a criminal, with short words, an unclear explanation (like I am too stupid to understand), and indifference. When I asked to talk to a supervisor, she assured me that she wasn't going to let him change anything or help me either. When he finally came to the phone after a lengthy delay, he pretty explained to me that your system works that way, and it doesn't matter what day/order you make purchases on, and what money is available then; so much for accountability and common sense.

It comes down to the fact that the bank can choose what goes through and when, and cause overdrafts. Mine was the ridiculous amount of $175. The common sense practice of basing overdraft fees on money that is in the account on the day of purchase is not utilized.

When I ask for assistance from Bank of America, they tell me to contact the state. When I ask them to research it internally, they refuse and tell me it was too long ago. I keep getting the run-around. Meanwhile, the money I deposited with the bank is as good as gone. I still have my passbook and an old bank statement from March of 1998. The original $25.00 plus interest would be in the thirties by now. The frustration and aggravation caused by their disregard for a customer that has had their money taken from them is far greater.

I called Wachovia and they told me that they would send me another card for $20 expedite or $5 regular mail, in which I did the cheaper of the two. Waiting was wrong and you had to pay for it and wait. I left the card in their machine and they still charged me for another one?

Twenty dollars for faster service is a rip off and they know it. I guarantee that you, Wachovia, has made millions in ripping people off. I thought Americans were in a recession and we do not have to continue in a downhill spiral to be taken advantage of. It's sad that they have over 15 states that they are doing this to.

Why must banks be so greedy? Withdrawals also need to be increased as well. This shouldn't be.

Basically, by not having a full time job, they are actually taking away money we all need. Every $20, $5, $1.95, 50 cent and etc. counts, we get a small income. Shame on the banks that they are still stealing money. Are they ever going to stop?

I called the division in MO which handles the force pay collections and was told I owed $395. I stated the amount was mostly for fees. They were unsympathetic, unapologetic and said if I wanted to dispute, I should have done so in February! They changed the ledger online to make it look like it was my fault! I checked my balance every day and did not see the force payment until the 2nd of June! They said they took the money out on 5/28! That was a complete lie! I was paid that day and paid rent with the money in the bank. It was a holiday weekend and there was no way of knowing until it was too late!

These people are crooks! They changed the ledger fraudulently which is against the law! But big BofA against me, like they're not going to admit they broke the law to collect an unjustifiable debt, not my fault! I have been a BofA customer for years! I have never been treated so badly and with such lack of concern or ethics!

Another that I can prove shouldn't have been held, as it’s my cell phone bill that is due on the 12th or I will be shut off but was passed on the 17th and I have the receipt for that. They charged me $175 in overdraft fees, again this all happened in one night. When I tried to speak to someone on the phone about this, they passed me from person to person, and no one could do anything for me. I stated that they should have declined the gym membership if it would have put me into overdraft, as I had money in my account, just not enough to cover the membership fee at that time. They chose to pass something which I had expected to decline. (If I don't have the money, decline it!) I was even told by one snippy rep, after a long conversation, that I should "keep better track of your money ma'am and then these things wouldn't happen, now would they," (they record all calls so it's on there).

I was blown away. I stated I wanted my "overdraft" turned off, that I would rather bounce a check or have my card declined, than have my hard earned money taken from me as a courtesy to myself! They offered me $28 returned from the overdraft fees (how sweet) which I of course took as it was the best I was getting. Fast forward to June 8th, and I log on to my account, which if all charges had passed in order. I would have had $6 left. Upon logging on, I see that I am negative $208. They, again, held off on previous charges in order to pass from smallest to largest, which then put me into overdraft, which I will say I would have been, but for only one charge, not 5.

Also, on September 23rd 2009, Wells Fargo announced a change in policies in that they will charge no more than 4 overdraft fees per day, which my total of $208 is $5 in one day. This is false advertising (I have the press release printed off, and it came from Wells Fargo's own website). Now I tried, in vain, to deal with a bank I have been with for years, and no rep would do anything for me, not even another measly $28 like the last time.

I am tired of accession overdraft charges that I don't even want, decline me, bounce me, but don't take up to $200 of my money to "pass charges for your benefit ma'am." I cried at work when I was the negative $208, which was jarring to me. I am now a single woman driving home from work late at night with no safe cell phone for the next 2 weeks as I cannot afford my bill. I am the sole income in my household of 2 people (as my sister is out of work and trying to get unemployment). I have had to contact Carlos with Fidelity Bank to cancel my car payment because that check, of $200, is now being taken from me by Wachovia. I will now have a $50 late fee for my car loan and a late payment spot on my credit. I have no groceries or gas and as I’m writing this. I’m still not sure how I'll eat the rest of the week (its Tuesday). I'm mad, scared, sad, hurt and just lost for how to deal with this, feeling like it won’t ever get better.

Then they tell me well you are not eligible to get any funds refunded! What a load. They are just taking people's money without any remorse or show that they know they are doing something wrong. I wrote them this message and I hope that they get it. As much as I talk about how wonderful Wachovia is to my friends and then they change over to Wachovia and you all continue to tell me that your computers do not make mistakes, and that the people that you have working with you do not make mistakes. No one is infallible; everyone and everything can make a mistake.

Last week $10.00 was listed as cleared right above a shell station debit of $10.00 as well. Somehow, it disappeared and then reappeared and took my account into overdraft. This is ridiculous! I have never been so displeased with the amount of service that I am receiving. I keep a tight accounting book on our records because I am not working anymore and even then was only working part time, we don't have money to waste. And all I keep hearing is that you all don't make mistakes.

I am done with Wachovia, as soon as my account is cleared I will be moving and telling all of my friends what kind of crooks exist at Wachovia. I will also be posting a blog about this entire transaction and all of the others that cleared and then disappeared and the reappeared. You don't care that people are struggling, you all don't care that people are having funds problems. All you care about is the bottom line. And if I had the page that showed this error on your part, I would definitely have shown you all and posted it online as well. You all have a Blessed and Wonderful Day! They are such jerks. I hope that they go belly up!

Well to make a long story even longer, they kept charging my card over the Labor Day weekend and the following week, even after I deposited $500.00 cash plus $500.00 from another account with another bank. For whatever reason, the overdraft fees kept mounting, even after they sent me an email stating a "review board" was going to review my account (this was when it was $290.00 in overdraft fees). Well I don't know what they have done, but now my account has $500.00 in it and they have taken $690.00 out of my daughter's account and she is not on my account nor am I on hers! She is a college student and on a limited income.

Wachovia did this without notifying me or my daughter. They keep doing these acts on the weekend, when I am unable to talk to anyone or prevent further snowball effects (i.e. increased fees). Please help me. They (Wachovia) say they will review, say they will call me, etc. How can they do this? Help me please!

How much money was wasted and is being prepared for false claimants who might turn up as angry defrauders and use different tricks to make my life more miserable and make me and my likes scream because of justice? Why the system is specifically very conservative on certain targets and pays all the targets' money to footprint stalkers who are not even afraid to download communications like this by virus and monger fear on courts of laws without any fear by deception? I am very hurt and I need an immediate settlement ASAP before trap is prepared by a white collar criminalizing group that kills by "Their Own Rope" as it calls it. More than 1,000% emotional destruction! I feel destructed and solicited by certain false claimants by deception.

I didn't understand all that he was saying but I asked at the end of the conversation if he was sure my card would decline if I had insufficient funds and he said yes. So I made sure not to overdraft after that. In April, I had used my card for a couple of dollar purchases not knowing that I didn't have enough money in my account. I assumed the card would decline like I was told but it didn't.

