Bank of America Reviews

My experience is similar to many of the other ones listed here: predatory overdraft or unavailable funds fees. I had overdraft protection in place. I got behind on payments at one point, but was CURRENT on the overdraft line of credit (i.e. Visa) when this occurred. I overdrafted by $40 on Thursday overnight (note that when I checked my balance at an ATM Thursday night at about 8 PM, I had $130 dollars in my account). Friday morning I was $40 in arrears. I made a deposit on the following Monday, by which time I had incurred $245 in overdraft fees - for FORTY DOLLARS in overdrafts!

Today I received an email from Bank of America saying they put my balance to below zero and are going to take my direct deposit check on Friday. I simply deposited a check I received from the State Treasurer's office, and they made it available. Then 5 days later they said they returned it to the Treasury. I need help a.s.a.p.

Deposited a check in the amount of $400 for a car I sold on Ebay. The buyer is located two hours away. After the money had shown as cleared online, I spent the money. Two days later, my account shows as over $1200 over-withdrawn.

I recently was charged $175.00 in unavailable funds fees from Wachovia. This was the result of a check posting to my account that put the account in deficit. However, Wachovia decided to post this check in favor to several smaller transactions that had been in hold status while the account had ample funds. Once they account was overdrawn, they put through these smaller transactions, each of which incurred a $35.00 fee for unavailable funds. One of these transactions was actually an ATM withdrawal. How could the funds be unavailable if I already had them in hand? I would like a substantial amount of the fees refunded to me. I really just think someone should look into this very suspect business practice. It is criminal.

There is no way I signed up for Credit Protection Plus. After digging further, Bank of America uses a third party company called CIC which administers the plan. I was charged two big fees before realizing they fraudulantly enrolled me in the plan and the last charge pushed me over my credit limit which alerted the credit bureaus that I am over the limit.

I have a checking account with Wachovia Bank, and use a debit card to charge purchases. Last year in June, my account was charged $88 overdraft protection for 4 purchases (biggest being $9). I called the back at the time, and requested that overdraft not be allowed on my account. I was told that it would ensure that my account does not go in overdraft.

I have banked with Wachovia for around 12 years. I really haven't had any trouble for the most part that was not self-induced, until about 7 months ago. Around August of this past year I really started getting hit with some crazy ODF numbers. I always just blamed myself....that it was something I was doing. I started really hammering down, checking my account daily, trying to keep a current balance, etc..

I have been with Wachovia bank now for 10 months. It has been a horrible, costly experience for me and my family. I found out today that my account is overdrawn by $912.97 and still have 2 transactions that they have on hold. We track our money real closely and our account balance was at $882 before the bank closed on Friday. They tell us on Tuesday that our available funds were only $712.92. With no transactions occurring between this time. Several times now they have held transactions to try and get ODFs out of me. I have called different merchants and have them tell me they have already posted this transaction. Wachovia will tell you that that is when they sent it not when it posts with the bank. Yet, when it suits them the transactions post almost immediately. Sometimes they hold them for over two weeks but your balance wont reflect the hold. Someone needs to stop them from doing this because people like me live check to check and now we don't have a check to live on this week.

I recently opened an account with Wachovia. I've been dealing with a Credit Union for many years but decided it would probably be best to have a few bank accounts. I made several check card purchases over the weekend. I also wrote a check for $2000. I check my account on a daily basis and when I checked it this morning I had an overdraft fee of a whopping $198! I called Wachovia to find out how is it possible to have an overdraft fee of $198. I was told that my transactions are processed from the largest amount to the smallest (even though a lot of these transactions have still not posted to my account INCLUDING THE CHECK FOR $2000). Meaning they processed the $2000 check first then all the smaller transactions next even though they are still on hold. It does not matter what order they come in. I received a $22 fee for each of the 9 transactions that was processed after the check. Many of these transactions were under $10. In all the years that I've had a bank account, I have never heard of something so ridiculous!! In addition I made a deposit yesterday that would have covered all of my transactions and they did not post it until this morning. I am closing my account with Wachovia IMMEDIATELY!

I was signed up for an Insurance Plan to which I never agreed; when I tried to cancel, they said it was taken care of. I was busy moving to a new area, and I wasn't aware the entire time that the Fee for the plan I never wanted was causing me to become overdrawn. Their own overdraft fees were further causing me to become overdrawn even more so; they kept multiplying until it got to $711+.

On 01/16/08 a $3,100.00 check from a State Farm Insurance settlement was deposited on a regular BofA ATM machine. A week later I called BofA customer service 800 number to ask about it, only to find out that the check was never cashed because it was issued under my name as well as my boyfriend's name. I asked the banker to send me the original check to my current address.

I am getting really tired of Wachovia telling me when I often ask if the deposit goes in first before any deductions are taken out of the account and I get the same answer of Yes however that is not the case.

In 1999 my husband and I were looking for a way to invest a lottery winning. Wachovia (First Union at the time) was more than happy to help us plan out our lives. We received so much support in investment strategies and oppurtunities for our future. We were advised to invest all of the money with Wachovia and take loans out against the money. Sounds dumb now, however, Wachovia showed us how our investments would earn more than the interest on our loans. Even if the markets were to change (which they did) we were building a long term relationship with the bank and that would work in our favor.

I canceled an online payment for my checking account. It is the first time I ever did that and I was under the impression that the payment was canceled. Wachovia still made the payment and because of that I was over draft and charged two over draft fees for the total amount of $70.00. I called and complained about this information and most of the people that I talked to said I should have realized the payment was not canceled. My response is that when I did click cancel payment? A pop up said cancel payment? Okay and I figured that everything was fine.

