Bank of America Reviews

They said they will remove the unauthorized subscription to the Online Business Suite Account Management Services and credit my account for the $15. They said I will not be charged for it in the future. The next month (May) rolled around and it happened again! Same thing, spent an hour plus sending emails and calling just to get them to remove this charge and service from my account.

June came, same thing again, this time, I demanded through emails that they get this problem in front of a manager because I didn't want to have this happen every month. I sent about 8 emails total, each time they sent a form letter back and each time I asked if they even read the emails. Every reply keep saying they credited me for the $15 charge and that we were removed from that service. I told them each time that this keeps happening and I don't want to keep going through this - that this was the third month in a row and it keeps happening. I asked them to please explain how they will make sure this does not happen again and to get this email to a manager. It was to deaf ears! It happened again this month of July!

I am so fed up with this and Bank of America could not care less! It seems like a scam! Automatically enrolling someone over and over again as if they hope unaware victims will let it slide so Bank of America can make some extra money! I know first hand, and my friends do too, how Bank of America is so greedy. BOA orders the largest to the smallest charges on an account when an overdraft happens within the same day so BOA unfairly makes a lot more money on fees.

My friend was only around $10 short one day, but since BOA unfairly stacks the cards against their customers, he was charged $175 for 5 overdrafts! If they ordered it from the smallest charge to the largest, only the largest charge would have been over-drafted and he would only have had one single $35 fee! I won't even get started to BOA's "keep the change" scam-like program.

It's the greed of large financial corporations that has gotten this world into this huge financial crisis. When are they going to learn that it's unhealthy to treat their customers the way they do? Only when large corporations don't have the power of a monopoly and we have more choices! The customers and citizens lose while the CEOs win! Too big to fail? No, too big fails!

So, finally, I saw the chat online button to a customer service representative, and I tried that. Well, "William", was kind, quick and precise without me having to go into a long story or get upset. He refunded my account $70.00, which was refunding me 2 of the 3 fees I was charged. Even today, after I had responded to the rude email, the girl said "no" and so forth, still not answering my question as to why BOA sent me that change of fees letter. Even the online rep who was so helpful said the fee is $35.00. Oh well, I’m not going to fuss about it. I don't overdraw on my account, but it is the principle of the thing. Proper info, the letter said fees are being reduced to $30.00 instead. Thank goodness for reps like William.

I went to the branch to try to figure this out and even though two different people went through all charges and checked the math, ending with the same amount I had, they want to refer me to a "reconciling agent" who charges $20 an hour to do exactly what they just did. And this will all be on my expense. Three people went through my charges/deposits and came up with the same result and they still want me to pay $20 of my hard earned money to have a third party do the same? I don't think so.

This bank has terrible customer service policies and, in this day and age of economic crisis, should own up to their mistakes and make amends. I pay all my bills through this account and if nothing is done, I will take my money out of that bank so fast it'll make their heads spin. I spoke to the branch manager (who was one of the people who reviewed my book, coming up with the same results as mine) and told her that I refused to pay $20 to have someone else review my checkbook. Those are my finances and I will not allow some third party to look over them.

He mentioned that "because my credit report looks satisfactory, he has decided to close one account". I asked him 3 times, if he was sure what he was talking and he repeated the same thing. Upon my reasoning, he started asking me about my employment and salary, which I did provide him. However, he still decides to close my account. He closed both the accounts rather than one account.

He seemed sleepy on the Monday morning or maybe drunk/high, not helpful at all and the worst customer service representative ever. I would like to know, after many years of good relationship with your bank, on what basis did you decide on to pull my credit report and ask me about my employment on an existing account. I am upset that after so many years of valued relationship with a bank, I just lost all of it in one shot. However, I am more than happy that your bank lost a very valuable customer.

I would like an explanation on why I was treated like this after providing all the information that was asked. Another explanation on why would you ask employment info on an existing open and good standing account? Lastly, an apology letter from Kayode or OluKayode. I lost years of good credit standing with a bank with whom I thought I will apply for a home and business loan. To establish this kind of relationship, it will take me years.

We have had an extremely tough time with our payments as our mortgage balance keeps going up instead of down. I need to get this rectified as soon as possible.

Contributing this problem was how late the fees would post to the account in relation to the offending transactions. They charged me $35 for 14 transactions totaling $490 in fees for purchases totaling $40.83. Bank of America refunded $340 because they said that I hadn't overdrafted in 12 months and because they made a customer service error which added to the problem. Because they viewed this issue as several different occurrences rather than one big related occurrence, they refused to refund the rest of the money which I paid totaling $150.

I currently make less than $200 per month because of employment issues and school demands. I receive school loans to cover living and school costs. As a result, other financial obligations have gone into default, and I have to use family and friend assistance to get by.

I contacted the number provided, 800-945-7745, and was advised that they would be able to help because they are Wachovia employees. When I contacted the number, the rep transferred me to directly to R. ** who advised that it didn't matter how much I complained and who I complained to, they couldn't do anything. He advised me that they are not Wachovia employees and they cannot help me and that my intentions were not going to help the situation. I paid the amount totaling $60.81 because I work at a bank and it could cost me my job. This is cruel. From my eyes, they are charging me fees because I lent them $1.12. Is this not wrong? They ripped me off because I let them borrow $1.

I believe it was just to cover a simple mistake. However, it did happen on the big bank meltdown date of 9/22/2008, and this did give Wells Fargo a motive to lower the amount of my CD since interest rates fell by over 2% in just a couple of weeks. This could have been a business model to lower high interest rate fees of Wells Fargo after purchase of Wachovia. Many people will not know until end of year because that is when the CD's mature. They might show up with CD's of less value than stated. Thanks, after hours and hours on phone and person, I have been refunded the amount I lost due to interest rate switch. Money wise I am OK.

The lady said, if we did sub-accounts of my account "there would be no fees or monthly charges even without any minimum balance". I learned this month when my son's account dipped below $30 that it came to my attention. They had been deducting monthly fees from his account all along. I did not look for them as I was told no fees would be deducted. Our bank statement is on average 18 pages front and back.

They basically "deducted away through fees" my child's account after telling us "there would be no fees". When I called them, they said they would refund 3 months but would extend to 6 months "as a courtesy". That leaves about $200. They did not refund and refused to refund saying "I should have noticed it and called them sooner". Wachovia steals from children! That's my conclusion and it's despicable.

When I confronted Jessica, she charged toward me wagging her finger telling me I have to leave the center now. I felt threatened by this girl charging after me. When asked again if she and Nanquita were laughing, she made an excuse and I countered with us saying that because you got busted being unprofessional and disrespectful to me. Jessica, the acting manager, was wearing a tee-shirt with a religious mantra on the front. That is totally unprofessional attire. Jessica proceeded when I called her a hypocrite to threaten me over and over with calling security. Then finally, that wasn't enough and told me she was going to file charges against me because when she continued to point that finger at me. I told her don't point at me and started pointing back.

How does a customer get abused and threatened because those ghetto women can't take complaints? That is their job! I felt accosted and was berated by an acting manager. I am terrified to go to my bank. I have never been so appalled in my life. For the record, I was yelling but only, and I mean only, after Nanquita and Jessica treated me as if I were a joke. This was a terrifying and frightful experience. Was it racist not to wait on my husband who is white and these girls are black? I went in and they never asked my account or ID. I am a black female.

I told them that I would be cancelling my account as soon as I can get my direct deposit that I had just set up changed over to a different bank. I also told them I would tell everyone I know and tell the public in every way possible not to use their bank and if they are, to cancel. The associate I spoke to refused to let me speak to a supervisor. They said that it’s in the huge booklet they sent me, which states there that they could hold anyone's money at their discretion. Don't ever use this bank. They are heartless, money grabbing, useless people that waste the oxygen that God gave them. I had to bum money to buy food for my family.

I also returned something to one of the stores that evening. They didn't credit me that money as fast as they took my money. I still haven't gotten that credit two days later, which amounts to much more money than the two charges I made that night. It makes no sense that I am penalized for a charge that hasn't even hit my bank, it's only on hold. It is outrageous how the banks are treating their customers.

