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Alex of Framingham MA (06/30/08)
Monday, June 30, 2008 Bank Of America So here's where the frustration begins. I have a family, Two Kids wife dog house etc... The children are of a age where mom stays home to take care of them and we have a limited income. We had a previous account at citicenz bank and just never got around to closing it. Apparently this account was over-withdrawn by a about $1.20 and reported to Chex Systems where Bank Of America took this information from the banking reporting company and froze our account. Under normal circumstances, this wouldn't be a problem. we found out about this at Friday 8pm EST. The office that froze the account is open mon-fri 8-4. Fine, we will go the weekend without access to cash, Kids dont need food or diapers right?
Monday morning comes, I call BOA at 8:15 to resolve the issue. I was on hold until 9:45 until I hung up the phone and decided to go to the bank in person. I went to the bank where they in turn actually called the same number that I did and said I had to call Chexsystems to resolve the issue. I used the phone at the bank and called chexsystems. They told me i had to file a request for the report and it would take 5-7 business days for the report to come through the mail. I STILL HAVE NO MONEY... and the account balance is about $4500.00
So at this point the only thing i could think of is that Citicenz bank had somthing to do with this, because i still have NO information from Bank of america. Did I mention that my paycheck was directly deposited into the bank this morning. Insisting that bank of america release my funds, and they didn't. Finally I came home and called bank of america. They at least told me that the report was from Citicenz bank and a check from BOA will be mailed to us on the 15th of july. GREAT- So how do I go about my daily life until the 15th?
have no access to money for food, gas, diapers, bills and paying my mortgage on time
Holly of Half Moon Bay CA (06/29/08)
i was wrongly overdrafted four (4) times through this bank. first overdraft i received was for a savings account i requested to have closed & it said on my online statement 6/26/08 insufficient funds in savings, then to be changed to overdraft item fee in which they pulled up a charge to make it seem as if i actually overdrafted & changed the date on that charge that i payed for it.
i'm fairly certain that no matter how long it is in the pending process they cannot change the date it was made on. the last three were just outrageous & they pulled up charges the same way. i will be stopping into the bank to show them proof that i placed those charges on different days in hopes to get my money back.
i lost $185.00 through their shady dealings, & subsequently cannot pay for my medications for a herniated disc in my back & for general needs. i make minimum wage, work three days a week, & they are robbing me of all my money.
Derrick of Atlanta, GA (06/27/08)
I had 10 overdraft charges in 3 days. Everytime I talked to a cust. serv. rep. I would get a different story. If one was to look at my bank statement you could clearly see there were some errors made because my deposits were not showing up and the only thing that was showing was my card transactions as if were done purposely so I would get charged.
I also had a situation where made a cash deposit at the atm and the atm malfunctioned. I called customer service and they made a credit to my account and after the so called investigation they took the money back. I made several attempt to make my case but I constantly got the run around. I asked for security video to show that I made the deposit but no one wanted to help. Basically they were saying it was just my lost..too bad.
Christopher of Collegeville, PA (06/27/08)
With now two separate credit cards (accounts) on consecutive occasions, Bank of America has sent out the statements so that by the time that I receive the statement I have a week to get it back to them or pay interest. This is clearly an attempt by Bank of America to: 1 - Charge interest to people who pay their balances on time, every time. 2 - Move their customers to pay immediately via electronic payment or 3 - Move their customers from credit to debit cards.
In any respect, I find this practice unconscionable and outside the bounds of the credit card agreement executed between the consumer and Bank of America. I am put in position to pay usury interest rates on a credit card on which I pay the entire balance via US mail within 24 hours of my receipt of their statement.
Edward of Youngstown NY (06/21/08)
I feel that it's one of the worst banks you could possibly do business with. I've been a customer with them for 5 years, and they recently charged me over $700 in overdraft fees in one day. Apparently I had pending transactions that went though which over-drafted my account. On the day this happened, I was using my debit card all day in the subway ($2 a pop) with no knowledge I was over-drafted, and they were letting the transactions go through. They charged ($35) every time I used the card, which at the end of the day, for about 40$ in transactions, they charged me over $700 in overdraft fees.
I had plenty of money in my savings account and credit card to cover the overdrafts, but they made no effort to cover me, or alert me that I was over-drafting. When I called to ask about at least getting some of it refunded, they treated me like sh*t and said there was nothing they could do. Now, $700 isn't a crazy amount of money, but the fact of the matter is, they're scam artists. What other company do you know of that is allowed to charge roughly 170.5% interest on borrowing money ($700 they charged % $40 I borrowed.) There are laws against this kind of thing, but apparently there is no law governing how much a bank can charge in overdraft fees.
I feel as though there should be more laws written on banking practices. I take the blame for not balancing my checkbook as well as I should have, but I'm outraged at the penalties banks charge people for this, it's a legal form of robbery. It seems all I can do now is spread the word!
Wasn't able to pay half my rent this month, had to borrow money, at interest, putting me further in the red.
Amber of San Diego CA (06/20/08)
They placed a 2 week hold on a payroll check that I deposited by ATM. I have direct deposit, from the same company, that goes into my account every other week. This specific check was a bonus and without mentioning the hold by email or mail or phone, the bank placed a hold from 6/16/08-7/2/2008. I thought that I had money, and used my debit card for $1.61 coffee's and $2.00 parking fees.
In addition, I have written checks and made payments online and almost everything has been returned or will be returned. I have tried to contact the bank by phone and email, no one is willing to explain why this has happened. To make matters worse, the fees they are charging me are $35.00 each, plus all the fees that the merchants have/are going to charge me.
I already have over $460 in fees now! I am a single parent and I live in a very expensive region of CA, I'm not even going to have gas to get to work or have food to eat. I am afraid that when I get paid on 6/27, they will eat up my entire pay check in fees!
Matthew of Hamburg NY (06/19/08)
I have over draft protection on my checking account at their bank. How it works is when i overdraft it automatically charges my credit card $100 and it deposits into my checking so i never go negative. I went on vacation at the end of march to early april and I was using my debit card with no problem and no worries. I get back from vacation and deposit a $300 check into my account and I see that my account was $650 negative. This was a sunday night I had to get back to school that night.
So the following weekend i went to the bank on a saturday, and spoke with Ed. He said yeah i don't know why you were charged, he called the main office and the person on the phone said I shouldn't of been charged either. Ed said i was going to get my money back and he would give me a call on monday. Ed never gave me a call. I went back into the back a couple of weeks later. The women I spoke with wouldn't even talk to me she said Ed would give me a call he never did again. I went to a different location to talk with a different representative. She could not give me any answers either and said she would call me. She never called me either.
I went back to Ed. He said I payed a credit card payment late and that automatically unlinks the overdraft protection. I was never told that I didn't have protection anymore. I was never asked if I wanted to relink it after I payed. After my vacation I was left to live on my credit card. I had $350 in my savings and they took the money out of my savings and put it in my checking to pay off the balance with out me knowing it. This bank is wrong and cost me a lot of money and debt. Also if my account was over drawn why would it let me keep using it to rack up $650 that should not be allowed especially if i was unaware.
I have had to live on my credit card while away at school. I lost $650 dollars, and suffered extreme embarrasment.
Christine of East Bernstadt KY (06/19/08)
i had a bofa checking account my daughter stole some of my checks and preceeded to write out and cash them i paid off the checks as they came in i cntacted bofa and told them and ask them to close out the account from nov of 07 and up through april of 2008 they would still allowing hte checks to come thru so they could charge overdrafts fees, and they didnt close out the account till 01/08
they now have me in same claims court for overdrafts fees in the amount of 1945.03 even tho i had called them over and over and ask them why they were charging me overdrafts fees on stolen checks and why they were allowing those checks to run thru 3,4, and 5 times each. every csr i talked to could not give me a reason why all they would ever say it is your account and you are liable for it even tho i had ask months beofre to have it closed out and reported the checks as stolen, they would not and had not recorded the checking account as stolen
now i will have to pay all those charges plus maybe criminal charges due to their neglengence
Jennifer of Salt Lake City UT (06/19/08)
I recently moved to Salt Lake City, UT where Bank of America does not have a physical bank location. Since my checks get direct deposited anyway, I chose to keep my BoA account open but for the few occasions I have a paper deposit, I have to mail it in. I fedexed a deposit and waited for it to show up in my account. It showed up as pending and I used my debit card. However, the still showed as pending the next day but my charges cleared.
Since I made the assumption the pending deposit would clear, I won't beef about it being held longer. HOWEVER, even without the deposit, I still had $47 + change in my account. My debit card charges were $29 + change and $20 + change respectively. Only ONE of those charges would have caused an overdraft but they charged me $70 in OD fees for both?
The CSR told me that they sent out an account update in December stating the change in the fees policy. Now they will charge fees for all debits they process the same day if the account goes into the negative. I asked the CRS you mean, even if one of the charges doesn't cause the account to go negative, I get a fee because both charges were processed the same day? She said yes. HUH?
Fees!!! FEES!!!!!
Cindy of South Plainfield NJ (06/17/08)
We have been a long time commercial customer of Bank Of America. We utilize our debit/checkcard to provide payment to our vendors daily for work that they do for us. There can be as many as 20 transactions in a day authorized by our vendors to our card. During the day and evening the transaction will be sitting as 'pending' in the online bank statement we can review. Often Bank Of America will allow the bank account balance to go into the red for pending transactions. Normally we will transfer funds to cover these pending which automatically removes them from the red or negative status prior to posting with a date.
Occasionally, during the month we may miss doing this by 12 midnight and a pending goes to posted with a date. This would show up as a 'red' negative to the account in the dated transaction section. We are in agreement with the bank that once the pending goes to a dated red negative it is an overdraft. In the month of May, on one day, 10 of these pendings went to red negative dated. Therefore we expected a $350.00 overdraft fee for this error, as has happened in the past. We agree it was an oversite. We have never been charged overdraft fees for pending items that did not move to the section with a date. As long as we cover the pending before they moved to an item with a date we were fine. For two years we worked under this premise and were charge minor monthly fees for a small amount of overdrafts that slipt by.
