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Theft on an ATM Deposit
By -

RIVERSIDE, CALIFORNIA -- On May 19, 2005, I deposited $4630.00 cash late at night in the ATM outside our local branch. (Stupid thing to do!) I also deposited that same night two checks each worth $1000.00. Total deposit that day was $6630.00. The next day I went on bank online around 6 p.m. to pay some bills, thinking I had my money in the account posted already. Online said that I had only deposited $2430.00 total the day before. Which in fact I deposited $6630.00. I right away called the 800 # to find out what was going on. I figured I could reach someone there because customer service closes a little later.

Anyhow the rep said that they deducted $2200.00 from what I keyed into the ATM. She said I only had $2430.00 in cash that I deposited not $4630.00. I went crazy! (Can someone please tell me how someone can miscount a large amount like that?) I told her that I knew for a fact how much I had in that envelope. My husband and I own our own business and every night when we close we count the money and enter the amount in our ledger. We recounted the money in the car so I can write on the envelope how much I had in cash that I was going to deposit. My husband was there when I did that.

That night we went to the bank to deposit because I had some bills to pay. I also asked her about the two checks why they weren't showing that I had deposited checks also. I did inform her that it was two different transactions. She did not show no checks. She transferred me to the dispute department. I told the dispute department what was going on. They entered a claim in for the checks. And they entered a claim for the $2200.00 that was missing from my account. The rep said that they will be mailing me a form that I have to sign and fax back. I never received a form.

The next business day I went online again to see if any changes were made. It posted that they found my checks. I called the dispute department to ask about the cash dispute not about the checks. I did tell them that they found the checks. But for some reason they re-entered the claim again for the checks and the cash. I don't know why when I was just calling to get status only. Keep in mind every time they enter a claim they give you a temp credit until claim is resolved. I knew about the first credit when I entered the claim the first time but, the second time I did not know. I told them that I had too much. They over credited us on these claims.

A day later they sent me two letters, one was for the cash dispute and it said: "After carefully investigating this claim I came to the conclusion that there is no bank errors, and your account will be deducted $2200.00 that was credited to your account!" And on the check's dispute, (which I don't know why there was a dispute out there for it in the first place) it said: "After investigating this claim carefully, I came to the conclusion that we over credited you for these checks and we will be deducting $4000.00 from your bank account."

How in the world can they figure that they had a conclusion in less than a day because I received the letter two days after entering the claim the first time and the date on the top of the letter had the same date I spoke to them. It takes awhile, a day or two to get the mail. Keep in mind they credited us twice for these checks but in the same time they really did not put the actual $2000.00 from the checks. So, basically they were going to take the $4000.00 that they were over crediting us on. (I understand!) I don't understand where is my actual $2000.00 from the checks? I called once again. (2 hours again!)

They finally realized what was going on and credited me my $2000.00. That was fine and all but where is my other $2200.00 cash that I actually deposited. They ended up deducting that from my account. I called and asked them what was going on. I spoke to a Ray in dispute department last and he informed me that there is nothing he can do anymore because they entered the claim already and dispute department closed the case. I was transferred to a manager, which did not want to help me at all, she told me that I have to write a letter to National Debit Card and explain my story. I faxed them four days ago and I still have not heard a response.

I have no other choice but to take this to court. I will no longer deposit cash in the ATM again. I will be closing this account. Bank of America is the worse bank ever. I had an account with Washington Mutual and I never had this problem before. I will be returning to them. $2200.00 is a lot of money to just let it go. We work hard for our money and meanwhile B of A just keeps taking money out from our account for NSF fees because now we are overdrawn $3000.00.

We don't know what to do. We do not recommend Bank of America to anyone. They reputation has gone down a lot for stupid things like this. We feel strongly that one of them must have taken the money and pocketing it. How else do we explain an explanation like this?

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PPP Application
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

I've been a BoA business customer for over 19 years, I called to solicit their help processing a PPP loan application. They told me in no uncertain words they would not help. The reason they gave me was I don't have a business credit card with them. Since when is this a requirement. Needless to say I was upset. What a bunch of nonsense. No consideration for a long time customer. I'm pulling my account and telling everyone I know to do the same. So much for BoA being there to support small businesses in this difficult time. Guess their plan is to sink all small businesses.

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Rotten Service
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

PINELLAS PARK PARK BLVD. BRANCH, FLORIDA -- I went into Park Blvd. branch in Pinellas Park Fl. to cash a small check. After a long wait in line was told I had to go see Arturo Foster to be "verified" and to sit down and wait. He finely shows up after another long wait. He points to his office and tells me to sit again. I never said a word to him. Upon entering I drop my credentials onto his desk. He immediately goes berserk. He screams, he "will not tolerate attitude in his bank". He further claims I threw my driver license at him. Fact is, he wasn't even sitting at his desk when I dropped my license on his desk. He was three feet behind me. He told me all he "has to do is press a button and I would be removed by armed guards". This strange little man has issues. Maybe it has to do with his country of origin or his sexual orientation. Whatever his problem, he should not be allowed to deal with the public. It's just not fair to normal people. Bank of America is truly scraping the bottom of the cultural barrel by subjecting us to foreign low-life, weirdos. Also, he pretended his computer was broken and I finally just left. Check was never cashed. This emotionally disturbed individual doesn't deserve an office in the lobby. Maybe the closet would be more appropriate. Poor Bank of America, what have you become?