Additionally, there is no provision for notifying the customer that a check is being refused and that funds to cover it could be deposited (say, in cash) in order to avoid the refusal (and/or processing of overdraft fee) if received that day. Some banks have offered this as a service to long-term customers. Finally, there's no way to create even a tiny line of credit, say even $50-100, to cover such situations. One can avoid all this only if one is able to leave such an amount sitting in a secondary account to be used in case of such a drop below the line.

My accounts were going great until, I went to California to visit and forgot my PIN for my debit card. I decided to just go into a branch and get a new one. The representative told me since my account was opened in Nevada, she was not able to assist me in recovering my PIN and I need to contact the Nevada customer service line for further assistance (due to the fact that California's BofA runs off a system that is different than all the other BofA's?). So, I called NV customer service, the representative was very understanding and sent a copy of my PIN to me, she later informed me that to avoid the hassle and inconvenience for future situations due to the system. I should simply go online while in California and open a checking account, transfer my money over to the new account, that way, the California reps can better assist me.

I thought about it for awhile, I really didn’t need another checking. Is it my fault their systems are different? Anyway, I was so frustrated with the ordeal I went ahead and opened another account online while in California, hoping that it would make things easier since I do travel back and forth from California to Nevada and all my money is invested in my savings account with BofA.

This time around, while opening the account, it did not give me an instant same day approval but instead it instructed me to check my e-mail for further instructions. So, I figured since this is a second checking, the bank probably wants to re-verify everything. I was wrong! The next day, I went to sign on to my online banking and I was denied. So, I called the NV customer service again. They informed me that all my accounts are pending closure and I need to contact the Recovering/Risk Dept. At this point, I was upset and was trying to figure out why this is happening?

I spoke with a rep, Thomas from Recovery, who was very rude and basically told me before hanging up on me that I was reported to ChexSystems by another bank and all my accounts are pending closure?! I was shocked to hear this news, because this is the only account I opened! I called back and another rep told me to get a hold of ChexSystems and that is all she can tell me in regards to my account. So, what about the large sum of money I have in my savings and checking? How do I get my money? No answer from her, she was quick to get off the phone with me too!

So, I get a hold of my ChexSystems report and it states that I was reported in January of 09 (which I'm in the process of disputing as well). If that is so, then why did I get approved in February for not one, but two new accounts?! At this point, I'm furious and Head into a branch for further assistance. The rep informed me that on May 18th, 2009 (two days after I tried opening the second checking account) the Risk Department put a freeze on my checking account and all my money will be sent back to me as soon as the accounts officially close. I had 14 pending transactions and enough money to cover them before the freeze was placed (I guess they can't officially close the account until all pending transactions hard hit the account). So, I thought fine, I've had enough with this bank and want to take my money elsewhere! The rep told me that my money should be sent back to me in 7-10 business days.

I waited a week and a half and no money! So, I call the Risk Department again and was told that my account was negative in the time of closure so I would not be receiving any money back! I headed back to the branch and had a rep print out a summary of my transactions! This is what the Risk Department did: On May 18, 09, I had a balance of $225.51 in my checking account and $360.00 in my savings account. On May18, 09, I had 10 pending transactions totaling $198.32.and four transfers from my savings to checking, equaling $80.79. I had more than enough to cover my pending transactions ($225.51 - 198.32 = $27.19) plus my transfers from savings.

On May 18, 09, BofA, placed a debit-hold on my checking account, causing all my 14 pending transactions to go overdrawn (even though I had positive funds to cover all my transactions before the freeze was placed). This totaled in 14, $35.00 fee charges equaling $490.00 in charges! Instead of BofA realizing that the account was in a positive status to begin with and to refund or remove the charges, they instead took all my money from my savings account to cover all the fees without my authorization and is refusing to return back my money that is rightfully mine!

I have been on the phone every day since May 18, 09 with the Risk Department and have spoken with over 25 reps who all basically are giving me the run-a-round, instead of admitting they messed up. I have spoken with representatives and managers from the Risk Department, some in which agree with me and say they are putting in an "escalation request" to refund my money and to call back in 48 hours. I have been calling back for the last thirty days and it's the same thing! No one will give me my money or answers! It is now June 25, 09, I am still calling everyday and trying to get help! I need this money for my car and friend’s wedding! I will never deal with Bank of America again!

Due to Bank of America's lack of knowledge, I have no money and am behind in paying my bills and preparing for my future plans. I have been saving for months and BofA robbed me of all my savings! This has put anxiety and stress on my physical and emotional wellness. I have to live, literally, dollar for dollar just to make ends meet. The wedding is in three weeks and I need my money back so I can purchase my flight ticket. It’s not fair what BofA did and I don't understand how they can get away with this!

There are also unauthorized withdrawals from checking: 1) Two equal amounts of $521 (more than a thousand dollars) from a fraudulent purchase at newegg.com and 2) the same thousand dollars that the bank deposited temporarily due to distress. I filed a police report and was reimbursed months later. To add, there are hidden charges for services, which include 1) wire-transfer fee on both my account and the depository for the same wire transfer to equal $24 and 2) overdraft protection fee of $77 for checking tied to savings.

I made many trips to the bank. I closed all accounts. Also, I had to stop wire transfers. Now, I'm left with no banking services.

In the past week, the problem has escalated to the point that there is no response via the customer service phone lines. No one can assist you at a local branch or via the normal BofA customer help because this isn't truly BofA. We are told no one can help and they have taken the money we need to pay for prescriptions. My husband is a heart patient and the cost of the prescriptions can be rather high. So our money for the prescriptions has been deducted from our account and is still missing after 14 days. We had to pay for the prescriptions directly as we couldn't wait any longer to fill them. I was beginning to wonder if I had somehow been a victim of a scam as there is no one at BofA to contact for assistance.

I have asked repeatedly via an online "help ticket" and have received no response. They even had the nerve to write in notes that the problem had been resolved when in fact the problem is still very much a problem. I'm now requesting a phone call back, but alas, there’s no response. I don't know where else to turn. Please help. Thank you.

When I went to transfer the "keep the change" change from my savings to my checking because I was running low in my checking, the savings account had a zero balance due to BofA fees. Why did they get bailout money? Why?

On 2007, I purchased a house, on 2008, I tried to refinance when I discovered a lien on old sold property(?). I called the bank, spoke with 20 individuals, faxed all documents inquiring why this happened. I received a call, if I would pay $7,000 one citing loan they would rewrite and take off the lien. I received no further instructions. I finally contacted Mr.** with a letter, there was no reply, so I hired an attorney.

BOA continued to ask for all the documents to be faxed to them, but it never came back with a resolution or an answer to the ongoing problem. I have never said I do not owe the money. They have permission to take payment every month. Now, the lawyer is getting the same fax.

I took out the last of money my husband had after death, thinking I was paying them as suggested. The calls and having no resolution has been difficult on me as I am already suffering from depression and chronic condition. My husband died after serving 21 years in USMC, 17 years civil service to Uncle Sam, we took our responsibilities seriously, but to be continued to be shrugged off as though I were some bag of garbage, is not right. When/How can I resolve this problem?

In any event, I noticed that error right away, so I requested a teller to transfer the money from my own savings account to our joint saving. I asked her to do so at least 3 times. However, she withdrew the same amount from my checking account and put it in to our saving. Four days later, I received a letter stating that the tax returns check bounced because I deposited the check to my own saving while the check has more than one payees (my husband and I). Then, I checked all my BOA accounts online and noticed the teller's mistake.

I went to one of the local branches and tried to speak with the manager. Well, a customer service whatever guy blocked me from speaking with anyone with any managerial capacity. Instead, he told me that I made that mistake and refused to reimburse any interest whatsoever. Well, since I just graduated from law school, I presented my case and had them agree to reimburse the interest. However, the reimbursement has not taken place yet.

My husband sat down to wait when ** came and looked down at him. She said, "Don't give me attitude." Not sure how to respond to her badgering, my husband called me and asked if I had told ** about the PIN number. I said, "Yes, that's why you had to go down because she said you had to do it yourself." I was on the phone when my husband brought it to her attention, that she was told about the PIN number change. She continued with the bad attitude and said, "Oh well, I guess I just forgot."