Today we were debited $3300.00 in overdraft fees which were ACHed out of our operating account without notification prior. Of course it put our account in the negative which we had to cover to avoid problems. Our Accouting/Office Manager reviewed the transaction in May and could only locate the 10 overdraft items we anticipated on the statement. All other pending items that appeared negative were covered before the posted with a date. Bank Of America is now claiming that they consider there to be 90 overdraft items for the month! Although we only see 10.
We spoke with our bank assistant Shasha out of Point Pleasant, NJ. She indicated that she could prove 90 overdrafts and would fax over verification immediately. She has not done so as of yet. We tried to explain to her that we have not changed the way we cover our pending transactions and that we only saw 10 overdrafts. She rudely insisted we were wrong, and that their banking practices and rules had not recently changed, although it appears that they are now charging us $35.00 for 'pending' transaction that go in the red even if we cover them before they date.
We have just been charged 10 times the normal fee we would expect. We are at a loss as to how to handle this situation. We feel that Bank Of America played it underhanded by changing the overdraft rules mid-year to get funds and fees from our account on transactions we never were charged on for two years. Just when we feel that we have learned the rules of Bank Of America they change them to invoke more fees.
Our corporation lost over $3000 in revenue because of Bank Of America's trickery, and stand to lose another $3000 next month because we no longer have a handle on their rules and the games they play. If they can not prove 90 valid overdraft transactions according to the rules we have abided by for over two years, I am considering contacting my corporate attorney.
Mauva of Paterson NJ (06/17/08)
pulled $564.05 from my checking account and can not explain why they pulled that money . I closed the account.
I recieve a letter from collection agency for $218.40 for fees associated with not using the account and having a negative balance from the time they pulled the money from my account.
Cynthia of Hernando FL (06/12/08)
I reported a check fraud on my checking account on Jun 10. The bank helped with getting my money back and said that if I would like to put a security hold on my account then I can call back and do this. I did call back and asked that they do the security hold, they put the hold on my debit card. 2 days later the same check fraud came through taking more money from my account, and caused anover draft.
I called the bank but they said they would not help me becasuse I did not put the security hold on the account. I explained to them that I did put the hold on there, but the guy from there bank put it on my debit card instead of my checking account. They said that they would NOT help me, and I would have to pay the fraud check and 3 35.00 fess that they were putting on my account for the over drafts. I did what they told me. The guy at their bank screwed up and now I have to pay the price.
I now have to pay the fraud people and the bank their fees.
Wayne of Conroe TX (06/12/08)
Four overdraft fees that should not have occurred. Our register and the on-line statement provided by BofA agreed. However; the statement that BofA uses (that we, the customer do not see as verified during a telephone conversation on Feb 13th) did not agree. Basically, BofA said we made a $44.33 mistake. When asked to show us the mistake they (Ms. Carpenter a supervisor at BofA) could not show the mistake. I told her I disputed the fees and wanted a refund. She said no, it was our mistake but could not or would not prove it to us.
This has happened several times. I want everyone to know two things. 1. The on-line statement is not trustworthy unless it benefits BofA. 2. If this happens to you PLEASE FILE A COMPLAINT WITH THE OCC!(Office of the Comptroller) When I asked the BofA rep where I could file a complaint she suggested the in-house BofA complaint procedure and the BBB! When I asked her about the OCC she said she haad never heard of them!
I am diabetic. As a result of this creative manipulation of our account I was unable to get my perscription filled so I am out of medicine tonight, tomorrow and well, until we get enough money to cover these incorrect overdraft fees and I am unable to purchase any groceries. I informed the BofA supervisor (Ms. Carpenter) of this but she didn't care.
Owen of Saratoga Springs NY (06/11/08)
Bank of America set up a fee system that's just dirty. Used to be when your balance was at zero you'd be denied. I assumed that was the case. I moved my savings out of checkings and overdrew on my account. They charged me 25 to 35 per debit that i charged after I hit zero. It came out to about 300 dollars. 25 dollar fee every time i put a coffee on my debit on the way to work. It's criminal.
over 800 worth of fees. Yes they were my mistakes.
Geoffrey of Melrose Park IL (06/07/08)
I had a cashier's check to cash that i was weary about and explained this to the staff when i arrived. I asked them how long it takes for one to clear and they told me that is takes two days tops and i got the check cashed and waited. I waited the two day they told me and went back to the same bank to make sure that the check had cleared. I specifically informed management again that i was unsure and that was the reason i was checking.
They told me in these exact words that there was no hold on my account and that the check was good and it cleared. Still insistent there could be a problem later i held onto the money for another two to three weeks to make sure that everything was fine. Figuring it was a cashier's check it should be almost fool proof, waiting the two days they told me, going back to make sure there was no hold, and still waiting three weeks before i touched the money; i figured that it was okay to disperse it like i had planned.
Then a little over a week later, June 6th, i my statement makes me aware that the money was charged back to me stating that they were not able to collect on it. After explaining the case again to bank manager they are claiming they have no responsibility for the other bank sending the check back late, because they are suppose to send back with in two weeks if it is no good, and then telling me they don't know why they could not get payment. I don't see how a large branch like bank of america cannot tell me within three weeks that a cashier's check for 3,950 is no good.
I am upset that the bank claims no responsibilty even after i took every precaution to make sure this would not come back to me. I am appauled that after i explained my suspician they didn't tell me to wait at least a month to be sure. I felt that they didn't bother listening to me and are so quick to say that they are not responsible. I told them from the get go that i do not have the funds to back up this check and that is why i am checking to make sure it has cleared. They actually thanked me for coming in to take that extra step and i again told them this has to be clear and that they are certain. Two associates, one being a manager checked and promised me that it was fine. And now they are charging me back this money and are not trying to pursue the bank that authorized the check.
This has created the biggest strain ever on both my family and my relationships. THey are refusing to temporarily freeze my account and waive any overdraft charges. This will hurt my credit because i don't know how or when i can pay this back even though i feel it is mistake on the bank's part that lead us here, and it is the bank's because of the promised i received amd the precautions i took. I just bought i ring for my girlfriend hours before i found this out and what should be one of the happiest days in my life has turned into one of despair and hardship. This problem with the bank has caused me severe depression and anxiety and i feel that life can not be good or the same for a very long time without some serious help
Dean of Seaside CA (06/07/08)
BofA closed my business account to further charges based on information we obtained from your account, as well as from information reported by a major credit reporting agency. I was not, and am not, in default on the account, or on any credit card account I have. Due to a late payment, perhaps two, over a period of two years or so, my interest rate at the time they closed off further charges was 19.24 on purchases and 23.24 on cash advances. Kind of high, but I have other credit, and I decided just to pay the monthly bills and not complain, which I have done, regularly, on time.
Yesterday, I received an amendment notice stating they're raising my interest rate to 27.99 -- not based on anything related to the closed account but again on information in the credit reporting agencies files. According to the BofA representative I talked to on the telephone just now, the increase is because they have determined I'm a risk. (My credit score does not bear this out.) I can't close the account to stop the increase (it's already closed). Apparently, they can do whatever they please, including charging me another $30 or so interest per month, just because they feel like it.
Deborah of Danville, CA (06/06/08)
I have an overdraft account with a balance I want to pay down. I asked how I can apply the payment to the highest interest rate amount. I was told this is not possible, they have no ability to apply to the highest interest amount outstanding. I
find this questionable. Can someone let me know if this is legally possible?
Ethan of Houston TX (06/05/08)
After years of suspicion that BOA was ripping my wife and I off, the last straw has landed. On March 24, 2008 my wife and i purchased a trip package to cancun. The airline tickets were charged seperatley from the hotel package through Expedia. The next morning while checking my accounts i noticed that i had been charged for 4 tickets. Not 2 tickets as actually selected. Under further investigation we noticed that there were actually 2 sets of transaction #'s. one for my ticket and one for my wifes ticket, then the exact charges including Transaction # were Duplicated.
On top of that we were slammed with 150.00 worth of overcharge fees because that action as well as other banking actions had sent my account spiraling into the negatives. after some phone calls with some not so willing staff, we were givin a credit to make up everything. then 3 weeks later the amount of one of the tickets was STOLEN from my account by Bank of America. This being a holiday weekend of course we recieved a letter saying that the airline had declined any wrong doing. with little time and a hot head attempted to contact bank of america and like so many other people encountered BOA staff that was rude and discourtious.
this is know in the third month of this So Called investigation. I have since closed all my accounts except the one under contention. BUT i Will NOT GO AWAY. I work hard for my money and i am not going to let some bank who thinks that they are above the law. this is my money and they made a mistake and know they dont want to play by the rules and give me my money back. this has gone past the point of being reconciled. I want to be compensated for my troubles.
Lisa of Las Vegas NV (06/04/08)
i had purchased a money order from money gram that had been stolen and wrongfully cashed by b o a. the money order has sent 2 demand letters to b o a and they have yet to respond. i would like to know why and when they will get this taken vare of.
i am still fighting eviction from my apartment complex becouse this was my jan rent. someone was arrested and will be sentenced for this crime this month. i would just like to get this money back so i can resolve this situation.
Lisa of Ormond Beach, FL (06/04/08)
On May 20th, I checked my account online and had a balance of $8.54. I had my husband deposit $100 at 8:32am and another $351.36 at 10:16am. My husband asked the teller to cash and deposit the checks. This is documented on his deposit slips, which we have a copy of. The teller did not cash and deposit them, but simply deposited them, therefore BOA put a hold on the deposits until 5/22.
When I checked our account that evening online at 5:02pm, we were negative $118 dollars because they posted five pending transactions from 5/19 AFTER our deposit.
We called and talked to customer service at 5:10pm and she said that it was the tellers mistake because she did not cash and then deposit our checks as we specified. She said that there were not any overdraft fees and that we could go in the next morning to the bank and they would fix the problem. She recorded this in her notes. I checked the account a final time at 6:47pm and we were now negative $293!! They charged us $175 in overdraft fees after we had deposited $450 that morning!
The bank manager would not help us and continued to place the blame on us and not the teller! They also insulted me by claiming that I was not one of their premier customers so they would not refund me the fees! I have deposited over $40,000 with them since January! Just what does it take to be a premier customer!?
Kenneth of Ontario, CA (06/03/08)
I travel all over the world and do not like to carry large amounts of cash but prefer to use my ATM card in the country I visit. I notify B of A before leaving to let them know that I'll be traveling to other countries and using my card so I don't have an issue. I went to China this week and used my ATM card with no problem.
