Complain about a product or service

Bank of America

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Shelley of Amarillo, TX July 24, 2009

If you open a savings account and attach your checking account to it, then if you go into overdraft, they automatically transfer the funds necessary to cover the overdraft if they are available in the savings. Then, they charge 10 for the "service". Anyone else unhappy about being charged for transferring your own money to your own money.

I also have the same complaints as others who have responded so I won't go there again.

I am closing all my accounts, my dad's accounts, my 2 sons and my cousin, my oldest son's girlfriend and anyone else I can find willing to do so. I checked around my town and found a home-owned bank that is not associated with the large conglomerates like Bank of America, Chase, Wells Fargo, Citi, etc. That is where we are all transferring our accounts to. I hope we can all arrange to walk in together to close our accounts. If everyone would pass this along and go through with it even though it may be difficult due to Automatic Deposits or Deducts, I believe they will get the message.

I intend to contact everyone I know and have them spread the word. We are just the little guys that they could care less about, but together we can take a bite out of their you-know-whats.

One other insight: Anyone who may consider themselves celibate can no longer claim that. If they look at what banks and credit card companies are doing to them, you get my drift.

Nun of Centreville, VA July 24, 2009

I received an over draft slip for less than 2.00 even though the bank taller when I open this account convinced me that if I open a keep the change saving account I should be protected from over drafts. At the point of the over draft I had the required funs on my keep the change saving account. When I went to the bank and talked to the account specialist she told me that they can not refund me for the fees because it is not the first time for an over draft to occur on my account during the last 12 months. I was never informed on any other over drafts. The account specialist told me that she can not go back and tell me what dates or how many times. I wanted to close the account immediately but she suggested I do that the next day after my employer deposits my pay check. I went on line and checked my account for previous fees I did not find any but one insufficient funds for 0.87 which I was not charged for because I had a pay check deposited few hours later.

John of Auburn, GA June 21, 2009

When you have an accidental overdraft on your account, they pay the highest debit on the account first so that it creates a cascading effect on the account. This creates huge multiple overdrafts resulting in higher profit to the bank in overdraft fees because it leaves more transactions left uncovered by the remaining balance. In my case it was over 280.00 worth (8) 35.00 overdraft fees were assessed to my account.

I had 69.05 in total debits including 2 unexpected, one for 20.00 on my daughter's automatic reloading Starbucks card, and the other 15.00 from my gym membership auto debit 2 days earlier than scheduled. It was an honest mistake. The largest debit of 34.00 paid first, followed by the 20.00 debit overdrawing my account. With 48.93 available in my account, the chain reaction began. If they had started with the smallest debit first, I would have had enough money to cover all my debits including the unexpected ones, except for the 34.00 debit resulting in 1 overdraft fee of 35.00 due the bank. That would be fair.

I work very hard for my money and live paycheck to paycheck since moving to Georgia. I currently live with my sister, a disabled Veteran. When I explained that I require a minimum of 210.00 returned to my account so I may meet my obligations for the end of the month, Customer Service refused. I even tried to negotiate and offered to let them have 70.00 to go to 2 of the overdraft fees which I thought was more than fair. Still they refuse.

Polly of Apollo Beach, FL July 22, 2009

Unfortunately, I had been a BOA customer for about 10 years. I just begrudgingly paid 80 in service fees when I closed my checking and savings accounts down. I closed the accounts because their "fees" were because of their error, not mine, and no one was willing to correct it. Enough is enough. Now, they will never get another "fee" from me.

Celia of Portland, OR July 22, 2009

Every single time I go deposit a payroll check weather is inside the branch or at an ATM my check has a hold, sometimes the hold is for 3 days other times the hold is for 5 days leaving me with no funds at all. The bank now got smart and allows people to withdraw funds it does say the account will go temporarily negative however it says nothing about any possible fees being assessed. So basically I have no money pay a good amount of 35 fees, and the call center people are useless because they always say the same thing “it’s your fault” they have no care in the world for what happens to others. They place the banks interest ahead of all else, they interrupt all the time, cut you off and don’t apologize as if they are above or superior than the rest.

I have asked why after 8 years of banking with them they do that. The women’s reply was “we have to make sure the funds are available” I asked have you ever seen a payroll check come back returned on my account she had nothing else to say. I pleaded with the woman for about 10 minutes and she continued to go back to the same thing “you should know the funds were not available when you decided to take the money out” Imagine what poor customer service they have.

Now my account has 3 35 fees totaling 105, and they refuse to acknowledge that that this is apparently a hardship for a family. I was only able to get the bare necessities for my family and have no gas, the bank this year has done this to me time and time again, I have now picked up another job in order to supplement the banks greed. I have paid 140 in fees just in the past month and a half. That amount pays for my electric bill and gas for the week.

