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Chace of Orlando FL (01/16/09)
I transferred my funds to another account because i was dissatisfied with their customer service; and closed the account in the process over the phone. So after i settled up, some mysterious back intrest charges made my account negative by 4.17, 45 days after I closed it. I did not check that account because i was under the impression i was all paid up-and I only get online statements. So late fees and other charges are building and in the mean time, I am now 60+ days deliquent. I finally figure out what is going on, and settle immediately-too late. They filed a report with the credit bureau and all the sudden now my American Express card i use only for business purposes is cancelled.
I have had to make large purchases with my personal check card lately because the only credit card i have is my am ex that i use only for business. I have spent many personal hours figuring out why this all transpired and only wish courtesy calls might happen just once..
This is embarrasing as I am in a management role at my firm. Al of Gettysburg, PA December 31, 2008
Al of Gettysburg PA (12/31/08)
I went to my computer on the night before I was hit with 5 overdraft fees on the next day. On the day I was hit with these fees, I checked and there was no sign of negative actions on my account. At night I was told that I had overdrafted when I went to check on my balance. I called BOA and they said you couldnt see it on there online screen.
I checked the next day and also my account shows no negative action. It was all internal but didnt show on the online banking screen. What a Rip off! I am leaving Bank of America after 10 years with them. I would love to join a class action case against BOA. My only advice is to call the FTC and tell them what happened to you.
Due to this action taken on behalf of Bank of America we lost 175.00 and had to wait until payday to bring back a balance to our account. Dr of Greenbelt, MD December 30, 2008
Dr of Greenbelt MD (12/30/08)
I do online banking with virtually all my accounts including Bank of America. I have found that very frequently the Bank of America has a deceptive or a fraudulent way of concealing the account information so that the online customer WILL NOT KNOW in a real-time fashion what his or her account status might be. For instance, one may make a deposit using the ATM machines or make money transfers on-line. The Bank of America system will hold your fund in a PENDING STATUS for an extended period of time. What you see on-line and what the bank system says that the customers account status may be are TWO DIFFERENT things.
Very often, especially on weekends, holidays and often when I am traveling, the Bank of America system deceptively and fraudulently conceals the account status, making it nearly impossible for the customer to know of low balance problems one may have. This occurs very frequently when one has many unseen fees and unannounced fees causing the account status to go in a low bank balance or even NEGATIVE without the knowledge of the on-line banker.
I have caught the Bank of America system several times in the past 3 years of unfairly and deceptively charging my checking account with multiple fees of 35 do to unseen fees and also do to debits that were falsely posted with what I believe were techniques the bank uses to SHIFT to dates on a posted check, a debit card transaction of an ATM usage. I have records of my accounts from the last 3 years and can furnish data on these activities imposed on me by Bank of America.
I want to warn the public that these activities are constantly going on and are exercised in a sly way by this bank and are very difficult to detect, even by a computer savvy person, especially when one does not have a real-time access to the banking activities that the Bank of America system is contriving and is constantly doing to the money accounts of its customers. I am a PhD scientist and I have knowledge of computer algorithms. This kind of activity, I believe, can be stopped and dealt with if many are aware of it and can cooperatively get involved and alert legal authorities and those who can deal with this as well as all the major financial stuff that we as a people are dealing with nationally.
Over a period of time, this has caused me major problems in dealing with my financial circumstances as my funds are limited. It has had an accumulative affect on me and my circumstances. I am not only having to care for myself, I have other love ones to care for. I am planing to take legal actions. Lisa of Brigantine, NJ December 16, 2008
Lisa of Brigantine NJ (12/16/08)
Online banking doesn't work and neither does BOA customer servie online chat. The customer servie rep. said that while a transaction is pending there is time to deposit cash, to cover the transaction. I was also told in writing (I printed an online chat) that a transaction would be pending online for up to 3 business days and the transaction would not post until BOA recieves a sales reciept from the merchant. BOA is posting transactions pending before a credit in the same day. This practice is causing overdraft fees. I recently had 13, the first three were taken unfairly without my authorization and caused the other 10 overdraft fees.
Mark refused to give me the name of someone higher up in BOA to help me. This is unethical! I refuse to use this account until this is resolved. I am in the negative because of overdraft fees. I made an offer to pay some of the fees, at least the first three, but BOA/ Mark refused to to work with me. Now I am being threatened that I am being reported to Chexsystem Inc. and I will not be able to open up another bank account for up to 5 years. Is there anyone out there fighting BOA. I want to know, I want justice. Who should I contact? My next move was to sent a registered letter to corporate offices in NC.
I have been stressed everyday and not sleeping at night since Nov. 3 2008. My local branch ignored me for weeks promising to get back to me. Mark played head games with me on the phone and made me feel trapped into thinking that his word was the end of the situation. My college son's name is on the account, and he is at risk of damaging his credit. Lee of Richmond, VA November 28, 2008
Lee of Richmond VA (11/28/08)
I start an online account. I put 100 dollars in for this checking account. They send me a letter saying that the account is 'at risk'. I then get a check for 40. The say it is 'at risk' because they said they tried to call me once, which I have no voicemail of, nor did I speak with anyone. Then they say a 60 'research fee' was need to make this phantom call. I call them up and of course there is nothing that can be done. Pure sleaze. Doug of Santa Rosa, CA November 22, 2008
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