Complain about a product or service

Bank of America

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Susan of Providence, RI June 27, 2009

Is there a difference between using a bank card as a debit or credit? I charged 2 purchases on credit, not as debits, and these charges were held, which reduced my available balance. I was hit with 3 overdraft fees for small charges, like a cup of coffee, because they were holding my money for the purchases I made on credit that evening. Why do I use credit if they treat it like a debit by holding my money and then charging me overdrafts on top of it? The bank supervisor kept telling me it was not a bank error therefore there is no recourse. Can anyone tell me why it's even called a credit card if they take your money at the point of purchase? Is it acceptable for the bank to charge me money for overdrafts when the purported charges haven't even hit my bank account?

I also returned something to one of the stores that evening. They don't credit me that money as fast as they take my money. I still haven't gotten that credit two days later, which amounts to much more money than the two charges I made that night. It makes no sense that I am penalized for a charge that hasn't even hit my bank, it's only on hold. It is outrageous how the banks are treating their customers.

Shavon of Vancouver, WA June 27, 2009

Bank of America has closed two of my accounts due to error twice. I have called numerous times and have been placed on hold with no resolution. The first time they closed my account if was due to a breach which I understand. However, they then mailed me out the same cancelled card three times. And then today I find out they have closed the new account they assigned me and cannot seem to provide me with a reason why. My direct depost is going into this account and my company doesn't provide live checks anymore. This will cause me to miss my paycheck and have to wait an additional 3 business days as we get paid on Friday and I'll have to wait until the following Monday to speak with HR.

Joy of Atlanta, GA June 26, 2009

I checked my bank account before making charges on my check card, and the balances were not up to date. They processed a large purchase that I made and subsequently charged me 210 in overdraft fees for 3 and 6 purchases that I made, making my condo fee bounce and thereby putting me in jeopardy of losing my home. I appealed to them several times and they refused to refund any of the charges.

Katherine of Orlando , FL June 25, 2009

BOFA they take the charges to there convinience. they charging me OVERDRAFT for a week ago charges, i look into my account online every day and every day is different. they just charging me 10 overdraft fee, the big charges they post it first and then the little one to charge you for the overdraft, they DO NOT care about nobody alway post all charges on thursday when my checks comes in, So i just pay them 500 in OVERDRAFT my whole check. what we see online is not what they have. they just give me there statement and is not even SIMILAR. online they show that you have money but is NOT LIKE THAT.

Jody of Los Angeles, CA June 24, 2009

I was enrolled in "Keep the Change"...and maybe my complaint would be considered "small change" by some, but here's my story. In order to "keep the change", I had to open a savings account. I did that. Well, all the change from the "keep the change" program from my checking account went into the savings account. The savings account then took THAT CHANGE as a some sort of fee. BofA is unethical. There have been many other probelms I have had with them. One must keep a close eye on one's BofA account. They are immoral thieves. AND, when you speak to them, they never admit wrongdoing..."We did what was proper". is their typical response.

jennifer of bothell, WA June 24, 2009

BofA has charged me 9 non sufficent funds fees for 7 non sufficient funds items..with the 2 exta fees, it threw my account balance again over my limit after my deposit. The account on line shows positive amounts, but BofA is saying its still negative, even if it shows positive. With the 2 extra fees, this throws my account back over the limit and has resulted in an additional 11 fees for a total of 385.

Brandon of statesville, NC June 24, 2009

they charged me over 400 dollars in overdraft fees. even after the problem was addressed they continued to charge me.

Judith of york, PA June 24, 2009

I took out line of equity in august 2005. never used the monies. November 13 2005 I sold property, ltr to title co no monies owed account closed BOA. In 2006, living in Maryland with daughter I transferred my accountsto Maryland and investments during that visit I inquired about a loan 50,000.00 using my boat of 60,000 as collidle or investments, two dayslaterwas told monies in bank, amount will be taken directly from checking account.

2007 I purchased a house 2008 I tried to refinance when I discovered a LIEN on old sold property? I called the bank spoke with 20 individuals faxed all documents inquiring why this happen. I received a call if I would pay 7,000 on exiting loan they would rewrite and take off lien, received no further instructions. I finally contacted Mr. lewis with letter no reply so I hired a attorney.

BOA continues to ask for all documents faxed to them but never come back with a resolution or answere to the ongoing problem. I have never said i do not owe the monies they have permission to take payment every month. Now the lawyer is getting the same fax. How can I resolve this problem?

I took out the last ofmonies husband had after death thinking I was paying them as suggested. The calls and no resolution has been difficult onme asi already suffer depression and chronic condition. my husband died after serving 21 yrs USMC 17 yrs civil service to Uncle Sam, we took our responsibilities seriously, but to be continued shrugged off as though I were somebag of garbage is not right.

Serena of Santa Monica, CA June 24, 2009

I've been a BOA customer for the past 9 years, yet I had enough with their poor customer service. Less than a week ago, I initially attempted to deposit a tax returns check to a joint saving account under my husband's and my names. Since B of A has 2 seperate banking systems (Northan and Southern Califonia) and I am a No Cal customer while our joint saving is in their So Cal system, I accidentally deposited the check to my own No Cal saving. Due to their systems, our joint saving account (So Cal account) never appears on ATM when I used my No Cal ATM card.

In any event, I noticed that error right away, so I requested a teller to transfer the money from my own saving to our joint saving. I asked her to do so at least 3 times. However, she withdrew the same amount from my CHECKING account and put it in to our saving. 4 days later, I received a letter stating that the tax returns check is bounced because I deposited the check to my own saving while the check has more than one payees (My husband and I). Then, I checked all my BOA accounts online and noticed the teller's mistake. I went to one of the local branches and tried to speak with the manager. Well, a customer service whatever guy blocked me from speaking with anyone with any managial capacity. Instead, he told me that I made that mistake and refused to reimburse any interest whatsoever.

Well, since I just graduated from law school, I presented my case and had them agree to reimburse the interest. However, the reimbursement has not taken place yet.

Dana of Myerstown, PA June 23, 2009

I've been an account holder for 12 years - I have a credit card and a credit line worth approx 30,000 each. The credit line has been at a 0 balance since 1997 and the credit card balance has run less than 10,000 total for many years. My husband and I both work full time and have a couple of investment properties for which we have an annual rental income to supplement our job earnings. We picked up another investment propery at auction recently and were going to transfer 15,000 from the credit line to help pay for it (this is not the total purcase price). When I called to request the fund transfer, I had to speak with a credit counselor who not only denied my transfer but then closed the credit line altogether and lowered my credit card limit to 15,000, despite having always paid my account on time. He cited that my total debt was too high and I wasn't a good risk (Just this year I've had to start paying almost 20,000 in student loans which is the only thing I can think of). We both have stable employment and residence history (8 years for the home and 7 and 2 years for employment, respectively).

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