I deposited 100 dollars into my Wachovia checking account through a Wachovia ATM. I wanted to make sure it was in the account so I called the bank. Money was in, good to go. I made 3 transaction that afternoon, wrote it all down in my register, then went online to their site to verify it all. suddenly the money wasn't there. I got hit will a combination of Unavailable Funds fees and Over Draft fee's. The fees cost more than the 100 bucks I put in the bank.

I asked 15 days ago by letter for the transfer of my money in my French bank because I am now living in Paris. I sent also a copy of my passport and a piece of my blue card. Nothing has been done, and I have no way to communicate. The only phone number I have is an answering machine. Thank you to tell me how I can speed up the process and be sure it will be done.

I was admitted to the Veterans Administration Medical Center in Asheville North Carolina on July 9, 2007. I was discharged on July 19, 2007 after receiving 3 units of blood, 1000 milligrams of iron and platelets. I was given a diagnosis by the cancer doctor at the VA hospital August 13, 2007. I was told that I had had acute myeloid leukemia for at least a year and had approximately one year to live. I was hospitalized again on October 27, 2007 at Park Ridge Hospital in Fletcher North Carolina. There, I received both blood and iron and was discharged November 5, 2007. I have credit cards with Bank of America, Household Bank, Providian (Washington Mutual) and Chase Bank. Although I had Credit Card Protection with all of them, ONLY CHASE BANK immediately deferred my payments with zero interest from the time I let them know I had cancer. I called Chase Bank; they gave me time to send proof of my condition, it was that simple!

I have all but cleared out my account at Wachovia and only use it for business I can't do at My Credit Union 3 hours away. I am human and from time to time make an addition error. This time I was unaware that I had made an addition error. 2 transactions went through bringing me into the negative $7.02. Wachovia put through the larger of the 2 transactions first so the could access two $35 NSF fees. I immediately deposited $7.02 and called Wachovia asking them to waive the fees. The best they can do is now 10%. $7 out of $70. I tried to contact Ken Thompson the CEO of wachovia back in November to try to resolve another issue. His office would not reply. When I spoke to the people at 1800wachovia, they will not give out a phone # to there executive offices, but the will give an address.

I am convinced that Bank of America is profiting from charging bogus overdraft fees. When making cash deposits prior to the cut-off time, I've been told it would post the same day only to find out they post the following day, which has resulted in overdraft charges. Also I paid $28 to do a stop payment on a transaction only to find out after they sent the transaction through and that it takes 3 days to stop the payment. There was nothing in writing stating this and the customer service rep who helped me never mentioned it when I paid the $28, which was deducted from my account immediately. Then when I called customer service, they told me there was nothing they could do; but, valued me as a customer.

I opened a checking account online with a savings account. Months later BOA converted because of to many withdrawals. I understand the change to a checking due to the issue. However, they convienently forgot to switch the automatic savings plan off since it was no longer going into a interest bearing savings. This has caused many headaches for me.

Bank of America wiped out my checking account, without my authorization. My daughter, not on this account, was a counterfeit victim, she cashed money and the bank used my funds to cover their loss. However, she is not on this account, I did not have anything to do with it. I'm 83 years old.

Everything that I have read on this website about Wachovia is so true as I had it happen to me repeatedly over the past several months.

They have refused to return approximately $30,000.00 that was fraudulently taken from my handicapped, bedbound, and now deceased mothers accounts with them. I have sent them proof of this, the names of some of the people who did it, which I had to investigate on my own while grieving the death of my mother since Wachovia was doing nothing about it., copies of the checks along with some of the peoples arrest records, which include FRAUD.

I used to work for Wachovia for over a year. I left after two weeks notice. Apparently, they figured I didn't deserve the last paycheck I got by direct deposit. They took it back after I had spent most of the money and was still in the positive. When they took it back, they put me in the negative and gave me overdraft fees for about twenty or thirty check card purchases. The lady I spoke to at the 800 number refunded about one or two hundred dollars, but that's it.

I made a deposit of 731 dollars into my account which has now disappeared. I contacted the branch and they have no clue what happened to the deposit and they weren't going to take further action until I showed them a deposit slip. Luckily for me, I save these slips just in case. Now, they have made an investigation even though they can clearly see the deposit isn't showing and I have proof of this deposit. I am waiting for a check to go in for my rent and I am totally worried because they are taking 24-42 hours for the investigation. How can this have happened?

I signed up for a checking account on Nov 30, 2007. A bank representative offered me a credit card with BOA which I took. At NO TIME did I agree to Credit Protection Plus which was somehow added on without my permission. I was billed approx $90 per month. I have been out of town for 2 months and paying my bills online therefore did not notice the charge for over 60 days until I saw the actual statements. Neither Credit Protection or Bank of America will refund the money that was stolen from my account without my authorization.

We closed all our accounts with Bank of America in Oct. and Nov. of 2007. This includes all checking, savings and visa accounts. On Friday, Feb.1, we received a letter from Keith Palmer stating that he had in fact closed one of our accounts due to a history of delinquency with our creditors. Not only have we had to literally fight to close our accounts with Bank of America, but now we are receiving mail that in fact slanders our name and credit rating. The letter gives no dates or proof. This sort of treatment has been going on for some time, and we are feeling not only slandered but feel they are in fact harassing us and our good name. We have the closing receipts showing the dates all accounts were closed. The letter received from Keith Palmer is dated for Jan. 24, 2008--clearly after the date that all accounts were in fact closed by us.

Ihave noticed that Bank of America charged me $350 in overdraft fees because they charged out first from the big amount and them the small amounts, to make you fall in overdraft fees--even though you have spent small amount in the morning and the big amount after 4 pm. For Bank of America, it is when you withdraw money from your account after hours (4 pm), they won't count it for next day transaction; but if is a deposit after hours, they will credit it on the next day transaction. That is how my account falls on overdraft.

