Bank of America Reviews

Days later I deposited a check into my checking to find that BOA had taken over $70 in fees. I called the bank and was told that every customer knows that you have 3 times to make transfers in your savings account--this is a federal law. Also, BOA gives you and extra 3, totaling 6 times to make transfers from your savings account before they start hitting you with fees. Wow!

Do you actually think that if I was told this or read the fine print (if there is fine print) that I would've freely given BOA my money? I am beyond frustrated and someone needs to launch an investigation with BOA. I am almost positive many people feel like me and I owed plenty of money. I am a single parent and I can not afford to make BOA a priority over my children. Economic damage was bank fees for not reading the fine print.

Over the limit charge and had my credit cards closed for to much debt.

Bottom line is, the transactions were never processed and were still pending as of 7/30. The agent explained that letters were sent out by the bank to inform customers. What difference does that make? I don't believe what they are doing is legal or is an ethical business practice. How can I manage my account? Additionally, I knew our account was very low and had checked it several times that day. I had asked my husband not to use the ATM card for anything until my paycheck deposited on Wednesday. The last time I checked it, INCLUDING pending transactions, there were a balance of over $10.

Even so, the bank website itself shows our balance above zero. How can we be charged $70 for overdraft fees if the bank has not yet paid on that transaction? Something is not right with that. Unfortunately, I do not have any screen prints from 7.29 but I do have screen prints now showing a positive balance on that day.

Economic damage is that we have been unfairly charged $70 when we still had a positive balance in our checking account.

Other than the hastle of changing banks, I wasted many hours trying to resolve the issue. It is also possible that they offered a high rate CD and realized it was a mistake, so they found a reason to not issue a CD, because the higher rate is no longer available.

I will be pulling my account with them shortly! I have been with BOA since United Jersey...then summit. Since the early 90's. Almost two decades. And this is how I'm treated? Needless to say, I have called the OCC and am waiting for papers to file an official complaint and an investigation will be done.

I really rather not mention the headaches this has caused... in having to straighten out NSF fees as they seem to be popular in doing.. Bottom line.. Something fishy is going on at BOA.. so let's all file an official complaint and show them we, as long time consumers, will no longer tolerate their misappropriation of our funds.

it is now JULY 29TH and the money still has not been deposited into my account! ITS BEEN OVER A MONTH!!! i am a very good customer i've been dealing with this bank since it opened my credit rating is 817 OUT OF 850 PLEASE SOMEBODY EXPLAIN TO ME WHY IT HAS TAKIN OVER A MONTH TO GET A LOAN? I am so angry i can't sleep, if this is the way Wachovia treats its excellant customers how are those others treated with bad credit?

i would like someone up the Wachovia banking ladder to read this and to have an impact on future transactions, this is absolutly embarrassing. A MONTH TO GET A LOAN C'MON. One more thing! i was charged $116.00 for title search,and a couple of other charges that were added , these fees were paid when i did the firstloan and Wachovia has the title so why am i being charged for a title search?

I had paid $2000.00 of that transaction and my payment was down to $80.00 a month even though I consistently paid $110.00 per month. With the increase my payment went to $191.00 month with $122.00 being the interest. They should not be allowed to arbitrarily change contracts without active agreement with consumers. Not the backdoor options they use. I could understand it better if after they initiated the increase if we had used the card then apply the new terms but not on existing balances.

Our payment history and credit rating is very good. My husband's is exemplary yet they still did this. They even cheated us out of part of the overpayment claiming finance charges which I had them apply to two days after payoff date so there would be no issues.

We are on a fixed income as we are retired. The increase was not doable so we used our savings to pay off the account and now we have nothing backing us up in case of medical or any other kind of emergency. Vehicle breakdowns etc. Now we stay home because we cannot risk an unforeseeable expense. I will NOT be getting my eyes checked any time soon which is well overdue. I have cut back on my medication. What little we have after bills and mortgage payment we are trying to put back to build up a savings again. They took over another $120 a month from our food/gas/medical budget. It is just plain wrong!!

Now the next day 26th I called to check and make sure that my deposit $1826 out of the initial $2225 was still being mailed off on the 30th as they claim. they said it has all ready been processed so it will go out with the batch of checks on the 30th. (BTW I also asked them could they just deposit it with the $180 and they said no cause it was processed! Now on the 26th I checked my account just to check it and i saw a deposit processing of $1826. WHAT? They told me it couldnt be deposited. so another lie that wachovia told but I couldnt complain cause I have my money early.

Now its the 27th and I checked my account and now it says a balance of $1646. now im HIGHLY [upset]. i called wachovia and the rep said they she saw a debit of $180 that the recovery department took out. their suppose to deposit $180 into my account not take it out! So now i have to wait til tomorrow to speak to the recovery department. NOW WHAT IM SO HOT ABOUT IS they lied and told me that they couldnt deposit my $1826 into my account because iT was processed and gettn mailed out on the 30th. NOW THEY was suppose to DEPOSIT my $1826 BECAUSE THEY WANTED TO TAKE OUT THE $180 in which they was suppose to give back to me which they promised. WHEN WACHOVIA WANT TO TAKE YOUR MONEY THEY CAN MAKE IT HAPPEN WITHIN THE DAY. But when they owe you money you have to jump through hoops to get it back.

I live paycheck to paycheck trying to make ends meet. That $140.00 was for my electric and groceries for the week. Now my electric will be late and I have to borrow money to eat.

I jsut gave up. I rec'd a letter in the mail 3 days later telling me that my account will be close and that i will no longer be welcome at any wachovia banks which i said was fine, my payroll was deposited there on July 25 when i went to take the miney out my card was decline, they have cx my card without telling me I had to wait until i get money to get gas to get to work. because i ran out of gas. How can they get away with that? Treating people that way is wrong. i think I was treated that way because I was black. I would have nerver be treated that way.

I was told that with paper checks they are paid when presented and I am obligated to have the money in my account. Further they told me that when I schedule the payment that I can see that it is a paper check and that it could be paid at any time. I have been unable to reproduce these circumstances on the Wachovia bill pay web site- they always show payments from Wachovia to Chase as electronic and they note that it will be paid on the pay date I indicate. They tell me that they are not bound by the dtae on the check which was July 25th - if it is presented earlier then they must honor it.

I pointed out that I have inadvertantly taken both personal and merchant checks to Wachovia branches before the date on the check and had them refused. They denied that this was a bank policy, saying that the law in North Carolina required them to accept any check when it was presented. I find it very unlikely that Wachovia would deal with Chase via a paper check (two prior payments from through Wachovia bill pay to Cahse have been electronic debits on the specified date) and in any case I can't imagine that the US mail and the banking system is fast enough to cut the check, mail it, have it get to Arizona, have it received and processed and sent back to Wachovia within 24 hours.

I do have a copy of the check which makes it all the more mysterious although I can't read the deposit info on the back. Also very strange, when I send a personal check to a bank to pay a bill or credit card I have encountered late fees for checks sent 10 days in advance of the due date - blaming the mail and time required for internal processing. Go figure.

What was also very distressing from a customer service standpont is that the farther I tried to go up the line to get an explanation, the more intransient and unhelpful they became. At one point I was told that I had intentionally overdrawn my account, attempted to float a check in violation of the law and then expected help from Wachovia.

Still seeing how many fees I rack up on this. It appears they debited the big Chase check prior to other transactions even though these transactions occurred before the Chase check was presented. I am also without use of my debit card until tomorrow, messing up some vacation plans. I was told very cavalierly that if I used the card I would be hit with additional fees. So far Wachovia has agreed to refund one $44 fee. I'm wondering if that has anything to do with the fact that I have a large brokerage account with AG Edwards which is now Wachovia as well as other checking and savings account.

Well on 7/22 Allstate hit my Account for my car insurance payment of 246.00. So that results in a 46.00 overdraft and what you would think is one 30.00 fee. No wachovia takes the money designated for the pending holds last week to pay the 246.00 debit. Then proceeds to charge me for 7 Overdraft Fees for the Txn's dated lastweek. Per Wachovia: It is our policy to pay largest debit to smallest debit I said ok that would ring true based on the payment dates but you took money that was already placed on hold for txns a week ago and paid a debit today because it was bigger.

This is truely an unfair business practice used to add more fees and generate more revenue for the bank. The best part is they call this a Courtesy to our acct holders. Well this courtesy just cost me 280.00. Instead of one 30.00 overdraft Wachovia switched it up behind the scenes and charged me 280.00 for 7 over drafts.

It takes them 2 seconds to take money out of my account but take over a week to send me my money! Then I asked about the money I was told that they would send me back since they lied about the settlement THEY offered me..NOW im being told it was rejected..TWO DAYS after they they said they took it out of my account but instead took the full amount! I KNEW they wouldnt live up to their word! Since Monday I've spent at least 3 hours of talk time a day dealing with these people.

NO MONEY! STRESS!

I called today to solve the issue because I just noticed the overdraft while balancing my checkbook. When I disputed the 175.00 fee a customer service rep transferred me to a support analyst, Katherine Hunh, but she only offered a 18.00 refund, I told her that was not acceptable. She said that more often than not the bank system does not show when automated payments post until after they have posted, which causes confusion, but there is nothing they can do about it. She was very rude about the whole issue. When I asked her to transfer me to someone who could help she disconnected my call.

I called again and was again transferred to a support analyst, Brad Vandiver, and he spoke to her about my account and told me that 18.00 was all I could get for the 175.00, when I told him I needed to dispute the matter he gave me this address: Office of the President PO BOX 563966 Charlotte NC 28256-3966 Did not even give a name of a person, and said they had no supervisor available. Furthermore, he said if I called again they would close my account for harassment.

I am a customer calling for customer service, which they did not provide, and I got threatened with my account getting closed if I tried to seek further customer service. I now plan to present a former complaint against these individuals, and continue disputing the 175.00 overdraft.

That night on the 21st I called online services to get into my online account and they reset it and I got into my account and I saw my deposit processing. On the 22nd I called to check to see if everything was ok..(now on the 22nd I called wachovia at least 4 times to check to make sure things was in order) the rep. told me that they saw that the $269 settlement was taken and the account was active but not open. She told me to wait til midnight for the system to update and my account will be open. I was also told that they set up a express delivery for my card to be sent to me...which I was suppose to pay for and they didnt tell me.

So its the 23rd this morning and I tried to get into my account online and it said I dont have access..so I called wachovia customer service starting at 7:30 this morning..they told me that my account was closed and they didn't see anything about a payment and they mailed my deposit off this morning..now im ****** and like WHAT? So I had to wait til 9 to talk to recovery so I did...I was told that the account was closed and they sent the check in the mail..and im like why? THEN..instead of taking the $269 settlement..they took the entire $449..so you know I deeply questioned them about it..they told me that they didnt see anything about a settlement so they took the money and mailed it off.