Only after my husband requested to speak to her supervisor did he receive any help with his PIN number. The next person to help was a woman named ** who accused my husband of having a bad day even though she didn't witness anything that had previously happened with **. While my husband was leaving the bank, ** looked at him from her desk and yelled out, "Don't look at me! Don't stare at me! What are you looking at?" and proceeded to follow him to the door.

**'s supervisor witnessed her following and taunting my husband and promptly apologized for **'s behavior. My husband finally had enough and asked to speak to the manager to inform him that his customer service rep was acting more like she was in gang territory than a bank. After trying to excuse her behavior away, the bank manager said he would speak to **.

He cited that my total debt was too high and I wasn't a good risk. Just this year I've had to start paying almost $20,000 in student loans, which is the only thing I can think of. We both have stable employment and residence history (8 years for the home and 7 and 2 years for employment, respectively). I pleaded with him not to close the account and lower my limit because I know what that will do to my credit score, but he kept giving me the same excuse over and over. I am mad enough that I will be closing my credit card account even though I know that will affect my score even more negatively. I would welcome the chance to be part of a class action if warranted.

I contacted B of A, and was told that this was a new penalty that they added on June 5th. She said that all accounts that are overdrawn for five days, receive an additional penalty of $35.00. I told her that I just received a postcard notifying me that my account was over-drawn, and asked how they can charge me before they even notify me that I’m over-drawn initially. She said that they tacked on a note about this new penalty in the email we receive, that alerts us that our online statement is available. She never answered my question.

How can they charge someone a second penalty when they haven't even been notified of the infraction in the first place?! It seems like Bank of America is struggling. I am too, but I manage to get by without stealing from anyone.

Now, we have our vehicle (last thing we own) through Wachovia, and they have made a verbal agreement to "get us out of repossession" If we send (X) amount of money tomorrow. They refused to send a fax declaring the verbal agreement, not even an email. If this was just company policy, I guess I could understand but what I cannot understand is how they (customer service rep) could be so cold when I relayed our circumstances, in the hopes that we could at least feel better about sending almost $1,000.00 on "someone's" word. He was dismissive, cold, patronizing. Anything hateful that can be used here to describe this person, he was. In the end, I told him that I hope he never had to face losing his job and everything he owned, just to have someone like him belittle him.

Isn't that a rude answer? How is that a favor? You charged me for $185 for $7 and $8 charges? You failed to give me the correct information! They even mentioned they used to withdraw the funds immediately, but changed that 3 months ago, now wait until the companies cash the checks. They never sent me an info about it! I said, “Okay then, you should have declined the $260 because they decided to cash it more than 2 weeks later. And that I did not even dispute the overdraft fee, but 5 of them were not accurate. If you cleared the $260 and charged me overdraft fees for the other charges, that is fine. Or if I did not have $260 because of the $7 and $8, before $260 was cleared, then you charge me overdraft fee for $260. But how can you charge me for all of them and more after you keep billing me overdraft charges? You even charged me the fifth overdraft fee because of the fourth overdraft fee they billed me!”

No reason given, instead, I was yelled at, “Look, take us to court if you want. I will even send your term of agreement to your lawyer! That will be easier for you!”. I said I would never use Bank of America again and will open another bank account. Kevin threatened me, laughing, “We will come after you until we get our overdraft payments and make sure your credit is destroyed.” My request for the corporation's CEO information was declined; higher manager was declined. I sent an e-mail complaint, that was not responded. Did the congress use our tax dollars to bail out BoA so they can use it to train their supervisors to be abusive to their long-time customers? I have been their customer for 10 years.

I had $69.05 in total debits including 2 unexpected, one for $20.00 on my daughter's automatic reloading Starbucks card and the other $15.00 from my gym membership auto debit 2 days earlier than scheduled. It was an honest mistake. The largest debit of $34.00 paid first, followed by the $20.00 debit overdrawing my account. With $48.93 available in my account, the chain reaction began. If they had started with the smallest debit first, I would have had enough money to cover all my debits including the unexpected ones, except for the $34.00 debit resulting in 1 overdraft fee of $35.00 due the bank. That would be fair.

I work very hard for my money and live paycheck to paycheck since moving to Georgia. I currently live with my sister, a disabled Veteran. When I explained that I require a minimum of $210.00 returned to my account so I may meet my obligations for the end of the month, customer service refused. I even tried to negotiate and offered to let them have $70.00 to go to 2 of the overdraft fees, which I thought was more than fair. Still, they refuse.

On Friday, June 19, 2009, I called Wachovia's customer service. I talked with someone who was a non-American, non-English speaking person about this matter. That person thought I said I no longer wanted internet access to my account. So that person took it upon herself to deny me such access when I was trying to get set up to have my monthly statements mailed to me without getting any more of those annoying e-mail reminders about my monthly statements. Now, I no longer have this service available.

I have even gone further enough to contact both presidents of Wells Fargo and Wachovia about this matter, only to be belittled and patronized by Wachovia and getting no response from Wells Fargo. I am still getting those annoying e-mail reminders.

After wasting months upon months of my time trying to get this simple matter resolved, I am not going to waste any more of my time. This has gone on long enough. I am going to put an end to it quickly. My physical health is extremely weak, and it is getting weaker on a daily basis. I had a major surgery this month. I am looking at another major surgery within the next several months. I do not need this stress in my life to the point that my weak physical health will cause me to be hospitalized, and it's all because this bank refused to make this one simple change.

I thought I would use Wachovia's free bill paying service to pay my monthly telephone, but this was a mistake. The total amount of my telephone bill was removed three times from my checking account for a total of $71.67. One of those payments was applied to my parents' telephone bill, since AT&T thought that draft was from my mother's credit union checking account, not from my checking account. So AT&T applied such amount to my parents' bill.

Luckily, my mother got that straightened out with AT&T, but I am still having a battle with both sides which is further unnecessary stress for me. Therefore, I have removed that from my account, but knowing what Wachovia has done to me concerning my monthly statements not being mailed to me, it has most likely overrode this decision as well. If this turns out to be true, I will be glad to sue Wachovia for all of this unnecessary trouble it has given me for many months now.

Wachovia claims to have been rated number one in customer service for eight straight years. From the trouble I have had with this bank, I am beginning to wonder if this is nothing more than a pathological lie invented by this bank. If I do not get the results I am seeking soon, I will be glad to close my account and start conducting my banking business with a local bank that knows how to treat its customers right.

On my payday, Bank of America could not find my deposit. They finally found it at 3pm in my boyfriend's account. His account was way overdrawn, and my paycheck barely cleaned up his account. I never consented to my pay going into his indebted account. I told Bank of America this, and I was told to go to my employer for a reversal. I did. Bank of America then denied the reversal.

I had numerous conversations with Bank of America staff, and I was told different things by different staff. When I talked to Kelly at the Washington branch, she said calling her would do no good. She asked why I didn't just open my own account and said to stop calling her boss about this incident. I told her that in my opinion, Bank of America stole my paycheck. She said that is what I get for not verifying the numbers on the deposit slip. She also initially tried to say that I told her 3 times I had verified the numbers. I never said that. I told her I needed to get with my employer to get the numbers.

I did not get my $799.99 paycheck. I cannot afford my high blood pressure medicine or my insulin. Currently, my sugar is high (240 range). I also have no groceries. I sold most of my DVDs to afford gas to get back and forth to work and to buy the blood pressure medicines.

Further, what about checks I issued days or even weeks earlier? The response was we did what was proper. We finally got their "letter." It was dated the 22nd, not the 19th, as they had told us. The worst of this is the fees and cash advance fees totaling nearly $600.00. They are refusing to reverse; they are defending their position by saying that what they did was proper. At best, it is lying and thieving; probably, criminal and illegal. But we don't know where to get help. This is why we are writing you.

