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Emily Mccartney of Baltimore, MD September 10, 2008
Emily of Baltimore MD (09/10/08)
I was enrolled in credit protection plus by BOA. I did not sign up for this, it was done without my permission. I realized this after 3 months. I called to be taken off in mid-July as I was furious. The phone attendant first told me, I signed up and therefore I could not cancel!!After 30-45 minutes of arguing, I was finally told the money would be refunded and I would be removed from the plan. I looked at my statements recently and found that nothing had been refunded. I called again to complain. They stated they could only refund the last statement (which they never did 2 months later).
I asked for a form with my signature on it showing I had signed up for this service. They told me they were not required to show me this. I then informed them, I would happily pay the cost of the service if they could show me MY SIGNATURE authorizing the plan. The phone attendent responded ...I requested a refund and they would only grant 1 month refund for the cost of the plan. He then informed me, I had my choice of seeing my authorization or the refund. I thought this was beyond ridiculous. I told him I wanted to see the authorization and I wanted the refund.
The refund was suppose to be applied for 1 month of the plan cost, none of which has been refunded. Also, the letter that came to me just said I authorized this 4/1. Which I absolutely did not. They are unable to show me my signature or any document verifying that I signed up for the plan.
220.00 Vanessa Anderson of Lauderhill, FL September 9, 2008
Vanessa of Lauderhill FL (09/09/08)
i had a checking account with bank of america and got in to payday loan debt and they closed the account but they reported me to chexsystems as suspected fraud activity and i did not commit any fraud and this is a nightmare that wont go away and they are very rude and unprofessional and i have tried several different avenues and they dont work
i need some help. this has been 2 1/2 years ago and going 4 more years without an account is ludacris. no checking account Stacey Flippen of Franklin, TN September 7, 2008
Stacey of Franklin TN (09/07/08)
I have recently opened an account at Bank of America. When I opened this account I was NOT told that any checks that I deposited were going to be put on hold for a considerable amount of time. I deposited a check, and looked at the reciept before pulling my car away to make sure they had the date it was and the amount, which it did.
Well I logged onto my account the following Thursday (a full week later) and notice a negative account balance. I call the customer service center and speak with a woman named Rhonda. I explain that I logged online to my account notice the negative balance, but a positive balance on the side. I told her that I looked at my deposit again and then noticed that they were applying a hold on these funds until one week and one day 5pm after I deposited this check. I also told her that I checked the bank that the check was from and it had cleared that Bank 2 days prior then me speaking to her. I told her that now I'm going to be having all of these overdraft fees, and is there anything I can do. She placed me on hold, and came back with that the Bank would as a courtesy to me, they will be refunding these fees, because the bank knows you need YOUR money. I paused and said Okay and was in shock that it was that easy. I Thanked her again and again because I was so upset that this had happened.
Come to today, and I speak to Monday, a supervisor. I explain to her what I had told the previous representative, and that I had admitted that I did not see the hold date on my reciept and Rhonda told me that not to worry all fees would be refunded. She said because the piece of paper they gave me stated the held date, it was there policy that they cannot refund my money to me. I was IRRATE! I asked her how that could be when Rhonda had just told me 3 days prior that the fees would be refunded. Well I was told by Monday that Rhonda was incorrect for telling me that, but I was going to have to pay the fees anyway. I asked if this was a practice to tell customers that fees will be reimbursed and than say oh opps she was wrong and not give them there money back. She then decided that she would try and tell me that I write checks fraduently (which I don't), try to refocus that the Banks representative was in the wrong.
I have to pay 220 worth of fees, and my savings account is emptied out. Felisha of Cartersville, GA September 7, 2008
Felisha of Cartersville GA (09/07/08)
I am charged hundreds of dollars every month by Bank of America! I have acually been charged a 35.00 NSF charge for being short 2 PENNIES! This is crazy and something needs to be done about this bank stealing our money. I have 4 small children and they {Bank of America}, take food out of their mouth every month.
I have paid over 4000.00 in nsf fees over the past 5 yrs. Wendell N. Ball of Jersey City, NJ September 6, 2008
Wendell of Jersey City NJ (09/06/08)
I've had problems with BOA every since I first opened my account. I have since closed my account. In one situation a BOA customer service rep told me that she could block a company from taking money out of my account. I ended up paying 35.00 for the service and it didn't work. They allowed the company to take the money out and I was out of 155.00.
Back in late May or early June I asked BOA to close my account due to all of the overdrafts and mistakes that were being made. On July 31, 2008 a income tax rebate was deposited into my account that I asked to be closed. BOA took the check as a charge against what they called an overdraft. How can an overdraft occur when I asked them to close my account over two months ago? How can they take a check that belongs to me when the account is supposed to be closed? How come this bank is allowed to continue abusing customers and who protecting them?
According to my calulations BOA owes me over 400.00. I am trying to get legal advice on how I could file a lawsuit against BOA. Those two problems are just two of the problems that I've had with this terrible bank.
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