So I called back again and was told the same thing..no settlement is on file.and the lady told me I would have to go to a local wachovia and ask them if I can open another account! I dont want an account anymore..wachovia lied! So finally I got with someone that kept their word..I spoke to a customer service rep. and she looked into the account and said it was close..but she did say I DO SEE A SETTLEMENT MADE FOR $269 on the 21st..so she put me on with someone in recovery..and the lady i spoke with in recovery said they deleted my account off the system..so she did some diggn and found it. She said she see that i was offered a settlement and said IF WACHOVIA OFFERED AND AGREED TO A SETTLEMENT..THEY SHOULD OWN UP TO IT...so she put a request to mail me the difference.

I HAVE no problem payn them back..they offered the settlement and we agreed..I was [upset] cause they was lying saying that there's no record of a settlement being made..now I just have to wait to see if they will send me the difference. I was expecting my money when they told me i would get it cause I needed to pay bills and go to FL to move my furniture out of storage..Dealing with wachovia and being stressed..I couldnt go to school yesterday night. It was very frustrating calling them numberous of times and getting different answers and lies.

I signed up for a savings account and also the Keep the Change fund. Sometimes the change coming out of my account will be two to three dollars sometimes it will actually be the change. So why are there such differences? I had also signed up for overdraft protection. The bank manager in my area had suggested that I transfer 25.00 from my checking to my savings at the first of each month. He told me to try it out. So I tried it out and I wasn't thrilled with it only because the first of the month is financially difficult for me and $25.00 can either make me or break me.

I called the 1800 number and spoke with someone and told them that I either wanted to change the date-which I could not or I wanted to cancel. She informed me that I would have to keep a daily balance of over $100 or else I would incur fees. She said basically the auto-transfer was protecting me from the fees. I was furious. I asked her why I had not been informed of this and was told to try it out? She said sorry but was condescending and rude as 98% of Bank of America customer service reps are. Bank of America also allows customers to use their bank cards even when they have a negative balance so as to rack up all of those overdraft fees. BoA is awful.

When I lived in Kentucky I delt with a local bank. I was never in the red nor did I have all these ridiculous fees. As soon as I am able to open an account at a local bank and transfer my bill pay and accounts to it, I will promptly close my BoA accounts. I am worried though, I have heard that even when people close accounts, they recieve fees with little explanation.

In the two years that I have been a customer with Bank of America I have paid over $1400 in fees. Many of them I have contested for being double fees on one transaction or for putting my payroll check on hold. Just for examples. My family and I live pay check to pay check. My husband and I are both students. When I'm hit with five or six overdraft fees, that's food that is taken away from my kids.

I went home and called customer service and they told me to take it up with the bank itself, they had the ability to fix it. Now where am I? Waiting for a response (I'm told don't worry the money is available on the 29th) and not able to pay bills. I e-mailed the corporate office and have had no reply. They tell me they have a right to make a judgement call with my money since it's in their bank. WOW!

I'm sitting here with a $1000.00 bill due today (22nd) unable to pay it, unable to get food and gas and no money until Thursday (24th) yet I have $2000.00 sitting unavailable.

After battling for 20mins to get some answers she still refused to tell me! She said my accounts would be closed out as of 8/1/08 and I will get my money in a cashier's check along with a letter. I went to the Windy Hill, Smyrna Bank of America Branch and spoke to Jose Argumento on Fri 7/18 around 2pm e/t and again he could not give me answer as to why my account was on hold. Again I spoke to Derry in Risk Closure and still refused to tell me what the situation was.

My accounts were current and not overwithdrawn. I have not wrote any bad checks. The last check i wrote was to my car insurance company in March 08 and that cleared. I don't understand it. I have been inconvienced, I had no money for gas, food or other necessities for the entire weekend. I had to leave my job early on Fri 7/18 and loose 4hours of work. I hope that my complaint will be reviewed and I can gain some justification.

I have been inconvienced, No money for gas, food, etc. I had to miss 4hrs of work on Fri 7/18 in attempt to correct the situation.

I explained to them that I checked my account balance online on the 17, before midnight, AND after midnight, and no gas purchase for that amount was showing, neither had payment for that amount been deducted from my available balance and placed on hold on the 16 (when the purchase was made) OR the 17! The rep said that the purchase was showing as posting on the 17, so I argued that if that was true, that if the gas purchase POSTED on the 17, why did it not show on my account and why was it not deducted from my available balance on that date (I had to remind that this was a debit card transaction and not a credit card transaction)and that before an amount posts, it is deducted from the available balance and can be seen on the account on hold (if it actually posts).

I then told the rep that the bank knowingly listed that transaction as posting on the 17 when it actually posted on the 18, and labeled it as a previous day's transaction so they could collect the fee, even in spite of the fact that my direct deposit was available well before 2 am on the 18! Needless to say, this SHAM of a bank steals funds by withholding purchases from posting on their TRUE dates, and then posts these transactions for previous, false dates, but well in advance of direct deposits. They also hold purchases made with debit cards when a pin number is not used in the same manner, and then post the purchase to the account when they see they are able to generate the cash-flow from fees charged.

When they did this a few days before this second over-draft fee scam against my account, I went to another bank and opened another account! (I have now closed ALL my Wachovia accounts). The total amount of money Wachovia stole from my account as a result of their account practices was $60.00 and would have been more had I not removed my monies from their bank and cut up the debit cards I HAD.

what should I do because I took the loan under the understanding that could remodify this loan to a fixed rate after a year. I don't want to keep the loan at a flexible rate. I don't feel comfortable with the flexible rate. They want me to refinance all over again. Please help.

I do not feel comfortable with a flexible rate mortgate. I want to modify and turn the loan as they promise so I don't have to refinance again modify the loan to a fixed rate. before the year is over.

I do not feel comfortable with a flexible rate mortgate. I want to modify and turn the loan as they promise so I don't have to refinance again modify the loan to a fixed rate. before the year is over.

I have been told unauthorized use of someones social security number to open accounts without their permission or knowledge is fraud. the credit card company will no longer talk to me and have requested any other business on this matter be done in writing. The manager at the bank the checking accounts were opened in has on 3 different occasions made the credit card company aware of the error but they refuse to correct it. Not only did they add me but they made me the primary on the account. I have had many cards in my life and have alot of credit all good, They have illegally used my name and social to enter me into a contract without my knowledge or approval and refuse to let me out, this is absolutely rediculious and criminal.

because the card has a balance this has impacted my credit score , now my brothers getting alittle behind and they are going to send negative reports on my credit file on this account.

Then I called again, this time , a new rep answered the call and she did not mention the transation fee. My understanding was no panelty as The amount in the CD plus the amount tranfer = total amount. I said OK to the transfer after confirming the CD amount Plus as the transfer amount=total amount. However, a few hours later, I found out $1386.00 was deducted as interest penalty.

After multiple calls, Wachvia refuses to refund my money. They insisted that the info package was sent to me when I firstly opened the CD in February indicating the penalty although the rep did not give me the right info. However, I asked for the info which included in the package, no one sent it to me. Further, I asked for the definitonn of grace period, each person gave me a diff expalnation to show that I am not covverred within grace period. I asked for the definition in a written document, no one can show it to me.

$1386.00

Missing $1,000 from my account due to bank error.

In Multiple email inquiries BA said that I could not contest pending charges but wait until they posted, then complain and my account would be frozen pending investigation. The spurious overdraft blocked my access to my own money prior to an international trip. AND it also generated 2 separate $35 overdraft charges. The unathorized charges were never posted but the overdraft charges were and they stole $70 from me (this time) and are very rude and unhelpful when I try to complain about it. This is the latest example of a routine business practice by BA

They are costing me on average not less that $100/month in charges, Fees, spurious random unauthorized charges

When I called customer service to question these charges I was told that any deposits made after 4pm do not show until the next day. If this is the case, then shouldn't the ATM not show that deposit in my available balance? Also, even without the $60 deposit I should have had enought money in my account to cover the other 2 overdraft fees. I spoke with an account analyst (who was VERY rude) and was told that there was nothing that he could do about the $70 charge that was made, that he could only assist me with the most recent fee. After explaining my situation to him, he continued to insist that there was nothing he could do.

After all the good press that Wachovia receives about being the #1 bank for customer service, and this is how I'm treated? You have GOT to be kidding me! I have never been so confused and furious at the same time. I will be going to the bank ASAP and closing my account with them!

They took my money!

he transactions show they tried to take money from savings which had $0 so to cover the -$0.87 and charged me $35 for trying to take it out and not having the money and then another $10 for the transaction fee. So, by the time the $200 was deposited I was negative -$10.87. Once money was deposited I guess they decided to take 5 x $35 fee, clearing a few transactions (all under $20) and now today, charging me over $300 total and my account balance being -$147 with still 6 transactions pending. I added up all my debit transactions and they don't even total $100 dollars.

So, Bofa has ripped me off again. I am closing my account and leaving it negative. I really believe they have people monitoring and changing transactions because at every 2 hours of the day and/or by the next day, the transactions are completely different. I only make $9 an hour and work part time. Of course customer service tells me it's not a Bank Error. SInce when do you get charged fee's first, make you negative and then have all your transactions bounce and get charged more fees? Especially fees form the bank trying to transfer money from my savings when they can clearly see I had no money in it. This is fraud and I'm not sure how they are continuously able to get away with it.

On 7/14 when my grandfather deposited the $200 I was stranded at work with a negative balance of -$25+. By the time I tried to withdraw (when I got a ride)I was -$27 and $200 had been used for the fees. My mother had to Western Union me some money. Today, after not having used my card because I was negative-$27 I am -$147+. That means the $100 my mom direct deposits into my accuont will go to fees and still they show transaction from 7/13 as pending so they can charge me more.

When I demanded I wanted to speak with a manager, she said if you want to, fine, but you have to be on hold for 30 minutes! When I called back and talked to Ron Redford and asked him to close my account and told him what happened, he did not offer any apologies either. He said he can close my account immediately and send me a check, but no manager will call me back after I close the account because I am no longer their customer. Worst customer service ever! I will make sure all my scheduled bills are paid, this is reported to the Consumer Affairs and then close my account.

I work two jobs in the effort to get out of debt and here is a bank who professes themself to be a peoples bank, who is putting countless of people in debt. I demanded for Bank of America to close my two accounts and they refuse. I am very concerned of what other fees they will try to apply while I am trying to gather the money to pay the current incorrect NSF fees that they have applied. I am totally disgusted with this institution.

It took 11 days for me to receive the mailing. Now, let me tell you, the post office in San Antonio has to be staffed by snails. I hurried and mailed the double payment in on the 27th, the same day I received the statement. Two weeks later, I called to make sure the payment was recived and posted and I was assured it was.

