Bank of America Online Banking Reviews

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.