Bank of America Online Banking Reviews

Customer service is run by ** who give cut and paste responses that are ridiculous and impersonal. They told me to "please visit your nearest BoA service center" which doesn't exist here. "Please call our CS number", sure, at my own expense while I sit on hold for 30 minutes "waiting for a representative to become available". I am not only insulted but absolutely disgusted that in a global economy, which encourages people to work in many locations, the largest bank in the world cannot be more accommodating with their "online" banking services. If you are an expat or planning to move overseas, do not rely on Bank of America for your financial services. You will be left without being able to access your own money.

I have over $10,000 in education money that I cannot transfer to my son's college. To access the funds, he will have to open an account at BoA, which is a great inconvenience in his location and figure out how to move the money to his school. It is not a satisfactory or effective solution. BoA gave no alternative except to use a US address (which I can't legally live in two places) or "stop by their banking center".

This has happened at least four, if not, five times in over two years of payments and the fact that their system doesn't record so much as an attempt when this happens. As far as I'm concerned, my track record, and my clicks, I've never missed a payment until now. I just attempted another payment this weekend, and sure enough, nothing. There's no failed transactions and no canceled transactions.

And although I will make good on my payment, I'm sure it's been recorded as a non-payment and I have a late charge. In reality, I made the payment on time as usual. Of course, there's nothing I can do as an individual. I know this. There's nothing any individual can do against a mega corporation like BofA or Bend over Again (Thanks for that one, by the way. It fits nicely.) But I appreciate this site for allowing me to vent, because I'm about fit to be tied. Thanks.

Damage I suppose is minimal. Who cares if anyone gets a little fee and a missed payment on their record. I care though. I'm one of those who prides his self on these things. I'm fortunate enough to say I have never missed my rent or auto payment, even though BofA thinks they're being smart by messing with folks like this. I'm almost sure that when this adds up over all the customers they do this too, it adds up to a pretty penny. And I know from my own knowledge about software and the way it works. Things like this can't and don't happen if they don't want it to. It's built-in and done very much on purpose. So thanks again for letting me get this out, because people should know that when software makes "mistakes" like this, it's done on purpose by the company which designed it to operate that way.

The next day, I checked my account; and lo and behold, there were two mortgage payments deducted from my account! I only wanted one. I never gave instructions to have two deducted from my account. Obviously, some error occurred most likely at the website. So Monday I called, spending 45 minutes before finally reaching the right party to assist me. I was sent to the Payment Research Dept. where I talked to Sharon. After a lengthy discussion, she told me it was approved for reversal and that it would be deposited back into my account within 72 hours. That would make it Thursday; but being a holiday, I shouldn’t see it until Friday. Ha, ha, ha. And so begins the string of lies/deception/whatever I was given regarding my money.

On Tuesday, November 24, I received another confirmation from Bank of America which I erroneously thought was another payment notification. (I was told on Monday that I should have 2 confirmations, but I only had one. So naturally when I saw B of A confirmation, I assumed it was for the second payment withdrawn on the 20th.) Now not knowing what is going on, my thinking was oh no, they deducted another payment! What is going on? So, I contacted the bank again. I was assured that no further mortgage payments were deducted. I told the associate that this 72 hour business was totally unacceptable. Monies were withdrawn immediately, but crediting my account back would be 72 hours? No, no, no. The associate then told me that the money goes to the Federal Reserve and it is difficult to get the money back and that is why the time frame. Again, I found this unacceptable but had no choice. In other words, tough luck lady...

On Wednesday, November 25, there was still no money in my account. So I called again - going through tons of hoops and holds, only to have the connection lost during one of the phone transfers. By now I was completely agitated so decided to stop in person at a B of A banking center and have a one-on-one assistance. I went to the Massaponex Banking Center in Fredericksburg, VA and talked with Doris, who went hoops to assist me. After about 40 minutes, she assured me that I had been approved by the Payment Research Dept. and I would see my money in my account either after midnight (Thursday) or first thing on Friday.

Neither Thursday nor Friday gave any results. So around 11:30 am, I called Doris and asked her to please, please find out what is going on. She was reluctant and stated why didn’t I just do the calling. (See above.) It was somewhere around 3:30-4 pm before I heard back from her. Basically, she could do nothing and I’d either have to call myself or just wait.

