Complain about a product or service

Bank of America

Bank of America • Credit Cards • Gift Cards • Mortgages • Online Banking • Retail Banking • Private Banking --- News • Bank of America's Lewis Removed as Chairman • Rest In Peace, Countrywide Financial • Easter Surprise: Bank of America Raises Credit Card Interest Rates • Texas Launches Restitution Program for Countrywide Customers • Bank Of America Sued In Internet Ponzi Scheme • Brown Adds 'Shocking New Details' to Countrywide Allegations • States Sue Countrywide For Mortgage Deception • Fed Clears Bank Of America-Countrywide Merger • Bank Of America Tries To Stem Rising Foreclosures • Bank of America Buys Countrywide Financial • Bank of America Offering Credit Cards to Undocumented Immigrants • Bank Of America/MBNA Merger Produces More Problems • "Trailing Interest" Snags Bank Of America Customers • Bank Of America Goes Global • Bank Of America Considering Its Own Credit Card Brand • Bank of America Completes MBNA Buyout • MBNofA: Bank of America Adopts MBNA's Tactics • BA Buys MBNA • $625 Million Mutual Fund Fraud Settlement • BofA, FleetBoston Merger OK'd • BofA Loses Suit re: Social Security

Viktoria of El Paso, TX July 3, 2009

In May, 2009 I mistakenly paid all my bills (online bill pay) twice for one month by failing to notice that "reschedule" payment did not cancel the previous payment. Bank of America refused to refund my overdraft fees even though I contacted them about the problem in advance, as soon as I realized my error. Since some of the charges were pending the rep on the phone told me there was nothing could be done until they posted and told me to call back after all the bad deeds had been done. I did as instructed. When I called, I was told no one had instructed me to wait until the payments had all posted and I was told someone would contact me about my displeasure. Nobody did contact me. Their new cash deposit ATMs are also causing quite a few problems for me.

paul of SALT LAKE CITY, UT July 3, 2009

My child was hit by a car 15 years ago...we put the money with bank of america....biggest mistake of our lives....my kid is 18 years old now...we have the account number...we have the court order...and bank of america is refusing to give the kid his money...they are saying its theres because they have had it for 15 years.....they told us we better get a lawyer and spend it all on him before they give it to my child...we are daily contacting obama...to help us since they are stealing our money anyway....get your deposits out of there as quick as you can...they are folding...have to be to try and steal a kids money...we have an attorney...

Diana of South Chicago Heights, IL July 2, 2009

Bank of America is basically keeping two books. The activity sheet that shows your "available balance" isn't accurate. You have to go to the balance history sheet to see "all charges". They keep a second column on this sheet that shows your balance including holds and authorizations which is a completely different amount than what you're told your available balance is. Holds & authorization should show up on your activity page as pending charges.

They are basically hiding charges on your account to trick you into over-drafting. They just took me for 140 on this scam alone. I am changing banks today. I've never heard of this practice before.

Gene of Fitchburg, MA July 1, 2009

I was issued a check by my employer that was drawn on BOA, and after sitting in my car for 10 minutes waiting for a teller at the drive through to cash the check, the teller came on the intercom to tell me that if I didn't have an account I had to come inside to cash the check. So I parked the car, went inside and stood in line for 10 minutes just to be told that if I now wanted to cash the check I would have to pay a fee of 6.00 because I don't have an account with BOA. I asked if this was punishment for not having an account there and the teller nodded in the affirmative. They really are the rip off kings of America.

Max of pasadena, CA July 1, 2009

On 05/20/09 Bank of America charged me a slew of unfair overdraft fees. Although they refunded some of the fees, they did not refund all. While of the overdrawn transaction was pending, I deposited cash into my checking account to cover the amount (This was cash, not check deposited the same day as the initial transaction date 05/20/09. The overdraft fee incurred initiated a slew additional overdraft fees for not having funds to cover the overdraft fees. Contributing this problem was how late the fees would post to the account in relation to the offending transactions. The charged me 35.00 for 14 transaction totaling 490.00 in fees for a purchases totaling 40.83. Bank of America refunded 340.00 because they said that I hadn't overdrafted in 12 months and because they made a customer service error which added to the problem. Because they viewed this issue as several different occurrences rather than one big related occurrence, they refused to refund the rest of the money which I payed totaling 150.00.

P of Overland Park, KS July 1, 2009

Despite having a very friendly overdraft coverage on my primary account, when I set up a secondary small account at the bank the told me my only option for overdraft protection was to have a credit card attached to the account. When I had to use this "protection", I was charged huge fees. I paid it off, in full, the very next week using their web site option to pay in full. The next month, I receive another bill for 1.50. The 1.50 was for finance charges even though I paid the balance with accumulated charges in full. I called about this, and the waived the charges "this time" but lectured me that the charges were due to the interest on the overdraft accumulated after the bill amount was issued (or something like that). They said that the only way I can ever pay off the bill in full, without any additional charges showing up the next month, was to physically call them. What an absolute pain.

Linda of Burleson, TX June 10, 2009

In 1996, Bank of America mailed my checks to an address where I had not lived for 3 years. The person living at my address gave those checks to two men who then wrote checks all over Arlington, Texas. Charges were filed against these two men but because of misconduct on the part of the police officers, the charges were eventually dismissed so nothing happened to them. Apparently, unbeknownst to me, these men also obtained a Comp-U-Card Mastercard in my name. I am assuming this was through CompUSA which has now gone out of business.