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Locations of No-Fee ATMs
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

USA -- I have spent all morning trying to find which non-BofA ATMs I can use (with my account Visa ATM card) in Vero Beach FL without being charged a fee. Neither the website nor representatives at the two customer service numbers I called could tell me anything at all other than nearby BofA branches. Completely clueless. I find this so surprising because my Citibank debit card is accepted at 6500 ATMs across the country including CVS, Walgreen's, 7-Eleven, etc.; even my Seacoast card is no-fee at all Publix markets. I wasted a lot of time but once I started the search it became a challenge. I will just use another bank card.

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Fees fees fees
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

VIRGINIA -- STAY AWAY FROM BANK OF AMERICA ! Charging you for overdraft fee for 5 times in a single night for $35 each. You don't receive any warning when you are charged overdraft for the first time because they make it when you sleep at night. how bitchy! Other banks gives you couple days to make deposit if your balance goes negative, they do not charge you overdraft fee ! but boa does very badly. always transactions are reflecting days later, orders are changing so you can never track properly! I called them for refund, at least for partially refund but even supervisor rejected, not fair !!
Another thing; you pay your credit card, it is withdrawn from your checking account sooner but you can NOT see available in your credit card accounts for DAYS! this bank sucks, not friendly, trying to put you worse position, without warnings and helps! I have lot more to say !

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Horrible Wait Time
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

PHOENIX, ARIZONA -- I am so annoyed with their hold time which is longer than an hour some days. You can waste a whole lunch a whole day on the phone with Bank Of America. You can't reach a human without jumping through hoops and if you don't have your debit card or personal information it hangs up. That is extremely hard when you don't have a debit card because it's on it way in the mail. I am so tired of BOA that I wasn't to switch back to Chase. I am currently on the phone with them on hold and it's 56 minutes and 08 seconds right now and it didn't give me an option for a callback.

I think if you need to speak and handle things with a bank representative customer service then take the day off because you'll need the whole day, also you can't speak to a representative or customer service representative on the weekends or when bank closes. Chase you can they have reps customer service line even after bank closed or on weekends. People work, how do they expect for us to get things done if they don't have customer service available after hours or weekends? It's a bunch of bull and I'm livid. HATE BOA!

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Do Not Use Bank Of America For Home Mortgage Needs.
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

MIAMI -- I'll make it as short and sweet as possible. I'm a current customer of BAC. Checking acct. a mortgage, car loan, and an investment account. Applied for a mortgage for a second home that I am more than qualified for. I have a 780 credit score. Unfortunately I had a hardship a little over 6 years ago and I was more than 120 days late on a loan, but that it. By the way, that situation is still my current loan. Since then zero issues. I was denied because one situation.

So, unless you are a Saint or a robot don't waste your time with Bank of America besides their high fees. The underwriter will stomp on your file and put it in the garbage. Interesting note as well. I have been with Bank of America since 1992. So if they treat their current customers like this, imagine any new ones? There are lots of good online lenders out there. Do your research and stay far away from Bank of America. I will be also taking my accounts outta there very shortly, but felt compelled to spread the word first.

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Close our account with no explanation
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

CITY/TOWNN, NEW YORK -- My wife set up an account with Bank of America. She deposited $1000 in the account. We have a joint account with MCU and she has a Chase bank account and this was supposed to be our savings account. About 1 week after setting up the account they sent a letter informing us that they were closing the account. They provided a 1-800 number to learn why. The only thing that they would (very tersely) say is that "It was a business decision". That very same day we learned about BOA questioning the citizenship status of it's account holders. I am a citizen from birth and my wife is a legal resident alien for the last 30 years. We are home owners. We have great credit. There were plenty of products and services they could have sold us. We will never have any future dealings with them.

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Feel of Disapoinment
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

SANTA ANA, CALIFORNIA -- I started working speculating of making money for my future, things haven't worked this way, one thing I was sure is that, opening a bank account at Bank of America will help, and that really happened, at least for some time, then, the overdraft with a day, I can't stop payments since it is electronic they say, that was I good communication after all, it make it my fault to be overdraft.

But the truth, the bank use to reflect small transactions after a major transaction, it is a fact that the bank uses this practice to overdraft for more item at once, even when the small transaction should be covered without problem, but placing it after the big one, there is no escape for client, it is when the problems begun, I still remember trying to settle my debit with the bank, wasn't possible.

I still with Bank of America, still with red numbers and the possibility of working with this institution is negative, after all, a $35.00 dollar overdraft transaction as more value than an old client, the overdraft applies even with few hours that you got deposited cash. The communication was good, now it has decreased overtime, now when I call consumer services, the new voices at the phone make me feel less than a second category citizen, it is truth that they are making more money than me, but part of that salary is because I'm one of the numbers we represent to them. Hope Bank of America go back on track a little be and we all feel like we are a human beings the them.

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0 Customer Service
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

I have accounts with them for almost 10 years, I hated it their customer service! Worst one ever. I don't know what's their problems, I'm not recommending their services and banking to anybody, I stopped using their credit cards already! The only reason I can't close my accounts with them, it could drop my credit score. I will not close my credit cards, but I'm not definitely using them so they can't make money from on us! I just had conversation with a supervisor from California called Steve ** (not sure about his last name), he and his representative didn't even understand my situation, which was not common at all, basically didn't want to help me!

Listen to your customers dear Bank of America, you have been losing a lot of customers because of these type of people, let me repeat. I will not recommend your bank and services anybody, so you lose money and value! And that will happen for sure. I can see that when I look at these reviews! Folks stay away from Bank of America and their all services, do not get loans, credit cards, bank accounts, retirement accounts with them! They are horrible at customer service. They only care about the money. They make more money!

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1.2 out of 5, based on 52 ratings and
462 reviews & complaints.
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Bank of America
100 North Tryon Street, 18th Floor
Charlotte, NC 28255
888-279-3457 (ph)
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www.bankofamerica.com
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