Back to the Payment Research Dept. where I finally connected with another associate (she was very nice considering I could hardly talk because I was in complete tears)… But now I was told that the bank was shorthanded all week and my approval just sat there. It would be credited to my account ASAP as she wasn’t putting a rush on this. Well, Saturday, no money; Monday, no money. It is now 10 days from taking my money, making it impossible for me to use; I left with the feeling I was being given the runaround. First thought, oh, it’s the end of the month… hmm… reports need to be done. Gee, if they did this to say, another 500,000 or even 5,000 people, imagine the amount of money B of A is getting to use!

Well, I created a list of contacts to file a complaint on Bank of America. However, I thought I’d give it one more chance. I called the B of A Center in Central Park, Fredericksburg, VA where I talked to a very nice and understanding manager Keith. He apologized and agreed that I was treated unjustly. He stated since my Friday conversation was after 2 pm and that the associate said she’d put a rush on it, I should definitely see my money back in my account by Tuesday, December 1 (today). Guess what! Nothing! It is now 11 days later and I still don’t have my money back. Customer service is abhorrent!

I explained how pissed off I was. She said she would notate the account. I logged on to my online account and all charges except the one the rep had mentioned had been deleted/purged and did not show as pending or declined - nothing. I am pretty sure removing the transactions is illegal. Upon trying to re-authorize charges after talking to Bank of America rep, they were continuing to be declined - 3 times. I have to assume they have turned off my card - which seems like it should be illegal as well. I had to use another credit card. While I am at it doing some complaining, they raised my interest rate many months back and I don't miss payments and am under my limit at all times. Oh yeah - their online internet app showed that I made a $5,000 payment yesterday. Funny, how they will take my money but won't let me spend any.

And this is not the first time Bank of America has not authorized my transactions (even to the same vendor). I believe they are using government bailout funds for company programs designed to deny card holders the services they signed up for and continue to pay for (and that Bank of America is expected to provide). It seems like Bank of America has failed to provide their contracted services and is using government funds to fund this endeavor. This is outrageous - and it's time for a class action. It's time to nationalize the banks (starting with BofA).

It turns out that without informing me (to the best of my knowledge), Bank of America created a separate web page with a tiny link which is (as I was told too late) an account transaction history page. Transaction history is something that I was used to seeing when I logged in, as well as being informed, via "low balance threshold" alerts to watch my spending. This is an unnecessary added layer to encourage ignorant spending and increase revenue via overdraft charges. My "low balance threshold" alert arrived in my inbox this morning at 5:36AM, conveniently after the bank processed 6 unwarranted overdraft charges. They, as a courtesy, reversed 2 of those charges, generous souls that they be and told me that even though their system didn't do what it was supposed to do, it was unfortunate, it wasn't bank error or fraud and thus I was **.

Our account was overdrafted last week when we had just $1 in it because BOA decided to set off two $35.00 fees for transactions we thought we had covered by mustering up $11. Then my husband gets paid and the bank tells me I can't deposit his check without a hold being placed on it due to "the status of our account." How can we be expected to rectify the overdraft if the funds are going to be held and we have no other money at our disposal but his paycheck? Therefore, we were forced to cash it at the bank that originated the check and simply use the funds for our necessary expenses, including food, which we were all out of, until my paycheck is automatically deposited on 9/15. And today I find another $35 fee for "extended overdraw". I have never heard of such fees from other banks and feel that Bank of America is simply out to suck up money wherever they can.

Meanwhile, a customer service rep promised last Friday, 9/11, to reverse $45 worth of overdraft charges but as I was told today couldn't do so because of our previous overdrafts. I have been too much of a long-standing customer with an overwhelming good banking history to be treated in such a manner. This kind of service, in my unforeseen time of need, leads me to want to send my service elsewhere. Please forward this message on to someone who may have a touch of "care and compassion" in their heart if such a person exists. If my math is correct, once all the bills go through that I paid online yesterday, we are now down to just $50 to last for 9 days and we are a family of four, including two young children.

So two separate purchases of a Bojangles biscuit ($2.58 and $2.78, respectively) effectively cost us $75.44. Today, I received an e-alert (funny, I did not receive one when the balance was headed to negative status) stating that as of today, 6/26, we will be charged yet another $35 for an "extended overdrawn fee" (obviously, their definition of extended is one day). I never heard of that one and the extended condition was because the bank deducted all of its egregious fees first and payday was not until yesterday (6/25), which is why the balance was low in the first place. I have had this account since 1972 and the bank no longer extends any customer courtesy credits as of March 2009 to any customer, no matter who they are. So I am in the process of moving to another bank.