Today, the 15th, I received a NOTICE OF INTENT TO FORECLOSE. I called to find out what was going on. The CS rep told me my account was fine, it was up-to-date. I asked about the NOTICE I just received. She said that was mailed out on the 5th, the payment (that I mailed at the post office on the 27th) was not posted until the 7th (that is 11 days later). I asked her what took so long for the check to be posted, she said that's why they don't like dealing with the mail!!!!!!!!!!!!!!!! AND she said that the monthly statement is a COURTESY, that they don't have to send me one - I should know when my payment is due and make sure it's on time without any notice from them.

So, now I'm thinking, HUH? I asked to speak to the manager. I was on hold for FIFTEEN MINTUES, of course, I could hear attitude in the manager's voice right off the bat. They charge a $10 or $15 fee for phone payments. I refuse to pay them that fee. I can't believe the dirty, underhanded manner in which they are trying to get this fee from me. I know I can't be the only one still mailing in a check for mortgage payments. I know I'm not paranoid, this is DEFINTELY intentional on their part. The CS reps are snotty about it too.

They charged me a late fee. I have not checked yet, but if they dinged my credit, I will sue the pants off them.

I will never ever bank with them again! I don't have 282 dollars to throw way to the bank who refused to do anything for me. Also they charge you for using your account & Not using it seriously why would u charge me for not using my account? I will make sure i let everyone know not to bank with them! their over draft system is ridiculous!

monday night late really early tuesday morning i called around 1am to see my balance which said 175.00. Tuesday July 8 i go to grocery store and my card is declined i was confused drove straigt to branch and was informed a car payment which had not gone through last week had coem back through the bank bouned EVERYTHING i had purchased from thursday on to clear a car payment making me negative 600.00

i am still unable to understand how in the world it is legeal to charge someone fees for things that had cleared. then they refuse to close account take my entire payroll ck to cover charges and i am still neg. there should be a limit on fees guarantee this wouldnt of happened and if there rule is so true whywas my car payment not paid first time i would think it is because there wasnt fees to gain

So I called and they could find no account with my Social Security number on it and not one with my husband's on it so we are not customers and they will not tell us anything. I spent the whole day talking to different people who said this to me and dealing with the other people who assured that it was the other bank's problem and I should deal with them. Run around from everyone. Bank of America has $2400 of my money and will not tell me where it is and how I can get it back.

I went to the doctor today because my blood pressure is way too high because of this. I want my $2400 back and I want to know how they got my money in the first place.

He was in a positive balance on the 8th, 3 transaction hit his account, but he was still in a positive balance, but since they were from the 6th, and he was negative on the 6th he was hit with more nsf fees. They don't go by the balance of the day it hit, they go by the balance of the day of the transaction, even if the item falls off for a couple of days showing your in a positive balance and then reappears and your still in a positive balance you will still be charged. The notice states their rules have changed, but it does not state that they go by the balance of the date of the actual transaction and not by the current balance of the day the transaction actually hits. Is this legal?

Was hit with over 300.00 in nsf fees, even though he was in a positive balance when the items hit.

Both banks insist that it is the other bank's problem. Bank of America refuses to give my bank any information because they are not the customer and they refuse me any information because they do not have an account for me.

Bank of America has $2,400 of mine and I want it back. There is also tons of emotional stress and upset and wasted time around the issue.

I was charged $70 for something the Wachovia rep said wasn't my fault.

How can a stopped payment, then NFS three times then emails telephone calls which transfer you to the wrong departments still gets processed after you deposited money in your account 10 days later. I have written check against that money which now bank of america is not processing including the rent. This is not the first time I have had problems like this with them.

can not cover bills, plus the $35 per items which is up to $260 will increase

Can not pick up my medications. I am disabled and on medicaid, harm will come to me as a result of no scripts.

I called once I figured out what was going on and the bank did, after yelling long enough, reinstate all the fees and the original 140USD. That said, they did not change their system to reflect that our account HAD NOT been in a negative status for those two weeks. A few weeks later, my wife had appx 10000 deposited into our account drawn on a PAYNE WEBER account... the same account she gets appx 10000 deposited to her in that account every month of her life... as it is held in trust for her. Being totally broke and badly needing the money, my wife walked into to sort it all out and make sure we could have access to our money. They told her that they had to hold the money for a 14 days, until 7/08/08 because our account had been negative for so many days and they had to verify the check. AGAIN... they get the same check every month, and our account as seen over 200,000 in deposits from Payne this year ALONE. After all was said and done, they would not release any money.

A week later, another 5,000 deposit was made, followed by ANOTHER 5000 deposit a few hours later that same day at the branch... wire transfer from our Payne account in Virginia. Now, that makes a total of 20,000USD we deposited in the bank within a week! The branch manage assured her she would have access to at least 5000. That night, July 3, we used the bank card for about a 100USD for gas and such. This morning, I wake up, ready to buy food and related items for a bbq for the holiday and come to find, the available balance for only 14 bucks. Imagine that... 20,000 in deposits (all good and verified...).

Apparently, from what they told us, someone at the processing center put a hold on the money again... and nothing could be done for us. Now, just think about it, we have 20000USD sitting in an account... are absolutely broke... and they wont let us use our money!

I checked my account balance today and found that Wachovia had made a payment to my insurance agent on their own and had billed me a NSF of $35. Now I have had to cancel our Holiday trip to SC to meet with fellow club members and I'm in the red with the bank. Is no one doing anything about this bank and their playing fast and loose with overdraft fees? Where can I go to report this and get some action from the Government?

I've incurred a negitive balance, an unwarranted NSF, and have had to cancel a holiday trip with my wife because the little bit of money that should of been in my account was to cover a portion of our gasoline expense on the trip.

Unable to pay my mortgage, unable to buy diapers and food for my disabled boys, unable to pay for their speech, occupational and physical therapy. May lose home now that the bank has taken almost $1,000 of my money. There needs to be an investigation of this company.I made a huge mistake putting my trust and money at this financial institution.

This resulted in Bank of America to withhold my check when funds were due to go through and pretty much said when I called the 1-800 number that night, that I only had certain funds available. If I did know this, I would not have ended up making the necessary financial decisions that I needed to do, seeing as though I figured there would not be a hold on a government issued stimulus check.

This resulted in having 4 overdraft fees of $35 a piece. I believe this is ridiculous for this bank to charge fees whenever they can. I work very hard for my money and not for the bank to charge $35 for every charge at will.

what they did after setting me up, they went on and cleaned up my saving account which already had my rent money i ended up paying for late fees on my rent. HOW CAN A BANK U TRUST TO ASSIST U EVEN AFTER U MAKE EFFORTS TO PAY STAB U IN THE BACK?

Other than the headaches of dealing with this, $5000+ of our cash (rent money) is no longer available to us. The letter stated that the funds will be sent out to me via mail. No time frame was given. Rent check and utility bill checks were bounced because of this (even though we had deposited cash into the account). This is absolutely ridiculous. One of the biggest banks in the county is run like a scam!

No results really as of yet. Called customer service this morning and all they were able to refund was $105. I've left a message for the Regional Manager after the Branch manager told me that was the max they are allowed to refund a customer for NSF fees in a year. Also left a complaint on the BBB website, emailed 94 of my contacts and sent the info over to the 3 major local news stations for their public defenders/investigators to check into as well.

On 06/28/08, not having received a check, I called in again. A person named David said the account was closed on 6/20/08 but could not tell when the check was mailed out. He was to call me 06/30/08 and let me know when the check was mailed. I asked him to leave a message if I was not there. He called when I was not home, but left no message.

Today, (06/30) I received the check and I find that the check was not made out until 6/26 and was mailed out on 06/27. This was an account that held $59,752.56 I want interest for 06/20/08 to 06/27/08. Loss of interest from when the account was closed and when they made out the check was about $44. I purchased other CDs today . Not at Wachovia (never at Wachovia)

For inquiring to waive the excess fees (couple of thousand dollars), we were asked to close the account and eventually we did. We feel this Bank and several others like BOA neither has conscience, corporate responsibility and least any compassion.

We were not overdrawn because of what we bought but we were overdrawn from the holds on our account which then showed us as being in the negative. We could not stop the direct deposits because we showed as being overdrawn because they bounced our house payment not due to lack of money but because of their holds on gas atms at the pumps. The bank told us the gas stations put the holds on our account this was a flat out lie.

When I kept contesting these charges they would credit me the fees and then recharge me the next day plus charge me another $30 fee for continuing being nsf. I made a house payment in cash so it would not be late or bounced or charged extra fees on a friday before they closed at 6 with a receipt dated that day and they still charged me a late fee because the banks main headquarters is in a different time zone.

My complaints to the bank has gone no where. It took 2 months of this abuse from Wachovia before we could finally have our direct deposit go to another bank. They charged us over $1200 in bank fees, late fees and nsf in 10 weeks. We are still running one month behind on our home loan which has totally wrecked our credit rating so we can't refinance to move our loan to a different lender. I called their home location and asked for a copy of fees they charge concerning holding back extra money from your checking account when using my atm card, and was told by 3 different bank employees that the notice is posted in every single Wachovia bank. I went to three different branches and not one of Wachovia banks has it posted or where you can find a fee schedule for this fee.

In other words this fee is not listed or posted at any bank or web site. I still have my free checking account with a balance of $13.00, and maybe I will make a deposit of .25 cents in the next month or perhaps a withdraw of .10 cents. I plan to do this until the day I die, deposit and withdraw .90 cents a year.

The economic damage has put us so far behind on bills we owe and damaged our credit rating from high 600's to a low 4 to 500. I have not been able to pay any credit cards, have borrowed and owe money to our family and friends cannot write checks anywhere that uses Global or telecheck for approval and we have only been able to make interest only payments on our house, the list keeps going on and on.

This Wachovia nightmare has cost us in the final accounting much more than money, it has cost us self respect, our retirement for at least the next 5 years. With the prospect of paying high interest on anything we purchase for many years to come.

Monday morning comes, I call BOA at 8:15 to resolve the issue. I was on hold until 9:45 until I hung up the phone and decided to go to the bank in person. I went to the bank where they in turn actually called the same number that I did and said I had to call Chexsystems to resolve the issue. I used the phone at the bank and called chexsystems. They told me i had to file a request for the report and it would take 5-7 business days for the report to come through the mail. I STILL HAVE NO MONEY... and the account balance is about $4500.00

So at this point the only thing i could think of is that Citicenz bank had somthing to do with this, because i still have NO information from Bank of america. Did I mention that my paycheck was directly deposited into the bank this morning. Insisting that bank of america release my funds, and they didn't. Finally I came home and called bank of america. They at least told me that the report was from Citicenz bank and a check from BOA will be mailed to us on the 15th of july. GREAT- So how do I go about my daily life until the 15th?

have no access to money for food, gas, diapers, bills and paying my mortgage on time

i'm fairly certain that no matter how long it is in the pending process they cannot change the date it was made on. the last three were just outrageous & they pulled up charges the same way. i will be stopping into the bank to show them proof that i placed those charges on different days in hopes to get my money back.

i lost $185.00 through their shady dealings, & subsequently cannot pay for my medications for a herniated disc in my back & for general needs. i make minimum wage, work three days a week, & they are robbing me of all my money.