I placed a stop-payment order on Wachovia's website on Jan. 21. It was payment for COBRA health insurance coverage that I was informed, two months after the fact, that I did not have. On Jan. 22, Wachovia charged my account its $30 stop-payment fee. On Jan. 23, Wachovia honored the very check on which I had placed a stop-payment order. Wachovia refuses to credit my account the amount of check, and worse, refuses to refund the $30 stop-payment fee.

I opened a online CD after seeing an ad in Bank of America website for APY 4.85. However after signing up, the bank gave a rate of apy 4.75%. My complaint is about the time taken to reach a customer via telephone and their ability to resolve the problem. On the first attempt I spent nearly 50 minutes and gave up. Because they transfer from one dept to another and so on. And at one point, the system disconnected. BofA ask so many questions in the name of verifying my identity and finally that guy doesn't resolve, again goes to another dept. I did a simple math for the interest amount that I will lose on a .1% which is about $8 for 4 month. So I decided to give up instead of wasting my time. On a different note, I want to notify them about the maturity date and it is so far taken 20 minutes to reach them, so has to disconnect. Poor Service. I will not choose BofA in the future and eventually I will close all my business with them. Another funny thing they provide in the cd receipt of associate phone number as 800-432 1100 which takes to a bad entertainment line.

I went to Bank of America to cash a cashiers check I received for $4,000. I asked the teller if there is some way to verify the funds, or verify the check. The teller said this is a cashiers check, it is guaranteed funds--meaning there is no way it won't go through. I depended on the teller's promise to me that there is no way there will be a problem with the check. I wrote a check back to the sender of the $4,000 for $2,400, and found out that the check was later canceled as fraud. (I later find out this is a huge scam.)

On Jan. 16 I unintentionally overdrew my account by .93 cents. The next day I deposited $140.00; however, the damage was done. I have received four $35 charges totaling $140. I am presently overdrawn by $53.34 and have no way of catching up. I was told to take a register because I don't know how to count.

Recently I accrued a total of $155 in overdraft fees. The first overdraft fee was posted before a negative balance was shown. If you add the overdraft fee to the available funds, the next charge would have cleared with money to spare. After contacting Wachovia I was told that this happened because other purchases that were on hold? had amounted to a larger sum than the available funds. Three subsequent overdrafts ensued the following day. Realistically, two more should have occurred based on the sequence of purchases. I say two more because of the largest to smallest processing these banks are allowed to conduct.

I had 2 cd's mature in Jan. One on the 12th, one on the 19th. I called on the 12th to have money sent to me. I called again on the 19th and asked also about the one on the 12th. Told they could not mail it as they had a po box. I gave them my address. They said both checks would go out express mail, no charge. Then I got an email saying the check from the 12th went out on the 14th! They cannot tell me where they sent it for sure. It is the 25th and still no check. I learned from them that their normal practice is to mail those checks out 3rd class mail, 7 to 10 business days!! They keep your money tied up in their bank for longer, by not using 1st class mail, or they want you to pay $16. for express (which they call 1st class) 3-5 days.

I have incurred $105.00 in overdraft fees when my account is not overdraft. They are charging me on pending charges from my debit card that have not yet posted from the merchants. How can they charge fees on money that has yet to change hands? If the account is not overdraft - how can an overdraft fee be charged?

Wachovia is a very sneaky bank in my opinion. I believe that they have a policy that they process the highest or most amount of money that you spent on a check card. I fell victim to this very sly way for gaining another dollar. I had deposited $31.22 in my checking account. I've come to this website before and I knew that the Online Banking that Wachovia has is somewhat delayed in the time that the information is processed. So after depositing the amount the $31.22, I waited 3 days for the money to be processed. Soon afterwards, I made two purchases online, which brought my account down to about $5.62. After going online, I saw that it had been correctly deducted from the account. So, I make another purchase, which I end up overdrafting on only 24 cents. To balance that, I deposited $5 into my checking only 2 hours apart from when I overdrafted. So the next morning, I see that I have overdrafted $22 two days ago! Apparently, when I deposited the $31.22, I seperately withdrew $18 dollars and had $12. Then I overdrafted somehow, which put me in by $22 and the next day, I put $5 into the account first. THEN spent more money on the next two purchases which gave me even more overdraft. The total owed was $85 by the end of the day. So my question is, how could I overdraft, when I apparently spent $18 from $31.22? And yet, the representative I spoke to said that I only had $12 and that I spent over that.

I had made a payment to my car insurance company with my check card from Wachovia and about an hour later went online to Wachovia to check my account and to see the balance. After I had made the payment to the insuance company, I had a remaining balance of just over $100. That was on the 20th of January. On the 22nd of January I made a deposit of over $350. In between that time a few check card purchases were made each not exceeding $10. Just before leaving the house to go grocery shopping on the 25th of January I go to my online Wachovia account which to my complete shock says that I have a balance of $58! A fee for $4 for a non Wachovia ATM withdrawal and a $140 overdraft/unavailabe funds withdrawl is showing on my account BUT when I check my account and ask for a listing for all ATM withdrawals it shows no ATM withdrawals! How can I go from accounting I have at least $400 in my account to the online account showing I have only $58 and withdrawals for overdrafts and ATM fees that I have not done nor should be charged for! My husband and I are so upset and as of today we are closing our account with Wachovia.

My personal checking account was debited $5600 without any notification because they stated that my husband owed a balance of B of A credit card. I asked what that had to do with my personal funds and was told his social security number was traced and his name was added to my account.