In total I received $700 in overdraft and overdraft related fees in just ten days. My card was finally declined on June 18, 2009 in which case I found out about the situation. The entire time I was being charged, I had more than enough to cover the overdrafts and fees in my savings account, but since I had not set up a protection plan (which costs an additional $10 and isn't adequately advertised), I acquired $700 in fees. After finding this out I called Bank of America and spoke first with a representative and then asked to speak to a manager. The manager told me he could only credit me one of the charges out of the twenty.

I am an AmeriCorps volunteer. I live on a living stipend of $830 a month while I give back to the community. These fees are almost an entire months income, two months of rent, six months of car insurance. I need this $700. There need to be regulations on this because those with the least money, those most in need, are the ones being scammed by this process.

I called BOA and was told it would take 3 days to process an 'electronic' stop payment as opposed to 1 day for a paper check. I was highly upset because of the amount of the payment and effect on my checking account. I called WFHM again and asked if their bank does 1-day processing of stop payments and was told they do, they found it unusual that BOA couldn't do it.

I called BOA back and confirmed 1 day is possible, they apologized but said they couldn't help me. I asked them to proceed with the stop payment and to transfer my cash from checking (would vanish due to mortgage payment) to savings, until this transaction took place. The agent did the transfer for me, apologized for not being to truly help me and we hung up. The next day, the mortgage payment went through my checking account, but the negative balance is lower than I expected.

BOA kept my money in checking against my wishes. The rep explained that once all the smoke cleared, I would have my cash back in checking (where I didn't want it) minus the $30 stop payment fee (that didn't help me) and a $35 insufficient fee for the transfer of my cash to savings by a rep who didn't warn me she'd have to deduct the $30 stop payment fee first. If she had told me there'd be a $30 fee that needs to be deducted from the transfer amount, it would've been fine.

At the end of the day, they insisted that they could not help me based on the new rules. With that, it forced me to take my business to another bank. It also caused me major problems with my payroll for my employees. Bank of America has never been great, but they were large and everywhere. Today, I know Bank of America is not worth the headache. I will leave and take my small business dollars to another bank since Bank of America does not care about the small guy. I also have 2 other business accounts with Bank of America that I plan to take elsewhere.

Because of what the bank did, I have zero money for food or anything and I don't know what I am going to do. I have $232.00 in the bank and that would have lasted me until I receive my pension at the end of the month. I can't pay for my phone, gas or transportation to even get to a job interview. I need help, I want my money back.

Once I found the account to be overdrawn on 6/9, I immediately deposited $60 before the pending transactions posted (which based on my receipt from the deposit showed that I had $7.29 available). When I came back to check my account online the next day, 6/10, I saw my $60 deposit has been eaten up by fees (as well as an additional deposit that posted for $80.42) and I again am showing a negative balance. At this point, I have no more cash to deposit and wait until the following morning for my paycheck to post before I called their customer service line and spoke to a representative named Tim who was kind enough to attempt to refund 1-2 of those fees, but felt I may have better luck speaking with someone higher than him to have them all waived after I explained my situation. I then spoke to a Team Leader named Tracy and a Supervisor named Derek, who advised me that the policy to waive fees changed since speaking with Tim. Nothing at all could be removed (So my question was, is the offer to remove fees based on personal preference?). I have deposited a total of $1,394.65 in my account within the past 4 days to make sure I had all "pending" transactions covered and I am still racking up overdraft fees as of yesterday, 6/10/09. I had according to Bank of America a total of 6 items posted, which were "pending" according to their website/automated phone system. They charged me six fees a day after I made a deposit to bring it positive, for the six pending (not yet at that time posted transactions). Then 2 days later, an additional $35 fee was added.

So from 6/9, when these transactions were pending (according to Bank of America posted because they claim they were pending 6/8 to 6/10, a total of 2 days), another fee was added. Why? According to the pop-up link on the fee, their system says: “Please note: If your account has a negative balance for 5 consecutive business days, you will receive an additional one-time Extended Overdrawn Balance Charge of $35 on the sixth day.” So why was I charged another fee? The system claims it is from overdraft item on 6/9. I had a $5.45 transaction that at the time was pending. When the $60 deposit was made on 6/9, I had $7.26 in available funds (I have the ATM receipt to show this). I find it funny how the layout of the transactions keeps changing on their website. Like they post stuff in any order, but then refer you back to their website to check your balance and avoid going over. They say one thing; check the website as a tool to help with the account. Then they say you can’t rely on that information (even though the charges are "pending" and showing having already been deducted from the balance). So, do they want us to use their "tools" or not, because they refer us to the website and the automated phone system for balance information, then they say not to rely on that information because it isn’t accurate.

So what they did was charge me $140.00 ($35X4) for over limit fees, when they could have used the $74.00 that was in my account to pay the $50, $2.50, $2.50 and $55.00, leaving $19.00 in my account and then charging me for just one over limit fee, that I deserve, because I did make an error in my account. I called, went to the bank, did email and chat, but no one will do anything about it. I am now emailing customer service, but all you get is prefabricated responses.

After sending them four emails, I requested the contact information for their complaints department (they have to have one) and asked if they belong to the BBB. But since I only get pre-populated responses, I haven't gotten the information yet for the nonsense that they say about arranging the debits from largest to smallest to save customers' money and pay larger or more important debits first (i.e. mortgage, car, etc).

The bottom line is they either will or won't overdraw your account based on your history. Obviously, the $75.00 debit was not my mortgage or car payment. I asked as a customer courtesy that they reverse three out of the four fees. Back in the golden days, when computers didn't run the world, a BofA rep would have seen the debits, and thought that I can pay three out of four of these debits without overdrawing this account. The computer and "policy" makes it so the consumer gets screwed.

I don't see how it's fair that they don't pay all they can with the money in your account, instead of maximizing their fees and doing it largest debits first. I have had no luck getting any help with this at all. I figure, if they can waste my money, then, I'll just offset my losses by wasting their time!

I have no gas to go to work tomorrow or get home. My mechanic is charging me every day because my car sits there, waiting for me to be able to buy parts to fix it. I have to pay people to bring me to work until my car is fixed!

Today, June 11, 2009, I noticed that the collection amount of $165.66 was deducted from my new checking account to pay for the fraudulent account's bank charges. Again, I spent a lot of time and a lot of calls to the bank to see if this can be resolved. If they cannot replace the funds today, my mortgage payment will bounce and cost me even more money. I have spent many hours because the bank did not do its job in the beginning and check the signature card at the branch level. Then the bank did not thoroughly handle the fraudulent account and its problems so I am charged fees on an account I never opened. The anxiety, depression and frustration levels from this are very high. The bank has been less than careful. The bank has been far less than thorough when handling problems that arise from their carelessness.

This is plain and simple racketeering-stealing! Not only does it reflect badly on the account holder for a long time, it isn't right. I spent at least an hour on a chat with the BOA representative about these charges and their explanation was that charges were authorized or pending but hadn't necessarily been sent through the bank, or an actual charge. In most of these cases, they never do come through the bank, but they charge the account for an NSF even if there was no actual money transaction. I was told last night by 2 BOA representatives that one of these charges was credited back to my account, but obviously that wasn't done. So BOA gets the taxpayer's money to "bail them out" while they continue to charge astronomical percentage on small overdrawn balances, but now they charge for not having an overdrawn balance, too! I could not go to work today or tomorrow because I have no gas and no money. If I make a deposit, the balance is so high that it will go in the hole. I don't get paid until Monday so I am home bound with $3 and 2 children. Americans are struggling to feed their families, find employment, healthcare, just survive and BOA profits from their misfortune! I have a hard time believing that this country and those in power can allow this abuse to continue. I am sending this to my representatives, the Commissioner of Banks, consumer watchdog advocates, and all federal agencies that have a consumer advocate. I have now spent hours fighting for money that I spent hours earning.

These smaller purchases would be covered by the checking account balance if they didn't take the largest transaction first. It would be understood if this happened occasionally but it has happened every time we have had overdraft fees in excessive amounts. I realize we have a responsibility to manage our account. However, they have a responsibility to not abuse their customers to their advantage.