I also had a situation where made a cash deposit at the atm and the atm malfunctioned. I called customer service and they made a credit to my account and after the so called investigation they took the money back. I made several attempt to make my case but I constantly got the run around. I asked for security video to show that I made the deposit but no one wanted to help. Basically they were saying it was just my lost..too bad.

In any respect, I find this practice unconscionable and outside the bounds of the credit card agreement executed between the consumer and Bank of America. I am put in position to pay usury interest rates on a credit card on which I pay the entire balance via US mail within 24 hours of my receipt of their statement.

I never chose to be a Wachovia customer. My previous employer did that for me when they transfered our 401K accounts to these slime balls.

When I changed employers, I wanted to roll my money over to an existing IRA at another institution.

So I waited until that office was open again, called in, requested the roll over. They refused, telling me the account could only be closed via a "distribution" directly to me with a check made out in the other institution's exact legal name. Did I have the exact legal name of the institution? I was told that if the check was made out to anything other than the exact legal name of the institution, per the other institution's instructions, the check would be rejected.

So I contacted the other institution, which provided the magic name, but not before the Distribution Office had closed.

So I waited until that office was open again, called in, requested the distribution. This was 2 June.

Called in during the tiny office hours. The check had been mailed 6 June, they said. This was 18 June. I was advised that no action could be taken until 10 business days had passed since the issuance of the check. The way they count business days, that meant 24 June.

At that point, if I still had not received the check, I could request that payment on that check be cancelled and another check issued. So, the 24th comes. I request the stop payment and the new check.

25 June, they fax me the form. It has to be signed and notarized. Then you can fax it back, but if the seal isn't legible, they can reject it. Or you can mail it in.

There are a few problems with this scenario: In five plus years at my current address, I have exactly one (1) delivery problem, and that was with United Parcel Service, not the U. S. Postal Service. So it's unlikely a check was ever cut, much less "lost in the mail." The notarization requirement protects no-one from anything, but it does let Wachovia continue to hold the money without having to pay interest on it for another two weeks. Or more.

First thing this morning, 6/24/2008, I checked our account online to verify the funds were available as expected. To my dismay, not only was there no indication of a deposit ever being made, but my account is now overdrawn incurring $44 in unavailable funds fees. The check that I had deposited the previous day should have been available, which would have prevented this overdraft from occurring. I called Wachovia and explained the situation. I was informed by the phone representative that she agrees with me, and I should get refunded the full amount. She then transferred me to another representative.

The new phone representative informed me that she sees no record of my deposit, and it should show up at 12:00 AM on 6/25/2008. I informed her that my deposit slip indicates that the funds should be available today, not tomorrow. I was then placed on hold, so that she could contact the local branch for verification. I was informed that the branch manager could not find any record of my deposit, and could not remove my overdraft record or refund the fees incurred. It sounded to me that I was being told by my trusted financial institution that my deposit had disappeared, and may turn up the next day. The phone representative then became very defensive, and insulted me by telling me that I charged too much on my card, and then made a deposit to try and fix it.

I did not spend more than I had; the bank just screwed me over. I told the phone rep that if the funds are not available until after midnight, then it would be the 25th, not the 24th as I have been informed and have in writing. She then told me that I am entitled to my opinion. OPINION? That is a statement of fact! I can't believe the hassle I am having to deal with. I have been a Wachovia customer for over 3 years. I have never been overdrawn, and my account has been in good standing since day 1. I use direct deposit (for me, wife receives a paper check), and I have never made a complaint before today or requested a refund for any fees. I can't believe the bank won't support me in any way after trusting them with my finances for years in good standing.

I plan to refinance my house this summer. With lenders already tightening up, what kind of interest rate am I going to get with a recent overdraft on my bank account? This is not acceptable. This is not the first time I have been unhappy with Wachovia, but it is my first complaint. Now that I no longer trust Wachovia, I have to go through the hassle of opening a new account with a different bank and notifying all my direct debits of the new information. My direct deposit will take a couple of pay periods to update. I am extremely dissatisfied with Wachovia and will make sure as many people know about this as possible for their own protection.

I was deceived by my bank, charged fees as a direct result of this fraud, and then doomed to higher interest rates because of the overdraft record in an already faltering economy.

When I went to the bank with my online banking print out to ask why they took money when there was enough to cover the items, she said that they had added up the items while they were being held and charged a NSF and then when they actually came out, they charged overdraft fees! I was charged tripple fees because they took money out for the same thing 3 times, at $70.00 for two, and $105.00. The lady offered no customer service, she just stated that is what they do. I closed my account.

They will only refund 10% of the $105. I told them that I am not accepting this deal and that they are in the wrong. Actually almost fraudalent! How can they switch my transactions to make it seem that I am in the negative. What kind of game is this? In the last few months, Wachovia has been backing out my deposits for a day and applying debits first. Even though the online service that day says the money is available, next day it's processing. How can they get away with this?

Consequences...I have lost at least $35.00-$105.00 a month to Wachovia and their 3-card Monty bank services. As a Realtor within a slumping housing market, I need every dime I have!

I had plenty of money in my savings account and credit card to cover the overdrafts, but they made no effort to cover me, or alert me that I was over-drafting. When I called to ask about at least getting some of it refunded, they treated me like sh*t and said there was nothing they could do. Now, $700 isn't a crazy amount of money, but the fact of the matter is, they're scam artists. What other company do you know of that is allowed to charge roughly 170.5% interest on borrowing money ($700 they charged % $40 I borrowed.) There are laws against this kind of thing, but apparently there is no law governing how much a bank can charge in overdraft fees.

I feel as though there should be more laws written on banking practices. I take the blame for not balancing my checkbook as well as I should have, but I'm outraged at the penalties banks charge people for this, it's a legal form of robbery. It seems all I can do now is spread the word!

Wasn't able to pay half my rent this month, had to borrow money, at interest, putting me further in the red.

In addition, I have written checks and made payments online and almost everything has been returned or will be returned. I have tried to contact the bank by phone and email, no one is willing to explain why this has happened. To make matters worse, the fees they are charging me are $35.00 each, plus all the fees that the merchants have/are going to charge me.

I already have over $460 in fees now! I am a single parent and I live in a very expensive region of CA, I'm not even going to have gas to get to work or have food to eat. I am afraid that when I get paid on 6/27, they will eat up my entire pay check in fees!

So the following weekend i went to the bank on a saturday, and spoke with Ed. He said yeah i don't know why you were charged, he called the main office and the person on the phone said I shouldn't of been charged either. Ed said i was going to get my money back and he would give me a call on monday. Ed never gave me a call. I went back into the back a couple of weeks later. The women I spoke with wouldn't even talk to me she said Ed would give me a call he never did again. I went to a different location to talk with a different representative. She could not give me any answers either and said she would call me. She never called me either.

I went back to Ed. He said I payed a credit card payment late and that automatically unlinks the overdraft protection. I was never told that I didn't have protection anymore. I was never asked if I wanted to relink it after I payed. After my vacation I was left to live on my credit card. I had $350 in my savings and they took the money out of my savings and put it in my checking to pay off the balance with out me knowing it. This bank is wrong and cost me a lot of money and debt. Also if my account was over drawn why would it let me keep using it to rack up $650 that should not be allowed especially if i was unaware.

I have had to live on my credit card while away at school. I lost $650 dollars, and suffered extreme embarrasment.

they now have me in same claims court for overdrafts fees in the amount of 1945.03 even tho i had called them over and over and ask them why they were charging me overdrafts fees on stolen checks and why they were allowing those checks to run thru 3,4, and 5 times each. every csr i talked to could not give me a reason why all they would ever say it is your account and you are liable for it even tho i had ask months beofre to have it closed out and reported the checks as stolen, they would not and had not recorded the checking account as stolen

now i will have to pay all those charges plus maybe criminal charges due to their neglengence

Since I made the assumption the pending deposit would clear, I won't beef about it being held longer. HOWEVER, even without the deposit, I still had $47 + change in my account. My debit card charges were $29 + change and $20 + change respectively. Only ONE of those charges would have caused an overdraft but they charged me $70 in OD fees for both?

The CSR told me that they sent out an account update in December stating the change in the fees policy. Now they will charge fees for all debits they process the same day if the account goes into the negative. I asked the CRS you mean, even if one of the charges doesn't cause the account to go negative, I get a fee because both charges were processed the same day? She said yes. HUH?

Fees!!! FEES!!!!!

what they did was went into my account and emptied it of 686.56, to cover my sons account. no notice to me i find out when i go to pay my bills and find i have no money in my account. first i call cust service and questioned. they say nothing we can do and hang up on me. i then go to the branch office in middle river md, to be told thats our policy and if you dont leave we will call the police to remove you.

i then call back the 1800 number to then be told very rudely that we are not getting our money back because thats our policy, thats my sons account, my own personal account has nothing to do with my sons overdraft.its totally wrong that the bank can just transfer money from peoples accounts to pay other peoples bills. without any notice at all. i asked the rep if they were gonna pay my bills and overdraft fee due to they stealing my money she says that i need to call the companies i owe money to to make other payment arangements because they will not give me my money back

Add insult to injury, just today, I see Wachovia has added a Deposit Holds area to their online banking. How insulting! I've been a customer for 30 years. For my JuneYear's Resolution, I've opened an account with a competitor, and will completely be out of Wachovia within 30 days.

Like many others, I live paycheck to paycheck, and that $400 hurt deeply, putting me behind with several of my regular creditors.

Occasionally, during the month we may miss doing this by 12 midnight and a pending goes to posted with a date. This would show up as a 'red' negative to the account in the dated transaction section. We are in agreement with the bank that once the pending goes to a dated red negative it is an overdraft. In the month of May, on one day, 10 of these pendings went to red negative dated. Therefore we expected a $350.00 overdraft fee for this error, as has happened in the past. We agree it was an oversite. We have never been charged overdraft fees for pending items that did not move to the section with a date. As long as we cover the pending before they moved to an item with a date we were fine. For two years we worked under this premise and were charge minor monthly fees for a small amount of overdrafts that slipt by.

Today we were debited $3300.00 in overdraft fees which were ACHed out of our operating account without notification prior. Of course it put our account in the negative which we had to cover to avoid problems. Our Accouting/Office Manager reviewed the transaction in May and could only locate the 10 overdraft items we anticipated on the statement. All other pending items that appeared negative were covered before the posted with a date. Bank Of America is now claiming that they consider there to be 90 overdraft items for the month! Although we only see 10.