My husband and I have our business account with Bank of America. On Jan 15, 2008 a $867.24 check was debited twice from our account. I called the bank and the customer service rep said she filed a dispute and the money would be credited to my account in two business days.

I went to Bank of America to cash my paycheck (as I do every two weeks). They handed me a counterfeit $100.00 bill, and of course I did not realize it until I tried to use it to pay a bill. The person I gave the money to, retained the bill. I went back to Bank of America after realizing what happened and their answer: Sometimes that happens!

A few months ago I noticed that Bank of America's billing system was putting the due date on the weekend. However, their online payment system will not allow you to use a weekend date. I called after the January payment was credited to my account on the 14th to ask that the late fee be removed. I was told "No, we are not going to do that." After an exchange with a rude customer service rep, I asked to speak to a supervisor. The rep told me "It will not do any good; she is not going to remove it either." At that point I informed her that I wanted to report her bad attitude; I'm still waiting for their call.

Bank of America just loves to complicate things. Their online bill-pay service is intentionally misleading and deceptive. I paid someone $150 with this service. It was set to be delivered on a specific date. On that day the website said it was sent, and the funds were withdrawn from my checking account--except they weren't. I noticed the balance had not adjusted. I called the 800# to ask about it, and they said they do not withdraw funds for at least 24 hours. But that's not what bill-pay said; bill-pay said the withdrawal was made the day the payment was delivered, nothing about a delay. If I had not caught that I would have spent money that was already spent.

I did a wire transfer using Bank of America in Baltimore, MD to my own account in India using SWIFT codes. I was told that India is a slow to pay country and it takes about 3 weeks and no investigations would be done till then. It has been 2 and a half months and it hasn't gone through. My bank in India has not received any information regarding this from Bank of America and Bank of America is not willing to help. Every time I contact them, they tell me that they are sending e-mails to the bank in India to find the status and that the money is in India and nothing can be done about it and it is possible that I might lose my money. I have no clue as to how to go about it. Please help!

Last 3/2006, called into BOA to check my account balance, and found that I have been charged $300 for a safe deposit box! I have called their customer service operator and have been told that I am listed as an owner of the box. I have tried to explain to the person/s who I spoke with that I was not the owner, but rather, the signee to have access to the box in the event of an emergency! I was told that I would need to speak to the branch location to have my matter resolved.

Bank of America denied payment on Jan. 4, 2008 of a credit line check issued Dec. 28, 2007 in the amount of $7000 to solve a business collection account. The bank later claimed that they had unilaterally closed this account without notice to me on Jan 4, 2008. A letter dated Jan 4 was received in the first class mail on Jan 15 stating that the account was closed. Their explanation was that one payment on this account was late, but no notice of the payment being past due was ever issued until after this account had already been close.

Bank Of America has charged me a fee of $100 because they received a court order to garnish my checking account. They said it was non refundable. If any one is going through some financial difficulty wouldn't your bank be the first place you would go to for help? I lost my job 9 months back and things became tight. Some of my creditors were put on the back burner because keeping my house was my main focus. I'm now just starting a new job. I feel that the fee my own bank charged me is very unethical or should I say down right wrong.

All of my bills are due on the 8th, since I prepare bills the end of the month. I was with MBNA, and when Bank of America bought MBNA, I arranged for a payment due date of the eighth of the month. It has been about a year since B of A has the account. Preparing bills the end of Dec, I noticed the bill was due on the first of Jan!There is no way the mail would get the payment to B of A in time to avoid a late fee! I called on the telephone and made the minimum payment, $15, (sent in by mail half of the outstanding balance that day also), and was told there was a $15 fee for a telephone payment. I complained about the date change without notification, and was told essentially that the old due date will be re-instated, but I have to pay the telephone transfer fee--and be thankful I did not have to pay a late fee of $35! Boy, that is scraping the bottom to make a (dishonest) buck. I will not be using this card in the future. I expected better from B of A. Be on guard!!

My son has a campus checking account in my name and his. He made a debit card transaction on 11/29/07 that didn't show up in his account until 1/7/08. We thought it had cleared back in November. It did not show up as pending on my online banking; it just cleared overnight. Due to BOA's policy of processing the largest debits first, down to the smallest, this transaction, which should have caused, at most, one overdraft fee ended up causing five, totaling $175. BOA, after I pitched a fit, credited back $86 of the $175, and then I was later able to get another $35 taken off. This is the second time in a week that I have checked the account before the cutoff time each night for transfers, thought the account was in good shape, only to wake up the next morning to a handful of overdraft charges. Some of these charges come from ATM withdrawals, where they could have simply refused the withdrawal if there were insufficient funds. I have researched banking law, and everything they did was legal. My complaint is that it should not be legal. I don't feel good about entrusting my money to an entity that is using every legal means they can devise to get it away from me. I'm ready to put it under the mattress.

On January 7th, I checked my bank balance online which gave me a positive number. On the 8th, I made a deposit for over $200. Later the same day I checked my balance online and found that I was charged three overdraft fees even though on the 7th at night, I had a positive balance. The total amount of the debits were less than thirty dollars. The charges were more than three times the amount that I had charged. I made these charges because my bank balance was positive and more than the amount that I had charged. One lady told me that as long as I deposit money, there wouldn't be any charges while another representative told me that the bank will go back and clear debits or charges on the day that the card was used, not the day that the transactions cleared. Regardless, I'm out $105. On top of it all, I went to use my husband's ATM card which was not a Bank of America card. I waited for the card to be returned and it was not. I then went to the teller and told her immediately. She said they do not return ATM cards from other banks. My husband then had to cancel his card and order another one. He got charged three dollars for the transaction plus a loss of the card.