So I got overdrafted over 200 dollars. When I realized this and called the bank, they told me sometimes the card actually doesn't decline, which I thought was so unfair because if I had known that I wouldn't have it, in the back of my mind, that the card would decline with insufficient funds.

With the first purchase, I was told my account was over the limit thirty five cents and they charged me thirty five dollars over draft fee but that is a lie! I had the money in the account and online showed that I had the money in the account. No one seemed to understand this. I was also shocked at how mean and rude all the representatives were. I called times times to be exact. The final time I called, I got a very nice man who even gave me his name and said he was here to serve me. He did give me a one time credit of just thirty five dollars to help me out.

I am still upset because I was charged one hundred and five dollars in fees when I had money in the account! I used to have Bank of America and this happened before but it was my fault and they even credited me back all the money. They were nice too! Wachovia must have trained their employees to just say no to everything. They even say no to even there own mistakes. So they could see right there that I had money. Mom told me to just go to the bank near us, and show them online and explain what happened and I am going tomorrow.

Since closing my account next time they try to take money from me, I will not pay it because I am stopping my direct deposit and will take out only the money I have in the bank. I can't afford this to happen every month. It has only happened this month and I have been with them for about six months but I am leaving this company and switching back to Bank Of America because I had them for ten years and no problem but grandpa has a savings with Wachovia and that is why I switched.

I even told some of the reps over the phone that my grandpa was wealthy and I will switch banks and he will too but they did not care. No refund and no explanation, that I was satisfied within what happened with my account! With the ninth person I talked to, I started to cry and have tears. I talked to a mean lady who said there is no way they are even allowed to give refunds and she looked up my name to see if I was qualified for a refund and she pretended because she came back to the phone in five secs to say no. I begged and said please, this is all the money I have in my account and you all stole from me. They did not care, did not care that I was in tears and knew I was crying and had no money to live on.

They stole from me. I could have starved to death with negative two dollars in the bank. Thank God that he refunded at least thirty five dollars, even though they stole the rest. I told the reps that I would starve to death and had no gas money either. They said, "Oh well." I mean I was serious! My grandfather has money and he does not even help me. I am a loner. I really have to only depend upon myself!

They were all cruel and evil when they could have easily sent a refund. The first nine people which eight were women and one was a man and the person who refunded me was a man also. If any of you guys reading this have Direct Deposit with Wachovia cancel it fast. They will send you fake over draft fees! I read other reviews where the same thing happened and I was surprised I was not the only one.

They were recording from their end. The reason that I recorded the some of the later conversations is that I was given false information. I call the Fed's and was told that what they told me was not true. I would not put my dog's bones in their bank anymore. I would not use them if I were you either. I checked some of there ratings and seems that they would not be doing good if it were not for tarp. Stay away. I spend the Memorial day week end and had to cancel all my plans because they had lost the money I sent them.

My last statement showed I had a balance of $197 and some cents in it. I had overdrawn in my checking and went to make a cash deposit. I was short a couple of dollars and was going to have some taken from my savings. This rip off told me I was overdrawn in my savings. I was totally upset! I asked, "How could this be when I had never used the account?" This rip off told me that it was a charge for them putting it in my account--this was their idea. How crazy is this? Bank of America is a total rip off!

Well, to my surprise I over-drafted when my mortgage payment went through. I should have only been charged one overdraft but was charged four because BOA changed the order of my debt card purchase dates to later time to overdraft my account four times. I asked them to refund me; they keep saying they can not because computer won't allow it. Also, they say it’s not my fault or them personally. It’s BOA’s bad policy not giving them (BOA worker manager) the ability to refund me. Also, the BOA employee had stolen BOA account number; BOA notified me by mail. I checked my account and it was in the red. They stole all my money. It took them 2 months to pay back the amount and they also stuck me with some overdraft fees. Throughout my experience with Bank of America overdraft abuse, I became delinquent on my mortgage and have had no money for food or gas and also suffered depression and almost lost my home.

On 5/29/2010 I called back and spoke with another customer service representative who refunded my fees because they were illegitimate. I have screenshots to prove the bank account was NEVER in the negative and that the bank never had to pay for any of my charges on my behalf. Today, June 2, both of the fees reappeared in my account. I am short on my rent which will now have to be paid late, and I am not on a lease so this could mean an eviction, although I hope not. I also cannot afford to lose $70; I am a single mother with no other income but my own.

I saw the credit for $800 almost immediately. Unfortunately, they then debited my account $600 under the description of only "Bank of America". I have called everyday for the past 2 weeks and they have yet to correct the problem. I have had no access to my own bank account for weeks including a holiday weekend (Memorial Day 2010). No way to buy gas, no way to eat for over 2 weeks. I have been left with no other choice than to file complaints with the OCC, political offices and major media outlets. If this was by some way an isolated incident, I would have more empathy. However, this is one of a long string of similar events. Bank of America has taken money from me and their customer service associates "recognized the error and are doing everything they can to resolve the matter".

I do not consider 2 weeks prompt nor "doing all you can do". Not only have they applied bank fees to their own debits, they just can't seem to give me a correct answer on when I will see my account back in the black. Not only has my identity been stolen several times in the last year, only a couple months ago, a bank associate pocketed a cash deposit made into my bank account. This has got to end. There has to be some form of consequence for Bank of America not to adhere to the same rules and regulations as other banks.

They do not just maximize ISF fees, if you have one account covering another, they'll charge $10 each time their computer (automatically) goes through the arduous task of simply moving $ from one acct to the other. State Employees Credit Union charges 50 cents for this. I called Wachovia and asked how much a wire transfer would be and they said $40 plus $22, so $66. I said that was outrageous and the guy said it was because the Federal Reserve System charged them. Not trusting Wachovia not to try to gouge me and not being dumb enough to believe this guy, I went to SECU and they did it for $6! I've seen lots of posts here too about their Laissez Faire attitude towards account holders. They truly do have Southern customer service. I left a message for our branch manager Chris here in our hometown after being treated rudely and, of course, he never called. Trumped up fees, near fraudulent behavior and shoddy customer service resulting in anger and despair and going through the pain of shutting down of our accounts.

$105.00 overdraft, due to a hold place on a check that I was not advised. Even though I spoke to a teller before making the deposit, I was advised funds would be available the following Monday 5/24. This was my second paycheck, just returning to work following several weeks of unemployment, I spoke to two people inside the bank and 4 in customer service. Obviously, Bank of America needs the $70.00 more than I do. I've been a customer since 1994, means nothing, understood.

3) Your Mini-Statement (1USD cost) does not include the same day transaction effective May 3rd 2010 because it is what it is.

6) The reform is already hijacked and crippled so very successfully by crippled and deluded governance at the State level.

I don't want to change banks, because I've been with Wachovia for so long. So many things are happening with this changeover. I am not a person who forgets that I owe people money. My credit is very good, and I worked real hard to keep it that way. But now? I know you are very busy and the complaint is so the same to others. Please just hear me out on this.

When you call their customer service about NSF fees, the way they see things posted do not match up at all with what's on my online account. Lastly, I'd also like to point out that if you go to www.wachoviasucks.com it actually takes you straight to Wachovia's log in page. I think that speaks volumes.

