Complain about a product or service

Bank of America

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Deshawn Findley of Clifton Park, NY October 1, 2008

Deshawn of Clifton Park NY (10/01/08)
Well my situation is similar to the how many other folks complaining about Overdraft Fees. You get charged an fee then any payments you have made since are charged an fee due to the prior fee. It's robbery. We have enough problems in the economy and now another reputable company is not helping the situation.

Raymond Kania of Taylor, MI October 1, 2008

Raymond of Taylor MI (10/01/08)
The bank overdrafted my account for fees when there was money in the account to cover the use of my debit card. I printed the documents to show the bank, there system showed something totally different than what I printed from my account on the web, the bank told me it a guideline and not use it. I started having problem when BOA took over Lasalle bank. there was money in my account and I have proof of what I printed out.

They charged me 198.00 in fees, which they did return to me I did not accept the answer that was given to me. the person that waited on me stated they didn't like how BOA was doing business. I just want them to fined for what they are doing to the customers.

Jill of Kinston Nc 28504, NC September 30, 2008

Jill of Kinston Nc 28504 NC (09/30/08)
Honestly, where do I begin? The question is what happened? Perhaps the question should be what has not happened? My husband and I have a joint account,he makes no purchases on the debit card nor does he write any checks, he perfers to get withdrawls from the ATM and use cash. He has direct deposit set up through his employer and faithfully every Wednesday night at around 2am (according to BOA) his money enters the account but is not accessible until 9am that morning. Now I'm not writing to say BOA forces me to write a check on Monday to pay the electric bill while hoping against all odds that the direct deposit makes it through the bank before the check does, all I'm upset and severely uneased about is that they charge overdraft fees ridiculosly.

There have been times where the automated system would say I had available funds of 150.00 (for example), I go and write a check for 151.00 and the next thing I know, that 1.00 overage cost me 35.00. I've had a purchase of a 1.95 before and that 1.95 cost me 35.00. Is this not illegal, it has to be, somewhere somehow. I believe we pay at least two employee's salary because they get us with at the very least 300.00 to 400.00 a month.

I,ve been doing some research on what I can do about this. We barely have enough to eat with on any given week, two kids in highschool and parents we have to help with their RX needs. It's not fair to work 10 1/2 hours day, 5 to 6 days a week only to realize you're just working to barely survive and pay overdraft fees. They say they start from the largest item and work their way to the smallest amount...That's theft...no matter how you twist your words, theft is theft! So if I have 15.00 in the bank on Monday and I make a 5.00 purchase on Monday with my debit card, and write an 11.00 check on Tuesday and it clears on Thursday, BOA says they cleared the check that was written on Tuesday, on Thursday and the debit card purchase then becomes an overdraft because it's processed on Friday...What?????

I've called and complained and explained why I felt the charges were unfair, they refuse to credit the fees back with a quick follow up of Thank you for being a loyal and valued customer of BOA. Loyal, I am, valued...not hardly. I've done some research, and I've discovered that by taking BOA to small claims court, I could possibly get all overdraft fees wrongfully taken, credited back to my account, which is by the way, well over 1000.00 this year alone. I'm tired and am at my wits end and my last dime... BOA can no longer take my last, They are treating me and my family like we have no value and contribute nothing to their buisness. I've talked to several others and we all decided that opening up a new account elsewhere would most likely be within our and our families best interest. We can no longer afford to give our hard earned checks to BOA, it's just not feesible.

Several occasions have occured, every week for the past 2 to 3 months or more we are hit with no less that 200.00 in overdraft fees, this is on a weekly basis it seems, we then can't pay our vehicle insurance, car notes, loans or utilities, we always behind on one bill or another because we're robbing Peter to pay Paul...all because BOA has been robbing us.

Nancy Ibarra of Shawnee, KS September 30, 2008

Nancy of Shawnee KS (09/30/08)
Meanwhile while waiting for the holds to expire and I could use my 4,400 I had written checks thinking the money would be available to me because it always had been before. I have received 16 overdrafts because the checks come in, fee, returned, fee, and tried again, fee and returned fee. That is 560 I don't have. I have stopped automatic deposits, taken my money elsewhere to a bank that knew of MOA practices and opened my acct!

Atleast 560 of fees for not having the money available while they were on hold 8 days.

Gasmelba Rivera of Flushing, NY September 29, 2008

Gasmelba of Flushing NY (09/29/08)
According to my online statment 5 bills had cleared on 9/18 and i had paid these on 9/16. 2 days later i was charged an overdraft fee totalling 175.00 because a check came in after that and there was not sufficient funds. You would think they would charge me an overdraft for that one check rather than going back in and charging me for all the others since they had cleared already and i had received confirmation numbers for them. It's obvious they chose to charge me 175.00 for 5 payments that had already cleared after the fact in order to make their money rather than one for 35.00.

I thought it was only me going through this but i have spoken to several consumers that have gone through this and i recommended this bank no less. On a regular basis this bank has cleared payments i have made over the phone and indicated this online, then turned around and placed it in the pending file which is unfair to me, its deceitful on their part.

i had to pay 175 in overdraft fees.

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