I sent a wire transfer of $4,500.00 from Bank OF America Orlando, Florida on 10/10/2007 to Trinidad, and to this date the recipient has not received it and neither has their bank any information about the transfer. I faxed my wire transfer receipt to the bank and the recipient and confirmed all the information I gave to Bank Of America was correct, but still they have not been able to transfer the money, and the money is not in my account. This is all my savings. I have been to the branch several times, I called their wire transfer department but they are pointing fingers at each other - the wire transfer department which I called on 1-800-729-9473 said I should speak with the branch I sent the transfer from, the manager Mr Evans & the assistant manager Ms Patel is saying it is in the hands of the wire transfer department. This is very bad business, my relatives needed this money for medical costs, I have to keep chasing these people, and all I get is bad customer service and serious runaround for my own money. This transfer should have only taken approximately 3 days, it is almost a month now and nothing, can't I get some justice here?

My husband and I are traveling. We are approx 100 miles away from home. i called B of A to request an increase of the amount of money that i am allowed to withdraw from any ATM (i have done this many times in the past without problem). When I made the request via telephone with an actual person I was immediately placed on hold and subsequently disconnected. I then called back and was told that my B of A bank card hes been cancelled and there is nothing that can be done to reinstate the card and furthermore there is no possible way that I can get access to any of my money in the bank. I have called 8 or 10 different individuals at B of A including their emergency services unit and every one of them are refusing to help me get access to any of my money.

I went to the bank with $1000 worth of checks which I wanted to cash against one account (one I have with my mother) and deposit the cash in my account. My mortgage payment was scheduled to be electronically withdrawn the next day, and I wanted my deposit to go in as cash. I was told that they could cash my checks for me and give me the cash, but they would not deposit the cash in another account for me. I spoke to the bank manager, and he gave me the 1-800 number to make a complaint to. When I left the bank, I called and they told me that this is now a rule. It makes no sense to me to be able to receive cash for the checks, but not be able to deposit the cash. They explained to me that this rule will help reduce fraud. I think it's an unfair practice for the consumer.

I worked for Progress Bank in Plymouth Meeting, PA for ten years plus 5 months. Approximately 7 months before leaving the bank, I transferred my 401k to Vanguard (completely forgetting I now had almost a year’s worth of 401k funds that I had not remembered to transfer). Consequently, Progress Bank was sold to Fleet Bank. I allowed my checking and savings account to be moved to Fleet Bank. About 3 years after buying Progress Bank, Fleet was bought out by Bank of America. This past September 2007, I received a letter from Social Security telling me that $2,195.00 in IRA/401k funds were showing up under my name. My first step was to see my branch manager at Bank of America in Trooper, PA.

I went to an ATM to pull out money for lunch, when I got my balance receipt it said my balance was -$9. I called the bank to find out how I could have a negative balance and they said they give me the money from the atm as a courtesy, but charge me the overdraft fee anyway. Due to the money they let me take out and my poor banking skills I overdrafted three more items under their pay the highest debt first rule leaving me with a balance of -$198.80. I asked them to return some of the $175 in overdraft fee's and they told me no because of previous accout refunds for problems with their deposit processing scam - the one where you have the money available, but it can't be used to pay things because it hasn't posted.

I was charged 8 overdraft fees in one day! The policy states 5 days (so I have heard). I asked the customer service rep about the policy and he said it was 5 so he refunded me the 3 that weren't supposed to be charged. This is computerized, right? That seems like a scam to me that if a person doesn't know the policy then they just pay it.

My husband and I are on disability that we receive by wire transfers from the state and federal into our Wachovia account. One is on the 3rd and the other on the 1st. Before we became Wachovia we were called World Savings and Loan. When the transfers of our fixed income were made they put holds on them, so that 10 transactions came through and they bounced them to the tune on $225. Right now I can't get a hold of them because it's the middle of the night. I was worried that this might happen so I checked my account earlier today and they had my wire transfer made and no other checks had come in. I couldn't sleep so I came in to check it again and now see that they have done this. So My husband and I are going in tomorrow and closing our account with them.

In October of 2007, my payment of $500 to my equity line was never credited to my account. When I inquired at the bank, I was told to send proof of payment. I sent a copy of my check endorsed by Wachovia. 3 weeks later, I called again, since nobody ever contacted me, and was told they would not give back my money until they had investigated where it was. 2 months later I was told I never sent in the proof! 3 months later, I still get a run around, as if it is the first time they have heard about the problem. I have been paying interest on the balance without having my payment credited.

I am currently a Wachovia employee. I have just given my two week notice; all the complaints on this site are so very true. It's like I am employed by Satan, and I have to sell my soul (lie everyday) just to get a paycheck! I am tired of having to explain that YOU MADE A CHECK CARD PURCHASE, WE PUT THE FUNDS ON HOLD, HOWEVER, WE ALSO LET YOU MAKE ADDITIONAL PURCHASES, STILL USING THE FUNDS ON HOLD, AND IN THE END CHARGED YOU ALL THESE FEES, HOLDING THE TRANSACTIONS, AND PAY THEM FROM LARGEST TO SMALLEST, (NOT HOW THEY ACTUALLY POSTED), JUST TO GET $35 FOR EACH ITEM PAID!

I was charged over $250 in overdraft charges. I always call my bank when I am going to make a purchase; when I called the bank it said I had $54 available. I made a purchase at the supermarket and at a local store in the same night; the following week I went to make a deposit in my account and it was overdrawn by $70. Then there was an error draft on my account which caused more overdraft fees that just domino'ed until it reached over $250.