I got Geico to credit back the prorated amount of $56.91. Then I called BoA and explained the situation. The woman I spoke to whose name I did not get (but will if you need me to) looked through my transactions. By this time, I'd accumulated 7 overdraft fees of $35 each ($245 total). She agreed to credit the first two, but would not credit the next two on the grounds that if Geico had received my letter, they would have still charged my card the $13.43 difference (which I can almost guarantee would not have happened without consulting me). And that $13.43 would have caused me to become overdrawn twice, which is true, but based on an assumption. Not knowing I was overdrawn when I made these transactions, I'd called the day before and was fine. I had enough to cover every transaction I made up to my deposit on May 11th. I did the math. The $13.43 that BoA is assuming would have been charged by Geico is justifying their slapping me with two $35 overdraft fees.

There's more. I was hit with 3 more fees this week, as my account once again became overdrawn because of Bank of America's overdraft fees themselves! I do not think it is fair to penalize someone, then penalize them for being penalized and I'm hoping you don't either. Rather than sympathize with someone who was wronged, this woman did not seem to want to help me. While I did question the decision to uphold 5 of the fees, I did so without ever raising my voice or using inappropriate language. Yet I was accused of "not understanding my account", chastised and blamed rather than sympathized with. If that's not enough, this woman reminded me that if I do not take care of my negative balance by 5/23, they'll take $35 more in penalties for 5 days of negative balance.

I called Wachovia to request refunds with no cooperation. I was told by a total of 4 different people that this occurred 4 different ways. Most of the time, they showed an incorrect balance, as of the time I was talking to them then they showed posted online. No one would give me credit even though I pointed out that I had a deposit in hold. They said those are no good when done after 9:00 pm, yet it is after 9:00 pm when they post items to the account in many different orders. I have seen and have printouts that show where items have actually posted but the next day, they have removed them, posted other larger items in front and then re-posted just trying to get an overdraft.

I am sick of them stealing my money that I work hard for especially in this economy just so their CEO can maintain his million dollar bonuses and keep driving his Mercedes and live in his multi million dollar mansions at our expense. Enough is enough. These companies need to be fined. I hope the current lawsuits will prevail and cause them to have to repay billions back to the customers they stole from, including me! I had several bills I could not pay, not including the fact that my daughter was getting married the next weekend and money was tight trying to put that ceremony together. This is no different than if some thug held me up at gun point and took my money.

When I went to my bank to talk to them, it appears that several people had been blindsided too. The bank people couldn't answer any question about what had happened. The phone number that they gave me was some company called Checkcard Debt. The people were rude and hateful and all I got from them was that I could no longer have a checking account because I owe another bank some money. I have never heard of another bank placing a hold on my personal banking account. I haven't even received a notice about payment of my account from the other bank. I was told that I would eventfully receive my money in about 2 to 3 weeks.

I have breast cancer and I have medical bills that I must pay or my treatment stops. This Checkcard company was allowed into my account and even though I only owe a small amount, they put a hold on all my paycheck. I thought that only the government could get my information and place a hold on my money. What happen to only holding what I owe and give me my leftovers so that I can live on? Who gave them the right, what rights do I have? I receive no letters, no calls, no nothing. All I get is some hateful person on the phone telling me to deal with it.

Only recently, I ordered some checks at the teller's counter. I received the checks in the mail almost a week before the account was charged. Naturally, instead of posting this transaction 2 weeks ago when the checks were ordered, it was only posted when the account had insufficient funds and obviously another $35.00 fee! I believe these practices by Wachovia need looking into and all customers with similar experiences be refunded or at least file a class action suit.

I explained that I was in desperate need of the money (single father) and by not honoring this check, they were putting me in a terrific bind. The branch manager was obviously unmoved and uncaring. I understand the bank must take care not to accept checks which may not be good. But to not honor a check written by them is nothing short of fraud. In the meantime, due to my check being held (something I never thought would happen), they will enjoy charging me $35 for every check I wrote before learning of the hold. I have phoned and written BOA over the past 24 hours and they have been completely without pity or concern.

Finally, we let the mortgage payments fall behind. When we were 3 months past due, Wachovia offered us a HAMP modification. After going through the process again and being told we were approved and that the paperwork was in the mail, we received a denial letter. Shortly after that we received a letter of pre-foreclosure. My wife is now employed again and we have called Wachovia repeatedly, as much as every day of the week to find some sort of solution to this dilemma. The last phone call we made we were told by Rudy that we could not speak to a manager and he refused to discuss our foreclosure with us. Wachovia has made it clear to us that we do not matter to them. Customer service is nonexistent. Wells Fargo and Wachovia are scam artists.

This is not all. Meanwhile, I received an email that if on 2nd February 2010 I pay 3 bills online, I will receive $35 within 90 days. The 90-day duration is over and I haven’t receive $35 and I paid three bills on 9th February. On the whole, I can say this is the worst of worst experience with Bank of America. And I am considering closing my account. This is all very frustrating. Don't ever be fooled by the misleading promotions that Bank of America runs. They are just scams to drag money out of customers’ account, you will never receive promotional incentive and will be misled by the customer care representatives including banning center associate.

Then my husband lost his job. This still wasn't enough hardship. Our denial letter stated that we did not prove enough hardship, really? We have proven time and time again to many different representatives that we cannot afford the payments based on salary and mortgage payment alone. Everyone agrees that we can't afford it, yet we keep getting denied because Wachovia gets their faithful payments every 2 weeks, without mentioning that we have never once been able to pay $1 towards principle and have about 40K in deferred interest. It's absurd! They get their money and they don't care if we never own our home. We have contacted an attorney regarding this issue because I have researched enough to see how many other families are affected like we are by Wachovia's poor business practice.

We had $200k down on our home and it is gone. We have negative equity and deferred interest. We have never been able to pay a payment that includes principle, interest, and escrow. I am suffering from severe stress and anxiety from the duration of time this has taken and the inability to have one person care enough to help us.

During all this, Wachovia put a new disbursement person on loan. When I asked her why were title searches not done before all the other four disbursements from loan account, she said they were! I said if they were done then why was money released before and not now? And why am I paying $100 for each title search now and never paid for any that were done previously before? And why was first lien not seen? She had no answer for me! Even the women at title company of our closing attorney told me after closing no title search was done by their office for Wachovia.

Wachovia would not allow any other company do title search for property so no one else could had done. When I read loan paperwork, it clearly says that a title search is to be done before each disbursement. I have all my emails of my questions and their vague answers. We fired the contractor. We found out he had a felony record, had served prison time. The kicker is he went to jail for writing bad checks and theft. All this happened prior to Wachovia approving him to build our house. By the time we got out of this mess, it was Oct of '08. From Oct on, we had started looking for a new contractor to resume building our house. Every person we presented to Wachovia they said no contractor could not be approved.

Our deadline for converting loan to a mortgage was January 31, 2009. Every time Wachovia did not approve a builder. They would tell us that they could not tell us why due to privacy. Only crazy thing is we gave them four names! No one could be approved. Then they sent us a letter saying because we did not get another contractor they might put our loan into default and try to foreclose on house. It took a family member who knew the law to call them tell them that is when they starting cooperating with us. We had to start giving them name of contractors who presented bids out of 12 contractors, two were approved. This is only because they had a new construction license.

At no time before when we were looking for a new contractor did they tell us they had to have a new construction license. As the first contractor who caused problems did not have a new construction license only a home improvement license. Now, since house is finished we cannot convert loan to a mortgage as now we do not meet Wells Fargo standards! House is not being appraised at the high quote. It was when Wachovia approved our loan so now we are living in our house not knowing if one day they are going to want to come take our home. They say they do not want to but why won't they convert loan to mortgage?