We are in the process of closing this account. I have been a customer of theirs for 10 years and have consistently taken the largest transactions first so that they can take advantage of us by charging excessive overdraft fees for the smaller transactions. They refunded us $21.00 and then another $21.00 after I sent an email to the online customer service. Their branch in Chesapeake, VA was extremely uncooperative. One of their division heads, Brandon ** was even less helpful. We had to pay our rent late due to this transaction.

The first I heard of this debt was from a collection agency. I wrote and demanded copies of all receipts with my name on it. They sold the account to another collection agency and ignored my demand. I filed a complaint with the Postmaster General against the new collection agency and the one after that and the one after that, etc, etc. Every time I would file a complaint, they would just sell the debt to another collection agency. This harassment has been going on for thirteen years.

Recently, RJM has sent me a collection letter. They have owned this debt before and I filed a complaint against them with the Postmaster General. They probably don't even realize they've owned the debt before since it has been so many years. How do I get this to stop? These collection agencies are irresponsible. If I dispute the debt and ask for receipts with my "signature" on it, they refuse to comply, ignore me and sell the debt.

I do not believe that this debt is being reported because the statute of limitations has obviously run; however, the time and aggravation of dealing with it is enormous. The fact that the men who stole my checks did not pay for their crimes and the fact that Bank of America totally washed their hands of the situation, leaving me to deal with it is great. I know emotional distress is probably not your concern, but when does it end? Should I pay for certified mail to these people? When they ignore my dispute and refuse to mail documentation, should I pay for certified mail again to the next collection agency?

With $1400 less income due to BoA taking this for profit, I will now be forced to claim hardship on one of my mortgage payments. Ironically, the mortgage debt is with BoA (Countrywide).

I spoke with an associate who said he couldn't help, then a supervisor, who said the same. I was livid because the over draft charges were double what the claimed I went over. I called again and finally got two charges removed. I was thankful and asked a few times if I was going to be charged the next day and if I had anything to worry about. She claimed I was in the clear and had nothing pending. She assured me of this.

The very next day, I received another overdraft charge while my account was in the positive the prior day after having the two amounts refunded. The prior Tuesday and Wednesday, I had deposited a total of $200.00. Yet here I was, hit with another overdraft fee and my account came back in the negative. Even though I keep depositing money, they are robbing me of double the amount. My checks were local and should have cleared by then (one business day). Yet a day later, I was charged with two more charges on one day. That's 7 charges of $35.00, adding up to $225.00 in a 3 or 4 day period.

Another odd fact is that I had sent out any checks or used my debit card that week. I called again and they simply acted like robots. I said, "I'm now negative $25.00, I haven't used my card, I've deposited since the holiday weekend over $250.00, yet I'm being hit with charges and my account is negative. I can't get gas or buy food because of your robotic system." I might have been talking to robots because they just kept repeating, "There is nothing that we can do, sir." I tried being logical and explained the situation, but it was like talking to a wall. They are all corrupt! They time the deposits and credit charges to screw people like myself and make the bank a lot of money.

Simple questions regarding mother's maiden name, etc. are expected. But, to ask questions regarding additional family members who have had nothing to do with the account, including their current addresses, ages, marital status, etc. are extremely subversive and indicative of a lack of respect for their customers.

I will never do business with this company again and find their actions to be unconscionable and a true invasive action. This type of information is not critical but to use data gathering to the level shows intent to profile clients and use this information in a variety of methods not normally seen in day to day business interaction.

I have no credit cards, credit lines or loans with this company and now, I will have nothing to do with them going forward. Their explanations were marginal at best and they state the information was gathered through public sources. I left Wells Fargo fifteen years ago and now I am adding Bank of America to my black list of vendors to never do business with.

I am not disputing the overdraft fee for the $30 check that was written or any other fees that may have occurred after that, but I do not believe that I should be charged an overdraft fee for the other transactions that I have listed above. I have called your call center and spoken to two agents, two supervisors and was placed to a voice mail without be advised that I was being sent to a voice mail box. All of these agents except one supervisor who was kind enough to give me a courtesy credit of $50 were unwilling to help with the return of these overdraft fees. I feel as if I am being penalized because your system feels that it is best to clear the higher dollar amount first instead of clearing items in the order that they were purchased.

I was also told by the first supervisor that I was being penalized for charging the items as a credit instead of using my PIN number and doing things as a debit. She stated that if I had done these charges as a debit I would have never been charged these fees. If that is the case, then time and date should matter in both situations and I should not have been charged the fees in the first place. I am requesting the remaining of my fees to be returned to my account taking into account the $50 credit that was already placed in my account. There was a total of $140 in fees charged and after the $50 credit that leaves a remaining credit of $90 that I feel is due to me.

It began over two months ago, when my ATM number was stolen while working abroad for several months. After trying to reach the “toll free” number, which is not toll free, I spent money to call the international number to have my card halted and a new one issued. Of course, the call was abruptly halted when my credits ran out ($15). However, my account was frozen and I believed a card was issued.

Problem #1: Bank of America refuses to assist customers via email or IM. I can only assume this is for security purposes, which is odd considering I’m allowed to make any number of financial transactions moving large amounts of money around, but I cannot make a request for service or expedite the issuance of a new card, even to my home address which has been on file with BOA for over six years.

The number they request that you call (315) is disconnected. And when you call the standard customer service line, you wait lengths of time to get through and often run out of credit in the process. I've spent at least $50 USD on hold trying to get the necessary information to a representative only to be disconnected as they transfer me or due to lack of credit. However, it is mandatory, there is no exception, no one could ever possibly contact you (which would also address the fraud issue) or find a way to make an exception and allow you to communicate via email on their own site. BOA functionally ties your hands so completely, you have no recourse and they refuse you access to your own money, which is rightfully yours.

Problem #2: “Customer service agents are either powerless or incompetent. Next, after repeated attempts at service, I began emailing unable to get through to customer service. Each time I explained my situation, I was sent a form letter from five different representatives. Each one telling me how valuable I am as a customer and how truly sorry they are at what I've been through, yet they don’t respond to a single request or they give me completely inaccurate information. Moreover, I find it hard to believe that Bank of America cannot find a way to provide any level of customer service except for form email letters.

A representative could have contacted a manager and requested special permission to approve an expedited shipment, conduct a call, or have someone call me from an appropriate place at BOA offices in order to rectify a situation that has become increasingly problematic due to BOA’s handling of the issue. I gave every bit of information I could about my situation and asked repeatedly for service, including my phone number, asking for someone to please contact me because I've tried, but I never received a single response from the same person who could’ve chosen to follow-up and actually try to help a customer in distress. Instead, everyone copies and pastes their form letter with no interest or desire to serve the client.

As for the misinformation I received, it is constant and pervasive. When I called the international line and asked for a new card to be issued, I was told yes of course right away. The card has not arrived 1.5 months later. When I IM’ed with a customer service representative, I was told my new card would be overnighted to my home, because he could not expedite it to Tanzania. It was confirmed several times in writing as was my address. Two weeks later, I still do not have a card.

When the online representative told me via email they issued me a new card to Tanzania (I explained I’d spoken with someone online right after and they said it would take forever so I asked it be sent to my home and then colleagues could forward) and I explained the situation, however difficult that might have been, I was told that the card had in fact sent to my home address. However, what had actually happened was immediately canceled my card and reissued it to my home address through standard mail, meaning I still don’t have it. There are many more details in the attached should you ever choose to review the horror verbatim and wade through what has been a nightmare of an experience and made my trip abroad very difficult. I will be canceling my account upon my return.

I still do not know if Bank of America has any intention of correcting the first problem concerning our homeowners' insurance policy. The bank took out $413.00 for homeowners insurance on April 13, 2009 and then they took out another $413.00 for homeowners insurance on May 11, 2009. BofA took out of our escrow account a total of $826.00. So now, it seems that we have to pay $413.00 for a mistake that the bank made in the first place. On Thursday, May 14, 2009, I received an answer to a message that I had sent to BofA about the problem of money being taken out of our escrow account twice for the payment to AAA for our homeowners insurance. They are going to investigate and then let me know the results. On Tuesday, May 19, 2009, we received an email asking us to complete a survey on how we were treated by Bank of America with our problem. Needless to say, we did not give them a very good score on any of the questions.