I am constantly losing money to overdraft fees to these banks because the are given the power to set up their banking system to rip off American citizens for billion of dollars a year. There are too many times this happened to go into detail on what happened. The point is that England fought for her citizens, and America need too as well.

We have done business with BANK OF AMERICA now for over 5 years. When our son turned 18 we opened his first checking, savings and a credit card. We watch our bank account online everyday to make sure all is well. If you look at your account first thing in the morning you will see what was debited from your account that morning, and if it is negative you can go to the bank and deposit CASH so it's credited that day--and then there are NO NSF fees. BUT I checked it on Dec. 23-Dec. 25, 2007, and my account was positive and all was well. THEN the morning of the 26th I checked it, and it was $22.00 negative, and they back-dated it to the 24th. I went to the bank as always and deposited the money to make positive, then that night they hit us for $105.00 NSF fees.

My husband found out at the last minute that he was due to deploy way ahead of our initial schedule. My husband, in an extreme desperate plea, went into this Bank of America location to request a notary on a passport--and it happened to be Christmas eve because he was told he was leaving on the 26th. He was turned away because he wasn't a member! I am appalled that this business is privilidged enough to be located on our Post; and my husband is getting ready to leave for war to fight for them, yet they turned him away. I say Bank of America should no longer be on our bases to serve our military, as they choose not to serve them in time of need. I'm a very angry, upset Army wife.

I have been with Bank of America for about three years. I switched from a local bank due to them not having internet bill pay. Over the last two years trying to get a live person on the phone without having to go through their automated voice system is an effort; you better have at least an hour of your time to do so. I went to a local branch in order to clear up some issues with my equity line of credit, and they gave me an 800# to call. They could not help me in the same bank center that set up my account. I was transfered 5 times before someone could help me, and then I was instructed she would have to transfer me again in order to draw funds out of an account to pay my equity line of credit.

I recently was charged $220 in overdraft fees from my Bank of America checking account. I over withdrew 5 times so they charged me $30+. I had a pending deposit yet they still charged me the fees. I think recharging people a $30 fee every time you overdraft is excessive. There should regulations in place to restrict how many times they can charge you after a certain amount. When is someone going to look into their policies on excessive charging of fees at this bank?

On the evening of December 6, 2007, I made a deposit of 4 money orders at a Bank of America check card, for a few days later I made out checks to pay my bills and used my ATM for a couple of purchases. I went on line a couple of days later to check my balance, and I discovered my account was a negative the amount of the deposit I made and all checks and ATM purchases. I was charged a $35.00 over-draft funds fee. From first glance it looked as if the money was credited and my withdrawals were subtracted, but it wasn't; and after several attempts to get BOA to release my money, they refused and continued to extend the day my funds would be available which would be on December 15, 2007. Then they said December 18, then December 19.

On Dec 10th, I attempted to purchase a phone online and when asked to verify my billing address with my (BOA) visa debit card it was denied. I called customer service and was told, "sorry, we have your information (address phone # and birthdate incorrect)" and that's after I had to give them all my info because they did not believe it was me. So finally the correct update was made. We have been customers of BOA since 04 and have lived in our home for 10 years. No alerts were sent..

My husband fell behind in child support, & our checking acct was levied. I understand, but the courts or bank did not send us anything advising this was going to happen. Lo and behold, my paycheck goes in and it is still negative. They charged us $560 in fees. We used $3.12-$35 fee. Of course the higher amt was paid, but the small charges add up. I contacted the customer svc line and advised her I did understand, however, it is Christmas, and I have two children myself who will now not have a Christmas, or food for that matter. She told me to not have a joint account with my husband. I begged and pleaded for them to reverse my fees, I really don't want to ruin my children's holiday and we have been customers for over 15 years. She said she would waive $120. She never did and now, for some reason, after we have already brought the acct to a positive, we are negative $200 again! I can't even deal with it anymore. We live paycheck to paycheck, it is Christmas time, and I worked at a Credit Union for several years, and we would never have treated our members like that. So I have now opened an acct at a credit union and will NOT pay the negative balance to B of A. I am so disgusted with them!

While visiting our children in the USA, my wife and I went to the Wachovia Bank at Midstate Mall, 300 Route 18 North, NJ 5618 to cash American Express Travelers cheques. After I completed and signed the cheques, I was rudely pulled out of line and told by Cathy Balewitz (sitting at the front desk in the lobby), that my cheques would be refused to be cashed by the bank. No explanation by me was accepted. My request to speak to somebody with authority was refused. I begged her to please check with her Head Office without success.

I purchased a new 2007 Hyundai Santa Fe in Aug. '07,and Wachovia Dealer Services is the auto loan provider. Before accepting the vehicle I obtained approximately a 1.8 million dollar insurance policy for full coverage on the new vehicle. The full coverage was verified through Farmer's Insurance at the Dealership and forwarded to Wachovia. From August 2007 through December 5, 2007, the insurance agent, the policy holder/provider and I have faxed, phoned, and certified mailed, full disclosure of full insurance coverage. Wachovia arbitrarily assigned their designated insurance coverage, attached it to my auto loan and proceeded to add that insurance, as well as subsequent late fees and collection charges, to my auto loan acct. To date the 2 agents and myself have contacted the company on average of twice weekly.

In 2005 I bought a new Dell computer from Costco here in San Jose. I had an Internet account prior to the purchase and decided to sign up with AOL's free trial 60 day promotion. I cancelled the AOL Account three days later after getting my regular internet provider installed on the new computer. I went to Bank of America and opened up a new checking account to keep the AOL and other purchases seperate from my regular banking. I kept receiving NTSF notices from B of A for six months in a row until I requested and recieved a paper copy of my checking account. AOL had developed a SECOND AOL account and was charging me full price each month! I notified AOL after numerous tries, 32 times, and their responce was, "Yes, we can see you never used your account after three days but we will only credit you for 2 months only."