We are both working, have no debt other than house. Our credit scores are good. They have given us an extension until Oct 2010 but neglected to say what would happen then if housing market does not turn around. It just does not make sense to me for two people willing and able to pay for their mortgage to not be able to because of their mistakes. It is very stressful. I just want my loan converted to a mortgage so we can live our lives! I have to say since this has been happening, I have gained weight due to stress, constant fatique, my hair is falling out, hard to remember things, etc. I get depressed all the time! Economically due to wachovia not using the first appraisal we cannot change loan to a mortgage!

I tried talking to someone in the Boone, NC Wachovia but the guy they had me talk to basically told me to ** off. I have had to deal with the same guy before and he perfectly represents Wachovia in my opinion. He almost ** up last time I had to deal with him but when I caught it, he made sure to inform me that I was in the wrong before he fixed it.

After all these transactions, I am left with $443.94 then surprise! On the same day, I am charged $245 of overdraft/unavailable funds fee and left with $198.94. It is then that, on May 4th, six transactions go through my account: $300, $176.62, $39.99, $30.00, $20.00, $8.95. At the end, I have a negative $376.62 in my account. I am then charged (again?) $210 of overdraft/unavailable funds fee, for a total negative balance of $586.62. I called up the customer service phone number on their website and they invited me to go a branch and meet with Mr. Patrick * (not after the lady I talked to tried to prove me, how stupid I am!). So, I went to the branch located in Bethesda, to talk to Mr. *. Rapidly, the man tried to explain to me where the $245 fees were coming from, according to him, there were seven transactions which went through my account at the same time, I didn't have enough money, so I had to be charged for them. However, when I asked him about the other $210 he couldn't give me an answer, since the transactions I was supposedly charged for are the same in both cases.

Not able to give me any further help, he went to call the branch manager, who could determine "if I was going to be refunded or no." The branch manager was Mr. JP *. When he appeared, he went straight to the computer, didn't even bother to know how I was doing, or what was my complaint. After he spent five minutes or so between his computer screen and a calculator, he (finally) looked at me, and said, "It all adds up." I was astonished. I had the printout of the account in front of me and when I tried to explain to him what was my opinion, he told me that it didn't matter anyway, because I "overdraft" my account too many times. I don't know if because I have a lot of overdrafts in my account (for which I pay $35 per transaction! And I have had 99 the last three months alone!), that gives Wachovia the right to steal my money from me. I don't see what happened as something else than theft and when they hire people like Mr. * who are not customer oriented and don't even their job (he couldn't explain anything to me, his only justification being "too many overdrafts"), one can understand why they needed a bailout!

If I am relating my experience here is to let everybody know how theses banks, especially Wachovia Bank still from us, please if you are with them, check your account every day! The best solution will even be to close your Wachovia Bank account because you can't stay with a bank which is not trustworthy. If I can give you people out there a piece of advice, open an account with a credit union.

On February 21st on Channel 7 5:00 news, I became aware of Bank of America’s fickle practices and occurrences and I would like this situation investigated. I believe this is an inside job of representatives selling customers’ profiles or linking our accounts to bogus links to take control of our funds. This is serious and I need help to recover months of funds that were transferred out to inside transitioning.

All the time this is happening, the other teller stops what she is doing and stares at me like I'm Bonnie Parker! Then the Mexican guy told him to "refuse" the deposit. I'll bet he never questions illegal aliens about whose stolen SS#'s they work under. You can bet that doesn't happen. Now, I wonder if my son’s check will be void by the time he gets home from overseas or if they will "refuse" to let him deposit his own check. We are talking about a government check being deposited into an account that he and I both hold. If you are looking into choosing a bank to do business with, run, don't walk away from Bank of America! This is the sorriest excuse for a bank and yes, they need to change the name, because there is nothing American about this institution.

This happened today, but if the check is void by the time my son comes home from overseas, I don't know if the IRS will issue another one, not to mention he needs the money to pay his bills. I had to put the check in a drawer as they are refusing to let me deposit it. No Patriots at Bank of America.

Yesterday, they went into my checking account and removed my entire paycheck, when I called and spoke to a bank representative, they told me that they have the right to take all the money in my account and I was lucky they left me with any money. When I told them that I only make $1600 per month and I have a 4 month old infant at home they then proceeded to tell me I needed to go get a better job. I've never been told of a court decision to garnish my bank account nor have I received a letter telling me this was going to happen. The lady then got very rude and hung up on me. Could not cover my rent, electric bill, or provide food for my family.

I called the bank and asked for them to block the consumer, so that they would not be able to charge my account. They told me they cannot and that my account was overdrafted. And they allowed the company to charge my account. I was told that I gave the company my information and that it was not their fault. Not until I threatened to file a claim against them did they block the company from charging my account. I have been paying off bills like $500 to $700 in fees.

Unfortunately, when my husband opened the account, he didn't do his homework on the bank. I have called the bank countless times in an effort to get some of the fees refunded and I was told that my account is flagged and Wachovia will not talk to me. One customer service rep just hung the phone up on me. I don't expect to get my money back and I fully intend to leave this bank, but is there any way to stop Wachovia from doing this?

After 90 days, I received a letter saying the promotion would not be honored. I called customer service for help and was passed around to a few departments until an associate said he would resubmit my account to the promotions department and I should hear back within 30 days. When I never heard back, I called again and eventually was told I would need to visit a branch in person. On April 2, I visited the banking center at Flushing, NY where I spoke to Yuleisi and Omar. Both were very courteous and tried to help. They expressed surprise that the telephone banking rep sent me to a branch, as the branch could not offer anything more than the phone operator.

Nevertheless they spent more than half an hour with me calling various departments (including customer solutions and marketing promotions) at the bank to try to help. Eventually, no one could help and I was given the phone number for online banking. I called online banking and was told I would need to use the debit card and then call back again. I used the debit card and called back last week. I was told that my request would be fast tracked and I should hear back within 1-2 days. I still have not heard back and I still do not have the promised $100.

After I sent the above complaint to the Better Business Bureau, I was contacted by phone from someone who identified himself as being from the Bank of America "CEO's Office". All he said was that they had decided not to honor their offer and that the decision was final. I was forced to tell the caller that if this is the way they treat customers I can't continue to bank with Bank of America. I requested my accounts with Bank of America to be closed. I am still demanding they honor their word. I have contacted the bank by phone, email, chat, in person, Twitter, through the BBB. I don't know how to escalate this except maybe to a small claims court. I'm hoping Consumer Affairs can convince them to see sense.

I called Bank of America to ask them why the teller would put the check as pending, but tell the person I had no funds. They couldn't figure it out and all the representative said was, "Well, the money is back now." I don't trust Bank of America and how could a bank make such a mistake? The person I gave the check to still had the check in his hand. The bank never took it from him. It all seems quite suspicious. When the customer overdrafts his account, he is charged at least $35. We should be able to charge the bank for their mistakes! Don't bank with BofA! The person who did work on my house has still not been paid and it looks bad for my reputation.

They really are as bad as they say they are and my mother fought with them for months over a mortgage that was proven paid but one of their systems said that it was not. She is sick as well and they put her through the ringer. This bank should be broken down and demolished. Trust the Lord! I can't help my wife. She almost lost her home on their mess.

Also my balance was kicked back to my 4/14/10 balance of 120.07.

Everything that posted 4/15/10 was deducted from that amount and largest to smallest which also contributed to the overdraft fees. None of this was reflected on my online banking. This is ridiculous and misleading and I'm thinking illegal now. How can you post purchases to my account, show them as paid and then add another charge and decide to make that purchase negative because the last charge was the higher amount? Customer service refused to give me any kind of credit, and I was transferred to another department.