Bank of America is a shining example of greed and what got all of us into this economic mess. You see, when they make a mistake and are billions of dollars in the hole, good old US government lends them the money - our money - to bail them out. But when a 30-year customer is -$10.26 in the account, they charge $210 and threaten $35 more for the mistake. Something needs to be done to stop this lawful theft of customers' money. Revised legislation should address this procedure, granted used by all banks, but apparently abused the most by Bank of America.

The next day, 8 NSF charges of $35 each appeared on my account when I signed into online banking. If the money was not available, online banking should not have allowed me to make the transfer. Since my deposit was made after 8 pm, it was credited to the next business day. When I had signed in that night, I was happy to see how much money was actually available to me for my transfer. So I went ahead and made the transfer on June 1 instead of waiting until the next day because I really enjoy paying my bills on time.

Although I received a credit for 3 NSFs on my account after numerous calls to customer service and finally the branch manager, I still received 5 NSFs on my account totaling $175. Because of this, I am unable to pay my rent in full for the month of June 2009 and I will receive a $50 late fee. In this economy, this causes me great hardship, because I was already laid off in January, and now, I am working a temporary job which pays 60% of what I used to make. Every dollar is extremely important to me!

I explained that after submitting a full and detailed loan modification package to the bank, nobody every got back to us and when we called their evasive and uninformed responses proved to be, at best flaky leading us to seek the only other viable (All American) option, call an attorney. The rep then went on to say that, "It doesn't matter. If you're using an attorney then call your attorney, not us, because the bank's action is policy." So I insisted on seeing such a policy in writing if indeed it existed. How do you think they responded to that? With a simply arrogant, "Just because it's policy doesn't mean it has to be in writing."

To say the least, I lost it. There's so much more but instead of boring you all with extraneous, frustrating details, I want to know how Bank of America can take it upon themselves to put us in the precarious and financially threatening position of being delinquent with a payment, without any prior notification, to us or our attorney?

I lost two hours with them on the phone during work hours. Later in the day, my wife called and they said it was due to a glitch and that I had called to make a verbal payment which didn't happen so they blocked the account. When my wife told them that I'd been trying to pay the account two days before the actual call in discussion, they kept telling her, the rep kept telling her the same thing. After an unnecessary battle, especially for my pregnant wife, we made the payment via phone but what's to say that the same doesn't happen next month?

My next direct deposit was due to come in on May 8th. On May 6th, I went into the branch in Glenside, PA and spoke with a customer service rep. He told me that my account was coded for closure from the "back office" because of charges that amounted to $228. He told me that the account would likely stay open once the direct deposit came in to fund the account because, "I hate to say it, but your records show that you are a good customer." He gave me an 800 number to call for further information to verify that I would have access to my funds when my paycheck was deposited.

I called that 800 number immediately after leaving the bank (on my cell phone). I was told by the rep. that once the direct deposit came in, the fees owing would be taken out, and the balance would be available for my withdrawal from any Bank of America branch. Even though I wasn't sure how I got all those fees, I decided to let that rest and simply open another account with another bank.

On May 8th, when I went to the branch in King of Prussia to withdraw my funds, the teller was unable to access my account and referred me to someone else in the office. He made inquiry to the same Customer Service and Risk departments that I had called previously, and informed me that the direct deposit of $1,713 did come in as expected but my funds would not be released until May 18th. I requested that the bank take the fees that they said I owed, close the account immediately and give me my funds. They refused.

I called and spoke with the department responsible for closing the account. A very rude man informed me that I would not be given access to my paycheck that I had worked for until the bank was ready to release it on the 18th, at which time it would be mailed to me. I explained that I needed to make my bill payments. He raised his voice at me as if I were begging for a loan and not asking for my hard-earned paycheck. I asked to speak to his supervisor. He became even more obnoxious but did get a woman (I assume it was a supervisor) to speak to me. She came on the phone with a defensive, angry attitude and informed me that the information I had been given was the only information that was available to me at this time. When I tried to explain my situation, she spoke over me loudly and then hung up on me.