Jacob of Ormond Beach, FL July 22, 2009

I called and advised that my account had been charged when I had never even used the card. My wallet was stolen and the bank issued me new cards. The account had some charges through Publix and Lowes and some others that were never authorized. Then came other charges from Hardford Insurance. Again never authorized. The bank never followed up on my claim and instead charged that account hundreds of dollars in overdraft. So when I called back again they said they can only file claims for past 60 days.

Again they kept charging my account hundreds of dollars in overdraft. Now they have gone to my savings and drained it along with my main account which is now overdrawn because of the way they handled my claim. It seems charging overdrafts to my account instead of following up on claims is an easy way out for these people. This is my V.A. disability pay that they decided it was easier to charge my accounts than to follow up on a claim. I filed another one and they had my name wrong along with the address was wrong but luckly it did arrive thanks to the post man.

When I called back a lady by the Name of Gracie had already canceled my claim and they told me that someone would call me back within 72 hours. Here I sit now in the middle of the month while my accounts continue to get further drained by BOA.

Dorothy of Framingham, MA July 22, 2009

I have been a BOA customer for the last two years. Since March of 2009 I have been charged over 1000 in bank fees. Including fees charged to me while I was in the hospital after ungoing gastric bypass surgery. I paid in March and April of 2009 over 500 in fees and my account was fine for about a month. On 7/14/09 BOA took 240.24 in funds from my checking account without informing me and then charged me 105 in fees for money that I never touched. Then on 7/16/09 BOA again went into my checking account and withdrew 108.47 without my knowledge or notice. So as a result of 453+ dollars they charged me another 340 in bank fees. This is NOT right!

S. of Arlington, VA June 22, 2009

I called BO, automatic system on 06/15/09, I was informed I had 280 avail balance. I used my ATM card for 7.00 for fed-ex and 8.00 for CVS. I was shocked to find out the next day I was charged for 35.00 overdraft fee five times. Because their online payment did not clear my payment for 260 on 06/01/09, which I had assumed it had, because their system misguided me. When I asked why I was given wrong information when I called, I was told their system doesn't know these things accurately all the time.

I asked why my charges were approved if I did not have enough funds. Kevin the supervisor sarcasticly answered. "We did you a favor, you should appreciate us! why are you complaining? Don't you know how to be greateful? " Isn't that a rude answer? How is that a favor? You charged me for 185 for 7.00 and 8.00 charge? You failed to give me the correct information! They even mentioned they used to withdraw the funds immediately, but changed that 3 months ago, now wait until the companies cash the checks. They never sent me an info about it!

I said ok then, you should have declined the 260 because they decided to cash it more than 2 weeks later. And that I did not even dispute the over draft fee, but 5 of them were not accurate. If you cleared the 260 and charged me overdraft fees for the other charges, that is fine. Or if I did not have 260 because of the 7 and 8 before 260 was cleared, then you charge me overdraft fee for 260.00. But how can you charge me for all of them and more after you keep billing me overdraft charges? They even charged me the fifth overdraft fee because of the fourth overdraft fee they billed me! No reason given, instead, I was yelled at "Look, take us to court if you want, I will even send your term of aggrement to your lawyer! That will be easier for you!"

I said I would never use BO again and will open another bank account. Kevin threatened me laughing "We will come after you until we get our over draft payments and make sure your credit is destroyed." My request for the corporation, ceo information was declined. Higher manager was declined, I sent e-mail complaint, that was not responded. Did the congress use our tax dollars to bail out BO so they can use it to train their supervisors to be abusive to their long-time customers? I have been their customer for 10 years.

april of whittier, CA July 22, 2009

I had an overdraft item and was charged 35 dollars then the bank charged me an additional 35 dollars for being overdrawn. I was charged a total of 70.00 I was very upset since I was never told of this

Nicole of Martinsville, VA June 22, 2009

I had so many overdraft fees on my account within one weeks time it was ridiculous. I contacted Charlotte North Carolina the headquarters and made a complaint, with nothing happening , no one has even contacted me back about my complaint, I went to the location here in Martinsville, Va and talked with the bank manager I. Perez, and nothing happened except for him refunding one overdraft fee.

They took all of my child support check for my children, and I just kept depositing money and it was being taken for overdraft fees, and even took some of my payroll check, I had the money in the bank, and then all of a sudden, my account was overdrawn, I check my account daily on the computer, and over the phone, I still haven't heard from anyone, and this was last month. I have the statement to prove all of the overdraft fees. It took my all of my children's child support check, that was 435.00, plus some of my payroll check, totaling way over 500.00

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