Was on hold for exactly 1 hour and 17 minutes and 32 secs before someone answered my call and the gentleman whom I spoke with was rude and basically told me that online banking wasn't a true record but that's not the banks fault, and I should keep up with my money better. Then when I asked to speak to a manager, he refused to transfer me to anyone else and told me that I have exhausted all other means to get the problem fixed and have a nice day. So, I have bills to pay and I'm out 175 dollars because of Wachovia.

Apparently, there is only one person in Winterville, North Carolina that can endorse it. Now, we have to wait to get the car back until the check is returned with the Wachovia endorsement.

They continue every months to charge me even after I complained monthly about the charge. Eventually, I close the savings account.

Then, they continue to charge me a fee even after the account was close. I had to go the bank to rectify their mistake. I could tell you so many, many other times I had problem with them but the reason of this complain is for the letter I received yesterday.

Few years ago, I reopened a savings account, (my stupid fault!) And again, I got more problem, so I decide to close it again. Again, they have been charging me every month, even if I close that saving account, November of 2009.

Yesterday I receive this very scary letter, frightening me to destroy my credit and my working relationship with any other bank. I am so tired, of their lack of professionalism, and sloppy bank work. Here is part of the letter:

Our records show your account has been overdrawn since 01/06/2010, and your current unpaid balance is $14.29. It is urgent that you make a deposit to your account for the full overdrawn amount plus any service charges incurred subsequent to this notice. If this deposit is not made, your account may be closed. If your account is close due to an overdrawn balance, it may be difficult for you to establish a banking relationship elsewhere and we may take the following actions: report to checxsystems, inc,that your account was closed due to unsatisfactory handling. This information may remain on file for up to five years, even if debt is fully paid in the future since chexsystem, inc, is an account verification service used by most financial institution, this report may prevent you from establishing an account at another financial institution.

Refer your account to a collection agency to pursue collection, any balance owed may be subject to a collection fee and/or interest charge. I do not know what to do anymore.

I called to ask if I could change my pay week and they said yes, but wanted to charge me $150.00. And then, because I paid bi-weekly, eventually the dates would fall back to before, which was no big deal for me, because my pay weeks at work would follow along too. I didn't pay them $150.00 and I tried to keep current but it wasn't doable.

So they started to try and take the money out of my account every other day until they got their money and they would charge me $25 more each time and the bank would charge me too. Finally, I was paying them an additional $150 a month in overdraft! I closed my account! I started paying them monthly until times got bad and I fell behind. I went to try and work with a community development center to avoid foreclosure. They worked with Wachovia, came up with a work out plan and then everything fell through.

I have been going back and forth with these people for almost a year now. I have never talked to the same person once and everyone I talked to told me different information. I was running around trying to get things they needed like a fool! They never had their notes straight, and someone even told me that the department I was trying to reach didn't exist although I had just talked to someone in that department two days ago!

Some of the representatives were great, and some were extremely rude! I even had one laugh at me when I asked to speak to his supervisor. Needless to say, after 11 months of back and forth with them, they call me today to tell me that my "Home Affordable Loan" has been accepted, and now my payment will be more than I pay now. How does that work?

Our banker was very nice and helped look through our statements to find all of the payments we made to BOA home loans in the last year. We made copies of everything and came home to call BOA. When we called BOA, they were so very rude and kept telling me to "shut up" and let her explain it or she was going to hang up on me. I tried over and over to just listen but the lies coming from her mouth were hard to ignore. They insist we are in some sort of mortgage modification program. I asked them to fax us the documents we signed approving this and I was told they don't have any. I then asked for a transcript of the conversation we had about this. Again, they had none.

Of course, because we knew nothing about this at all ever. I asked why we were put into this program and what has happened to the money we have sent them every month and she told me it was put into a special fund when you are in the modification process and nothing is applied to your loan. So again I asked, "Where is my money?" She never gave me a direct answer. After a very long conversation, she rudely said, "Fine, you don't want to be in this program, you can pay all your late fees and have your home taken from you. I don't care."

I'm finding an attorney. I can't believe this is actually happening. I have solid proof that I have paid them on time each month. I'm confused on whether or not to send them next month's payment. What are they doing with my money? Has anyone else had this happen? Our credit it literally ruined because of this. Now that I think of it, it was a few months ago I got a letter from Chase telling me they were closing my credit card because of the risk. I didn't really get it. I just thought we had too much open credit and it was a card we had not used in probably five years or longer so I just ignored it and threw it away.

While looking at my credit report today, I see many others have followed suit. Is this fixable? What type of attorney do I even look for? I can't imagine how I am going to afford to fight such a big corporation. What do you do if you can't afford an attorney to fight them? I feel like we are so stuck and I am just at a loss. We can't even finance our own vehicles right now. How are we going to get to work with no cars? I am insanely freaked out.

deposit was made before 11am.

I don't know what it feels like to be mugged or raped, but this must be the closest thing to it. Those overdraft charges put me in a very hard position, and I feel like Bank of America and many other banks are operating with the morality of "loan sharks." I'm extremely disgusted with your practices.

Is it legal to take money out of an account when no check has been presented? Is it legal for the bank to keep the interest earned on the money while being held in the holding account? I have incurred 9 nsf charges at $35 each due to this practice. The bank is taking my money out before my landlord has deposited the check. What can I do other than switch banks?! Bank of America has just gotten away with so much of my money that I am really sick when I think about it.

I closed the account and reopened another alone. I have asked repeatedly for a printout of the said account to find out why someone would do this. I have been in 4 times to see John B (Assistant Manager), inquiring into getting those printouts or instigated who did this. I have written 3 letters to customer service, to no avail.This process has been going on since January. It is most embarrassing to be told you cannot have your money. I felt that they are not taking any notice of me. I would like to know the reason why there was a notation on my account.

A few years passed, Brandon left for college in Columbia, South Carolina. He went to Wachovia to open an account and was told he could use the old account that was, so I thought, closed. He was issued a card to the account and began to use it and picked up his old habit of overdrawing again. To no avail, money disappeared from my personal account again and insufficient fund notices were coming daily, it seemed.

I visited several banks speaking to all who would listen and brought the account to zero balance on several occasions, while at the same time asking Brandon to stop using the account. He had pending transactions which forced me to constantly take money to the bank.

Finally, I threatened him to discontinue use and send me the card. At the Lauderhill branch, a teller finally listened to me after at least two weeks of daily visitations to multiple branches and closed the account. In 2007, I applied for another account with a company and was denied because of the Wachovia charge of over $900 which was posted on my credit.

Not only that now the debit card purchases I had for $5, $4, and $2.82 were now bounced. The bank used to state that they only backed out smaller debit charges and took larger payments because the larger were probably mortgage payments. Well, I have also had charges of $120 and less backed out. Never have I seen anyone today with a mortgage today for those amounts unless they lived in a shed or a dog house. I have complained until I am blue in the face. They have gotten so ignorant now that they just say we can "offer" you x amount of dollars out of the money that they know they stole from powerless victims. I can't leave because I have to give Social Sec 30 days notice to change banks and it must be after the check deposit date.

The dept. took our information, told us we needed to close our current account and they would let us know the status of our claim within 2 days. It took about 3 hrs. in the branch to report our claims and open a new account. Later that same day I received a phone call from Crystal *** in the fraud dept. informing me that none of the money will be returned because the first check was cashed more than 60 days and the current check that was cashed on March 16th was from the same company. If the check that was cashed on March 16th was from a different company they would have considered our claim. I was not on the account on November 16, 2009 and reported the bogus check to BOA as soon as I became aware. BOA has treated my father and I as if we are crooks. My father is 77 years old and on a fixed income and in addition to paying $900 for the bogus checks, the amount of overdraft fees he has paid add up to $210.