I called their customer service department to lodge a complaint. The person took the complaint and told me that someone would contact me within 3-5 days. So far no one has contacted me. Since it is a joint account with my husband, he went into the bank in Lionville, PA where we opened our account, and spoke with the bank manager. He was met with courteous treatment but the same result. My paycheck would not be released until May 18th. When the Bank manager tried to get them to at least release it on the 18th so that I could access it at the branch, they refused, and told him that my funds would be mailed as a cashier's check on May 18th. The manager was able to find out and reassure my husband that there was no fraud involved, and I was free to open an account with any other bank.

One night, I went online to check my account. I found out they had closed my account without a notice and have sent my account to collection. It really hurt me to know that Bank of America had closed my account. Now every day the collection agency is coming to my house. Bank of America said they sent me a letter. I never received any letter from them. I moved and I went online to change my information. They say they never got the new information, but they got my phone number. So how did that happen?

The deposit posted a day later than I expected due to President's Day and consequently 4 very small items $4.21 - $32.61 caused my account to be overdrawn. There was also, according to the BofA agent I spoke with, a CC authorization done on the same day but it did not post to my account until two days later. When I first looked at my online history, it appeared I had been charged one of the OD fees for a $2 ATM fee. When I called to inquire about the fees, I was told the 5th OD fee was assessed for the CC item for which there was NO evidence online until it posted. The posting date was a day AFTER the OD fee was assessed. They told me the transaction actually was authorized 2 days prior, but there was no evidence of this online or by phone. I am still very angry with them and will be telling everyone I know to avoid them at all costs or suffer the consequences.

Unfortunately for me, I did not keep printed hard copies of the conflicting details I saw online on different dates so I cannot in fact prove my assertion about the other inaccuracies I noted. However, I am quite clear for myself that there is funny business going on. There have been multiple occurrences where specific items would show in the online backing as pending, then a day later as posted, and then they would disappear the following day, only to reappear again 1-3 days later. I was charged an overdraft fee when I had funds in my account. I called to inquire about the fee and the agent removed the fee. No explanation was given to me. I have called 3 times about fees I was confused about and in each case, I was credited the fee charged. The fact I had to call to get credit disturbed me. Also, if an overdraft fee or item return fee is assessed, there are no details online about which posted transaction caused the fee. I have never been so confused before in my life about WHAT is happening with my checking account.

In addition to my concerns about their online banking practices, I was unhappy with them wanting to put any and every check I wanted to deposit (including my payroll checks, which were generated by ADP) on a 7-day hold, nor was I satisfied with my interactions with customer service about my online banking complaints. According to BofA, the $280 in fees were my own fault and I should have kept a hand written ledger to track my available balance. Their associates go into lengthy explanations about all the details of their transaction processing policies and state they were implemented to better serve the customer, but my view of the matter is that they just want to appear that way, while dramatically increasing the fees they collect. Right after opening the account, a friend warned me to be careful, as they charge a lot of fees. I found out she was right the hard way.

About 1 week went by and I went to the banking site to check a payment that I made the month before. I saw that my account was even further in the negative. It was now $260 under. I got in contact with Live Chat again this time with Preston. I explained the situation and he looked up my account. He told me that there was no freeze on the account and that I could only do a freeze by going to the local banking branch. I was not told this; I was told that it was done and I would not have any more $35 insufficient fees. He told me that this could not be done over the phone. He said that there was no note in my files saying that I had contacted someone earlier. When asked who I could speak to, he gave me a phone number and I told him that if I wanted to call, I would have but unfortunately there was no way to document our conversations if I call instead of doing Live Chat and then printing out the whole thing. I got frustrated and ended the conversation.

Then on 1/6/2009, I did a live chat with Prunella. All she would tell me was that I would be unable to view any communication between myself and the live chat people. She stated that the chats are for bank records only and that they could not provide me with a copy. I ended the conversation with her. I called back and had a live chat with Ana. She told me that I was not allowed to view the actual conversations I had with previous people. I asked if she could answer some questions while viewing the conversation I had with the first person, Shawn. She said that she could do that so I asked her if she could see what I spoke to Shawn about on the 29th of Dec. 2008.

She said it was about fees. She said I requested to have a block put on my card and that he provided a number to call to place the block. I replied that he gave me a number to take the block off, not to put it on, not to mention the fact that her statement made no sense after one of the other reps said that a block couldn't be placed by phone. I asked if she sees that my account was frozen as of 12/29/08 and she replied that he had placed the block that day. She also told me that he said no more automatic payments would be taken from my account, that there were not 2 but 4 $35.00 fees posted because of items presented for payment. She then said that the fees should not have been placed on my account because of my check card but from a PayPal payment.