We spoke with our bank assistant Shasha out of Point Pleasant, NJ. She indicated that she could prove 90 overdrafts and would fax over verification immediately. She has not done so as of yet. We tried to explain to her that we have not changed the way we cover our pending transactions and that we only saw 10 overdrafts. She rudely insisted we were wrong, and that their banking practices and rules had not recently changed, although it appears that they are now charging us $35.00 for 'pending' transaction that go in the red even if we cover them before they date.

We have just been charged 10 times the normal fee we would expect. We are at a loss as to how to handle this situation. We feel that Bank Of America played it underhanded by changing the overdraft rules mid-year to get funds and fees from our account on transactions we never were charged on for two years. Just when we feel that we have learned the rules of Bank Of America they change them to invoke more fees.

Our corporation lost over $3000 in revenue because of Bank Of America's trickery, and stand to lose another $3000 next month because we no longer have a handle on their rules and the games they play. If they can not prove 90 valid overdraft transactions according to the rules we have abided by for over two years, I am considering contacting my corporate attorney.

I recieve a letter from collection agency for $218.40 for fees associated with not using the account and having a negative balance from the time they pulled the money from my account.

I found out later that Wachovia has a new no fees business checking account, but she never mentioned this to me, nor has ANY Wachovia employee mentioned it to me despite seeing me in person at least once a week. I got the checks and found out she sucked $21.00 out of my account without notification nor permission. If I had known there was a charge, I wouldn't have told her to order checks. Like I said, I've never paid for checks in my life. Why would I start now? Basically they lied by not informing me of any charges for checks.

Lost $21.00 through dishonesty as far as I'm concerned, but I have also spent many hours trying to deal with the customer service people at Wachovia.

I contacted wachovia for the third time only to be told it was too late. At this time I had a 6 or 8 dollar bal. in the account and told them to close the account. I was so [upset] I just threw my checks and cards in the trash, only to find out later they neglected to close the account and someone was trying use checks for all kinds of stuff, dept. stores and even tried to pay a motgage with a check # I didn't even order yet. They never paid any of the checks but with the nsf fees pileing up wachovia finally closes the account and turns it to a collection agent.

Now not only am I responsible for the checks wrote but wachovia wants all the nsf fees collected and is ruining my credit with the collections depts.on it just because a wachovia employee neglected to close my account when I requested them too

Ha, guess the jokes on me because the reps kept telling me since I agreed to one fee that's all I was getting like I was bound in a legal contract. So now of course I am n chex systems for boo-koo $ that I still can't understand how I owed it when the $ was already deposited. Oh did I mention I was a signer on my moms account & wachovia messed her up 2 so she didn't pay & they took the $ out of my checking account! UNBENOUNCED TO ME! I can't stand WACHOVIA & their shady practices.

I am currently in check sytems & cannot change my checking account # with my credit union because the process req closing & opening a new checking account. Fortunately no one found those books of checks I lost

So next we went to his bank (Washington mutual or something like that) and his rep even told us that what they are doing is ridiculous and that Washington Mutual never put a hold on the cheque or anything like that. So then I called Bank of America Customer Relations and they told me in a very very rude manner that my account is closed and that I would recieve the money in my account from them as a cheque to my place without any explanation of why i was being accused of forgery. I cant believe this has happened and I cant believe that I am being alienated and treated like a piece of garbage by these ppl and I didnt even do anything wrong. I am very upset.

I have since gone back to my local branch and discussed the problem with a customer service representative. They told me there was nothing that they could do and that Wachovia banking policies were clear and had not changed. Should Wachovia, with the BBB's urging, right the wrong and refund 9 of the 17 nsf/od's there are still 8 nsf/ofd's to the tune of $280.00 for a total of $85.00 in over drafted funds. This is an appalling abuse of services to the consumer and needs to be stopped. I have researched the issue further on line and found that there is no small amount of abusive banking practices leading to the success of Wachovia and it's enterprises. I am very interested in finding out what can be done about these policies at a legal level.

Overdrawn almost $450 and have no funds available until next pay period unless I continue to overdraft my account

We had requested documents from the Customer Service phone people and here we sit, three and a half weeks later waiting for them. Just had Kitty from BofA customer solutions call and ask us if we still needed them (duh, yes) and asked her if they could expidete them since we had been waiting for all this time and she told us that it would cost US $15 to fedex them. She was very rude and discourteous and didn't care what the situation was.

I called the bank but they said they would not help me becasuse I did not put the security hold on the account. I explained to them that I did put the hold on there, but the guy from there bank put it on my debit card instead of my checking account. They said that they would NOT help me, and I would have to pay the fraud check and 3 35.00 fess that they were putting on my account for the over drafts. I did what they told me. The guy at their bank screwed up and now I have to pay the price.

I now have to pay the fraud people and the bank their fees.

This has happened several times. I want everyone to know two things. 1. The on-line statement is not trustworthy unless it benefits BofA. 2. If this happens to you PLEASE FILE A COMPLAINT WITH THE OCC!(Office of the Comptroller) When I asked the BofA rep where I could file a complaint she suggested the in-house BofA complaint procedure and the BBB! When I asked her about the OCC she said she haad never heard of them!

I am diabetic. As a result of this creative manipulation of our account I was unable to get my perscription filled so I am out of medicine tonight, tomorrow and well, until we get enough money to cover these incorrect overdraft fees and I am unable to purchase any groceries. I informed the BofA supervisor (Ms. Carpenter) of this but she didn't care.

Yesterday (6/10/08), I made a cash deposit to my account after this deadline. I then called the 800 number and talked to a representative named Carol A. I told her that I had made a deposit after the deadline and that I was afraid that since I did so, I might be incurring an overdraft fee for a charge that would most likely be debited from my account the following day (Wachovia charges $30 for each instance of overdraft). Carol assured me that since I had deposited cash, an overdraft fee would not be incurred for any charges that hit my account the next day. I want to be absolutely clear at this point and say that if Carol had told me at that time that since the deposit was past the cutoff time, I would be incurring an overdraft fee, I would have let it go. But, as stated above, Carol told me that I would not have a fee.

The next day, there was $30 charged to my account for what amounted to be a $4 overdraft (which technically was covered by the cash I had deposited on the 10th). I called back and I was told by numerous representatives (most of whom seemed pointedly uninterested in the fact that someone who worked for Wachovia had told me that I wouldn't have an overdraft fee) that I was at fault and there was nothing they could do for me other than offer a courtesy refund of $4 which I finally accepted after what amounted to over an hour on the phone with them. One reprehensive named Antoinette M seemed utterly incapable of grasping the concept that I had been told by one of her co-workers that I would not have an overdraft fee. After explaining the situation to her no less than 3 times, she could only iterate that since I was at fault by depositing my cash past the deadline, Wachovia would not refund the full overdraft fee. She told me it was her company's policy for her to not give out her phone number and extension should I need to contact her again.

In the meantime, WITHOUT authorization, Wachovia automatically deducted $70.04 from my checking account and THEN hit me with $70.00 worth of NSF fees. When I called Wachovia and explained they did not have a right to do that, the CS rep hung up on me. I was told the bank has a right to take funds out of your account if the account is deliquent by 25 days. I have NEVER signed anything in regards to this policy nor do I have anything in my loan papers regarding this policy.

I feel violated and I have lost 2 hours of work trying to straighten this out.

over 800 worth of fees. Yes they were my mistakes.

It appears that Wachovia intentionally posts debits before credits to maximize the chance of an overdraft, even if it negates a prior posted balance. From prior postings this seems to be common practice at Wachovia and, I think, should be investigated. It certainly is not customer-friendly.

This action resulted in an unnecessary $35 charge after the deposit had already appeared as available funds. It is as though the deposit was backed out to allow the overdraft.

Additionally, other items that were on hold will start to come in and they charge you $35 for each of those items regardless of amount. I didn't even know I had Non sufficient funds, becuase a charge was made by a restaurant that was not supposed to have hapened.

Upon calling John kept me on hold for a few minutes and told me he would only be able to credit me 25% of the $455 worth of NSF fees. Had he told me that when I called the first time, I could have borrowed the money from my mother (another Wachovia account holder) to decrease the amount of NSFs. But because he assured me they would be taken care of I didn't bother with making any arrangements to counteract any of the transactions that were going to hit. I then asked to talk with some one else and was transfered to Tsequanesh Debretsion who kept me on hold for 5-7 minutes and then returned the same answer and then hung up on me.

I no longer feel safe having Wachovia hold my main account. I am down $350 dollars in NSF fees when it could have greatly been reduced if I hadn't been lied to. I had to borrow money because I have car rentals, home maintenance scheduled and child care to pay for and groceries to buy. I think I am going to take my money where I feel more secure.

In any event, this caused my account balance to fall, leaving just a few dollars in my account. I used my check card like normal not realizing that money was removed from my account. Wachovia approved all of my transactions for the day and I did not even find out about ALL of this until a day or two later when I checked my account online. I was wondering if Wachovia was going to bother to call me to let me know what was happening?

Anyway, they of course added on LOTS of fees. The were Unavailable Funds Fees of $22, and then Non-Sufficient Funds Fees of $22 for the same transactions. No one at Wachovia could even explain these fees to me or how they were assessed. On top of it, even though they saw that I told them not to approve transactions that make my account negative, again they could not explain to me why they approved the transactions after i specifically asked them not to. From where I sit, it does not look like Wachovia cares anything about their customers and assess fees however they can and wherever they can. Their commercials claim they are number 1 in customer service...I don't know how that happened!

I have had over $800 debited from my account in an unauthorized transaction, plus $132 in fees from Wachovia, and then another $50 in fees from the credit card bills that I tried to pay from my account that were returned because funds were not available.

They told me in these exact words that there was no hold on my account and that the check was good and it cleared. Still insistent there could be a problem later i held onto the money for another two to three weeks to make sure that everything was fine. Figuring it was a cashier's check it should be almost fool proof, waiting the two days they told me, going back to make sure there was no hold, and still waiting three weeks before i touched the money; i figured that it was okay to disperse it like i had planned.

Then a little over a week later, June 6th, i my statement makes me aware that the money was charged back to me stating that they were not able to collect on it. After explaining the case again to bank manager they are claiming they have no responsibility for the other bank sending the check back late, because they are suppose to send back with in two weeks if it is no good, and then telling me they don't know why they could not get payment. I don't see how a large branch like bank of america cannot tell me within three weeks that a cashier's check for 3,950 is no good.

I am upset that the bank claims no responsibilty even after i took every precaution to make sure this would not come back to me. I am appauled that after i explained my suspician they didn't tell me to wait at least a month to be sure. I felt that they didn't bother listening to me and are so quick to say that they are not responsible. I told them from the get go that i do not have the funds to back up this check and that is why i am checking to make sure it has cleared. They actually thanked me for coming in to take that extra step and i again told them this has to be clear and that they are certain. Two associates, one being a manager checked and promised me that it was fine. And now they are charging me back this money and are not trying to pursue the bank that authorized the check.