Wachovia has put us off for many months before they would even discuss modifying our home loan. We have kept records of our calls, and folders 5 full of documents and notes, of our staying in contact with them. They have lied, mislead us, given us false and wrong information and flat out told us more than once they have been deceptive. They claim to always lose our papers, faxes etc. many, many times. They continue to have our modification cancelled because they say we did not many times provide the information/documents which we have proof we did, certified mail and faxes confirming they received over and over. But they never say this over the phone or tell us they need anything else they send out another letter to say, "Sorry, you've expired you didn't provide us with what we needed again."

We were told not to pay our mortgage payments, so we would qualify but later told they were going to foreclose due to non payments, but we were told this so we would qualify for the modification program. Again, we are trying our 5th time to provide everything they need but they always have an additional excuse or lie of something we did not do, which is untrue. We call in at least once a week even though they say we don't need too. We know they just want to take our home. Its value is way down from what we mortgaged but they want it, we can tell. They are very very difficult to work with. I have cried many many nights just trying to provide them with more and more and more, it's never enough. Then they also say they send us letters or call us. Well, the only letters we received are when they say we didn't provide them with something and they are cancelling us for non-compliance of providing them with documentation in a certain time frame.

We have received one phone call on the modification only because we gave them a phone number no one can miss calls, so they wouldn't have an excuse to say they couldn't reach us like they continually do. They continually say they did not receive faxes 20 to 24 pages even though I fax them over and over and I have confirmation pages. It's always something and no one ever knows what the HARP programs is or is about. Very uninformed staff who don't have a clue what they are doing. Very, very hurtful as a tax payer that at a time when we are barely above losing everything like so many unfortunate others that as we play by the rules and go out of our way to provide everything requested, we are treated so very very poorly. We bailed the banks out of their mess and this is how we are paid back, it just doesn't seem right. It's not as if we are asking for a handout or charity we did not ask for the economy to go downhill, my husband and I have been hard workers throughout our lives and this is the way we are treated at a time when everyone is just trying to survive and help each other to get by. Thank you for your time and consideration.

Now this branch and the online service have told me they have been "delayed purchases that have not processed through my account and when they go through, that's when I would get the money deducted out of my account. This in general defeats the very meaning of a debit card. I don't think this is right and this "delayed purchase" is just another reason to charge us, hard working Americans. I was charged a disgusting amount of $350 of overdraft fees.

What a crock! They do it so they can get money from me. Yesterday, I deposited another unemployment check for $600. They "held" $500 but since I had only $489 in there, the hold on my $500 makes me overdrawn! I am now -$24.34 in my account. How in the world can that be right? Now, I am sure they are going to charge me another overdraft fee. I write to them and they say they don't see where I was charged a NSF fee!! I wrote back, gave them the dates and haven't heard anything back yet. I believe they are moving the money around in the account to make it look like something didn't clear so they can make money off it.

He had complained right away about a severe headache, dizziness and tasting a burnt "flavor" in his mouth, as well as, smelling a burnt sort of smell in his nose, nausea and blurred vision. He was taken to the ER by his father and they ran all sorts of tests, gave IV fluids, documented the incident and sent him home., referring us to see his medical doctor within 24-48 hours. Since that date (March 2009), my son has suffered from migraines, sleep problems and some memory issues.

His education felt a huge impact with having missed a number of days of school and arriving tardy because of bad sleep or migraines the night before. He is just barely getting by in his studies and regrettably the teachers are not compassionate to the situation at all. When contacting the branch manager for the location advising him of the incident, I was grilled as though I was attacking him personally, called all sorts of names and promptly hung up on.

Last month I called the BOA and asked if they had cameras on the front of the building, because I needed to see tapes for an incident that recently happened, without telling them who I was. The asst. mgr., told me that there are no cameras that face the front, only cameras that observe the ATM and the drive up. This is contrary to what the lawyers for BOA say in their correspondence to my lawyer, saying they have everything on tape and that I am being untruthful.

Keep in mind, within 48 hours of the incident, I took pictures of a contractor digging up the lawn and burying wires etc. along the walkway where the whole thing happened. Needless to say, a suit has been filed and an outcome will be a long time coming, as they will do whatever they can to avoid liability. BOA refuses to accept responsibility for the hazard they created. A healthy vital teenaged boy's life has changed forever and they don't care.

Keep this in mind, all that money and tax payers sacrifices done in the billion dollar bail out bill, and the next time you pay a fee for moving any money or paperwork at Bank of America. BOA being one of the biggest recipients of the billions. Greed drives this banking institution. Medical bills, loss education, dramatic change in lifestyle and altered future plans.

When pressed for an explanation, a Bank of America customer service representative gave me at least two different responses, including (1) "Debit cards can be tricky; sometimes they will authorize charges less than $100 even if the funds for such transactions are not available" ; and (2) I authorized the transaction by authorizing the merchant to charge my card. When I inquired if the authorization referred to in the first explanation was due to some back-end protective measure employed by some banking institutions. I was reassured that no such protective measure is present on any of my accounts.

In regard to the second explanation: yes, when I provide my debit card to merchants, I authorized them to charge my card, but Bank of America is responsible for determining if a transaction can be authorized and paid based on how much money is in my account. Furthermore, financial analysts and experts have recently extolled the one significant benefit of debit cards versus other payment methods: debit cards do not allow an individual to spend what he or she does not have, thereby avoiding potentially unmanageable credit card debt and/or exorbitant bank fees. While I have more than enough funds in my other accounts with Bank of America to cover the transaction in question, I am simply appalled that this has even happened. I reminded the representative that Bank of America is one of the institutions that received billions of dollars in tax-payer money to prevent its financial collapse, yet this is how its customers are being repaid. Quite frankly, Bank of America should be ashamed.

Well, that turned into several months. I applied to this program and was told that I didn't qualify because of the type of loan I had, but if I call back in a few months yet another program would be available I could qualify for. So I wait several more months. When I finally talked to someone about this program, they tell me that I don’t qualify because I have a PMI! Meanwhile, my payment jumps up again. Over the years my payment was increased from $986 to $1127 per month.

I feel that BOA is a rip off and they have no business in the mortgage business. I have talked to over 20 different "agents" and have probably 12 different telephone numbers and they never know what anything about my issues--either I am calling one department and they have to transfer me to another, etc. Then they won't let you talk to someone in the branches. I can almost understand why given the poor service received. Now, I am experiencing a hardship on the above referenced loan due to a job loss. The mortgage was difficulty to manage even before I was laid off and I have asked on a number of occasions for assistance.

I am in the loan mod program and have a trial payment while they review my information to determine if it can be permanent. I ask, "How long will this take?” They tell me anywhere from 4 months to a year. Up to a year? Yeah, right... I've lost $500. I feel I've been lied to by the "specialists," given the runaround by them and stressed out by the lack of professionalism and training BOA provides their employees. I’ve heard from a couple BOA employees mortgage that they left the company due to some of BOA practices. Don't know if that's true, but I certainly believe it.

I am receiving social security every month. This is the only income that I have to live on for the entire month, and I cannot afford to pay excessive bank fees. Wachovia has threatened to take over $200.00 in overdraft fees from my checking account, because they claimed that money was not available on the day that I made the purchases. I made the purchases on the same day that I received the check, so I know the money was in the bank.