I ask if that was a recurring or automatic payment and it was which meant it should not have caused another 35 dollar fee. She then stalled me by saying that she would be right with me. 15 minutes later she came back and said that Shawn never placed a block on the automatic payments and that they cannot do any maintenance on it. I asked for Shawn's ID number and a confirmation number for that chat and she told me that she didn't have that info. I asked for hers and was told the same thing.

I visited the local branch twice and the woman there called the 1800 number both times. The rep said that I could put a stop payment on anything that comes in at $25 per item. I got wrong information from a representative and was left to pay fees. Today, I got another 35 dollar fee for a recurring payment. I need help.

Very often, especially on weekends, holidays and often when I am traveling, the Bank of America system deceptively and fraudulently conceals the account status, making it nearly impossible for the customer to know of low balance problems one may have. This occurs very frequently when one has many unseen fees and unannounced fees causing the account status to go in a low bank balance or even NEGATIVE without the knowledge of the on-line banker.

I have caught the Bank of America system several times in the past 3 years of unfairly and deceptively charging my checking account with multiple fees of $35 do to unseen fees and also do to debits that were falsely posted with what I believe were techniques the bank uses to SHIFT to dates on a posted check, a debit card transaction of an ATM usage. I have records of my accounts from the last 3 years and can furnish data on these activities imposed on me by Bank of America.

I want to warn the public that these activities are constantly going on and are exercised in a sly way by this bank and are very difficult to detect, even by a computer savvy person, especially when one does not have a real-time access to the banking activities that the Bank of America system is contriving and is constantly doing to the money accounts of its customers.

I am a PhD scientist and I have knowledge of computer algorithms. This kind of activity, I believe, can be stopped and dealt with if many are aware of it and can cooperatively get involved and alert legal authorities and those who can deal with this as well as all the major financial stuff that we as a people are dealing with nationally.

I recently had 13, the first three were taken unfairly without my authorization and caused the other 10 overdraft fees. Mark ** refused to give me the name of someone higher up in BOA to help me. This is unethical! I refuse to use this account until this is resolved. I am in the negative because of overdraft fees. I made an offer to pay some of the fees, at least the first three, but BOA/Mark ** refused to work with me. Now I am being threatened that I am being reported to ChexSystem Inc. and I will not be able to open up another bank account for up to 5 years. Is there anyone out there fighting BOA. I want to know. I want justice. Who should I contact? My next move was to sent a registered letter to corporate offices in NC.

The next day I had two overdraft fees. They only removed one of them. I called back to see if I could get the second one removed but they said no. I asked if I was going to get anymore fees and the man I was speaking to (Hugo) said no. I checked in online today and I am now being charged $128 dollars in overdraft fees and I never even overdrew! They were being very rude to the point that I even started crying! I am VERY UPSET! I cant believe that this bank steals money and gets away with it!

128.00 dollars in overdraft fees because the never notified me that I had insufficient funds over the phone and online and it wasn't that I had insufficient funds they said I had tapped in to MY money that was on hold!

Everyday I look at the online statement items are moved around from final transactions to pending. The statement looks different everyday. Needless to say on the 23rd after the 500 dollar deposit 4 more overdraft fees appeared. then the next day 4 more. Then all of my weekend charges appeared after and I am sure in the next few days 10 more will appear. I have my friday statement from the 22 and since then my account had not fallen below $0.00 yet I was hit with around 19 overdraft fees that they refuse to return. How can they charge overdraft fees when my account was not overdrawn. I have the proof.

Because of this I am currently - 86.74 not including the 10 overdraft fees I have yet to see. The bank has robbed me of over $500 leaving me no money to pay bills or feed my 3 year old daughter.

I was charged $35.00 twice for 2 items they say presented without the funds in the account, even though they showed as PENDING and did not go through until midnight when there was plenty of funds in the account to cover. THEN they charged me another $35.00 when i went over drawn because they charged me the 2 intial $35.00 fees. Only because i have 6 accounts and have been doing business with them for over 30 years do I even stay there.

