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Amy of San Diego CA (04/21/09)
I have been banking with Bank of America for many years now and since I started online banking with them a few years ago I have always had issues logging into the website. When I call the tech support they say that it is my internet connection, however, Im not a complete idiot when it comes to computers, I can get pretty technical and it was NOT my internet connection. I called several times within the first year but got sick of getting the same answer. Finally I just came to it that no matter which computer I am at I always have a hard time logging in. I can get through the site key but it wont let me past that. Im so sick of dealing with it, Im thinking of changing banks...
There has been many hours wasted trying to troubleshoot the problem. Also, my account went overdraft one time because I was not able to log on for 3 days and could not transfer any funds from my savings account. This has caused me a lot of aggravation. Jerry of Columbia, MD April 9, 2009
Jerry of Columbia MD (04/09/09)
They have gotten out of hand and unethical with their online banking and overdrafting processes. I am having an economical hardship recovering from a 5 month job loss. Bank of america has abused me as a consumer misleading me in my balance. when I log on to online banking it will show I have a balance. I make a transaction knowing I will have 1 or 2 overdrafts. it turns out the manipulate it to 10x35 in overdraft fees.
I am recouping from 5 months of no income due to being laid off. I am on the verge of having my car repossesed and my mortgage forclosed. I cannot afford to throw away 360 to Bank of america due to unethical and misleading practices. Jhana of Los Angeles, CA February 27, 2009
Jhana of Los Angeles CA (02/27/09)
I only did business with BofA for a few months. I closed my accounts today primarily due to my view that their online backing information is misleading and inaccurate. Being charged 280 in fees in the past 9 days was the final straw. I went into a branch and said I want to close my accounts the woman I dealt with didnt even ask me why. Nor did she advise me that since there are 2 pending transactions not yet posted/cleared, that while she gave me funds to bring my account to a zero balance, I actually have to call them again after those transactions have posted to actually close the account. I then called customer service to complain because I was still upset about my experience with their online banking.
I had made a mistake and withdrew funds on a Friday thinking an electronic deposit would be posted before any other transactions hit my account. The deposit posted a day later than I expected due to President Day and consequently 4 very small items 4.21 - 32.61 caused my account to be overdrawn. There was also, according to the BofA agent I spoke with, a CC authorization done on the same day but it did not post to my account until 2 days later. When I first looked at my online history it appeared I had been charged one of the OD fees for a 2 ATM fee. When I called to inquire about the fees I was told the 5th OD fee was assessed for the CC item - for which there was NO evidence online until it posted. The posting date was a day AFTER the OD fee was assessed. They told me the transaction actually was authorized 2 days prior, but there was no evidence of this online or by phone.
I am still very angry with them and will be telling everyone I know to avoid them at all costs or suffer the consequences. Unfortunately for me, I did not keep printed hard copies of the conflicting details I saw online on different dates so I cannot in fact prove my assertion about the other inaccuracies I noted. However, I am quite clear for myself that there is funny business going on. There have been multiple occurrences where specific items would show in the online backing as pending, then a day later as posted, and then they would disappear the following day, only to reappear again 1-3 days later. I was charged an overdraft fee when I had funds in my account, I called to inquire about the fee and the agent removed the fee. No explanation was given to me.
I have called 3 times about fees I was confused about and in each case, I was credited the fee charged. The fact I had to call to get credit disturbed me. Also, if an overdraft fee or item return fee is assessed there are no details online about which posted transaction caused the fee. I have never been so confused before in my life about WHAT is happening with my checking account. In addition to my concerns about their online banking practices, I was unhappy with them wanting to put any and every check I wanted to deposit (including my payroll checks, which were generated by ADP) on a 7 day hold.
Nor was I satisfied with my interactions with customer service about my online banking complaints. According to BofA, the 280 in fees were my own fault and I should have kept a hand written ledger to track my available balance. Their associates go into lengthy explanations about all the details of their transaction processing policies and state they were implemented to better serve the customer, but my view of the matter is that they just want to appear that way, while dramatically increasing the fees they collect. Right after opening the account a friend warned me to be careful, they charge a lot of fees. I found out she was right the hard way.
Ricardo of San Pablo, CA February 27, 2009
Ricardo of San Pablo CA (02/27/09)
I called Bank of America Card Services and due to a charge that they made a mistake on, I had online Auto-Billpay and canceled it on Feb. 7th or 8th due to financial situation. my bill is not due till 03/05/09. i set up an online bill pay for it to post that date. autopay did not cancel and i am being charged 35 for not making payment on 02/20/09. they said i never canceled my auto-pay. now i have this charge to deal with
i spoke to D. Williams over the phone just to be told what i can and can't do online, then i asked to speak to a supervisor just to be told i could not dispute anything. that so called supervisor's name was T. Terdik. i believe both are from Arizona Call center, i had online problem before with them and i always end up losing out. there business practices are unfair, in october i received and apology letter from that company due to two employee's saying i was not man enough to pay my bill on time. i don't feel that they truly feel apologetic towards customers.
I always end up paying for their mistakes. with online banking there fees are ridiculous and they treat customers [badly] but the banks never lose. nothing ever benefits the consumer. they only try to make things better when they know they truly messed up like when they insulted me and i would call every day to get an apology. it took a while to get that to me. now i call because i have a problem and they wont try to help. Paula of Eugene, OR February 7, 2009
Paula of Eugene OR (02/07/09)
Online Banking - All online bill payments were sent out. One payment I canceled before it was sent. B of A sent it anyway and pushed all the other payments previously sent to the top of the statement list and charged 280.00 in NSF charges. When I asked why the payment did not cancel as requested - Response from the outsourced representative in India said Your Error. When I asked why all the other online payments were then pushed up the list of transactions and charged 35.00 each in NSF funds - Response from the outsourced representative in India said Your Error. When I stated that these were not my errors, I was basically told in Indi/English that it was my word against theirs.
I was unable to make my car payment that was due because it was all eaten up by fraudulent fees charged by B of A. I have been fortunate enough historically to make all my payments on time, but the B of A stole that from me too. My husband and I had to take time off from both our jobs to set up a new account with a new bank. We have lost the ability to do banking until 7-10 business days. Estimated damages included the fraudulent NSF charges - 500. How can such a large financial institution continue to get away with this stuff? I hate to sound stupid - but really - how do they get away with this? Chace of Orlando, FL January 16, 2009
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