I tried to use my ATM card again and found that it was blocked. I sent emails to B of A customer service and they told me the only way to unblock the card was to call a phone number in Atlanta. I told them that I had no phone and could not call. After 5 more emails, they still gave me the standard answer that I had to call to have it unblocked. Not sure why since I had to use a password, answer a secret question, and then confirm a site key before even sending an email. What's the point.
Needless to say their customer service rep's, all in India, did nothing but say they can sympathize with me. Not sure how since they were not stranded in China.
Sue of San Francisco CA (05/31/08)
We became 3 months behind on our business loan with BofA. We have been customers of BofA since 1987. Without a warning they ZERO'ed out our checking account $ 5978.21--wiped us out. We had been struggling to keep up with payments and also had a debt consolidating firm assisting us. This was devastating, financially. It was immpossible to get someone one the phone(in our panic) and then were told debt offset. We feel this was an unauthorized debit--STOLEN FROM US--with no one would reverse. (we would have paid the 3 month back debt...)This completely broke our trust in this firm.
All our monthly automatic withdrawals bounced--adding further to our economic hardship--rent payment was not there, as well as the monthly allowances for food, gas, transportation, medications, etc.
Courtney of Riverside CA (05/31/08)
I borrowed 15,000.00 in a school loan from a reputable bank (NOT Bank of America) and it was addressed to myself and my grandfather (co-signer). As I have been depositing large amounts for the last few years as my school loan checks come in I did not worry about depositing my 15,000.00 check into the ATM. This was a big mistake! Because this particular check was addressed to myself AND my grandfather they said they could not accept it. However, this was after they put the full 15,000.00 into my account which I saw through my online banking webpage the day following the deposit and I started writing checks to pay tuition, rent, etc. This amount was not in the pending section it was in my account, all 15,000.00.
Therefore, I wrote all these checks and was using my debit card only to find out a week later that had pulled the whole 15,000.00 check out and began docking me 25.00 overdraft fees and then 35.00 overdraft fees, and then 35.00 NSF fees for all my checks that began to bounce. In the mean time I had just closed my campus mailbox where BofA was sending all my banking mail (and lots of other things were being sent there also) and was in the process of updating my address with all of these companies. So when BofA went to return the check, they sent it to my closed campus mailbox thus leaving me with no choice but to wait for my check to make its way back through the post office so I could add my grandfather's name to my account and get that check deposited back into my account.
Okay, what my problem with BofA is: They put the whole 15,000.00 into my account leading me to believe that I was safe to write checks and pay my bills with my student loan check and then later that day they took the full amoutn out without notifying me directly. If they discover that one or more of the payees of a check isn't on the account after they have deposited the check in full amount into your account, they need to notify you directly not through snail mail which in my case got sent to a closed campus box leading me to accrue unnecessary bank fees.
To date, BofA has charged me 511.00 in both overdraft fees and NSF check refund fees. I spoke with Charles Lee at the Alta Loma brach where I originally opened my account four years ago and he assured me these fees would be taken off. He gave me a card with a Customer Solutions Center's phone number on it and told me to call and they would take care of the fees. He even said he put a note into the system about me calling. However, upon calling today the Customer Solutions representative I spoke to refused to refund the fees and when I asked to speak to his manager he would not let me stating, This is the highest your call can be escalted to. I have since tried to contact Mr. Lee but surprise, surprise the number he gave me to reach him is out of service.
Because of Bank of America's hugely unfriendly staff, unhelpful customer service representatives, and poor communication with me I have had to go 2 whole weeks without any money, use 511.00 of my school loan money to pay BofA fees, wait two weeks for the check they sent to my closed campus box to make its way back to me when I would have come to the branch to pick it up had they called me (you know, it being such a large amount), I had my school threaten to kick me from my summer school courses because the check I had originally wrote them after double checking that the money was in my account bounced, and my reputation is ruined with them. In addition, my grandfather has had to take off of work just to come to the bank with me to put his name on my account and because they treated me with such little respect I had to bring an older man just to get them to give me any real answers. Answers that in the end, got me nowhere.
Paul of Lombarrd IL (05/30/08)
These guys charged me four hundred and fifty-eight dollars in overdraft fees. I thought I had 1.50 in the bank when I made a two hundred dollar deposit. Essentially, what did happen, was I was charged overdraft fees on transactions in my account when those same transactions showed up in the black on online banking after making a two hundred dollar deposit a week before the two hundred dollar deposit already referenced above. Given that I can count to two hundred and I thought I had two hundred in my account I spent it, unaware that I had three fees charged to earlier overdrafts that originally showed up in the black on my account the previous day. My spending two hundred, while I actually had 95.00 dollars after they charged the fees, I ended up with more overdrafts. I got some action after complaining relentlessly.
Iif I continue to bank at BOA, I am self diagonosing me as officially out of my mind. Therefore I'm closing my account today.
Anthony of Cliffside Park NJ (05/30/08)
I have a joint CITI credit card with my aunt. Citi sends me checks to do with what I want. The credit limit is $28,000+ with a cash advance limit of $15,000. This account has been perfect for 4 years. As I needed funds I would deposit these checks from a stub pad. The stub had the date of expiration but not the check. One time I realized I deposited a check with the expiration expired. Citi cashed it and said I had this opportunity till the end of 2008. When I received the next batch of checks I was going to make a deposit so I removed the check from the dated stub. But I didn't use it then. A couple of weeks later I needed funds and used the check I had removed from the stub pad. I deposited the check and the next day withdrew the funds. Unnotified to either me or the primary cosigner Citi refused the outdated check. Now my record will indicate I have done this numerous times before and almost always withdrew the funds the next day. It's common sense, when your take advances you need the money so why is it fraud to remove it right away.
So BofA closed my account but oddly accepted a wire transfer from the same institution that previously denied to cash my check. Now BofA has me on chex systems and is in possession of my $600 wire @ over 20% interest since May 9 2008 and I have no access to funds I must repay at a high interest rate.Now I receive a statement from BofA that I got debitted $35 for a bounced check and $60 for account review. BofA asked me to confirm by notary that my cosigner of the Citicard knew of my transactions. My aunt did so immediately and verified that I have full authorithy to do as I wish. This was faxed with receipt on May 9 2008. After countless follow ups all I get is rude hangups or it's under review. What is to review. I proved it's no fraud and have a history of these transactions. All this happened because I mistakenly depostited an advance check that was expired and these checks have no expiration date only the stub does.
Now I am barred from opening amy account because BofA reported fraud to chexsystems. My cosigner who by notary confirmed she was aware and consented to my transactions was rudely hungup on by the agency that requested proof that no fraud was committed. Without a checking account I now must use money orders at a cost to me and not have access to direct deposit of my income pay. I don't blame suspicion by BofA but I have given them all they asked for to clear my name. Why didn't BofA contact me via my cell they have my number. Why wasn't my cosigner contacted via Citi?
Cost of money orders, delayed access to biweekly pay because of no account for direct depsoit. Loss of $100 for opening chase account with direct deposit due to chexsystems. Telephone correspondance waiting on hold for countless minutes while being rudely hungup on. The cost of my wire advance of $600 since 5/09/2008 without access and the cost of $60 review. My gas to go to differebt branches of BofA and time off from work. My emotionly state has caused depression, my erratic behavior by missing work almost to lose my job. My nerves have tensed everytime I see a BofA ad or branch. I have lost hours of sleep trying to figure out how to resolve my conviction and sentence by BofA without a trial.
Jo of Montague CA (05/28/08)
My son and I have a checking account together, we opened it in 2004, we also had a truck loan with this bank which we recently paid off in the amount of $8,000.00 Know that this is a small town maybe 8,000 people my son was born and raised her we have lived here for 30 years everyoine know who we are and that we are not going anywhere and that we are hard workers and pay our bills..so..we deposited a $2,800.00 by ATM on a Sun. afternoon a receipt came out and told us the balance in our account was 3,400.00 we then withdrew $100 cash a receipt came out and told us we now had $3300.00
two days later we paid some bills eleven all told those checks were returned NSF, not sufficent funds, why we asked the banker oh he said a hold had been placed on that check why we asked the banker, well he said you have been overdrawn several times..why weren't we notified we asked well he said when you opened the account, 4 years ago, they told you banking policies, I don't think so and where is the customer relations pick up the phone NSF was a lie the money was in the bank
the bank charged our account $385.00 in NSF and every check that was returned that business charged $30.00 another $300.00 and now our reputation is skeptical
Kimberly of Midlothian VA (05/28/08)
I was charged 5 overdraft fees of $35 each on 5/19/08. My account was overdrawn by $6.81 by their own records on that date. The way they stacked the charges, the last two of $15 & $4 overdrew the account by the $6.81. I have not disputed the $70 in fees. However, many customer service reps and a phone supervisor later, we are still going around and around over 3 charges which left the account still at a positive balance. They claim that another automated charge caused it - but yet that charge went in 2 days later- causing it's own fees. How can I be charged 3 x $35 for charges they show leaving a positive account?
$105 extra in overdraft fees.
Georgetta of Dalzell SC (05/26/08)
I am complaining about the way that Bank of America's (BOA)accounting practices. I have a fixed income that is a direct deposit to BOA monthly. When my balance gets low, they will rearrange the incoming transactions and place the larger ones in from so that my account will go into the negative. Then they do not pay the check but at first glance make it look as though the check is being paid. When you go to view the screen again the transactions have been completely rearranged and your balances are different again. This is a way for them the rack up on a lot of extra fees.
They also will hold transactions and not post them until your balance is low and you wonder where the transaction came from. Sometimes the transaction is over three weeks old. I want nothing to do with their banking system and I am in the process of changing to another bank.
As a result when I get my monthly income I am not able to pay my bills because they have taken it all. My mortgage and utilities are in jeopardy because of this. It is not fair!
Lisa of Merrick, NY (05/24/08)
They charged me an overdraft fee and refuse to reverse it, the account was not overdrawn.