I put in money to cover that fee but don't believe they should be able to hold charges until they decide to post them therefore being able to charge $245 in NSF for less than $50 in charges that were charged 5 days before that check posted. I checked with the merchants and they stated they put in the charges the next day but because BofA held them pending I am being charged for the larger amt first.

I put in enough money to cover the charges and have some left over but instead of that happening I am $116 in the red d/t $245 going to NSF. This is not the first time this has happened but I did not switch because of the hassel to go thru with on line bill pay.

I could not afford to pay the interest rate as I am paying other creditors. I have signed up with a Debt Consolidation Service in order to pay my bills.

The next morning, the money still isn't there, so he went to the branch where he'd made the deposit. He was told that the branch manager was busy and couldn't see him. He said he'd wait until she was available. She told him that they trust their tellers, and the teller said that he'd cashed the whole check. It turns out, the tellers drawer was .50 off that day. Well, he'd deposited ***.50 and gotten ***.49 in cash. So, we are thinking the teller took the money.

I went to the bank with him to see if we couldn't get it figured out. We walked in, I signed in and a friend/employee of mine was waiting as well. I told her what had happened. A few minutes later, the manager came out and demanded to see me in her office. She raised her voice and said, I told your husband earlier there is nothing we can do at this point so if you don't calm down you'll be removed from the premises. They have horrible customer service. We are currently waiting for their investigation to be complete, but in the meantime, he can't use his account due to the negative balance.

Fortunately, I had money in my savings account that we are able to use in lieu of his paycheck. However, if it'd not been for that, we wouldn't have gas, food, etc. Not to mention, the time he took of work to spend at the bank, and I left work early to go try to get it straightened out. I was treated like a child in front of one of my employees and her son. I will never do business with that bank again.

I emailed again and again, I get a standard form reply that had nothing to do with my question. Finally, after several more emails, I get the reply. Notice this reply states: We neither guarantee the delivery nor the accuracy of the contents of any alert. You also agree that we shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert So if BOA sends the alert but is is not responsible for the content of the alert, WHO IS? AND, what good are they if they are not accurate?

I've sent several more emails to BOA and called their cusotmer service. To date, I still have no answer as to why the online alert balance was different from my online ledger balance. No harm done this time but I am closing my account

This is not the first incident with them, but the last for me. Thaey are fee crazy and adjust the debits and credits to make money from fees. I find them to be one of the most unethical businesses I've ever dealt with. I even had an incident where I complained about the branch I was at flying a dirty and tattered US Flag that should have been properly burnt.

When I asked to have it lowered and respectfully burnt the manger told me to leave the bank or she would call the police. I siad go ahead and suffer the news spectacle that I hoped would prevail. She then had the security guy talk to me and he said he would lower the flag and burn it, but please leave becuse the manager threatened to fire him if he coldn't get me to go. I said I would go out with him to make sure the disgace to the USA was lowered and we did that. The flag hasn't flown over that branch since.

The check boucing will cost me $25.00 plus the bank's $35.00 fee. I will have to have my automatic deposits changed to a new bank and spend time researching a bank that respects its customers.

I went to the BOA message center and sent an email asking why the figures didn't match. I recieved what appeared to be a standard form message regarding fraudulent emails. I sent a second messsage and received a second reply (again, standard in appearance) explaining the difference in ledger balance and available balance. After FOUR tries. I finally received the following reply:

Thank you for your inquiry dated 6/4/08 regarding your available balance alert. Your concerns are very important to us and we will be happy to assist you. Please accept our sincere apologies for any inconvenience you may have experienced. The Online Banking Alerts from Bank of America allow you to receive specific account information through e-mail. The Alerts offer you complete control over your alert preferences, including what type of alerts you wish to receive and where you receive them. Please be advised the Online Banking service agreement that you agreed to states the following: You understand and agree that your alerts may be delayed or prevented by a variety of factors. We do our best to provide alerts in a timely manner with accurate information. We neither guarantee the delivery nor the accuracy of the contents of any alert. You also agree that we shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance of an alert. Again, we apologize for any inconvenience this may have caused. We value you as a customer and appreciate your business. If we may be of further assistance, please contact us again by e-mail. Thank you for choosing Bank of America.

Notice the clause: We neither guarantee the delivery nor the accuracy of the contents of any alert. Now I ask you BOA, what good is having the alert if the content is not accurate? BOA customer service and their services in general are a joke. I am closing my account! I was really disappointed to see a Bank Of America banner on the front page of this site.