This has created the biggest strain ever on both my family and my relationships. THey are refusing to temporarily freeze my account and waive any overdraft charges. This will hurt my credit because i don't know how or when i can pay this back even though i feel it is mistake on the bank's part that lead us here, and it is the bank's because of the promised i received amd the precautions i took. I just bought i ring for my girlfriend hours before i found this out and what should be one of the happiest days in my life has turned into one of despair and hardship. This problem with the bank has caused me severe depression and anxiety and i feel that life can not be good or the same for a very long time without some serious help

Yesterday, I received an amendment notice stating they're raising my interest rate to 27.99 -- not based on anything related to the closed account but again on information in the credit reporting agencies files. According to the BofA representative I talked to on the telephone just now, the increase is because they have determined I'm a risk. (My credit score does not bear this out.) I can't close the account to stop the increase (it's already closed). Apparently, they can do whatever they please, including charging me another $30 or so interest per month, just because they feel like it.

I've been laid off for a year and a half, and I just got a permanent job this year. I'm trying to get back on track with my bills and rebuild my life. My home is in forclosure, and I'm about to get a divorce. How can a financial institution like Wachovia be allowed to double dip, like that and your not able to report it. FOR A $4.00 OVERDRAFT, WHICH WACHOVIA CAUSED BY CHARGING ME TO GET MY OWN MONEY FROM THEIR BANK THROUGH ANOTHER BANKS ATM......I WAS CHARGED $74.00. What can be done?

I am 100% disabled and I live on less than $900 a month and that includes paying rent. Be cause of Wachovia i will not eat this month. I am taking them to small claims court.

find this questionable. Can someone let me know if this is legally possible?

On top of that we were slammed with 150.00 worth of overcharge fees because that action as well as other banking actions had sent my account spiraling into the negatives. after some phone calls with some not so willing staff, we were givin a credit to make up everything. then 3 weeks later the amount of one of the tickets was STOLEN from my account by Bank of America. This being a holiday weekend of course we recieved a letter saying that the airline had declined any wrong doing. with little time and a hot head attempted to contact bank of america and like so many other people encountered BOA staff that was rude and discourtious.

this is know in the third month of this So Called investigation. I have since closed all my accounts except the one under contention. BUT i Will NOT GO AWAY. I work hard for my money and i am not going to let some bank who thinks that they are above the law. this is my money and they made a mistake and know they dont want to play by the rules and give me my money back. this has gone past the point of being reconciled. I want to be compensated for my troubles.

i am still fighting eviction from my apartment complex becouse this was my jan rent. someone was arrested and will be sentenced for this crime this month. i would just like to get this money back so i can resolve this situation.

When I checked our account that evening online at 5:02pm, we were negative $118 dollars because they posted five pending transactions from 5/19 AFTER our deposit.

We called and talked to customer service at 5:10pm and she said that it was the tellers mistake because she did not cash and then deposit our checks as we specified. She said that there were not any overdraft fees and that we could go in the next morning to the bank and they would fix the problem. She recorded this in her notes. I checked the account a final time at 6:47pm and we were now negative $293!! They charged us $175 in overdraft fees after we had deposited $450 that morning!

The bank manager would not help us and continued to place the blame on us and not the teller! They also insulted me by claiming that I was not one of their premier customers so they would not refund me the fees! I have deposited over $40,000 with them since January! Just what does it take to be a premier customer!?

I tried to use my ATM card again and found that it was blocked. I sent emails to B of A customer service and they told me the only way to unblock the card was to call a phone number in Atlanta. I told them that I had no phone and could not call. After 5 more emails, they still gave me the standard answer that I had to call to have it unblocked. Not sure why since I had to use a password, answer a secret question, and then confirm a site key before even sending an email. What's the point.

Needless to say their customer service rep's, all in India, did nothing but say they can sympathize with me. Not sure how since they were not stranded in China.

I WAS WRONG!!!!! I received a call this evening from Wachovia, "Maam you are 31 days past due we need to arrange payment immediately or we will repossess your car!" I have not made late payments previously, I have been a good girl, pay like clock work and they were going to repossess my car? I explained the whole story beginning to end and asked why if I defered that payment I was late... the jerk transferred me to my local office (in a huff) where I was greated by another jerk who immediately started telling me there was no record of any sort of deferment offer, I calmly explained "I have a copy of ALL the paperwork here, its even time stamped from your and my fax machines" to which he replied " a whole lotta good that will do ya, you are still 31 days late, would you like to make a payment today or shall I arrange for a repossession?"

After a half hour of arguing back and forth I finally just made the payment asked since I had all the documentation if this would still be on my credit report, to which he replied " well you were late!" I said " but I had filed paperwork with you twice! and you guys failed to inform me of the first one being declined, this one you flat out lost!" he said 'prove it' I told him I had payed the 25.00 fee, he told me he didn't know what that was for for all he knew it could be for late fees. Mind you I have NEVER paid late and thus would have no late fees, something he could easily see on his screen. I hung up have left messages for ALL his supervisors for tomorrow and am waiting for this to show up on my Credit report. After this ordeal my husband told me to just pay off the F***ing loan so we will be taking the money out of our savings to do so. This was supposed to be a way to build credit as young married people starting out not get screwed by it.

All our monthly automatic withdrawals bounced--adding further to our economic hardship--rent payment was not there, as well as the monthly allowances for food, gas, transportation, medications, etc.

I recently received a letter from them telling me my account was -$110 . I immediate called and asked them what bills the paid and why? The said they didn't pay any bills but a domain company that I bought a domain from 5 years ago automatically tried to renew the domain and retried 3 time after they declined payment. BUT The still charged me every time for insufficient funds fees each time. resulting in the -$110 balance.

So Not only am I am broke . My bank is charging me because I am broke whether or not the paid anything. How is this fair? They told me I should have closed the account . But I need it just in case ,instead of cashing my paycheck for bills I could deposit some money. But Wachovia didn't care the think because they were asked (but didn't pay) they should charge me a fee. Is this fair? My bank making me more broke? STAY AWAY FROM WACHOVIA BANK!!!

Now they are suing me for the fees and reported me to some agency to make it difficult to open another bank account.

Therefore, I wrote all these checks and was using my debit card only to find out a week later that had pulled the whole 15,000.00 check out and began docking me 25.00 overdraft fees and then 35.00 overdraft fees, and then 35.00 NSF fees for all my checks that began to bounce. In the mean time I had just closed my campus mailbox where BofA was sending all my banking mail (and lots of other things were being sent there also) and was in the process of updating my address with all of these companies. So when BofA went to return the check, they sent it to my closed campus mailbox thus leaving me with no choice but to wait for my check to make its way back through the post office so I could add my grandfather's name to my account and get that check deposited back into my account.

Okay, what my problem with BofA is: They put the whole 15,000.00 into my account leading me to believe that I was safe to write checks and pay my bills with my student loan check and then later that day they took the full amoutn out without notifying me directly. If they discover that one or more of the payees of a check isn't on the account after they have deposited the check in full amount into your account, they need to notify you directly not through snail mail which in my case got sent to a closed campus box leading me to accrue unnecessary bank fees.

To date, BofA has charged me 511.00 in both overdraft fees and NSF check refund fees. I spoke with Charles Lee at the Alta Loma brach where I originally opened my account four years ago and he assured me these fees would be taken off. He gave me a card with a Customer Solutions Center's phone number on it and told me to call and they would take care of the fees. He even said he put a note into the system about me calling. However, upon calling today the Customer Solutions representative I spoke to refused to refund the fees and when I asked to speak to his manager he would not let me stating, This is the highest your call can be escalted to. I have since tried to contact Mr. Lee but surprise, surprise the number he gave me to reach him is out of service.

Because of Bank of America's hugely unfriendly staff, unhelpful customer service representatives, and poor communication with me I have had to go 2 whole weeks without any money, use 511.00 of my school loan money to pay BofA fees, wait two weeks for the check they sent to my closed campus box to make its way back to me when I would have come to the branch to pick it up had they called me (you know, it being such a large amount), I had my school threaten to kick me from my summer school courses because the check I had originally wrote them after double checking that the money was in my account bounced, and my reputation is ruined with them. In addition, my grandfather has had to take off of work just to come to the bank with me to put his name on my account and because they treated me with such little respect I had to bring an older man just to get them to give me any real answers. Answers that in the end, got me nowhere.

I called Wachovia and the representative said that when even though the purchase was made on a certain day that it did not come through to Wachovia until 2 to 3 days later! That is a bunch of [lies]! I told the rep. that the card I used was my debit and when you use a debit it is just like using the ATM, so the money comes out right then! The Wachovia rep. just repeated the same crap over to me again. Later I get my statement and see that the debit transactions are actually listed as posting days later, but on my purchase receipts the purchase date is 2 to 3 days before!

Now, I can see a transaction posting that late if a credit card is used because of processing time; however NOT with a debit card! The money should automatically be deducted when the purchase is made. What Wachovia does is they have the debits set to purposely post late, so that people will continue to make debit purchases thinking they have money available. Wachovia practices are unethical and they should be reprimanded for such unacceptable practices. They basically stole money from me. I work hard for my money and I ended up having to pay NSF fees to other business as a result of Wachovia's greed.

Iif I continue to bank at BOA, I am self diagonosing me as officially out of my mind. Therefore I'm closing my account today.

So BofA closed my account but oddly accepted a wire transfer from the same institution that previously denied to cash my check. Now BofA has me on chex systems and is in possession of my $600 wire @ over 20% interest since May 9 2008 and I have no access to funds I must repay at a high interest rate.Now I receive a statement from BofA that I got debitted $35 for a bounced check and $60 for account review. BofA asked me to confirm by notary that my cosigner of the Citicard knew of my transactions. My aunt did so immediately and verified that I have full authorithy to do as I wish. This was faxed with receipt on May 9 2008. After countless follow ups all I get is rude hangups or it's under review. What is to review. I proved it's no fraud and have a history of these transactions. All this happened because I mistakenly depostited an advance check that was expired and these checks have no expiration date only the stub does.

Now I am barred from opening amy account because BofA reported fraud to chexsystems. My cosigner who by notary confirmed she was aware and consented to my transactions was rudely hungup on by the agency that requested proof that no fraud was committed. Without a checking account I now must use money orders at a cost to me and not have access to direct deposit of my income pay. I don't blame suspicion by BofA but I have given them all they asked for to clear my name. Why didn't BofA contact me via my cell they have my number. Why wasn't my cosigner contacted via Citi?