John of Bakersfield CA (05/23/08)
I have a checking and savings account that delays the amount available for use by as many as 4 and 5 days. Most all of these incidents occure with direct deposits. Even the Amount Availabble information box in the left screen indicates the full amount, an amount the would make charging a $35 dollar overdraft fee impossible. They also indicated that they post the largest transactions for debit first making, in our case, 7 different $35 dollar overdraft amount. Please remember, there was plenty of money to cover all transactions in all boxes, even the amount available.
Over $500 dollars in bushwacked overdraft when plenty of our money was in their bank and all indicators of theirs said so also.
John of Bakersfield, CA (05/23/08)
I have a checking and savings account that delays the amount available for use by as many as 4 and 5 days. Most all of these incidents occure with direct deposits. Even the Amount Availabble information box in the left screen indicates the full amount, an amount the would make charging a $35 dollar overdraft fee impossible.
They also indicated that they post the largest transactions for debit first making, in our case, 7 different $35 dollar overdraft amount. Please remember, there was plenty of money to cover all transactions in all boxes, even the amount available.
Over $500 dollars in bushwacked overdraft when plenty of our money was in their bank and all indicators of theirs said so also.
Paul of Egg Harbor Twp NJ (05/23/08)
On January 18th 2008 my bankruptcy was discharged. I was then told on the phone by two senior customer service reps that I did not have to pay my loan, so I asked them to send me letters stating that. I received one letter March 12th 2008 and another March 31st 2008. The Chapter 07 bankruptcy was filed on 10/05/07, discharged on 01/18/08 and closed on 01/23/08.
I just received a letter on May 8th 2008 notifying me that Im four months and a total of $5,813.00 behind. Bank of America is now stating I need to pay to avoid repossession of my house. Im told by a representative of Bank of America that their standard answer to everyone is You do not have to repay the loan.
Bank of America told me It was include in my bankruptcy and I didnt have to repay the loan. They also failed to mention that they would repossess my house four months ago . Bank of America gave me the wrong information and should be responsible to fix the problem they caused. I dont know what to do at this point and Im afraid Im going to lose my house. Please help.
I might lose my house
Jose of Upland CA (05/21/08)
Harassing, rude phone calls from Bank of America representative authorized by the bank to solicit credit moitoring services.
emotionally distressing
Tyson of Burbank CA (05/19/08)
They cashed one large check so they could charge me a separate over draft fee for several very small checks. The total amount for $50 in checks was $300 in overdraft fees. That's six times the amount of the original checks! Now they are threatening me with a collection agency!
I had to withdraw what money I had left and now stand to have my credit damaged by this bank. This should be criminal.
Frank of Van Nuys CA (05/16/08)
On 05-09-08 I orderd a stop payment on a check that I wrote completely wrong due to being in a rush that day. A few days after the transaction, the individual that i wrote the check to changed the terms of the service That I did not agree to and I decided to cancel the check. I dont understand how this individual managed to cash a check that had two different amounts on the check($100 in text and $168 in digit box)and still managed to cash the check for another amount($160)that was not written no where on the check.
When I saw the check clear I immediatly called customer service and explained my situation on 05-12-08. They heard me out and stated in a recorded call and that they understood my situation and said they would reimburse me for full amount in 24 hours. 05-15-2008. they did not reimburse for anything so i made another call to customer service this time they bombarded me with legal bank jargon and telling me to put myself in there position and to except a $60.00 reimbursment.
After a 30 min discussion about how I messed up in writting the check and how when processing my stop payment I should of stated the legal amount which is the amount you wright in text (silly me, I thought everything you wrote on a check was LEGAL). This still does not explain the negligence of BANK OF AMERICA cashing a check for amounts not written on check. What to stop them from confusing two zeros from three zeroes and blaming customers for there mistakes. On top of this whole mess The supervisor(daisy Employee#1580)decides to starts making snide remarks and when I asked to speak to manager she transfers me to some random employee's mail box. Any information to help me resolve this matter will help. Thank you.
I have not been able to pay important bills due to there mishandling of this matter.
Debra of Kissimmee FL (05/14/08)
Their rules constantly change to benefit their pockets and there is no consistency from one rep to another. In the past year, they have managed to rob me of over $900 of my hard earned money. I only know this figure because it was thrown in my face today by a so-called customer service manager that Im doing a poor job of managing my finances. Never mind the fact that I'm a single mom and a business owner trying to keep my head above water in the mortgage industry. I have been monitoring my account on-line constantly to prevent this from happening, and no one could offer me an explanation, all I know is that in 5 minutes I racked up $210 in overdraft fees for $30 worth of transactions.
When I questioned why they process transactions from biggest to smallest instead of in the order they are presented, I was told that this was intended to benefit the consumer so the most important items are paid. OK, so if I have a $100 light bill and I go on a shopping spree for $110, how is it more important to pay the shopping spree first? They have no method as to how long credit transactions and debits show as pending before that money is out back into your balance. All they can tell you is to write down every time you use your card, and do not rely on the online banking as a ledger. I may be wrong, but I thought debit cards were created as a convenience to the consumer, and on-line accounts were an added convenience. If I have to write down each time I use my debit card, wouldn't it be easier to write checks and have carbon copes so I can transfer it to a ledger when I have time?
Their customer service reps are rude and have no clue what they are talking about. They just love to point out that it's your fault and they stick together like glue no matter how wrong they are. Bank of America is definitely an institution with no heart. If anyone knows of a class action lawsuit against them, I would love to voice my opinions.
Elaine of Huntington NY (05/13/08)
I live on my disability income of $884.00 per month. The amount is directly deposited into my Bank of America account the third of each month. I have written, emailed and called the bank to tell them to cease and desist their over-draft protection several times. It has not stopped. I spoke to a supervisor today, May 12, 2008, and asked for it to stop. He told me it would. I have been told this before.
I have paid out $1716.00 in overdraft fees to Bank of America over the past year as a result of their protection. These fees have come directly out of my only source of income, my SSD check. Each month I start out in a deficit as a result of these $35.00 fees. They have charged me 5 times for one check! They will not credit my account for any of the overdraft fees even though I've told them to stop in writing. At this point I can't close my account because of being overdrawn. Do I have any recourse?
James of Waverly TN (05/12/08)
Bank of America indadvertantly charged 4 overdrafts on our small business acount that had $598.27 on balance. No one at the bank could explain why. When asked to correct the problem and reimburse our account,it took 2 days to get a response. since it was not fixed immediatly, more overdrafts occured due to the first four reducing our balance by $140.00.
they fixed 6 of the overdrafts, leaving 7 more that they would not fix. The bank resident said thats all they could do and never gave an explanation as to why this happened in the first place. They,did not know why this occured, but thats all their gonna do. The bank president was not willing to find and fix or explain the problem. We have done business with this bank for years and now we can't een get an explanation as to why these accounting problems are happening.
Besides losing money to this fradulent way ofdoing business, it has caused distress to my wife since it directly effects her small business account. Being treated rudely has its own effects resulting in more distress.
Merlin of Dade City FL (05/12/08)
This e-mail was sent from: accounts@bankofamerica.com Dear Bank of America customer, This e-mail was sent to you because we have detected an error in your billing information on file with Online Banking during our regular schedule account maintenance and verification. This might be due to either following reasons: A recent change in your personal information (i.e. change of address). Submitting invalid information during the initial sign up process. An inability to accurately verify your selected option of payment due an internal error with our processors. Click the link below and confirm your Online Banking account information, otherwise your online access will become restricted.
No damage,just wanted you to see what is floating around in peoples e mail,received 12 may 2008
Art of Bonney Lake WA (05/10/08)
After promising me three times that I had overdraft protection on my checking account, with my American Express card, I was charged $35.00 per item, that cost $2.00 to $3.00, instead of having the promised protection kick in $25.00, which would have resulted in only one $10.00 bank charge.
On top of that, I was charged another $115.00 with no reason. I lost that money, and decided to close my account and cut my losses quietly. Today I received a letter informing me that I owed $140.00 for over a month on this closed account. I was told at the Bonney Lake Branch that there would be no charges to me and the account was shown to be zeroed out. I was told I would get a receipt but then later told I didn't need one. Will this account closure stick?? More to follow. I'm skeptical.
Over 100.00 in overdraft charges.
Necie of Charlotte NC (05/09/08)
the customer service at Bank of America is horrible. I called over a week ago to have one of my debit cards deactivated because my ex-boyfriend had access to it. I spent 15 mins on the phone with the rep who told me he had deactivated the card and that I could cut it up. Needless to say a week later my ex went to an ATM and toom money from my account. Of course when I called Bank of America's customer service they didnt have a record of me asking to have my card deactivated.
Luckiely it only resulted in my losing $62 dollars. however, it should have never happen if they would have done as I asked them.
K. of Los Angeles CA (05/07/08)
Bank of America-- Predatory Banking! I have been a loyal BofA customer for more than 2 decades-it must be $ millions in transactions. All my personal finances and my families business transactions. My entire customer worth came down to a dispute with a net value of $140 dollars in unfair overage fees. At the time of my initial request, I called and spoke to several representatives who assured me that a savings account was closed and that the money had been transfered to my checking account.
I also requested that this little scam keep the change be closed on my account. (in effect, this actually was the reason that they were not able to close the savings account...or so they claim) Neither of these two things happen and I was subsequently charged 5 overdraft fees of $35 each--independent of the fact that this would be more than covered with the savings amounts that should have remained in my checking account.
I will close my account today and go with WaMu or Wells Fargo, who don't have these charges. I simply cannot BELIEVE this crap and will take all my business elsewhere. I am willing to serve as a spokesperson against BofA as they (in the name of profit) have so eagerly/readily dismissed by business.
Consequences to me-- multiple $35 charges, stress, overage fees, wasted business hours, and overall lack of respect for a long-term client.
Karen of Tewksbury MA (05/06/08)
This bank in the last two days has charged me over $320.00 in overdraft fees, the did refund me the $125.00, why would they continously approve purchases when you didn't have enough money in your account. This bank is allowed to have this practice. I have had a pending deposit, conveniently that isn't posted as pending but the ovedraft fees are. Then I have a transfer from my checking into my savings because there wasn't any money left, they transferred the amount anyway and then charged me a fee.
My checkbook is now out $175.00, this is extortion.
Stephen of Dumont NJ (05/03/08)
my son was charged $750.00 for four happy meals about 10.00 dollers by the bank of america in over draft fees on his debit card.how can i teach my son about banking with these rules.The bank made us pay and said they would ruin his credit.