I spoke with Tonya ** at the Wachovia office located in Charlotte, North Carolina, zip code 28262. I explained to her that I am living on a fixed income and can't afford the expensive overdrafts fees that Wachovia is attaching to my checking account. I have had this problem with Wachovia before where they will continue to pay for purchases even if the money is not in the account. I have asked them not to pay for purchases if there is no money in the account to avoid overdraft fees. They are claiming that I overdrafted in the amount of $200 when I have receipts that the money was in the account and set aside to pay bills.

On February 3, 2010, I withdrew $500.00 from Wachovia and left $141.00 for bill payments. One week later, on February 10, 2010, Wachovia claimed that the account went into overdraft in the amount of $200.00. If this was true, what happened to the $41.00 remaining in the account, because there would still be a balance of $41.00 to cover any overdrafts?

When I spoke with a representative, I was told the funds were on hold for three days and this caused the overdraft. I asked her to go over each purchase with me to explain that when added together, they did not cause the account to go into overdraft. She would not go over the purchases with me and told me she would send me a list. I have receipts of every item that I purchased, and the account could not have gone into overdraft.

I would not let this account go into overdraft, because I cannot afford the $35.00 fees. Something is very wrong, and I am afraid that Wachovia will take $141.00 from my checking account for no reason. Please help me, because this money is all that I have to live on every month. I cannot afford to give Wachovia $141.00 of my social security check to Wachovia. I want one half of the $141.00 Wachovia stole from my checking account and for them to stop holding on to money in my checking account that I use to pay my bills. Thank you.

When I asked that they honor their guarantee of paying late fees if the payment was not received as promised, they refused saying I chose a date that was actually not a due date but a grace period date. I should be paying my bills earlier, etc. like it is any of their business. They did not deliver as promised and now refuse the late fee because I should have paid it on time and not during a grace period. I have banked there for 23 years but this is the last negative experience I plan to have. They are arrogant, cocky and unethical. Another episode is they changed the monthly savings account statement cycle to 36 days and then tried to charge me $9 because I had 7 transactions rather then the 6 they allow. 36 days! It is very unethical but at least they reversed that error.

My initial disbursement took 3 weeks and many telephone calls with a different story given to me by each representative I spoke with. That Disbursement was roughly $7,800.00 and the check was payable to myself as well as 3 other parties, causing me to then have to have the check endorsed by my equity line lender in 2nd position (located in Ohio) the public advocate firm I hired to represent me with the insurance settlement and my fiancee.

Shortly thereafter, the majority of the work was completed. I reached out to Bank of America requesting an inspection and another disbursement. On March 8th, an inspector (hired by Bank of America) came out to my home and confirmed in a written report to Bank of America, which they acknowledge receiving, that 99% of the work was complete. It has been almost 2 weeks since I made the request for a disbursement to pay the contractor.

Bank of America has advised me that they have disbursed via US Mail $35,000.00, on March 11th. After calling their insurance department, I am again being told a different story about the check from each representative I speak with. Simply, I need this money to remit payment in full to the contractor. For some reason, the BofA is restricting me from the use of my money and will not release it to me. I have about a 50% equity interest in my home and while I appreciate the banks policies, I have respected their rules.

Bank of America is not respecting my obligations. Bank of America has become a hindrance in the process and they are placing me in a position with the Contractor and the Sub Contractors of placing a Mechanic's Lien on my home if payment is not made to them. I cannot seem to get assistance or the truth from anyone within the Property Claims Division at Bank of America. I need someone to advocate on my behalf as a consumer.

Bank of America robbed me in my face and did not even use a gun. I want my money back. How dare they switch banking as we have known it for centuries around for their selfish greedy thievery. That is exactly what it is- Thievery and they should be held responsible. The parties who concocted this thievery go to jail as any common thief, have all their assets taken away from them, live on parole with no money or job when they get out and see how it feels to be poor and have your food money stolen by the bank you trusted to keep your money safe. Also most definitely BOA must return all the stolen money back to the people that they stole it from. They are nothing but thugs and thieves and should go out of business paying for their unforgivable crimes.

I am 53 years old with an extreme heart condition and because of Bank of America could not afford utilities and food. My life was already sad enough. Try explaining to God why you stole the poor peoples pittance for your greed. I used to dream about a glass of cool-aid. I could not even dream of eating food by the end of the month- just a drink of cool-aid or a Dr. Pepper. I consulted SSI and was enrolled in their direct deposit mastercard which cannot go over its limit. I had begged bank of thieves to not let my ATM go over its limit. They told me it was impossible to stop it when the money was gone because of electronic banking. Malarkey! If I tried to withdraw $20 out an ATM machine, it sure stopped me! Banks are crooks! Hold them accountable for their thievery and robbery or the public will be up in arms and take care of it for us!

I explained to them that as soon as one transaction posts, another comes in and once again, I am unable to close my account because of the new pending transaction. I asked them to stop all transactions from coming in but they refuse to do so because as long as my account isn't a zero balance, they can not freeze my account. So, they claim they cant' stop anything from coming in to my account. Meanwhile, I am being hit with unauthorized transactions plus overdraft fees that I can not cover because as soon as I cover one transaction, another ones come through. All I want is to close my account or change my account number but they claim they can't do that until there are no pending items on my account, but there are pending items almost everyday and I am unable to close my account once again. I am the customer and if I want any transaction to be rejected, I should have the right. After all, it is my hard-earned money that they are taking. I just want the bank to be more helpful instead of having to file a claim after claim.

They consistently call me at my place of employment and the most disturbing act was just received yesterday, March 11, 2010. My employer received a bill addressed to them for my loan. My loan is a personal loan and there is no co-signer. The bill did not say c/o Kevin so it was opened by accounts receivable and needless to say, very inappropriate and unprofessional. The loan amount due the 28th of every month is $424.33. I have not had a very strong payment history with on time payments but have always made payment and paid all late fees.

Currently, I owe a past due amount of approximately $250 with the current month's bill amount of $424.33 due on the 28th of March. I have tried to contact the company along with my wife to set up a full amount payment of both past due and current due for the 25th of March and as customer services says that is okay and they will note the account. I am always then transferred to the billing department and they refuse that payment saying I owe it now and harshly threaten and harass.

I called them up and filed a claim and they reversed three out of the four overdraft fees. That same day, I went and deposited $800 in my account. The next day, I see that there are four more overdraft fees there even though I have a positive balance. Their explanation is that some transactions didn't post to my account earlier and that is why those overdraft fees are there. So in total, there are five overdraft fees related to my account even though I have a positive balance.

My complaint is that why weren't those transactions that caused my overdraft shown in the pending section of my account before? And how am I supposed to know that there is a negative balance if it doesn't show on my online account? They have all kinds of explanations for the overdrafts. But I have been cheated off a lot of money for what I believe is their fault. If I have overdrawn firstly, my card should not have been approved for further transactions. Secondly, if there were any pending transactions, they should have shown in my pending section of my account. Because of this, I have been charged over $170 in overdraft fees for something that was not my fault.

Why do they have the online account feature if it is not accurate? They should at least warn the customer beforehand that the online account is not accurate. I was not made aware of any such mishaps. I don't know what to do now. I'm broke and no money to eat.

He tried a couple of times to make the deposit, but he couldn't get into my account because it was an out of state deposit. So he calls the manager over to authorize his transaction. He finished the transaction, which I even confirmed with him the second time before he gave me the receipt. When he handed me the receipt, I didn't remember checking the amount on it. I just remembered looking at it real quick and put the receipt in my wallet. When I returned to Seattle the next day, I logged on to my online banking account and it showed that I made the deposit in the amount of only 700.00 dollars. I got really scared and started looking for the receipt that when I had realized the amount on the receipt was 700.00 dollars.

