Bank of America Reviews

A couple days later, frustrated and needing my money, I decided to ask them, instead of mailing a Bank of America check to my residence, if they could just transfer the monies into a different checking account at another bank. The man said that the decision was final and they were sending out a check on March 6 - that is a day after the check was supposed to be available - and that they were mailing it from Florida and I will receive it in a week. Another week? I explained my situation and asked if there was anything else that could happen because of my dire need, and he just kept saying, “No, it is final. Anything ELSE I can help you with?” I said no and hung up the phone.

Back to Bank of America. I called them on Feb. 19, 2009 to use $1,500 of my open good standing loan. I should have had access to $8,000. When I called to get this $1,500, the lady at Bank of America asked what I wanted the money for. I told her I didn't feel it was any of her business if I already have this open account. We went back and forth for a while because I was being made to feel as if I was asking for 1 billion? Finally, I told her it was to pay taxes. The lady told me no and as a matter a fact, they were going to lower my credit available. I asked why. She said, "Your credit is perfect but you've added $500 to your debt." Are you kidding me?! Does this sound right to you, Mr. President?

I heard on the news this week that the CEO of Bank of America flew to Washington from North Carolina on a private jet. To run this jet costs $5,000 for one hour. Yes, five thousand dollars for one way. So one hour to and fro is $10,000. That is of what I owe in two hours. Can someone tell me why I should pay these, people? Oh, I know why, because if I don't, my credit will turn to crap. I will get harassing phone calls from Bank of America. It would look bad at my job. It would set a bad example for my two children and many more reasons.

I just don't get it. My husband and I are not in foreclosure. We have not filed bankruptcy. We have excellent credit but we feel that we are getting nowhere. What is finally going to happen for us? We are sure we are not the only American in this situation. I have been treated like gum on the bottom of that CEOs shoe! All the while, more and more banks, car companies and people who lived out of their means are standing in line to get my $6,000 in tax dollars that I don't have. Can you help me, sir? Can someone please help my family?

I explained to her this must have been an error because I sold my house on 1/20/09, I have never been late or missed a Bank of America credit card payment in the entire 10 years of holding the card, she looked at some things and said she was sorry there was nothing more she could do for me. She then transferred me to the credit department so someone higher up could speak with me. He said due to a foreclosure being reported on my credit report, I became a risk? And they therefore had to close my account.

$4,000 in a mortgage payment and utility bills is a lot harder to come up with than $197 a month Bank of America credit card payment first of all. Secondly, I had no notice of this about to happen by paper or phone call. Thirdly, I had never been late or missed a payment with Bank of America. I could see if I became delinquent with them, but they just shut down my account because they assumed I would become delinquent in my credit card account? What gives them the right to determine what I would do with my accounts? I am extremely upset about this as well as thinking this whole thing is just morally wrong. How in the world do they expect the mortgage crisis to get better if they take away what may be the only way people have a way to pay their mortgages until they find a job? Do they think the people that lost their jobs will never get another job and will never pay another bill in their life to regain valid credit status?

I then called CitiMortgage and asked them what it was listed as, and they said the foreclosure proceedings started 1/4/09 and we sold the house 1/20/09 so the error was being corrected with the credit bureaus immediately. I then called back Bank of American explaining all of this and a rep told me to fax the letter of sale from CitiMortgage to a fax number she gave me at the credit department at Bank of America so they could re-open my account. As I said before, I called this morning and my account has NOT been re-opened. I called back to see if they received my fax and the rep said it was a first come first serve basis, but they would call me as soon as they got to it. That was yesterday, I have yet to receive a call as of yet and I called the credit department twice this morning.

I will be closing ALL of my Bank of America accounts, credit card, checking, debit and any savings account I was thinking of opening and will be taking my business elsewhere. I am also going to let as many people who would be interested in this story know about what happened to me and why. Yes, I did a short sale and I did not foreclose, but what if I HAD foreclosed? Obviously if I did, which is what it’s listed as and I was told by several people in higher authority at Bank of America that it is why it happened. If I HAD foreclosed, my credit account would be closed, no notification, no lateness or missed payments - I find this appalling.

This strongly appears to be fraud. I never requested for the account to be closed; they closed my account for no specific reason. And they are keeping my money which is basically stealing. If they took the same action on 1,000 new accounts, they would secure thousands of dollars. This is obvious fraud and it needs to be made public and strongly addressed. I am lucky that I only deposited $25 in the checking account. The physical economic damages are unknown. It depends on how many people are actually reporting this activity. I am sure that Bank of America is engaging in this illegal behavior with numerous people. This situation strongly needs to be looked into because this is beyond fraud.