The first I heard of this debt was from a collection agency. I wrote and demanded copies of all receipts with my name on it. They sold the account to another collection agency and ignored my demand. I filed a complaint with the Postmaster General against the new collection agency and the one after that and the one after that etc etc. Every time I would file a complaint, they would just sell the debt to another collection agency. This harassment has been going on for thirteen years.

Recently, RJM has sent me a collection letter. They have owned this debt before and I filed a complaint against them with the Postmaster General. THey probably don't even realize they've owned the debt before since it has been so many years. How do I get this to stop? These collection agencies are irresponsible. If I dispute the debt and ask for receipts with my "signature" on it, they refuse to comply, ignore me and sell the debt.

I do not believe that this debt is being reported because the statute of limitations has obviously run; however, the time and aggravation of dealing with it is enormous. The fact that the men who stole my checks did not pay for their crimes and the fact that Bank of America totally washed their hands of the situation, leaving me to deal with it is great.

Susan of Raleigh, NC June 11, 2009

I have been charged 4 nsf charges 3 of which should have never been applied. I was charged 35 on 6/8/09 and my balance was +38.09 making my balance +3.08. Because of this charge it caused a debit of 25.69 to bring my account to a negative balance, which in turn caused another NSF charge. At this point there should have never been a NSF charge at all because my account never went into a negative balance the balance would be +12.40, but instead it was -57.60. Now when a charge of 21.35 came out of my account my balance should have been -13.29 but BOA now has me at -78.95 and BOA charged me another 2 charges of 35 (70) bringing my total to -148.95! My account balance should actually be at -48.29. This has become a common practice with BOA, I guess this has been their way to take advantage of the economic crisis and continue to profit on accounts that run low on funds! How can it be legal to charge a debit on an account with NSF charges when the balance has not been overdrawn? Well their answer to that is to set up a savings account (with them of course) or a credit card so that they can transfer funds- from one account to another-there will be a service charge for this I'm sure! So instead they charge your account for a negative balance that "might" or "could" happen.

This is plain and simple racketeering-stealing! Not only does it reflect badly on the account holder for a long time it isn't right. I spent at least an hour on a chat with the BOA representative about these charges and their explanation was that charges were authorized or pending but hadn't necessarily been sent through the bank, or an actual charge. In most of these cases they never do come through the bank but they charge the account for a NSF even if there was no actual money transaction. I was told last night by 2 BOA reps that one of these charges was credited back to my account but obviously that wasn't done. So BOA gets taxpayer's money to "Bail them out" while they continue to charge astronomical % on small overdrawn balances-but now they charge for not having an overdrawn balance too! I could not go to work today or tomorrow because I have no gas and no money. If I make a deposit the balance is so high that it will go in the hole.I don't get paid until Monday so I am home bound with 3 and 2 children. Americans are struggling to feed their families, find employment, healthcare- just survive and BOA profits from their misfortune! I have a hard time believing that this country and those in power can allow this abuse to continue. I am sending this to my representatives, the Commisoner of Banks ,consumer watchdog advocates and all Federal agencies that have a consumer advocate. I have now spent hours fighting for money that I spent hours earning.

Rodney of Independence, MO June 28, 2009

I went to deposit my paycheck on friday @ noon. They said I could only have access to 100 until tomorrow. This irritated me but I let it go. The next the day the money wasn't there so I called them. They said that due to my lack of deposits with them, they were going to hold my paycheck for 5 days. I am a new customer with them. I told them I needed the money because I had 3 young children and need to buy food. They didn't care. I could see their point if it was a personal check, but it was my paycheck,from a local business. What I support my family on. I told them that I would be canceling my acct as soon as I can get my direct deposit that I had just set up change over to a different bank. I also told them I would tell everyone I know and tell the public in every way possible not to use their bank and if they were, to cancel. The associate I spoke to refused to let me speak to a supervisor. They said in their huge booklet they sent me with it states in their they could hold anyone's money at their discretion.

billie of amarillo, TX June 19, 2009

i wanted to direct deposit my paycheck into an account my boyfriends young son has. my boyfriend talked to a clerk at the bank of america on washington st, amarillo texas. the clerk told my boyfriend depositing into his sons account is no problem. the clerk filled out a savings deposit slip, so i could give it to my employer for direct deposit. the clerk told my boyfriend the deposit slip was for his sons account.

on my payday, bank of america could not find my deposit. they finally found it at 3pm in my boyfriends account. his account was way overdrawn, and my paycheck barely cleaned up his account. i never consented to my pay going into his indebted account. i told bank america this and i was told to go to my employer for a reversal. i did. bank america then denied the reversal.

i had numerous conversations with bank of america staff, and i was told different things by different staff. when i talked to kelly l at the washington branch, she said calling her would do no good, she asked why i didnt just open my own account and to stop calling her boss about thiis incident. i told her that in my opinion bank of america stole my paycheck. she said that is what i get for not verifying the numbers on the deposit slip. she also initially tried to say that i told her 3 times i had verified the numbers. i never said that. i told her i needed to get with my employer to get the numbers.

i did not get my 799.99 pay check. i can not afford my high blood pressure medicine or my insulin. currently, my sugar is high (240 range). I also have no groceries. i sold most of my dvds to afford gas to get back and forth to work and to buy the blood pressure medicines

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