Debra of Reno NV (05/03/08)
My husband and I have 4 accounts with Bank of America...1 business checking, 1 joint personal checking, 1 savings, and 1 mortgage. Our business has been struggling, and we were 3 months behind on our business credit card payment. We received one call in March from a Bank of America employee regarding the delinquent account. We told BofA that we were working on bringing the account current. We then received a letter on April 22nd stating that we had until April 29th to bring the account current. We were diligently working on that, and my husband happened to check the business account online on the morning of April 23rd to find a zero balance. I checked our joint account, and also found a zero balance.
We went to our local branch and spoke with the branch manager, who made some calls and found out that BofA had exercised their 'right of offset' and emptied both accounts without notice to apply to the business credit card. The total in both accounts was more than $2100.00. The Branch Manager, Leah Goss, really went to bat for us...we were in the bank for about 3 hours, and she agreed that it wasn't right for us to receive a letter giving us until April 29th to bring the account current, and for the bank to empty both accounts on April 23rd without even giving us a chance.
While in her office, we spoke to a representative, April Salazar, from the Bank of America Customer Assistance division, the division responsible for emptying our accounts. This person was extremely rude to us on the telephone, and said there had been numerous attempts to contact us, with no response. That is absolutely not true. We received one call, and spoke to a bank representative and explained our situation.
Yesterday, April 30th, we received a letter dated April 24, 2008 from BofA informing us that they had emptied both accounts, and that the funds would not be available as of the date of the letter, April 24th. They actually emptied the accounts on April 23rd. We certainly don't dispute the fact they we owe them money, and we have been working very hard to get our business back on track and get the bills up to date. At this point, we are short $2100 that was to have been used to help pay those bills, along with other living expenses. My issue here is the fact that Bank of America says one thing to us in writing, that we had until April 29th to resolve our problem, then they turn around and clean out our bank accounts 6 days prior to the deadline they gave us without any notice at all. Is this legal?
We are wiped out financially. No money in the bank, no money to pay our monthly bills. Our trust in the banking system has been completely shattered and we don't know where to turn.
Gerry of Bolivia NC (05/02/08)
Yesterday I had 4 transacations in my checking account's pending column. 2 debits totalling -25.00 and 2 deposits totalling +30.00. i also had a balance of +24.00 from the previous day. I incurred and overdraft fee (-35.00) in the pending transctions. There is nothing wrong with my math. BOA has designed their software to this. They counted the debits first which left me with a -1.00, which never showed in the posted transactions - because it was not an actual figure - just a technical one that lasted the duration of a nano-second: the gap between posting my debits and then posting my deposits. The computer kicked in an overdraft fee, between posting debits and deposits, and then took my 30.00 deposit and applied it to the fee leaving my account a couple dollars in the negative. (amts have been rounded off to the nearest dollar)
I had transfered the -30 into my account to get gas to go to the university, where i was planning to work on a final project. I could not make it there, and did not dare buy my kids anything for supper, for fear of incurring a string of overdrafts. They ate peanut butter sandwhiches. BOA has more of my hard earned money. I plan on cutting my losses (this has happened a few times before) and leave banking accounts altogether - the conveniece is not worth the hassle. I will just work out of a cash jar, in the house, like folks use to use.
P of Mystic CT (05/02/08)
I have been a BofA customer for ten years and have never had a problem. Imagine my surprise when my check card got denied last week. I went straight to the ATM to make sure that funds were transfered from my savings to my checking. Problem solved. That night I received a notice in the mail for an insufficient fund charge.I expected that. Unfortuntely, I also received FIFTEEN more thirty five dollar fees in the next two days! They didn't bother to decline my card until I was SEVEN HUNDRED dollars in the hole.
This, of course, was just a huge snowball effect. I never knew that I was overdrawn so they just started withdrawing hundreds of dollars out of my account. I feel like I have been robbed and there is nothing I can do about it. I have spent hours pleading my case but have gotten NOWHERE. I don't mind paying the first couple of charges because they were my fault. But after that...They owed it to me to let me know there was a problem...At least decline my card so I could have straightened this out immediately. Please warn Debit card holders of this.
As for me....I'M NOT DONE FIGHTING!
K. of Bellflower CA (05/01/08)
My incident has happen three times where I have used my card or wrote out checks and had to make a deposit and made that deposit, but Bank of America moved all my transactions around.
I rececently made a deposit and knew that I had two checks that would be coming in after my deposit. Bank America credited the deposit and I got on line the next day and printed down the deposit and any previous transactions and everything was find. The following day(2 days after my depost) i get online to see what have came in and Bank America has moved my deposit around to show that in came in after my debits which of course made my account overdrawn, I called them and again they told me that they did not move anything around that it was the way they came in, and when I told them that I had copies of each and every transaction dating back three days, they told me that they move thing around because this is how the customers want it.
They want all there debits from the highest amount to the lowest amount. I said that you show debits in order of high/low does not explain why you moved my depost to be credited after my debits came in and you charged me. I've had it with them, I did not want to change banks because I have been with them for some time, but they have done this more than once. In my circle of friends they say they would not deal with BofA is they tried to pay them.
Rita of Los Angeles CA (04/29/08)
I checked on my BOFA checking account and noticed that my overdraft protection had been applied to +96.00. I called to ask why and I was told that pending charges and deposits no longer apply to the balance, and I had over drafted my account. NOT according to my statement. Then I was scolded by the customer service rep about not paying attention to my balance. I've been with BOFA for ten years, and I've always used the online service and cash machines with success in determining my balance.
Apparently, there's some new rule (which I still have yet to receive a notification of) that their assessment of you balance doesn't really matter if there are pending charges. Needless to say, I did find a sympathetic ear to transfer the $100 back onto my BOFA credit card, but I have to now call the credit card company to credit me for the $10.00 overdraft protection fee. Some racket, huh. No overdraft = $100 on my credit card, + a $10.00 fee.
I live paycheck to paycheck and I used to count on BOFA to give me proper balance information. Now I have to make sure that there's a few hundred dollars cushion (according to the rep I spoke to), so I don't overdraft. $10.00 fee
Ron of Dunedin FL (04/28/08)
From: Bank of America
Sara of Midlothian VA (04/28/08)
I am currently going through a divorce, which is expensive. Since I am also a college student and mother I don't have a lot of money so my father very generously offered to transfer money into my account so that I could afford a lawyer. We both have Bank of America accounts and decided to go to the branch closest to my house to do the transfer in person. We assumed this would be easier and decrease the chance of there being any problems. When we transferred the money we were very specific about what money went into which account. The woman even repeated the info back to us to make sure it was correct. We were told the money was deposited and was available for immediate use since we had done all this in person (online takes longer to post). We then went to the lawyer's office and paid by check.
I thought everything was taken care of until a week later when my lawyer's office called me and told me that the check had bounced! BofA never emailed me or called me about this matter even though it was thousands of dollars and I am signed up for alerts when I have under $200 dollars in my account and when I overdraw. I found out at the very last minute, after I had taken off a day of work the next day to see the lawyer and talk about very critical child custody issues, that my appointment would now be cancelled, my lawyer was not reserved for me, and there wouldn't be enough time to reschedule as she had another client pay after my check had bounced.
I called BofA and asked what had happened. Apparently the woman at the bank had transferred money into a different account despite us being very clear with her and her repeating the info out loud to us. I was also charged fees, one for bouncing a check and another for overdrawing my account. I made sure that all fees would be refunded and the money would be put into the correct account, although this was over the phone so I still had to wait 2 days before it showed up on my account. The I had to wait for BofA to email or mail me a letter of apology explaining the situation so that I could show my lawyer that I was not at fault (they refused to accept payment from me since I had already bounced a check). BofA took their sweet time with the letter of apology, which caused me to completely lose any chance of getting a lawyer at the firm in time for the court date. BofA messed a lot of things up and in the end there's nothing I can do.
I lost a day of work (that I had taken off to meet with a lawyer) due to the check bouncing and my finding out less than 24 hours before the appt. My mother also lost a day of work because she was going to watch my daughter while I went to the appt so that I would save money on daycare expense since I wouldn't be gone for the whole day. I was charged 2 fees (for overdraft and a bounced check). I lost my lawyer as she had to take clients who actually paid and I never offically paid due to the check bouncing. I now will have to go to a difficult custody hearing without a lawyer all because of BofA messing up!
I probably won't lose custody of my daughter despite not having a lawyer but it has made me have to change a lot of other things such as greatly increased visitation times and much smaller amount of child support so that I have a better chance of keeping custody. If I had a lawyer I wouldn't have made those changes. My mother is also having to take another day off work so that she can come with me to court, which she wasn't planning on doing but since I don't have a lawyer I don't want to be alone in the courtroom for what I know will be a very difficult day!
Since I'm now afraid to deposit money, withdraw money, and use any money currently in the account I have been using my credit card, which I can pay easily pay off weekly when I get my paychecks since I don't have direct deposit. It does, however, make things more difficult as I normally never use my credit card except for buying textbooks and school related supplies and now I have to be very careful keeping track of what I spent, where, when, etc. and I can't track these purchases online as well as I could with a regular bank account. BofA is certainly not going to reimburse those kinds of things.
Even though they messed up big time and caused a lot of bad things to happen they don't even care! I am only keeping my account open long enough to make sure that they don't try any new stunts such as new fees. I figure I'll wait until the next statement comes out to make sure they have everything right and then close my account.
Pascale of Las Vegas NV (04/28/08)
I have been a customer of bank of America for more than 10 years. I had 3 accounts with them. 1 savings and 2 checkings I decided to purchase a house (since this is a buyer's market) so i decided to sell one of my lands in for Florida for the down payment. I sold my land for $27,000. On january 7th I went to bank of America branch on Maryland parkway in Las Vegas with the buyer.. the buyer got a cashier's check from Bank of America for $27,000. I then deposited that amount in my savings account.
One month went by (check cleared) and my realtor calls to let me know we are ready to cllose escrow and need the funds. I call the bank to see my balance and to my surprise on that exact same day Feb 7 they froze the $27,000. I thought this might be a mistake or just a hold so I called the customer service and was treated like a criminal, telling me I commited fraud and that the bank was coming after me .. I demanded the reason and every single time they would hang up on me... I went to one branch and again I was treated like a criminal. A day later they froze all 3 acounts with a total of $41,000. I was left with no cash and no reason why they were doing that...