But that is not the worst of it. Because of the change that I was not notified of, my interest went up from 14.99% to 27.99%. The bank told me I could ask for a decrease in my interest in a year. This is not fair, but the bank said because the first statement that I printed said 0 amount due, they cannot help that I made a payment. I guess their CEO needs more of my money.

They then rejected the direct deposits (they did show up on account history) so they are in cyber space. They still have not released the funds to her. The initial deposited funds were cash, all cash. They have imposed a $60 fee and will not tell us what the fee is for. Now, my account has a fee. I have tried three times to get an answer and can't get one. I have never had a fee before (I have direct deposit and affiliated accounts that eliminates the fee), but now there is a fee. We were aware of a previous fraud on my daughter’s other bank account. Due to her having two jobs and lack of time, she did not file a complaint. She does however have the police reports. She just paid the accrued fees and no longer wanted to be with that bank and allowed the account to close. We believe ChexSystems still has the account showing as unpaid. I faxed the bank a letter (BOA) showing the account was paid. It did not matter. I had a copy of the actual money order. It did not matter. How can they get away with this?

Her inability to deal with the previous fraud is why I was added to this account. She is very busy with two jobs and trying to buy a house. We did later find out that it was in fact ChexSystems still reporting an account with unpaid fees (the issue we thought it was). The fees were paid immediately. However, this bank, National City, went into receivership or new owner or something. The damage is done. The direct deposits are missing. What can we do? Bank of America will not call us back or reply to faxes as to when they will release her funds. Note, I have copies of her credit reports. She has no unpaid credit cards, no collections, no judgments. In fact, she has a BOA credit card that is paid in full. All of her credit card accounts are paid in full. What can we do?

So, I went to the mall to get what I needed to get. Yesterday, I got a notification in the mail from Bank of America that they had taken $177.99 out of my account. I immediately went online to check my account and it is negative $296. They have charged me 7 overdraft fees because of the $177.99 they debited from my account that I was unaware of, even though I called and asked. All I want is my $245 back. They keep telling me that the fees charged were assessed correctly and Bank of America has every right to take that money. How can it be okay for them to take $245 in fees from me because of a debit I did not authorize and I was unaware of. I cannot pay my rent because they took all that money from me. It is not right.

I deposited a check on 2/7. A few days later, there were 4 overdraft fees subtracted from my account. I went to one of their locations and told the teller, who gave me a phone number for customer support, which claimed that my fees would be refunded. 5 days have passed and there now stand 6 (six) fees totaling $210. I must confess I am posting this story partially to vent so I don't do anything stupid or violent when I talk to them tomorrow. I am thoroughly confused as to how this is legal. If there were any justice here, BOA would be under criminal investigation. At any rate, I'm closing my account as soon as my next check clears (on 2/21, deposited 2/13) and will urge everyone I meet to cross the street to avoid this sorry excuse for a business.

We did talk to Rhonda **, the assistant to the district manager. After speaking with her, she did not return my calls for 3 weeks until I blocked my number when I called, she picked immediately. Maybe a coincidence but after 11 unanswered calls with my number visible and no answer, and one with the number blocked, it just seemed strange. This bank seems to be jerking me around because they think I will let it go if they wait long enough, but they are wrong. Thank you for your time.

I asked to speak to the manager. The manager of the bank told me that since I am not a BOA customer. They could cash the check as a courtesy to me as a non-customer but they would charge $6.00 for this service. Note that this was a BOA check written by a BOA customer. I told her that I would be happy if she could waive the $6 fee, but she refused my request twice. I argued that the bank had an obligation to honor the check at face value with no added fees. I was not going to pay the $6 (on an $80 check) and I was not going to open an account with a bank that just tried to force me to become a (reluctant) customer!

He said he couldn't answer that question but could only say that upon further research, it was determined to be high-risk and I would have to talk to the Risk Management Dept. but of course it was late on Friday this happened and Monday is President's Day. He said they would be sending me a check because they were closing my account. I was so shocked... I hadn't received a phone call, letter, email, etc. regarding this matter. I told him I just want to be able to go withdraw my money right now and he said that would not be possible.

So, I tried my online banking and I've been shut out of it and today, President's Day, I called the customer service line to check my balance and I kid you not, because I had to listen to it at least 5 times before I could believe what I was hearing. It said my account is overdrawn by $887,537.14. Yes... close to one million dollars.