In tears, I ran to the Bank of America in South Center Mall asking for help. Rachelle helped me contact the bank manager over in San Jose. They told Rachelle that they remember exactly who I am and that the teller said I only made 700.00 deposit. To me that is impossible to remember a client after a couple of days. Rachelle and I requested a review of the video, after 3 weeks of waiting. Today I received a phone call saying that it doesn't look like I made a deposit of 2700.00 dollar. I asked her how come you didn't look at the angle of the screen where the amount was shown when the machine counted it. She said they didn't have that angle.

I asked her, "You said you saw me counting the money. Why didn't you zoom in and look at my hand movement when I was counting the money. 2700.00 is a big difference from counting 700.00". She couldn't answer that question. Now I'm currently waiting for them to transfer the video over so Rachelle can review it. I really need your help. 2000.00 dollars is a lot of money to me. I only make a thousand a month, i cantnot afford to lose that money. I have no one else to turn to.

They mentioned a MRC program had helped miss up things; we never heard of it and do not know what they are talking about, just that it sounds like it messed up maybe up to 150 people's payments together. As of the last 5 days, they will not respond at all. They will not answer emails or return calls. I have dealt with over 27 people with this issue, still no help. The only helpful person was Bob in collections who gave me Jose number . Our credit is ruined and they are trying to foreclose on 2 homes that we have made the payments on. Please help! Thank you.

At that point, I started to make inquiries and my former accountants stated that they never received the original check, hence, never paid the original penalty. I then approached Wachovia for proof that the check had been cashed, as the amount had never been refunded to me. Despite several demands, all Wachovia would say was that they were using a different bill pay vendor in 2005 and could not produce a copy of the check. I then approached them to request that, at the very least, they refund the original debit to me. This request has been totally ignored to date. I feel treated very unfairly and I am determined not to give up!

After years of pursuing the matter, I am still out of the original $4,296.49 and a further $5,534.88 which I had to pay in 2008 to settle the outstanding penalty plus charges etc. It's hard to quantify the anger, frustration, disappointment that I felt and endured these past years over this issue. I am sure that, at times, this has affected my physical health and well being too and has wasted a lot of my time which should have been better spent.

It only took them 12 hours to freeze my account. When they received the legal documents that the freeze was reversed from the attorney that requested the freeze, all I got was it will take 48 - 72 hours! Funny, how quickly they froze the account but not willing to react as quickly to reverse the account. On top of that, I have received three phones calls a day to pay for the fees since it showed my account was in the negative, even though I kept telling them this was going to be reversed. I continued to get calls to pay for the fees. At one point, I was told, "Well, I will note that you refuse to pay for these fees."

Our realtor, Sue S, was working with us and trying to work with Wachovia to get an offer on the house. We had two offers that were submitted. They never negotiated with us on the first offer and in fact when the realtor called to follow up with them, they always had an answer as to why they could not respond. Something was always missing from the paperwork that was turned in to them or Sue did not have permission to negotiate. This was established immediately with her. So the second offer came across two days ago and this was also faxed to them. Our date of foreclosure was March 3, 2010. They never planned to negotiate with us and went ahead and bought out the property from under us and those who wanted to buy it.

This has been a grueling process. We filed and settled in September of '08. I think it was and ever since then, we have had nothing but trouble since. Even our attorney was a ***. I'm so fed up with bureaucracy crap and the big guy taking advantage of the little guy. What about us? We get no help or guidance even our Chapter 7 I had to do and guess some of it, we were lied to and not told stuff we should have been told. I thought once you file on your house that there is no more negotiating and then when we did try because we thought it was the proper thing to do to save something about our credit, we get screwed as always.

When I look at the calculation, there are no other parties involved that is due a refund. The calculation is as follows: According to their letter sent to me, I was supposed to receive this surplus. However, they are refusing to return this money to me.

I am trying to contact the mortgage division to see about reducing that amount. On top of all of that, I had used their automatic payment deduction and have had not one, two, three but four times payments taken out, leaving me with a negative balance in my checking account. Even after writing to them, email of which I have always have up to this past year and gotten a response within 48 hours; this time, there was no response. I have taken my mortgage off of the automatic payment but the other accounts are still there. There have been months in which I have had $50.00 to last through the month and I haven't even gotten groceries. I make certain that house, insurances, utilities are paid first and have always made certain that accounts have been paid but now, it is a struggle to get other accounts paid.

I will not do bankruptcy and that is just not an option. I need some other options particularly if the three accounts can be reduced. I can manage with the others. I also have student loans from graduate school that I am completing this May, plus, one from 30 years ago that I paid off the earlier ones from that time. I am using a car title place because at the middle of the month, I have little or nothing and still have bills to pay. That is not something I wish to do either! My car has been paid off for years! Also, I have emergency room bill, that thank goodness is not over a thousand but still at over $400. I have to make payments of $60 to keep from going into any collections!

I have contacted an attorney this morning and as stated earlier, I simply will not lose my home!

After she passed away, I got them all but always a problem with them coming up short as their balances was not the same as mine but continued to use them. But when checking out the statements that were mailed to me, they were perfect but always were short from and 2.00 to $5.00 per month short or more or give or take. Then after closing out the accounts, 3 of them and closing out the CDs, we had 1 account with them and it even came up short on money after confronting them and asking why? There were short every month. I was informed that it would cost me per hour to audit my account being cheap as I am. I said no way but was informed they did not make mistakes it had to be me. So we started keeping tally of the amounts shorted monthly as it came up to a lot of money over a year.

So my wife and myself had built up a nice surplus of money as we wrote a check for an amount to get dog food and guess what, we could not get that amount of money from our account. We had to put back into the account X # of dollars to keep them from an over draft fee. At this time, we decided to change banks as I had a personal account with another bank and it checked out dollar for dollar every month for about a year and a half. So we changed to another bank and for the last few months, it came out perfect dollar for dollar.

As we made arrangements with this bank for direct deposit of our checks, then this month without notice they started charging a service fee for a free account as their website so states but in the small print just added there is a fee when no deposits are made by direct deposit. Now I am being charged for this open account not being used as it has been only one month no activity. Now I owe them about $9.00 service fee but was told by Social Security to keep this account open for any errors so they could make sure it was deposited in my new account. As this is the facts I owe them after years of them taking my money from me and my wife. So guess what, it will be closed as of today 03/02/2010 and I will never recommend BOA to anybody. I am through with them and won't go back after them after getting taken for 100s of dollars over the last 10+ years.

She got upset and started being very arrogant. I asked to speak to her manager who did not even listen to what I have to say and just told me he is not there to talk about her way to address me but since my name is not on the account he can't waive anything for me. Well, 2 days later, with 25 days late, they repossessed the car. The only reason she did that was to prove me that her job gave her power and she doesn't have to be nice, arrogant should do it.

Ten business days passed and a debt collector kept calling multiple times each day. I am a resident physician working crazy hours and can't be distracted by these harassing calls. I talked to multiple people and explained the situation. They all had no idea that I had ever spoken to anyone before. I emailed Wachovia to ask about the results of their investigation and was never given any answer, except that I needed to call. I explained that I was busy with patients and would prefer email correspondence anyway to have a record of what was being said since the first email promises were already not true.

Not only did I never get a response to this request, but Wachovia completely blocked my online access to my account. I asked in the original email for a payment plan if they were not going to reverse the unfair charges because I'm on a resident salary and cannot afford it. That request was never addressed. Now my account is in collection. This is absurd. I've been in constant communication with Wachovia, but they refuse to provide any information or payment plan.