I was losing my house so i went to another brach on West warm Springs. I demanded to know why my money was frozen and MYRNA one of the teller told me that I commited fraud.. I was really upset since I was loosing my house, my money and my godfather just passed away on the 8th and i had no way of going to Europe for his burial I again told the teller to call a manager or district manager but she would not do it....She only treated to call the police and when she picked up the phone to call them, i just left Bank of America froze my account for 2 weeks, sent me a check for $14000.. where is my $27,000
With all the stress I know suffer of panic attacks and am on medication. I lost $27,000 Help I need a good lawyer
Tae of San Diego CA (04/27/08)
I went to Macys to purchase some items on Saturday, I tried to use my debit card and it was declined. Shocked, I call Bank of America to figure out what is going on because I know I have funds available and I am automatically transferred to the Fraud Dept. in Phoenix AZ. Because I am not fluent in English, I have my granddaughter interpret for me while I am on the phone with the fraud analyst. After taking about 30 minutes into verify my information, because they insisted that they had to find an interpreter themselves and not go through my granddaughter the fraud analyst representative Cordella said my account was blocked because there was unusual activity at the beginning of this month.
The unusual activity was an atm withdrawal of $500 at the beginning of the month, which I use to pay rent. I have been doing this for the past 2 years and now they say this is unusual activity? So my granddaughter asks the rep to explain why this is happening ALL OF A sudden, and the rep's reply was I have the authority to monitor your account, it is my job and I can put a hold on it whenever I feel like there is unusual activity. We wanted to speak with a supervisor because this person was rude, unhelpful and almost discriminating in her attitude towards us. She said I don't have a supervisor, Im a financial analyst and I was providing you exceptional service because even though you were using profanity, I dealt with it!
And we were so astonished at her accusation because we are not the type of people to use profanity in conversations. My granddaughter was out of words and just shocked at the type of service BofA was trained to provide. She was obviously not treating me as a customer, but more of an annoyance because I could not speak English well and she wanted to get us off the phone and even denied out request to speak with a supervisor. I have never felt so discriminated by a bank employee, especially a big corp like B of A. And to think that my card can be blocked, without any reason, any time they want to... it makes me cringe to my stomach.
When I was declined of a $20 charge a Macys, I was extremely embarrassed and baffled. This is my hometown dept. store where everyone knows everyone! Who is going to pay for the embarrassment I got when my card was declined? I have a chronic cardiac disease, where if I am stressed/shocked, it could be detrimental to by survival. I had to get emergency treatment with nitroglycerine at home because I was so shocked from the situation. Also, the ruthless representative at b of A made me feel unsafe with my available funds AND was illogical in her explanations as to who this is happening. From now on, every time I use my atm card, I need to be in fear that it might be declined because someone at fraud services is having a bad day.
Albert of Germantown MD (04/25/08)
On April 23/2008 on my bussines account deposit the exactly amount of money to cover some payments,that shows on my online statement,since is a bussines the cards are used to fill gas on 3 vehicles,1 of this transactions never shows on the system not even as pending or -$1.00. on the balance summary. Suddenly one transaction pops up posted on 04/24/08 in the account since I got the knowledge that wasn't enough money to covered inmediatly I run to the bank and deposit cash to prevent overdraft fees.mo mather that I complete the deposit succesfully and is posted on my account the Bank charge me overdraft fees on Previous transactions made the day before,
When i call them there answer was If i want to save money I need to have a pencil and paper and call my employes everydays and ask how much they spend on gas anyways I show them that the nigth before on the account I put the money to cover whatever shows online and they say that the transaction that they posted was there So i told them If was there i should put more money and not the exactly amount to cover the other ones. well is not the first time this happened to me on my bussines account but with the economical situation of the country and my personal finances I'm not longer willing to give my money just like that without acting,How many people is being treated like this.Is a bank entitled to make this kind of things,So why use the online banking to keep track and control if they don't show the transactions and they later argue that is not there mistake if the computer doesn't show it.
Is not more then $70 dollars but how many people at day is being tricked like this,also i don't think customer service have to tell you how to conduct your personal bussines
Robin of Springfield MO (04/24/08)
I would like to file a complaint on Bank of America, MYPaydayloan, MTE Financial, and Cashusanet. Bank of America has let these companies put money in my account and take money out of my account like a revolving door. I complained to Bank of America while these transactions where pending and the give the money to them. Then they credited my account for some of the transactions and then they sent that money to these payday loan companies as well. Bank of America credited my account 740.00 nsf and then debited that money back out of my account as I used a check atm withdraw. I believe that there customer service is in on this scam.
The best I can tell is that USACASHNET exists but they refuse to give me any information on the loan. They said I would have to get it on line with a user ID and password. I have never heard of these 3 companies and I can not believe that bank of America is allowed to give my money to anyone without a signed contract , without a check, and without notify me that they are giving my money to someone and then to credit my account and send it to these same people that took it to begin with is insane. I have contacted Ken Lewis, Bank of Americas President, he put a woman in charge named Leyland Southern and she claims that the bank is not in on it but she is the one that sent my money to these companies the second .
I have been refused the information from the bank to where they are sending my money and to whom they are sending it. MTE Financial does not exists at all, it appears to be an internet scam operation that changes its name quite often and appears to be in with Bank of America quite often in this scam. MYPAYDAYLOAN is suppose to have a bank account in California but there office is suppose to be in Costa Rica. How can these companies do this. I know it has to be illegal and I want my money back. I do not believe for one minute that these companies are getting by with this without bank of Americas help. I thought my money would be safe.
Is it not the law that Bank of America has to have my signature for the realize of my money to a company. I am furious. Leilani Southern refused to answer my emails and has blocked me from emailing her. Avoiding this situation will not cause it to go away. It is oblivious to me that she must be in on this as well. Anything you can do I would appreciate, I have filed complaints with the Better Business Bureau, against Cashusanet and Bank of America, how ever I can not find the addresses of the other 2 companies to file against them. MTE Financial and MYPAYDAYLOAN I believe are just bank of accounts connected with Bank of America Employees. I have also written governor Blunt and Senator McMcaskill and filed a complaint with the FDIC on Bank of America. Any information you can provide me with on these four companies would be greatly appreciated.
I am out about 1300.00, 740.00 bank fees which I was credited and then it was taken back out by Leilani Southern as atm withdraws. And the money that was credited into my account has also been given to these companies by Leilani Southern.
Trisha of Plano TX (04/24/08)
Everyone be aware of BOA's new policy, that by the way I was never notified about, until I got over 200.00 dollars in over draft fees. BOA says you now have to have the funds available when you swipe your card, meaning lets say you have 10.00 in your account make a purchase for 11.00, you realize you went over and deposit or even transfer that amount from savings to checking, well that does not matter (even if the transaction is pending)you swiped the card the funds where not available so you get a 35.00 overdraft fee. Now here is the kicker a BOA says there was a survey done and majority said that they do not want things to post until midnight the following business day. Be careful how you spend your money on the weekends when items hit monday morning you have better taken in to consideration any overdraft fees you might get. With the new policy this is what happen to me.
I had 200.00 in my checking account,I spent 80.00 at one store then 122.00 at another store. Realizing I went over went directly online and transfered 70.00 from my savings to checking (before any cut off time), and was showing my available balance was now 68.00. Well now that I have an available balance I go eat and buy a couple other things not going over my now available balance of 68.00. Well come monday morning I am negative! Why well when I swiped my card the funds where not available so I received two overdraft fees for 35.00 dollars. now I still have the other purchases pending (when I swiped my card the funds where available)Since I was not charged the overdraft fees until monday these other pending purchases will now receive overdraft fees even though when I swiped my card they where available, and I'm told even if I transfer money over I will still get overdraft fees for the pending transaction because the computer system will not recognize the funds being there for these other purchases.
I thought the purchase was fine as long as the amount was available when you swipe your card? not after any fees you may or may not get. Its seems to me that polocies always change to benefit the company and never the consumer, but we are told it is for our protection or benefit(aload of you know what!).
After all was said and done I got 8 overdraft fees total. I was told that the system decisioned my fees and there was no way to refund the fees. Another load of you know what, do not ever let a bank tell you there is no way to get your money back there is always a way to override, or get your money back always! After a week of calling and going over my account with supervisor after suprvisor I did get back my fees but if I had not been persistant and almost threatning this would never had happened. Never let them take advantage of you with new polocies and procedures that never make any sense except to the bank or computer taking your money.
Frank of Lehigh Acres FL (04/15/08)
Funds were withdrawn from account and I made several payments from this account to my car note and other bills. I will be charged because the funds will be removed
I want funds redeposited back to my account so that my car note payment and other bills come back. I was never notified about Bank of America making this transaction
Alma of Venice CA (04/14/08)
I recieve SSI (direct deposit) and they are giving me different reasons why my money is gone. Im too broke to hire an ATTY. and they are trying to convince me that the treasury department sent me a bounced check back in january ...HMMMMM! PLEASE HELP ME!
IM BROKE AND THEY STILL WANT TO CHARGE ME!
Monica of Lynwood WA (04/10/08)
My balance was low in my checking account so I transferred money from my savings to my checking to over my debts. The next money I saw my account OD. They transfer I did the night before (I did online at 10pm) did not post. When I called customer service about it, they would not help me. They only told me my account was on hold until 2pm and I would not be able to use my account until then. EVEN THOUGHT I HAVE MONEY IN MY ACCOUNT AND TRANSFERRED THE MONEY FROM THE DAY BEFORE. I also got charged $35 per item that cleared.
Thanks a lot for taking my money Bank of America!
Josh of Dallas OR (04/10/08)
A few years back I had opened an account with B of A. I also took out an auto loan with them. After a nasty divorce I went into ruin and my vehicle was repod and my accounts closed. I had UNKNOWINGLY overdrawn my account by $ .84 cents. They then out my information into a system that resulted in me not being able to open a bank account anywhere. I had no choice but to return to bank of america to open another account. At that time i was in the process of paying off all of my debts and had already payed off a $4,000 dollar credit card bill through them. The last thing i had was the remainder of the repo, after contacting them to set up some kind of payment plan, they were VERY eager not to help and it almost seemed like they were enjoying being diffuclt.