The next day (02/12/2009), I handed over the check details to BOA assistant manager to remove the hold on my account. But they refused to do that and haven't taken any action. Then I asked them where my deposited amount is. They confirmed that it has been credited to my account, but due to the hold, they refused to release my amount. This is really ridiculous with BOA for behaving like a monarchy and trying to suck consumers’ blood. I need some legal help to sue BOA for irresponsive and crappy system. Due to this delay, I got really frustrated and got penalty for my 2-3 online payment. I am already in financial trouble due to this delay and paid unexpected penalty too.

Funny things have been happening throughout the past 12-18 months - little "mistakes", erroneous "fees" and increases in interest charges for no apparent reason. Usually, I've been able to show my branch manager where the incorrect/unfair charge has occurred, and he has agreed. Once or twice (in over twenty years) I have been in the wrong - like depositing an out-of-state check at 2:01 p.m. (oops) on a Friday and forgetting to wait the requisite 10 days (beginning the following Tuesday) for it to clear (thereby bouncing the paper boy's payment) - that sort of thing. But for the most part, we have been overwhelmingly good customers who've borrowed and paid off loans, credit cards, etc., without any issues at all. Lately it's been different - a constant nightmare that I can't seem to wake out of.

In December, my husband's direct deposit came through on the 10th; I transferred money to our line-of-credit that is attached to our checking & savings accounts - the exact same thing I've done every month. I sent out some bills on the same day, but I received two postcards two to three days later saying that those bills were paid, but caused an overdraft. How odd! We had more than enough money in our accounts to cover the bills. So I called the "customer service calling center" and they found the error. My transfer showed up as a withdrawal, the B of A rep. said. He reversed the ($245) fees, and I was pleased. The following month, in January, again my transfer did not show up. I always do the transfer on the phone, but this time I tried the ATM; the branch manager could not explain where my thousands of dollars had gone when I went to the ATM the following day to withdraw $20. "Aha!" he said, "There's just a bit of a lag,"... but again checks bounced - this time costing me hundreds of dollars and hours upon hours of time trying to straighten the whole mess out - with those I had sent checks to as well as with B of A. So now...

On February 10th, per usual, my husband's check went into our checking account which had a one hundred dollar balance before the deposit of several thousands. I transferred $3500 of it to line-of-credit, which had about $250 in that account before the transfer. The next day, I paid a few bills, bought a few small things (a book of stamps, a tank of gas, $30 at the grocery store) and one large phone payment to Bank of America for a credit card account we also have with them. Today, I got a postcard saying that all of those payments did not clear - but that they paid them as a "courtesy" to me and then charged me $35 for each payment. I called the "customer service" center and talked to five different people for hours who all spoke in double-talk, crazy, insane circles about contradictory banking rules - as far as I could see.

My husband, a stockbroker of thirty years who knows the ins & outs of the banking world, could not begin to untangle their twisted explanations. Not only did they outright lie, they were extremely condescending while doing so saying, "We reversed the charges as a courtesy to you last month, Ma'am but you did not make a transfer to your overdraft protection account. Ma'am, you made an authorized payment." My response: "So where's the payment? Why didn't you pay it?" Her answer: "It always takes at least two business days for a payment. It's just like any other payment." Since when is transferring funds between accounts at the same bank the same as mailing a payment to an outside creditor or utility? The patronizing, very fresh "customer service" rep (reps actually) argued with my husband and me - without any logic - for the better part of the afternoon. Then they insisted that my husband's payroll check is also not good for several days - (mind you, he works for a bank) - and that the bank-to-bank (electronic) transfer actually takes several days. Huh?

By the way, the $8.40 book of stamps I bought went through on the morning of the 10th when we had approximately $5000 in the account. They couldn't clear $8.40 for the most complicated, high-falutin' reasons I couldn't even begin to explain back to you! My husband just kept saying, "This is insane. This is insane...This is crazy!"

We all know what's going on in the banking industry, with Bank of America and CitiGroup in particular, and I must say that their preying on loyal customers is a feeble, mean, cheesy attempt at balancing their own overdrawn, over-greedy, over-nasty method of doing business. I am owed - at minimum - $150 in fees at this moment. Although I am certain more will be forthcoming. Since when can banks do whatever they want, whenever they want? They keep my own money from me, and then have the nerve to fine me for their larceny! It is larceny and I want this rotten bank and all of its rotten schemes exposed as soon as possible. And, by the way, just who are the customer rep robots? They are so awful and mean, mean, mean!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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