I'm in the process of trying to obtain a mortgage in this horrible economic climate and through BOA's actions, that I did not deserve, my credit scores will be lowered because they closed my account and lowered my credit limits. This is the most unethical business practices I have ever seen. If BOA had been an honorable company, picked up the telephone and treated me like a "valued customer," a resolution could have been reached that did not damage my credit scores. However, they chose to make global decisions and treat their entire client base like unworthy and irresponsible credit risks, a decision which on my part couldn't be further from the truth.

I'm very upset that BOA is treating the American public in this manner. It is unethical and poor customer relations, a decision that BOA will not have to pay for, but I will. I will pay higher interest rates for any extended credit I get because BOA will report to the credit bureaus I'm an unworthy risk, when only 2 days prior to closing my account, BOA sent me a letter encouraging me to transfer my balances. This is unethical behavior, period.

I said I didn't open any accounts, but it was fruitless to talk to the young man. He could not answer any of my questions. I had lost sleep and my blood sugar went up to 281. I didn't need that. I am on a limited income. I got on the phone and got a wonderful angel named Amy. She found out that not only did I have a new savings account, but checking too. I screamed! I asked what the h--- happened, and she said that it might have been a contest of which employee could get the most people to sign up for a new savings and checking account, with incentives. It screwed up my bills. She really took care of me. She cleaned up and straightened up my account.

I am going to my bank to get an explanation. Again, they do have some good people and integral people at BOA. Thank you, Amy. God bless you.

She told me (not asked) that she would be reducing my credit limit from $60,000 to $25,000. I firmly argued this, based on my history of being a stellar customer. I requested to speak to a manager. She put me on hold for about 12 minutes then came back and informed me that she spoke to her manager and he concurred with her. I told her that she and her manager just discussed my account without me being a part of the discussion, and then told her again that I had requested to actually speak to a manager myself. She told me that it was not possible and she would have to put in a request and a manager would call me back. I told her that she had just spent 12 minutes with a manager discussing my account, and I want to speak to him/her now. She told me he had left the office. I asked for another manager and told her I would not hang up until I spoke to someone.

She put me on hold for another 10-15 minutes then Dennis came on the phone. I argued strongly with him for quite some time, and he told me things like, "It's because of people like you that BOA is in the state that it's in." and "If you borrowed your full limit, you wouldn't be able to pay it back." I continued to tell him that I wanted my credit limit back to where it was, and that they would not even have changed it if I hadn't called in to ask for a service that was completely unrelated. He said he would make a note in the file that I had "requested an increase to my credit limit." I said that I was not requesting an increase, that I was simply asking that they put it back to where it was before I called them! He would not. The total phone call from start to finish was 1 hour and 38 minutes.

My credit report will be negatively affected by a $35,000 reduction of credit limit. I am now going to call other banks and attempt to move my balances from BOA to another company so that I can close my BOA accounts, including MBNA, which I was not even aware was part of BOA.

Back on 4/9/09, when I made a payment to my Visa card, the money goes out of my checking account and floats out on the wires in nowhere land for two days or so until they finally credit the payment on to my Visa card. Yet the moment I make a charge on my Visa card, it shows up within 30 minutes or so. I have overdraft protection on my checking account linked to my Visa. Back on 4/13/09, my account became overdrawn by $37.39. They then hit my account with five overdraft fees for five items that should have been covered by my Visa card. They even charged me an overdraft fee of $35 for a $5.78 transaction. They said that even though the online banking shows the Visa card had a credit of $265 available credit, it wasn't available to cover the overdraft so my account became even more overdrawn and because they hit me with five fees for five transactions, my account was overdrawn by $250.63.

I complained about the transaction that was less than $6 and being charged $35 fee for it and they credited me back for two of the fees. What upsets me is that they continue to hit my account with these excessive overdraft fees. As soon as I can pay off my account, I think I am going to close it.

The Bank of America has never before allowed use of a card or authorized debits when no money was in that account. This appears an obvious effort to defraud me of what little in funds I had. I am asking the Attorney General to step in and perform an investigation of Bank of America's history of changing the order of debits and deposits, altered authorization in order to collect fees and other evidences of fraud and malfeasance toward myself and the public. Thank you. I hope the state of Texas fines the bank and shows their corruption even while they feed on billions at the public's expense.

Let me preface this story by telling you that in the 23 years that I have been a reporting consumer, I have never missed a payment to any creditor. I have never had a collection. I have never had a lien or judgement, nothing. I have copies of all 3 of my credit reports (Equifax, Experian, and Transunion) that are dated April 2009 and they will each back that up. Not even 9 months ago (before this all began), my average credit score was 785!

My nightmare w/ Bank of America that began last year started with them taking away my entire HELOC without any notice! As soon as I realized that the money was gone, I went to the branch. I was told that due to the declining real estate market, they were forced to take away HELOC from thousands of customers that had over 80% loan to value (LTV). I told them that there was no way I had anywhere near that high of a LTV. After weeks of phone calls and letters, I finally decided to prove this by getting a $350 full appraisal done.

Sure enough, my home came back appraised at $380,000. My primary mortgage is only for $105,000 with Wells Fargo. So what did they do? They gave me back only 25% of what I originally had, even after the appraisal (and they chose the company) proved that I was at less than 60% LTV and was deserving of a higher loan amount. I was so disgusted that I took what measly amount they reinstated and went on my way.

Now, I am having even bigger problems with them. How do they thank me for having eight (8) accounts and all of my business with them? How do they thank me for never missing a single payment on a credit line or credit card? Well, over the past 3 months, my two credit cards which used to be three until they simply closed one without warning (which lowered my score a little) went from 0% (my "promo" rate that they lured me in with) to 24.99%! I have sent letters. I have sent copies of all 3 of my credit reports showing that I have never been late to anyone in 23 years.

They do not care! They are thieves! They simply sent me back a generic letter that pretty much told me "too bad", and that they have every right to raise a rate to the default rate once the promo rate has expired. There was no regard for the fact that I have a perfect payment history(!), no regard for the fact that I have given them a lot of business over the years and that I have 7 accounts with them. They also reduced one of my credit limits on a Mastercard which has also reduced my score by about 30 points to my estimation.

I really need some help here. I have sent letters to the FTC - no response. I have mailed letters to the bank - no response except for the one letter that was computer generated and told me that the 24.99% was there to stay. This is absolute stealing and has caused me financial hardship by lowering my excellent credit score from 785 to 675. Now how do I buy another investment property? And this has caused me tremendous stress. I am continuing to make my payments on time, even though they are now more than double due to the interest rate increase. Please let me know if there is any way you can help. Thank you in advance for any help you may have to offer.

We had no idea when we would get home today and the lender needed this information as not to hold up our escrow. So, we stopped into your Palmdale (CA) Branch on Palmdale Blvd about 12 noon. I (John) went in and explained my problem to a teller. I was directed to a lady standing near the door. I went to her and again explained my simple request. She told me, I would have to wait for my next statement after May 10th, 2009! She refused to even look up the copy of the check and or our statement and we had our ID and everything! I was to return home to my computer that was 40 miles away! I was polite and told her this could delay the closing of our escrow if we could not get this information to our lender. She was indifferent to information. I thought it interesting that before us, another BofA customer was making what sounded like a simple request and he left upset, like me! I called your customer service line and explained my problem.

The operator also said he could not help. I asked for a supervisor and I got a Mr. **. I explained my problem to him. I was again turned down. I wanted a simple copy of a check and a copy of my statement for my home loan escrow, that’s it! I went all day away from a computer and no way to access your website or obtain the information. To say I am upset is an understatement. Once we got home, we got the copy of the check and then had to drive back into town (12 miles away) to fax these items to the lender late tonight. Now that we are back home, we are sending you this letter to inform you we are making good on our promise to close our accounts with you which we have had for the last 25 years!