After some harsh words from their end i decided to try another day and work with another rep. They had other plans.... I had multiple savings accounts with them. I had one set up for the lawyer bills i have in my custody case that is still going on. To make a long story short, they zeroed out that account to put toward the repo account. I am now left with almost nothing and lawyer fees that i am unable to pay. I pray that I do not lose custody of my son over this.
Alissa of New Haven CT (04/10/08)
I recently saw a $25 dollar charge on my regular checking account that I have had for 3 years. I never had this charge before. It stated Advantage Monthly Maintenance Fee. I looked it up and it is associated with the Advantage Checking account, which I do not have nor did I sign up for. I called BOA and inquired about it, they said I must carry a balance of $25,000 to avoid the fee. What? I don't have that kind of money!! Apparently they decided to enroll me in the Advantage account without my permission. I was told I was enrolled because I carry high balances and I have a mortgage I have never owned a home! When I tried to cancel the rep told me that I could no longer receive free checks. Oh, like free checks is worth the $25 per month you are going to charge me? Thats $300 a year! Glad they were able to refund and disenroll me. Still, this is illegal!
Madlyn of Duluth GA (04/09/08)
I've had my payroll check from Verizon Business deposited into my checking account with BOA for 3+ years now. I made an adjustment in my auto deposit, which resulted in me getting a live check, rather than having it deposited. When I took the check to the bank, they held the check for a week, causing several of my auto ACH's to be charged a 35.00 NSF for each. When I contacted them about this, they suggested I get overdraft protection.
They were holding my paycheck hostage, and charging me 35.00 a pop for the pleasure of doing so!
My complaint is the lack of customer service, for a loyal customer, of over 10 years. Their pre-packaged auto responses are insulting and their lack of individual consideration based on a case by case basis, is ridiculous!
Mike of Fort Lauderdale, FL (04/07/08)
Bank of america charged me the amount of $35.00 eight different times in a two week period for being overdrawn. They did not care that it was the same company(l.a fitness) over and over trying trying to do a direct withdrawl.I called a few supervisors and they almost sounded excited to not help me out.
Melody of Carriere MS (04/07/08)
I wrote a B/A check to pay a pool installer. the work was really bad and the job was not completed. I telephoned Bank of America to stop payment of the check and was advised on several days the check had been stopped and I did not have to worry. Well guess what the check was paid.
I had to pay the $2000.00 plus interest to save my credit. I did close the account.
Candy of Placerville CA (04/01/08)
I have unauthorized withdrawals from my checking account of $25.90 from AOL and Bank of America refuses to get involved because I did not report it within 60 days. These charges caused my account to become overdrawn and they are charging me $200 in overdraft fees. In addition, I asked they close my account and that I would make monthly payments to them to clear up the debt and they responded we cannot close the account until the debt is paid. This means they will continue to pay AOL (who is not authorized to withdraw funds from my account) and charge me the overdraft fee. Furthermore, they will continue to charge me the $5.00 service fee each month. I explained to them I have not worked in over a year and the best I can do is make a small monthly payment to satisfy the charges and they will not accept that. So my account remains open and charges keep building because they refuse to close it. What type of business are they running?
Their refusal to close my account is costing me overdraft charges on unauthorized transactions and they continue to charge me $5 a month for a service fee when I have not used the account in over 3 months.
Lawrence of Kansas City, MO (03/27/08)
B of A held deposited funds for six weeks, well after the sending bank cleared the check, before allowing funds to be available in a small business checking account. Thereby, B of A could claim overdraft fees on funds they extended to pay claimed overdrafts; such credit extended without my written permission.
When notified no permission was granted, the bank should have closed the account but instead continued the overdrafting. All this occurred while there were sufficient funds in a linked savings account to prevent overdrafts.
The bank claimed no access to said funds when this was pointed out, claimed they had no signature from me. Then they started withdrawing funds to pay the bounced checks.
Six weeks later, the last deposit made and cleared from the sending bank has not been made available to my account.
I do not believe this to be harmless error.
Christian of West Hollywood, CA (03/27/08)
I unfortunately was involved in an internet scam that was quite elaborate. I received a check that was deposited in a newly opened account separate from my regular account. A couple days after the check was deposited, the full amount of the check was available to be withdrawn, which to most people means a check has cleared.
I didn't have my new card so I had to transfer funds to another account. Bank of America decided the check was phony, pulled it and canceled the account. Then they recouped the money they released from my account I transferred to. I lost $2200 on the counterfeit check.
They basically said I should read their fine print and that they can do nothing for me.
Jeannie of Sutter CA (03/22/08)
Last week, I went to Bank of America to ask for a reversal of a $12 fee. After I was refused, I withdrew $370,000 from the account. Later, it dawned on me that the Branch Manager (Yuba City,CA) allowed me to make the withdraw without showing a single piece of ID! She didn't even ask for my social security number. All I showed her was a PHOTOCOPY of a single page of a recent bank statement. Any number of people could have had easy access to that (from my home office or garbage can).
I still hold a large account at Bank of America and am looking for reassurance that my funds are safe. If I had been anyone else other than myself last week, only part ($200,000) of those funds would have been insured. That Bank Manager put $170,000 of my funds at risk! I tried going online and calling several phone numbers to try and find out where to write a Letter of Concern to Bank of America and got nowhere. What to do?
Jose of Sunrise FL (03/18/08)
I was charged three overdraft fees for the amount of $35 each time for overdrawing my account. I made the deposit before and was charged the amounts, so my account was showing as positive. I did a transfer of one dollar to another account. Now the bank said they will charge me again 35 dollars for overdraft fee because the transfer was cleared later than the time I did the transfer. And after charging me with three overdraft fees my account was negative, and was what caused the one dollar charge to make another transaction over the limit. What looks like to be caused by the bank. A month ago I was charged an annual fee of 29 dollar that cause my account to be over the limit. The bank charged me again a 39 dollars over limit fee that was caused by them.
I have no money to eat. My budget is small and all these charges will make my life harder. It may seem small money for others, but I believe I should earn my money honestly to live. I believe such a behavior from the part of a financial institution is not fair. The charge could be avoided. First if I could have the option not to allow transactions to go through If I had no funds in my account. Second, If the over limit fee would be charged right after I was overdrawn. Now I have no money to pay for gas and no money for food because I am charged three times, not one time the overdraft fee. This would be much more fair if reduced to one fee.
Thomas of Sunnyvale CA (03/14/08)
After waiting for a period of time, Tej Randhawa of Bank Of America in Sunnyvale has wasted my time to deposit a client's check that they stated will only take a few minutes. After waiting, Tej has decided to tell me I can cash my check elsewhere as I told him I will wait patiently as I stood in line for a period of time to get my check cashed. I need to move forward with the project; my client has signed a budget for products which now has been delayed. After speaking with my client, they were upset and I had explained to him that I cannot accept any more checks from Bank of America as they were charging $5 per check which delays every project that is assigned by my client.
As stated by the client, they are very upset and had to be apologetic for Bank of America's actions, represented by Tej Randhawa of Bank of America. During the waiting period, the check was not verified in any way as Tej just sat there looking at me and not taking action. Definitely would overview his skills as a bank associate.
This has damaged the clients reputation due to their BofA banking affiliation. The job cannot be complete since payment was not collected or verified to cash a budgeted project.
Labarron of Jacksonville FL (03/14/08)
If you want to dispute a charge to any of your accounts that a company has made without your authorization, BofA will allow you to file a dispute. However, when I call to dispute a charge BofA made to my personal checking account, I was told there was no way to dispute the charge, let alone file a complaint. This is illegal.
Violation of Due Process.
Patricia of Brooklyn NY (03/11/08)
My complaint is on on Bank of Smerica, p.o. Box 25118, Tampa, Florida 33622. The issue is their check depositing practice. I have been a customer since 1999. Because I have had issues with Bank of America before, I stopped depositing my work check electronically to them. Last week I deposited a check from my credit union account, and on Monday I checked the status, and it was placed on hold; but when I called my credit union, which is in California, the check was cleared! I called because the money was to move into an apartment, and I was supposed to give the money to my new landlord and had a deadline to leave my present apartment.
I spoke to a rep and supervisor, and neither seem to have a solution for me but to wait until Friday! I offered to have the credit union to fax proof it was with drawn, and the rep couldn't even figure out who to direct the credit union rep to, to send the fax to show it was taken out. The credit union couldn't understand the hold nor the rep and supervisor's lack of knowledge on how to help me. I would like Bank of America to tell me why would they put a hold on my check? I've never had a returned check with the company!
I have to move my things to storage for 2 days! And my 4-year-old and I have to go to a hotel.
Trina of Culver City, Ca CA (03/08/08)
This incident was happening around 1997. I would always deposit my husband's paycheck every Friday (a FedEx company check) into the Westchester Branch's ATM Machine, even though our Branch was in Culver City. Every month they seemed to lose 1 of his paychecks and not post it until about 1 month later. Oh, I would call the bank as soon as I made the deposit to check and see if they got it. They would say it's in a misc. bank account because we did not know what account# to post it to.
I told them the acct.# is on the back of the check--how can you not know? Then they started charging us NSF's, overdrafts, etc., and never credited our acct. Finally I left for WELLS FARGO BANK.
Melissa of Jefferson City MO (03/08/08)
I put in a PayPal transfer to my checking account on March 4, 2008. PayPal put the status as Completed at 20:29:01 PST. I wrote a check to my child's school with PayPal showing that the trasfer was completed. Bank of America (BoA) didn't put a hit back to PayPal until March 7, 2008 so the check that I had written to my child's school put my account into overdraft. As of 1:35AM on March 7, 2008, the check withdrawl was still pending so I thought I was alright and that the transfer would go through BEFORE the check was deducted from my account.
BoA applied a $35 overdraft fee to my account AFTER they processed the deposit. Even though deposits are supposed to be processed BEFORE withdrawls, they still processed the check on March 7, 2008 BEFORE the deposit. Not only was the customer service people rude but one customer service representative stated to me that the overdraft fee WAS refundable and that it WAS banking error, but then when I called back asking why the overdraft fee had not been refunded yet, they informed me that it was not refundable and they were going to keep the $35 overdraft fee.