Cost of money orders, delayed access to biweekly pay because of no account for direct depsoit. Loss of $100 for opening chase account with direct deposit due to chexsystems. Telephone correspondance waiting on hold for countless minutes while being rudely hungup on. The cost of my wire advance of $600 since 5/09/2008 without access and the cost of $60 review. My gas to go to differebt branches of BofA and time off from work. My emotionly state has caused depression, my erratic behavior by missing work almost to lose my job. My nerves have tensed everytime I see a BofA ad or branch. I have lost hours of sleep trying to figure out how to resolve my conviction and sentence by BofA without a trial.

I firmly believe that credits should post first and then debits should post as they come in. Wachovia should not have the right to decide what is paid first.

As a result of this practice, I paid a $105 in fees.

I have also asked repeatedly for both mine and my husband check cards to be canceled to avoid this happening further only to call the next day and find out they weren't closed. It finally ended up that 3 days later my husband who is in Iraq had to call them and argue with them to cancel the cards and issue new one which we don't even want because we are leaving the bank for another that is more reliable. We also have overdraft protection on our account which never seems to work and we always get charged NSF fees that we then have to call and argue about until we finally get them back.

Today I was looking at the account and noticed some strange charges so I called and the lady told me I disputed something in April and never responded so she gives me the information for the company and tells me I need to call them so I do so and they have no record of a charge ever being made. So of course I called back and the lady looks into it further and finds out some stupid dispute investigator charged the money to the wrong account so her supervisor gives me my money back after and hour of aggravation and trying to figure out what was going on.

I really don't understand how a professional corporation can make as many mistakes as they do. I really do believe that they love to scam there customers to make money. Luckily we got all of our money back and are now waiting for all of our now in the process of transferring our money to a different bank.

On May 5th, 2008, they transferred $196.37 from my savings account to my checking account without my knowlege or authorization! I physically went into the branch to deposit an additional $1000.00 to cover the overdraft that I thought had not yet been taken care of. Had I known they were going to transfer funds to cover it, I would have not gone in and thrown another $1000.00! I am an unemployed single mother desperately trying to save thousands of dollars to move my child and myself back to California as things are no better here in Georgia as they are in any other state in the union and we'd rather be home.

am FURIOUS that they not only transferred my moving money when they weren't supposed to be doing that AND still charged me hundreds in NSF fees! They cannot have it both ways! This should be considered theft and illegal! NEVER AGAIN will I ever in my lifetime open both a checking and savings accounts with the same banking institution! Banks view this as invitation to do whatever they chose with my money regardless of how my accounts are set up!

This is both ridiculous, highway robbery and I will not tolerate it! What good is a Customer Service Dept. when all you get is lip-service and the run-around with no positive outcome of your complaint. I suppose this is where you guys come in. They should all be dissolved - banks! They are all thiefs! I will now have to stay here in awful Georgia for another full month, miserable in this heat and my current living situation where we are being abused every moment of everyday. This is causing me emotional and mental distress! Wachovia will transfer my funds in the amount of $196.37 back into my savings account and will reverse all NSF charges incurred since the date this account was opened in January 2008.

Once I receive a phone call from a bank manager advising the above has been done, I will go into my branch and close both accounts! I will never again put so much as one single dime into Wachovia and will insure nobody I know will either. Matter of fact, I will no longer use banks. I am hereby boycotting them all. I will simply have my mother cash my checks at her bank and use .50 money orders from Seven Eleven or Am/Pm mini markets to pay my few bills each month and will keep my cash at home in a fire proof safe. Who needs banks?

The next thing happened when I moved to Michigan. I closed my BofA account because we did not have them here (now they have bought out LaSalle bank which is the worst bank on the face of the Earth). I was negative $84.00 in the account so they told me to send a money order to cover that. I did that immediately. They received it, signed for it and posted it. They even sent me paperwork showing my account closed. Which is why I was surprised to find it on my credit report as a negative hit. They said I owed them money. It also showed on my Chexsystems.

I, like everyone else on here, called them and called them to no avail. They don't care and continue to report on my credit report. Couple that with shady credit reporting agencies who don't remove false info even with proper proof, and you have one huge mess that only hurts us. Nobody seems to care about the consumer and how it affects us and our lives. I can't even open a bank account because of these people.

two days later we paid some bills eleven all told those checks were returned NSF, not sufficent funds, why we asked the banker oh he said a hold had been placed on that check why we asked the banker, well he said you have been overdrawn several times..why weren't we notified we asked well he said when you opened the account, 4 years ago, they told you banking policies, I don't think so and where is the customer relations pick up the phone NSF was a lie the money was in the bank

the bank charged our account $385.00 in NSF and every check that was returned that business charged $30.00 another $300.00 and now our reputation is skeptical

$105 extra in overdraft fees.

They also will hold transactions and not post them until your balance is low and you wonder where the transaction came from. Sometimes the transaction is over three weeks old. I want nothing to do with their banking system and I am in the process of changing to another bank.

Over $500 dollars in bushwacked overdraft when plenty of our money was in their bank and all indicators of theirs said so also.

They also indicated that they post the largest transactions for debit first making, in our case, 7 different $35 dollar overdraft amount. Please remember, there was plenty of money to cover all transactions in all boxes, even the amount available.

Over $500 dollars in bushwacked overdraft when plenty of our money was in their bank and all indicators of theirs said so also.

I went to the bank and spoke to the manager, explaining that the Limited Power of Attorney that we had filed did not make me responsible for my mother's account. The manager told me, That doesn't matter, they won't give you your money back. She was right! I called and talked to several different people, and they refused to refund the money that they basically stole from me. As it wasn't an extremely large sum, it wasn't worth the cost or time of hiring an attorney.

I was left with no money to live on. I was moving back to NY and had a friend there with a trailer to move my stuff. I went to the bank to get money to pay for the fuel, and no money.

I just received a letter on May 8th 2008 notifying me that Im four months and a total of $5,813.00 behind. Bank of America is now stating I need to pay to avoid repossession of my house. Im told by a representative of Bank of America that their standard answer to everyone is You do not have to repay the loan.

Bank of America told me It was include in my bankruptcy and I didnt have to repay the loan. They also failed to mention that they would repossess my house four months ago . Bank of America gave me the wrong information and should be responsible to fix the problem they caused. I dont know what to do at this point and Im afraid Im going to lose my house. Please help.

I might lose my house

I took off all my money from Wachovia but their is another charge, It doesnt stop

Then I recalled receiving an email from BOA back in 11-5-07 regarding Irregular Check Card Activity, I call that number on the 1.877 on that email and after the long wait I spoke with a rep and he couldn't seem to help get to the bottom of the problem for total satisfaction. I asked to speak to a SUPERVISOR, "what a disgruntling mistake that was" as he connected me with Jodie. I was complete shock by such a poor lack of knowledge she displayed along with a very poor attitude

and furthermore the inconsistent info that was given from her side. She told me my card had been compromised and said that my card had been blocked, which was the only consistent info that was pass on.

So pls don't get me wrong, I do appreciate BOA detecting any and all possible threats of compromising and or ID threat to the utmost! But Jodie's poor attitude and lack of consideration after she had mentioned she's been in the business for 9yrs surely doesn't reflect on a competent level, not unless she has become so complacent that she thinks she can just treat customers any way she pleases and get away with it like she unassailable and irreplaceable.

I'm over in Kuwait working with the DoD and due to the nature of my job I only have a APO military mailing address and she wasn't consistent nor able to execute any level of brain storming to keep me at ease. I had to tell her about certain programs BOA offers after she said she can't FedEx my card to my military APO address, and went on to tell me to get another address whereby she can arrange the card to be sent via FedEx. I call FedEx Kuwait and got the address and then called back and spoke with her so called assistant SUPERVISOR, after the long wait. She had the say drawn up attitude parallel with Jodie which became even more shocking and disgruntling. Then I really had to ask myself do I really what and institute like this that hires these sort of reps/SUPERVISORS to handle my money without the proper training with extremely poor customer service!

I am pretty sure these phone calls were recorded for all of the facts. I am very irate so pls get in touch with the proper management for proper counseling. I will be in the states very soon and I would appreciate it if I could get some feed back on the disgruntling issue that could probably convience me to stay with BOA.

I verified my bank numbers and had continuously tried to work with Wachovia the past few months but the problems persisted with complete incompetence. Their conduct has been immoral unethical and unscrupulous, their failure to correct my information after being repeatedly being asked, is a deceptive practice.

I requested an address change, my account statements, posted checks, and payments and at the end my closing papers, it took several requests over months for these request to be honored and their failure to disclose material information resulted in more time passing for Wachovia to try and collect late fees and make my account appear more outstanding. Even sending me a FORECLOSURE letter certified mail! This has caused me defamation, and a lot of infliction of emotional stress, I have had hives and can not sleep because of this unresolved issues keeping me awake.

My first mortgage has drafted from Wachovia for over 6 years with no problems. This had gone on too long; I felt my only recourse was to pay the full amount $24,000 and close the account completely and dispute their findings. I have all the supporting information and am disputing it with the credit agencies as well as Wachovia and turned to the BBB and the Attorney Generals Office of NC.

Lack of sleep, frustration, hate mail and phone calls and fees and charges and 30 and 60 day late hit to my credit history. A Certified mail of Intent to Foreclose for the min payment of 311.17.

emotionally distressing

I had to withdraw what money I had left and now stand to have my credit damaged by this bank. This should be criminal.

I went to a local branch and told them I wanted to close out the charge card and pay the remaining balance. They checked with the head office, told me the amount due and we paid it. After that, they started billing us for an unknown old $178 charge that they wouldn't identify, and we responded that we had closed the account and paid the balance that they stated. We contacted everybody in Wachovia, from local managers to the head office and we were told it would be taken care of.

Months later, here it came again, this time with late fees and penalties tacked on, for a total of almost $400. I kept writing that if they couldn't, or wouldn't identify the charge, it was not our responsibility, especially since we had closed the account and paid the balance. Wachovia then sent it to a collection agency, which worried us with respect to our excellent credit rating. I discussed the entire thing with the collection agency, sent them an 18-page fax with all the details and correspondence, and they agreed with us and recommended that Wachovia drop the case. Wachovia refused to drop it. I offered to negotiate a settlement just to get rid of the mental anguish. and Wachovia refused my offer of 50%, and insisted on almost the entire amount. We reluctantly paid it, just to get it over with, but still feel like we've been screwed over by Wachovia. These examples are just the tip of iceberg of what Wachovia has done to us.

We paid the balance of the charge card, then were billed for almost $400 more! Over a year of frustration, harraassment, letter writing, and phone calls....all amid the grief of losing a loved one. Both my wife's health and mine have taken a serious turn because of it, We are in our 70's. We have both been in the hospital for observation for heart problems. (My wife twice)

When I saw the check clear I immediatly called customer service and explained my situation on 05-12-08. They heard me out and stated in a recorded call and that they understood my situation and said they would reimburse me for full amount in 24 hours. 05-15-2008. they did not reimburse for anything so i made another call to customer service this time they bombarded me with legal bank jargon and telling me to put myself in there position and to except a $60.00 reimbursment.