Nine months ago, I closed my Bank of America Visa account with you as I watched my interest rates climb for no reason at all! We had considered doing a home loan with BofA and did in fact get a pre-qualification letter from BofA back in late March. We decided not to do our home loan with BofA for two reasons. First, BofA was not really forthcoming with the best loan (and we are not desperate men with poor credit). We were able to get a 4.8% interest rate with no points with another lender, so your loan offer was horrible compared to others in the home loan business. With our high credit scores, we do not need to deal with banks that do business like this! Next, we have been told on more than one occasion that BofA will call near the end of Escrow and demand more money from the borrower just to close escrow. We were not going to change it with BofA. Your loan offer got shoved to the bottom of the pile not to be considered again!

Now, because of a total lack of service, we will be closing our account with BofA which has been in existence since the mid 1980s! I would have closed our account today but it will take time to switch over our automatic deposits from The Los Angeles Police Department and Time Warner Cable. Please take this letter as a formal complaint towards your BofA branch on Palmdale Blvd, and how your bank refused to help a long-term client with a simple problem. This lack of service has cost your bank a customer. Given the recent federal stress test that BofA failed, it appears you needed us more than we need you! We will not put up with this. We simply do not have to.

We give the above account about 30 days left (that’s how long I expect us to shut it down) before it is closed and we stop doing all business with your bank. We are glad we listened to our gut when we decided not to have Bank of America handle our new home loans! We would not want to deal with a bank that is under federal pressure for mismanagement and treats long-term customers like this. We intend to go out and celebrate the day this account is closed for good!

Well, it took nine months and all my savings to go completely broke. My car was repossessed and very soon, my child and I were homeless. We lost all our possessions as well trying to save our car for work and school. We ended up living in a homeless shelter for four months. The credit I was trying to build was ruined and the momentum of reconfiguring our lives was gone forever. My husband somehow used an employee of Bank of America to re-route my annuity into his account since 2003. Bank of America was bound by a legal divorce decree to hold this account only to catch the annuity and disburse the funds to each of us. I have since learned that my ex used this account for his own personal banking business and allowed (now pay attention because this is important) co-mingling of funds to take place without my knowledge. The only way this was possible was for him to have a friend working at Bank of America.

Who does Bank of America think they are? They are owed by the depositors and now we own them through the government bailout, and they cut off credit at will without prior notice. This is 4/29/09. I just received a mail about the disclosures to customers after the fact, between end of March and end of April to cover their actions. I have never been political but I certainly have a change of heart. I think anyone dealing with Bank of America should pull their money out! Since they own the Countrywide fraud scam, they are using all measures to cover their interests at the hard working customers' expense. I'm through with them, just like some of the rest of you.

Now, I am being charged overdraft fees of $35 for each posted item that came in after that. She refused to undo those overdraft charges. I told them that I would close all of my accounts and hung up in frustration. I called back to the business banking center about my business account. I found out that they charged me for overdraft fees on pending items that never posted negative. I had transferred money into the account before the charges posted. The rep says the business department does it differently, that the residential department and they charge for overdraft on pending charges. Wicked company. I hope the government close them down.

Eight days after charging, they added another late fee. On top of that, I get a flunky on the phone who tells me he is a manager (right!), defends the charges, and says he cannot remove the late fees. I told him BofA could stuff their charges and told him to close the account. BofA can close an account in minutes but cannot post a payment for 1 or more days. I would really have preferred to keep the card just to give them a cost to maintain an account, which gives them no revenue. On the other hand, I am so happy to be free of these cheaters, liars, and robbers - BofA and its employees. Is anyone surprised they have such big problems? Given their low marks for customer service, things may get bad enough they go out of business - a good thing in my book!

So, I asked them if I could just go and draw out the money I had in there and she said no. I couldn't believe that they can withhold your money from you. There is no valid reason to their closing the account and now I cannot access my money. Even better, when I called today on 4/29/09 to check if they had cleared my checks that I had previously written, I had an account balance of $601.40 and out of that, $280 was taken out in NSF fees for their system error bringing my account over 800 thousand negative. I am furious. I am a single mother and now I have no way to buy gas to get to work or feed my kids because they won’t give me my money.

I don't appreciate this and why close my account for something I didn't do, which is tampering or abusing the ATM. I can understand the immediate withdrawal of funds but to make me not have a bank account at any institution is very wrong and to be rude to me every time I make a phone call to the Risk Management team. I even had my branch manager try to speak on my behalf and basically, you told her to shut the heck up. I am being treated unfairly as the bank has a hold of some $85.

I am requesting an investigation from your office for the bank's practice. Bank of America claims they have 46 million customers. If they are charging only 10% of them, it comes to about $116 million a month at least. Recently, they were also helped by our government receiving billions in bail out money, which came from all the taxes I have paid. I am outraged, angry and believed betrayed. There must be some kind of control to ensure these banks are doing business in fair and honorable manner. By the way, all this happened within one day. The next day, I had money in my account from direct deposit.

A third call was placed, and I was advised that a $7 check had been cashed out for $700. On that same day, I received a notice from the bank with a copy of the front and back of the $7 check. Printed on top of that page were some typed numbers supposedly showing that the check was cashed out for $700 (actually, it shows only that a teller keyed in $700). I placed an immediate call to my husband, who stated very emphatically that he remembered the check and that there was no way that he received $700. He was very angry and wanted proof of this, just as I did. I decided to visit a local branch to see if they could find out more about this.

I visited the branch on Friday, April 17th with the letter in tow. Even though my husband and I know that this check was cashed in the drive-through window at the Mount Vernon, WA, branch of Bank of America, the representative at the branch was unable tell where it was cashed, because the normal imprint that is placed on all cashed checks by BofA was (for some unknown reason) illegible on this particular document. She did everything she could to try to magnify the imprint, but she was unable to read it. She found this to be highly unusual, so she placed a call to Customer Solutions, which is a step above and beyond the department that the average consumer can contact (Customer Service).

Because I told her where the check was cashed, she also placed a call to the Mount Vernon branch, inquiring if they were out of balance on 01/06/09, which was the day the check was cashed. They were not out of balance, which, again, she found to be very unusual, since they certainly should have been out of balance. She explained that when there is a situation like this (provided the teller reports the out-of-balance), the bank always charges any over/under back to the teller, not the customer, and then does an investigation, but that process was not implemented in this case, since the teller did not report the out-of-balance. She took my number, and told me that she would call me once she received an answer from Customer Solutions.

Due to the fact that I had not heard back from her since the day I visited the branch on April 17, I stopped by the branch, again, on Wednesday, April 22nd, and asked her about it. She said that they still had not responded to her request, and that when she was off the teller line, she would contact them again and would let me know what she found out. I have not heard back from her, as of this writing.

We have asked BofA, on 4 separate occasions, via phone call, and in writing, to provide proof that my husband was actually given the extra $693, but they have refused to provide anything further than the copy of the front and back of the $7 check, which simply is not sufficient evidence. When you combine this with the lack of a readable imprint on the check and with the fact that no teller reported an out-of-balance that day, it does appear that possibly a BofA employee took the money (and did a fairly good job of covering their tracks). Even the BofA employee that assisted me feels that this is a distinct possibility, as does every third party I've polled, including other banks (I did not reveal what bank I was dealing with, I simply posed the question along with pertinent facts).

In addition, this particular check was cashed on 01/06/09, but the correction wasn't made to my husband's account (I do have legal access) until 04/09/09, fully 3 months after the supposed fact. I, along with my husband, feel that BofA must reverse this situation, deposit the money back into the account they took it from, reimburse that account for the overdraft, and reverse the cash advance from his attached credit card, along with any associated interest charges or additional fees. They waited more than 3 months to correct this supposed error, yet they did not even attempt to notify us that there was any kind of problem. They simply took the money. In any other situation, this would be considered stealing.

Bank of America should have tapes of this transaction, and the representative at the local branch even mentioned it to the Mount Vernon branch. We should be able to view the teller counting out all of that extra money. I suppose the tape from that day is somehow missing, as well.

Well I am unemployed and $105.00 is a lot of money for me. The $105.00 they take will now throw my account into insufficient funds when my utility bill get cleared which I had already sent out prior to everything that had happened.