Barbara of Tujunga CA (03/05/08)
My husband and I transferred $1000 from our Bank of America in Sunland, California. The date was Nov 15, 2007. We transferred it to our account in Costa Rica, at Coopemex, San Jose, Costa Rica. Our account was billed for the $1000 and also a wire transfer fee of $45 approximately. The money was taken from our account, and it never arrived to our Costa Rica account. We discovered this when we went to Costa Rica for a vacation, and the money was not there. Additionally, when we tried to phone B of A from Costa Rica, even though we phoned toll free numbers, we were billed for the calls totaling about $50. We have attempted for weeks and weeks to resolve this, and we are getting no help from B of A. Our money was stolen.
We are being denied the funds and any interest it might have accrued. Plus we are being billed for the phone calls to try to resolve it. This is theft.
Sue of Nye County NV (02/29/08)
I deposited my husband's check into my account at a local ATM. It is a small town, everyone knows everyone; the bank mailed it back to me stating he was not on my account, which caused 4 items to bounce, charging me $140.00. I called their customer service line. The rep there told me that the check was on hold until midnight, and that the funds would be released. But this didn't happen.
Bank of America refused to credit me the overdraft fees, even after they admitted they were wrong.
Judy of San Francisco CA (02/29/08)
I opened a Prima Account through a branch and specifically told the staff that I have mortgage with BA, so any fees associated with Prima account would be waived. This is my 2nd Prima account, so I knew how the process would be. Unbeknown to me how incompetent the staff would be, she opened my account without notating the waived charges. Therefore, from 9/2007 to 3/2008, my account has been charged $20 monthly service charges. I called in March 2008 as soon as I saw these charges on my statement. I went to the branch and called the 800 #; the only thing they were able to do was to credit me for 3 months. I would have to be responsible for the other lost fees because I wasn't checking my statement. I am still very fired up regarding this issue, as it was a staff problem by BA; and they should be liable for this and give me back my money!
I suffer monetary damages by these service charges, lost time and effort in attempts to try to resolve issue, but efforts were worthless.
Armando of Murrieta CA (02/25/08)
The bank cashed a stale-dated check almost 10 months old that I had credited back into my account. I did this after waiting 6 months for it to clear. When I paid my mortgage that month, my check bounced for insufficient funds, and they charged me a $35.00 fee. They claimed the check is good up to 7 years if presented. I used to work in banking, and I know it does not cost them $35.00 in expenses to handle an overdrawn account.
I had to scramble to cover the difference in the account as well as fees and to make sure no other checks hit the bank before the fees were covered, or they would return them and charge me an additional $35.00 each.
Kathie of Greenfield MA (02/25/08)
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.
So far they are charging me $95 for overdraft charges. I also have direct deposit going to this account which they say they will take. I also have direct payments coming out of this account. This has caused me to be sick all weekend with this unending mess up. Please help.
Rob of Towaco, NJ (02/22/08)
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'm currently fighting with Bank of America to get back the fees charged and get them to straighten out the over the limit notification to the credit bureaus.
Autumn of Homosassa FL (02/19/08)
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+.
I lost money out of my account. I lost months' worth of Fees for a plan I never ordered. It ruined my credit.
Chrystal of San Francisco CA (02/16/08)
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.
It has been more than ONE MONTH after I initially tried to deposit the check. Bank of America loses my check. I ask BofA to send me a copy of the check, and I receive something totally worthless. I was then misled to believe that I could deposit an invalid document, then I am told to wait one more week after a month of waiting for the check. I WAS COMPLETELY FRUSTRATED WITH THEIR RESPONSES AND CUSTOMER SERVICE!
I am now behind on my credit card payments, utility bills, student loan bill and medical insurance bill. My bills are pilling up, and my credit card may file a claim against my credit report. If I don't get this check cashed soon, my situation will worsen, and my credit will be severely affected. I need serious help to sue BofA of moral and financial damages that this has caused me.
Henri of Chevilly Larue OTHER (02/13/08)
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.
The consequence is I am now without money to create the new business I have to create.
Marvin of Fairview NC (02/13/08)
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!
Bank of America has referred my account to a collection agency! I have had a 60% military related disability for several years; however, since the diagnosis of acute myeloid leukemia, I am now 100% disabled. My medical and personal expenses have risen significantly, and I haven't been able to be as independent as I was previous to my first hospitalization in July of last year. I've been treated by a doctor who wrote a letter for me stating I was 100% disabled, which I sent to all the credit card companies/Credit Protection Agencies along with a pathology report. Since becoming 100% disabled as of July 9, 2007, I haven't used any of my credit cards, while continuing to make all my payments (with the exception of Chase Bank) through November 2007. During this time I was repeatedly faxing and mailing reports, and calling to inform the credit card companies and their Credit Card Protection Agencies of my condition.
Every day I'm STILL RECEIVING calls from representatives of the credit card companies. Sick people do not need people calling them from 8:00 am till after 8:00 pm, and even on weekends. My doctor says this continued pressure by the credit card companies is to stressful for me and is not good for my condition. Two years ago I sold my home. The people who bought my home defaulted on the first mortgage, and I lost over fifty thousand dollars because I had agreed to hold a second mortgage for them. Losing all that money did not create as much stress for me as the credit card companies/Credit Protection Agencies are generating for me at this time in my life! Thank you.
Ann of Belleville IL (02/11/08)
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 have lost over $200 to the bank of america in overdraft fees alone because of misleading information from the bank. I'm a single mother with two children and I can't afford to give away that much money, especially when I feel I'm following the necessary procedures to keep my account in good standing.
Prezidentace of Sunrise FL (02/11/08)
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.
First, I had enough money to cover a payment for a purchase I made with this feature they forgot to take off with the switch they charged my account a NSF fee and trans fee of $10. I went back through my records and BOA did this to me on multiple occasions. They said it was my fault because I didn't notify them and would not refund any of the money. The estimated total last year had to be over $100 in the $10 fees and almost another $100 in NSF fees. When I complained they said it was my fault. I asked if they converted the account why didn't they take that feature away since it was not a savings? They replied it is my responsibility to tell them. I find that somewhat amusing seeing they made the changes to the account and never told me I could have the keep the change savings on a checking account. I know you might think why did I not notice this sooner and it is simple, $10 leaving my account at a time I just didn't notice, but a deeper look into my account upon the year review I find out. I was also told if I replenish my account the same day prior to 2pm I would not be hit with NSF fees. Each time I have done this they have denied my request. I currently have 1 investment account with BOA, 3 Checking. Out of all the banks I have banked with Bank Of America has the best service to your face but lacks delivery
Because of this I am now short my car payment and is adding much undo stress.
Gilma of Chatsworth CA (02/11/08)
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.
$2900 taken from my account.
Robert of Alhambra CA (02/07/08)
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 still need my $731 to be posted into my account otherwise I might get a 3 day notice and a bounced check on my car payment.
Angie of Orlando FL (02/05/08)
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.
I have spent time and money - cell phone bills, time from work, etc trying to resolve this issue. I even contact corporate headquarters of Bank of America. BOA says there is nothing they can do. I cannot believe this company has been allowed to steal from me and no one will do anything about it!!
Terrri of Roy WA (02/03/08)
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.
This constant treatment is causing great stress and despair. We are feeling threatened by this constant harrassment and the possibility that they could damage out credit. We don't understand how can this sort of treatment go on in this country?
Cesar of Norcross GA (02/01/08)
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.
These frequent overdrafts are causing economic problems. I thought Bank of America will base it on the interest of their loans--no, from billions of dollars they charge their loyal customers.
Dhana of Fairfax VA (01/28/08)
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.
Marilyn of Delta OTHER (01/27/08)
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.)
I never received my $4,000, and the Bank of America teller TOLD ME it was guaranteed. I want them to be held responsible for this, as I was suspicious: but when they assured me everything was fine, now I lost $2,400.
Pat of Henderson NV (01/27/08)
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.
Instead of having money in the bank I am charged $140--at a time when I am just returning to work after being laid off for 2 months. I do know how to count, and charging 140 dollars for a 93-cent mistake is criminal.
Sheila of Lanham, MD (01/24/08)
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.
I pulled the signature card because I did not personally added him to my acct. The rep stated that it looked like my handwriting when it was clearly obvious it was not. How can someone come inside a branch and add a name without the account owner present?
I asked them to return my funds because firstly, i did not add him to my account and secondly my name was not on his credit card application as joint. This happen 12/31/07, and they keep giving me all these crazy reasons as to why they feel this was appropriate.
Mary of Fresno, CA (01/24/08)
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 called again on the 18tf and the rep said it would be credited on the 19th. I was told on the 19th that the first rep was incorrect and that it takes 2 to 5 business days. I told them that I wanted to know the exact date that the money would be credited. She said it would be no later than the 24th of January.
I am very confused about this situation. Once the bank made the error on the 15th, it should have been immediately credited.
Judith of Spring Hill FL (01/22/08)
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!
WHAT? Do they not have a way to check their bills? This is ludicrous! This may not be a lot of money to them, but I am a retiree on Social Security and certainly cannot afford to lose a penny, let alone $100.00. They acted as though, "so sad, too bad". I just simply want people to know that their common practice is not to check their bills!
Mike of Stockbridge GA (01/22/08)
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.
My problem is the due date always seems to move to a weekend date, and I should not have to pay the bill early. If their billing system will use a weekend date, their payment system should also use it. I beleive that it is just a way to get an additional $39.00 out of their customers. Luckily I have been able to surf almost the entire balance to other accounts to get BOA out of my life forever. They are legally allowed to steal from their customers in the form of fees.
Douglas of Wake Forest NC (01/22/08)
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.
There can be no reasonable explanation for this other than BOA hopes to trip you up and nail you with overdraft fees. It's the same reason online banking is as ridiculously complex as it is--with pending charges and delayed deposits; nothing is in real time. The balances you see are never the actual balances. It's like everything they do is oriented toward pumping more outrageous penalty fees out of you. What ever happened to honorable business practices? BOA is more like a slipshod bazaar.
Devi of Baltimore MD (01/17/08)
I did a wire transfer using Bank of America in Balti |