A check was mailed to the bank made out to me. I never had seen the check and I did not endorse it. The manager and the ATM informed me of a high balance. The manager tried to sell me securities. I withdrew funds. I was accused and indicted for Bank Robbery and Forgery. The bank refused me a line of credit to repay all of the funds. Thanks that they were absorbed by Bank of America at this location.

We contacted Bank of America in late November 2007 to close our account with them. They asked if there was anything they could do to keep our business. We asked for a 0% offer until November 2008 on $18,000, and they agreed; but there was a $90 balance transfer fee that we were willing to pay. We since have gotten our first bill from them and find out they charged us 1.9% on the loan and have no record of the transaction or who did it. We are furious and don't know where to complain. This is a terrible business practice. The man on the phone said he had to talk to his supervisor two times, and then went ahead and told us it was a 0% offer only to cheat us out of $90. Now we have to move this money somewhere else.

My sister deposited $640 to my checking account, and when I went to take it out, it said funds were available. Then they told me two days later that they weren't available ,so now they are charging me overdraft because I didn't have enough funds to cover the $640 withdrawal. I feel this is a form of trickery, and I feel I shouldn't be charged.

I went to my Wachovia branch this morning to deposit a check (a Wachovia check) that my husband was supposed to deposit yesterday, but didn't. In the meantime, several very small (none over $12.00) check card purchases and an ATM withdrawal of $20 are showing on my account. Unfortunately, the purchases caused an overdraft of $-42.63. I had $50.00 in my savings for supposed overdraft protection which could have covered these purchases had it been transferred over BEFORE they assessed $175.00 in NSF fees. I called and spoke to 2 different people and they explained to me how 1) online is not real time and 2) that's not how overdraft protection works. I'm so upset that this is their explanation - it doesn't make sense that the overdraft protection really doesn't protect from overdrafts at all. I don't believe that the overdraft protection is protection at all. If the $50 doesn't make a difference (as they claimed), then why do it at all? And then charge me $10 to process the transfer on top of it. The rep refunded 15% of the charges ($26) as a courtesy, but I still feel like I've been lied to about overdraft protection when it was pitched to me.

On a Monday afternoon, I received my check and went to my bank, BofA, to deposit it. Later that evening, I went shopping and had no problems for quite some time until I went to a store, scanned my debit card to pay for my purchases, and it was declined. After a few more times scanning it still declined. So the cashier scanned one item at a time, and had me scan my card for each item, which happened to work. Trying to figure out what was wrong, I went to an ATM and tried to withdraw some cash. The atm wouldn't allow this, so I went home and checked on-line banking status: $509.45 in checking and available balance of $0.00.

I worked at SouthTrust Bank for twenty years. I resigned to go overseas. Upon leaving I was told, "Stay in touch. You will have a check coming upon retirement." I return to the USA and find that SouthTrust Bank has merged and is now Wachovia! I have contacted them with no luck--both locally and at Wachovia's home office, out of state. I've searched the internet for possible links....with no luck!

I cashed in a cd that came due on Oct. 16,2007. I called Wachovia and asked for a dispersment of the funds. They said they will send me a check. 5 minutes after I called the funds were removed from my account. As of today,Nov. 28 I have not received a check.

I am furious with my recent experiences with Wachovia. I check my account balances daily if not more than once a day. First of all, you cannot count on the information. They change it to force overdraft fees. For example, the ATM and withdrew $20 in one transaction. I then immediately made a deposit into this same account. Later then I looked at the account, there were FIVE transactions in between the deposit and the withdrawal! I then get home and make screen prints of my online banking screens and that balances they gave me at the ATM were NOT there!!! I have even had them rearrange the withdrawals and deposits in my account to cause overdrafts!

I recently had to withdraw money out of a BofA savings account. Although I did make an early withdraw I feel BofA was way too stiff with the penalty. They have raised the fees too high, and I feel I have been treated unfairly. I would like to know what I can do to get BofA to waive the fee and return my penalty money; if you could help I would appreciate it.

In March 2007 I closed a checking account at Bank of America and opened a new account. The account that I closed, re-opened and the mortgage with Bank of America was then drafted out of the old account; but funds had been placed in the new account. I have been to four branches, e-mailed, called on-line banking and the dept. to work out problems, and cannot get this problem resolved. My home is now in foreclosure.

I never dealt with a bank like Wachovia. The people of this bank are unprofessional, and lying to customers is their motto. I deposited a check through their ATM hoping it will be cleared the next day as they promised when using ATM for deposits. That did not happen; it took 10 days for the check to clear, and every time I call they gave me another lie. I CAN'T WAIT TO CLOSE MY ACCOUNT WITH THIS BANK. I really do not advise anyone to bank with these kind of people.

I deposited over $3000.00 in my BofA ATM on Friday morning, as I have done for over 6 years. Saturday, I noticed they had not posted the deposits. I called and the person said they were on hold because they were out of state checks. Well, they have been processing them for 6 years. He said they would be posted in a week or so!

#1-Wachovia did not credit an ATM deposit made before 4 PM stating teller work was not complete.

Wachovia charged an overdraft fee for an hold that was not charged. I was charged 2 overdraft fees for a hold that was about $1, which caused my account to be negative 28 cents, so Wachovia charged a $57 overdraft fee. This is more than 200 times the 28 cents! Unlike other banks, Wachovia does not refund overdraft fees for less than $1.