Luckily, no damage was done this time however, I recieved more than my share of abusive fees from BOA.

The very next morning I pull up my account online to see if the charges cleared. To my astonishment now there is a 3rd. charge for $72 at the same Macy's. So again I call. After I had put in my acct. # and PIN the automated voice tells me that I am now over drawn nearly $700. While I am waiting to talk to someone I refresh the online account and now there is a 4th. charge at Macy's for over $1300. This representative tells me the same thing. He said they are just pending authorization and my response was Well, if they are pending authorization then deny it! He said he can't and I explained how it's wiped out my account and I have checks yet to clear, I will need access for crying out loud it is MY MONEY! He said he could remove the pending charges and free up my account and his suggestion was to yank money out IF the Macy's charges actually do go through.

So, I decided to call Macy's in Ohio but that was to no avail. They could only help me if it was on a Macy's charge or Macy's Visa. Even though they are not charged through and are only pending, that effects my available balance which is now $0. I write checks for mortgage, school, etc. and they will all bounce yet there is NOTHING they can do about it. Incidentally, on their FAQ page it says that if you see an error in your pending transactions to contact them. Whoopie, that did a lot.

They are sitting on $1700 of MY money. I have checks I have written which more than likely will bounce and there will be fees. If those Macy charges do go through how long will it take to reverse this situation. What happens if I was on vacation unable to see this activity and I went to pay for my hotel stay, or dinner, etc. and was denied because of pending transactions that had nothing to do with me.

Later that evening, there were 3 more charges for $35 appiece. I called the bank and asked to be told the exact transactions that these each of these fees were for. I spoke with 2 separate individuals who did not seem to have a way to figure this out, they both gave me different transactions. This morning I went back in person to the branch and the teller refunded 3 of the fees. I thought the situation was taken care of. My account was back in the positive. This evening, there were 2 more charges for $35 each and apparently, the nice teller who refunded the fees opened up an unauthorized credit card account for me. We never even discussed credit cards and I certainly never authorized that.

So I had to call the bank and have them close out the credit card account, which I'm sure will affect my credit report. Needless to say, I do not understand how a business can treat consumers this way. It would make the most sense that if I don't have funds available in my checking account, decline debit card transactions. Meanwhile I don't even know when this will end with the fees. They could keep charging me, since I have no idea what each charge was for. I'm just supposed to take their word that it happened.

I have incurred $350 in overdraft fees and a credit card with a limit of $4,500 was opened in my name without my authorization. This will definitely have an influence on my credit history, even though the credit account was immediately closed.

There is no visible disclaimer on the online banking site that the running balance IS INACCURATE. This is a very questionable practice, and I think many people have experienced the same problems, BofA needs to change their online banking setup and let people know that it should not be used as an accurate means of tracking their account. I was never told this until today.

I was charged 2 overdraft fees and will be closing my account with them.

My second question to them was when the money will be placed back in my account. They said 1-2 days. On May 11th the check showed up. The envelope and check were both dated May 7th.

For whatever reason, the BOA system stop depositing the fund to my niece even though it continued to deduct from my account - both of our account numbers remain the same. It has been nearly two months now and we still have not received our fund back.

I have been calling nearly daily and all I have been told is it will be resolved by Monday.

The online banking site has an email component (they guarantee a 12 hour response) and I immediately emailed advising them of the error. 3 days later I received a reply from them and all it said was they were "sorry about my inconvenience" and they appreciated my business but nothing about correcting the problem. I sent a dozen more emails to them which they apparently ignored because I never received another reply.

After two weeks of non-answers from the online email source and dozens of calls to their customer service line, I contacted the local branch and dumped it in their lap. I gave the branch manager copies of all my emails and the lone reply along with 3 letters I had written to customer service which had never been answered. I also gave her a log showing the times I had called customer service trying to correct the problem. The branch manager was very helpful and guaranteed me she would look into it and have the money returned to my checking account. She did eventually correct the problem but even as a branch manager it took her two weeks to get it straightened out.

During this whole nightmare I had a credit in excess of $2700 on my credit card. On one of my calls to customer service, the bank representative had a simple solution for my problem. He suggested that I could use up the $2700 credit by buying things with that card which would eventually bring the account to a zero balance. I suspect zero was also his IQ.