The next morning April 21, 2009, I called the main office of our home insurance in Michigan (1-517-323-1200), Auto Owner's Insurance. They confirmed there was no lapse in the policy and the policy was paid in full and effective until April 11, 2010. I then called our insurance agent, The Nation Group (352-732-3881), and asked them to once again fax the cover sheet of the policy to Wachovia. This happened to us in October of 2008. The sad part is, we are never late with our mortgage payment or insurance payment or tax payment, yet we are constantly harassed by this poorly-run bank.

I do not intend to pay any charges to Wachovia as my home insurance was paid in full and there was no lapse in coverage. I suggest everyone stay away from this failed institution. It seems they are trying to make illegal monies off the backs of their customers. I am more than upset and will be sending a letter to Barney Frank of the Financial Committee.

I've called and spoken to a CSR and was told that I need to cancel my new debit card now. When I asked how these people were able to use the card with the cancelled number, I was told that I should have cancelled my checking account number (which they don't even have) and open a new one. Well that's what I'm doing, with another bank. My other gripe about Wachovia has to do with them putting small charges on hold for a week while they wait for the first of the month when my mortgage payment is due, so they can put the biggest one through first since it's the most important. Then if I'm short in the account, they can bounce and charge me $35 for every charge instead of just the mortgage.

I can't believe I was actually told by a customer service rep that they consider the larger transactions as being more important than the smaller ones. Who the hell gave them the power to determine which charge was more important than another one?

I then became suspicious about the late fee and did some investigating. The payment check to the local Verizon phone company and Bank of America were both mailed on March 5, 2009. The Verizon payment went to Dallas, Texas and was deposited at our bank on March 9th, 2009. The Bank of America was mailed at the very same day and was deposited on the 12th. Now my finance charge is up to 47.13% and I'm thinking I would get a more competitive rate from organized crime. I think that bank of America is intentionally sitting on mail to collect late payment fees.

The only thing more insulting than Bank of America's dishonest reasoning is the way they are allowed to do business like this. Not only do they get to rip me off, they also get my tax money from the bought off politicians (probably from fee money collected) to continue to do it. My recourse is to change banks but what I really wish is that something could actually be done to stop Bank of America from ripping off the people who can least afford it. In some of the worst economic times I've seen, Bank of America has to be the most ruthless and dirty dealing business I've come across.

When I logged into my account on the 14th, my account showed there were sufficient funds. The individual I spoke with at BOA told me there was nothing that can be done. I then asked to speak to a supervisor who gave me the same runaround. What I don't understand is how they can charge you with the possibility of over-drafting. My account never went negative because the transactions were pending. I made a deposit on the 15th to ensure everything was covered and when I made the deposit, those transactions still did not hit my account. Today is April 16th and the transactions are still pending. I have enough to cover them in my account, but I'm still out of $105.

I went online to check and discovered my mistake and accepted that it had cost me $70 for the two overdrafts. On my next payday a few days later, I went to check my balance and found that I have been charged for three overdrafts. I called B of A to tell them there was a mistake. According to them, there is no mistake, I had $35 so they applied the $11 auth. (hold) first bringing my balance to $24, then applied the online purchase of $25+ (1 overdraft) then the gas purchase $15 (2 overdrafts). Now I am in the red and they charged for the two $35 fees. Then five days later, the $11 charge actually posted and they charged me $35 for that. I am lost at this point. If I write a check, it is posted to my account for the date on the check. It is posted the day it is presented at my bank from an individual or another bank. This made no sense to me. I felt that they shuffled the charges so that they could impose another fee.

Payday Loan Yes entered my checking account early for payment and sent in two transactions, one for $60 and another for $50. Bank of America paid this and charged me $70. When I went to the bank, I voiced my concern and a dispute was put in. I asked the bank on two different occasions to put a freeze on my account because I could not get in touch with Payday Loan Yes and they kept sending transactions in for payments. The second time I asked the bank to do this, my account was over $500 and their policy was that they would pay up to $500 but because I had put the dispute in about the early withdrawal payment, the bank was not paying anything, just sending items back and charging me NSF charges.

The bank finally put a freeze on my account when it was over $1,000. I was furious because I had no idea that from 1/09 to 2/09, Payday Loan Yes would just continue to hit my account like this for payment. There were other transactions from other companies but not like Payday Loan Yes. I went to the bank again and the manager at the bank called Bank of America and got a department where someone by the name of Zachery told us that if we could get a letter from Payday Loan Yes showing that they made an error that he would adjust my account and he gave us a fax number to fax the information and we did.

After the fax, nothing was done so I decided to call the bank and I got the Risk Department and they told me that they would not be able to do anything about the charges but give me credit for the two transaction and two NSF charges that I incurred when Payday Loan Yes got the payment early. I was told that I would have to pay the NSF charges of over $1,000 or maybe $2,000. I feel that Bank of America took advantage of a situation and did not handle this issue in a timely manner. Therefore I am left with no other choice but to complain about both companies and try to get this matter resolved because it is unbelievable for a bank to tell me this and they did not pay anything and they allowed this situation to get out of hand.

They want me to pay for their mess up when both companies took advantage of me for a payday loan for $200. This is damaging my credit and I know that something can be done about this on both ends. I have documents if you should need additional information.

Customer service was of no help. All they told me was that the deposited funds are subject to a hold up to 11 days. No one told me my funds would be on hold when I made the deposit and since the deposit effective date was 4/10/09, I assumed that meant the funds would be available. The customer service rep told me that is not the case. I asked her how I would know there was a hold on the deposit and she had no answer, just stated Wachovia's policy of any deposit is subject to a hold. I have never had a hold on any other deposit I have made to that account since I opened it 3 years ago.

Repossession dated 4/5/09, Sunday at 5pm. Tow driver was patient and said I would get it back as soon as I paid up payments since Wachovia allowed 30 days before picking up repossessions. I called Wachovia immediately the next day. I was told total balance only. No negotiation? I was given another number to call, so I called. Rep said I brought this on myself because I contacted the BBB. Rep was very demeaning, rude and just plain mean. Balance in full due is not negotiable. They refused to let me speak with supervisor or manager. They said I could call the office of the president, gave me the number and hung up on me.

I called back to get the name of who I spoke with, which is Paula. The vehicle is no longer worth what is owed due to economy. You can buy a brand new one cheaper. I received letter requiring my signature on 4/9/09 stating vehicle to be sold at auction on or after 4/17/09. No time to find money for pay off. This is a 2008 Expedition. I told the first harassing rep that I was at work. My cell is my work phone. He stated I was 31 days late. I asked for written communication only. Co-workers heard my words to the rep and clapped when I got off the phone.

I paid diligently for a year before becoming late. My problem began the same time Wells Fargo bought out Wachovia. The company website is dealer-oriented. I have bought and paid for six Ford dealership financed vehicles in my lifetime. Never have I experienced such! I am ruined. The vehicle is in my name only. I am selling everything possible to pay the balance after auction. My husband's paycheck goes automatic into our bank account too. Our expenses are autodraft. I am scared to death. The equity in our home is not sufficient. My income is not worth garnishment. I am having problems coming up with funds. I require a vehicle for my job. I am so scared.

I made the last payment on it in March of 2008 to the collections company. I tried opening a bank account in March of 2009 and was denied because check recovery systems is still showing an unsatisfied account for me. I have been to the local branch of Wachovia in an effort to resolve and on my last visit was told even if they get a letter from the collector (who she called while I was there and who is in fact faxing that letter to her), Wachovia cannot report to check recovery systems saying that the account is satisfied because the account was sold to collections. I was also told she is not arguing with me and in her 32 years of being with Wachovia, they have never reported to check systems saying an account is satisfied.

I am not arguing that they sold the account to collections. What I am disputing and what has me so upset is that they placed negative information on my credit profile and are the only persons who can remove it/correct it but they do not do that. No bank will accept a satisfaction letter for a check recovery reporting but with a bank like Wachovia, they are telling you to do it yourself and tough luck. Has anyone else been in this situation and how did they resolve it?