Bank of America solicited me for a $50,000 personal loan. They said $7200 would pay off a Bank of America credit card and the balance of $42,800 would be deposited directly into my checking account. The statement arrived and it had $1500 in fees added to the new loan with a credit line of $53000. They never disclosed the fees and said I was told over the phone about them. I disagree. They never said anything about a loan over $50000 and no discussion was made about fees of this nature.

Nothing I was told to consult my crystal ball and physic advisor the next time i want to balance my check book. years of schooling: 2=2 out the window. 2=3

On November 13, 2007 I Alethea Smith went to a Bank Of America ATM Machine to Deposit $100 dollars CASH. When I started my transaction, it prompted me for a receipt so I pushed yes. I deposited the money in the cash slot, it took my money and gave me my card back with no receipt. So I called Bank of america 800 Number and they told me the $100 Dollars didn't deposit and they would need to do an investigation and it would take two days and it should be back into my account.

i did pay over U$300 for this mistake

I had a Bank of America checking and savings account. I noticed that there was an additional Visa card account associated with my account when I checked my statement online. I called to inquire about what appeared to be a credit card on my account. I was informed that when I applied for a homeowners loan through BofA, a credit card was opened in my name. I did not authorize this, nor did I consent to this. I asked for the card to be closed, but I am fearful that it will and already has affected my credit.

I closed my account with Wachovia Dinero Directo on October 5. I wanted them to return the $192 to my Wachovia checking account. Today is Nov. 10, and I still have not received my reimbursement. I keep calling the customer service center, and the representatives keep telling me that I need to wait 5-10 days.

Recently we wrote out a check in order to pay a utility. Due to a miscalculation on our part we issued more payments than we had money. When the utility check came through it was cashed before the five other payments that had already posted. Instead of one NSF charge we received five NSF charges. I talked to the bank about the issue and James told me that this is what happens when you spend more than you make, and that I was welcome to apply for a BofA credit card to pay the debt to the bank and act as a overdraft protection fund.

Today I finally had the sense to close my Wachovia account for good. I had banked there since high school. I frequently check my account via Wachovia.com; however their website is not real time and is delayed quite a bit. When I asked a phone representative about the delay she couldn't explain, but said they get numerous complaints about the web daily. You can log in and try to monitor your activity but Wachovia does not show all the transactions as they occur. Or they will change the order of the transactions even after they have posted.

Our bank was World Savings and Wachovia took over on Oct. 15th. Wachovia sent us a booklet the size of a small yellow pages, written in lawyer language so the average person really has to know banking lingo to understand. Yesterday I deposited a check from a World Savings account into my account which is now Wachovia. I was told that the deposit would be directly put in since it was basically cash. I checked my online account and the deposit wasn't there. But there was an NSF charge of exactly $75.00; they had bounced 3 transactions.

Three separate times I have been dinged by Wachovia and their magical accounting system. I have had purchases days before, and then they create overdraft fees because something was being held. Recently I deposited cash, and it showed that it was in my account. Then there were two charges on the debit card for which they charged overdraft fees. My cash was deposited at 4:00, but the account still showed an available balance. I will be pulling my account as soon as possible. I have been charged over $700.00 in overdraft fees because of their accounting method. I'm tried of being their cash cow.

I am closing my account with the Bank of America after more than 30 years. Their customer service supervisor was very rude. I called telling them that I was depositing a check into my BofA personal account and would wait for it to clear before transferring funds into my BofA business account. In the meantime, 2 checks were posted to my account, and I was charged $105.00 in overdraft fees! The two people I talked to about this were not helpful.

I had several transactions charged to my Bank of America account and most were fraudulent. I have filed a claim which is to only take 8 business days. Today is past 8 days and no word has been given as to when this matter will be settled. I am in need of both my account and funds. I am refused access to my account by computer or mobile. They have spoken to me about closing the accounts but then they would not be responsible for refunding of the lost monies. During this one month period I have had 3 pay checks wiped out completely by overdraft fees totaling over $500. I could lose my home if this is not cleared.

I have had a Bank of America Account since 2005 or 2006. In April of 2007, an emergency caused me to have to apply for a payday loan. There were some problems with amounts the company was taking, and I called Bank of America to let them know that I no longer wanted this agency to go into my account. Since then, the company has tried to put through more than 10 payments. Bank of America is charging me a $35 fee for each one. I asked them to change the account number, just to keep the account above water, and they failed to do so. Today, I owe BOA $320 in fees and have changed my deposit amount to $1. Something needs to be done about the way they are treating their customers. They are functioning as the middle man for me and this company, and only I have a contract with them.

I think Bank of America is a rip off. They finagle my account in anyway possible to collect overdraft fees.

In August, 2004, I called Bank of America to inquire about a newspaper article that listed a Teacher Next Door Program. The representative advised me to open an account so that, in the future, should I attempt to buy a home through their program or make investments, I would have a better chance because I would already have been a customer. The representative was allowed to open an account in my name. When he asked how much I would deposit and keep in the account, I told him that I'd gotten an income tax return of about $5,000 and would probably deposit it at a later date. The representative opened an account as though I had already deposited $5000, and from that point, I was charged a penalty for the account being below the minimum of $5000. The representative had no right to open an account of that type without the minimum deposit of $5000; the account was opened with a deposit of $100.00. When I discovered I had been penalized from the inception of the account, I went to the local office. I was told there was nothing that could be done because I had not opened the account in that office. I was told to call a toll-free number to get the problem taken care of. When I first called the toll-free number, I was assured that the problem would be taken care of. When it wasn't, I called several more times and got no assistance even though I was told the problem would be researched and someone would call me back. Today, I called and was told that no one can go back that far for a dispute and that I had only 60 days to dispute any wrongful charges. The salesperson had no authority to open an account without the minimum required deposit and I would like my money refunded immediately.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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