After a 30 min discussion about how I messed up in writting the check and how when processing my stop payment I should of stated the legal amount which is the amount you wright in text (silly me, I thought everything you wrote on a check was LEGAL). This still does not explain the negligence of BANK OF AMERICA cashing a check for amounts not written on check. What to stop them from confusing two zeros from three zeroes and blaming customers for there mistakes. On top of this whole mess The supervisor(daisy Employee#1580)decides to starts making snide remarks and when I asked to speak to manager she transfers me to some random employee's mail box. Any information to help me resolve this matter will help. Thank you.

I have not been able to pay important bills due to there mishandling of this matter.

That is not my complaint, my mortgage fell behind and it is hard for me to come up with all the money at once so I started paying 230.00 a week. After doing this for seveal months I could not understand why my interest and late fees never looked like they were going down (that amount was more than 150.00 over my payment amount). I received a call asking me what my intentions were. I explained (like I had at least once a week) that I had 230.00 a week drafted from my account and I didn't understand why the amount didn't seem to be changing.

The representative that I spoke with told me (first one out of MANY) that they hold my payments in a special account until I have enough to make a payment. They were not applying the money I was paying toward my account. so late fees and daily interest was still racking up. I have sinced stopped those payments and I plan on holding my own money until I get the payment up.

When I questioned why they process transactions from biggest to smallest instead of in the order they are presented, I was told that this was intended to benefit the consumer so the most important items are paid. OK, so if I have a $100 light bill and I go on a shopping spree for $110, how is it more important to pay the shopping spree first? They have no method as to how long credit transactions and debits show as pending before that money is out back into your balance. All they can tell you is to write down every time you use your card, and do not rely on the online banking as a ledger. I may be wrong, but I thought debit cards were created as a convenience to the consumer, and on-line accounts were an added convenience. If I have to write down each time I use my debit card, wouldn't it be easier to write checks and have carbon copes so I can transfer it to a ledger when I have time?

Their customer service reps are rude and have no clue what they are talking about. They just love to point out that it's your fault and they stick together like glue no matter how wrong they are. Bank of America is definitely an institution with no heart. If anyone knows of a class action lawsuit against them, I would love to voice my opinions.

I have had to pay in excess of $800 for NSF fees to Wachovia. In addition, I have had to pay $300 to the vendors and employees to cover their bounced check fees.

I've had problems off and on with them for almost 3 years. I have had so many fees taken out and am still paying for their policies. I had written a check for over $500. I had the money in my account and deposited a check for the $500 that was owed to me by my stepfather. They decided to hold that check therefore causing every other purchase and check I'd written to bounce. I had the states attorney file charges against me for writing bad checks. I didn't write a bad check. They decided to hold it causing more harm. I've spoken with the attorney and he said unfortunately they are allowed to do that.

I have paid out $1716.00 in overdraft fees to Bank of America over the past year as a result of their protection. These fees have come directly out of my only source of income, my SSD check. Each month I start out in a deficit as a result of these $35.00 fees. They have charged me 5 times for one check! They will not credit my account for any of the overdraft fees even though I've told them to stop in writing. At this point I can't close my account because of being overdrawn. Do I have any recourse?

they fixed 6 of the overdrafts, leaving 7 more that they would not fix. The bank resident said thats all they could do and never gave an explanation as to why this happened in the first place. They,did not know why this occured, but thats all their gonna do. The bank president was not willing to find and fix or explain the problem. We have done business with this bank for years and now we can't een get an explanation as to why these accounting problems are happening.

Besides losing money to this fradulent way ofdoing business, it has caused distress to my wife since it directly effects her small business account. Being treated rudely has its own effects resulting in more distress.

No damage,just wanted you to see what is floating around in peoples e mail,received 12 may 2008

On Wednesday, I checked my account and discovered a charge for $245.00 for unavailable funds. Shocked that it was 245 and not 35 or 70, I called customer service. They told me that they paid that last bill, but had to charge me for each transaction I made over the weekend in order to pay the bill. (In reality, those other charges should have been paid first, then I should have been charged only 70 in fees for the bill and another 5 dollar transaction that day.)

So, I had to borrow money to bring my account back into the positive since I had insurance to pay and my paycheck was only enough to either cover insurance or the negative balance-not both. Cash was deposited into my account the evening of 5/8/08 to be available on 5/9/08. Friday morning at 11 am the money was available. Friday evening at 5 pm there was no record that the deposit ever happened. Saturday afternoon, the deposit magically reappears stating it would be available on Monday, however now I have more fees being assessed for transactions that happened before I discovered the deposit went missing.

To top it off, the bill they had taken the money to pay that resulted in the first seven charges posted friday...with a 35 NSF fee. How can I get charged a fee for something that was supposedly paid? If it really hadn't been paid, then those first seven charges would not have been justifiable. So I think that I should owe either the 245 for the seven fees because the bill got paid, or 35 for the bill that wouldn't have had ALL the money available because the seven transactions went through first.

I am now out over 300 dollars that should have been available to make a car payment and buy my son's medication. I am a single mother of three with a handicapped son. I do not have a lot of money to spare and when I am charged hundreds of dollars unnecessarily, it is hard to catch up, pay back the negative amount, and feed my children.

On top of that, I was charged another $115.00 with no reason. I lost that money, and decided to close my account and cut my losses quietly. Today I received a letter informing me that I owed $140.00 for over a month on this closed account. I was told at the Bonney Lake Branch that there would be no charges to me and the account was shown to be zeroed out. I was told I would get a receipt but then later told I didn't need one. Will this account closure stick?? More to follow. I'm skeptical.

Over 100.00 in overdraft charges.

Luckiely it only resulted in my losing $62 dollars. however, it should have never happen if they would have done as I asked them.

This unstable environment is the reason we did not invest our 45000 from wedding gift in this bank. It was just closer to our home. I hope you can help us break through this trend of greed. Thank you

This has now made my account over $400.00 in the negative. Causing financial hardship.

This is similar to their onerous practice, where if I deposit funds on Friday after 4:00 p.m. the amount is not available until the following Tuesday. Although I paid a monthly fee to keep my small checking account open, they tell me I will not receive any interest for the period between the account closing and the return of my remaining funds because I don't have an interest bearing account. What are they doing with my money during the interim? Short-term cash investing, of course. They don't allow the customer a margin of error and yet we are literally giving them our money to do with as they choose until they deem it ours again. Where are the profits from these transactions going?

It is all over the news of late how Wachovia has major 1Q losses, is under investigation for money laundering, etc. I realize this is not as dramatic as a house foreclosure, but it is disturbing. When viewed across the vast customer base Wachovia has, it is clear they must make a sizable profit from the short-term investment of their customer's cash and fees generated from rules no one would consider fair.

I have had my account with Wachovia for many years. I have paid fees for my account. I am loosing the access to my money now and have in the past. Total loss of funds is unknown, but a sizeable amount given the length of time I have had an account with the bank.

I also requested that this little scam keep the change be closed on my account. (in effect, this actually was the reason that they were not able to close the savings account...or so they claim) Neither of these two things happen and I was subsequently charged 5 overdraft fees of $35 each--independent of the fact that this would be more than covered with the savings amounts that should have remained in my checking account.

I will close my account today and go with WaMu or Wells Fargo, who don't have these charges. I simply cannot BELIEVE this crap and will take all my business elsewhere. I am willing to serve as a spokesperson against BofA as they (in the name of profit) have so eagerly/readily dismissed by business.

Consequences to me-- multiple $35 charges, stress, overage fees, wasted business hours, and overall lack of respect for a long-term client.

To top it all off, I deposited a $300 check into my account on the same day that all of these transactions so called bounced but this money has still not been credited to my account. This deposit would have covered everything including the $200 check. The deposit is even from a Wachovia Business Account so all the teller has to do is verify the funds are available and credit it to my account to prevent the account from overdrawing. But that would cut into their bottom line wouldn't it? Where else are they going to make all of their non-interest fee income if not for stealing their customers' money. I'm so mad I don't know what to do. I can't pay rent, my car payment or put gas in my truck to finish off the work week because of these thieves. I would like to know if there is a way to file a Class Action lawsuit against this deviant corporation.

I will now be charged a late fee on my rent and car payment due to the theft of my money. Wachovia Bank is a prime example of a greedy corporation who will do anything to their customers in order to pad their bottom line. The consumer abuse this company gets away with is disgusting.

I got mad and said look lady I dont want the car I can't pay for it and we argued she looked at my husband and said I am sorry you are married to and have to go home with this lady. I am sorry that we could no longer pay the loan but I do not see how slandering my character has anything to do with how business should be conducted.

My checkbook is now out $175.00, this is extortion.

This cost me immeasurable harm, as it now shows on my FICO that they pulled my credit report twice. Additionally, I waisted valuable time waiting for my pre-approved loan. I turned down several lenders thinking that Wachovia was a better choice.

We went to our local branch and spoke with the branch manager, who made some calls and found out that BofA had exercised their 'right of offset' and emptied both accounts without notice to apply to the business credit card. The total in both accounts was more than $2100.00. The Branch Manager, Leah Goss, really went to bat for us...we were in the bank for about 3 hours, and she agreed that it wasn't right for us to receive a letter giving us until April 29th to bring the account current, and for the bank to empty both accounts on April 23rd without even giving us a chance.

While in her office, we spoke to a representative, April Salazar, from the Bank of America Customer Assistance division, the division responsible for emptying our accounts. This person was extremely rude to us on the telephone, and said there had been numerous attempts to contact us, with no response. That is absolutely not true. We received one call, and spoke to a bank representative and explained our situation.

Yesterday, April 30th, we received a letter dated April 24, 2008 from BofA informing us that they had emptied both accounts, and that the funds would not be available as of the date of the letter, April 24th. They actually emptied the accounts on April 23rd. We certainly don't dispute the fact they we owe them money, and we have been working very hard to get our business back on track and get the bills up to date. At this point, we are short $2100 that was to have been used to help pay those bills, along with other living expenses. My issue here is the fact that Bank of America says one thing to us in writing, that we had until April 29th to resolve our problem, then they turn around and clean out our bank accounts 6 days prior to the deadline they gave us without any notice at all. Is this legal?

We are wiped out financially. No money in the bank, no money to pay our monthly bills. Our trust in the banking system has been completely shattered and we don't know where to turn.

I had transfered the -30 into my account to get gas to go to the university, where i was planning to work on a final project. I could not make it there, and did not dare buy my kids anything for supper, for fear of incurring a string of overdrafts. They ate peanut butter sandwhiches. BOA has more of my hard earned money. I plan on cutting my losses (this has happened a few times before) and leave banking accounts altogether - the conveniece is not worth the hassle. I will just work out of a cash jar, in the house, like folks use to use.