Bank of America Complaint - Bank of America's employees are Morons!
I lost my job on March 13 2010 and decided it would be a good idea to close my Bank of America Savings Account and transfer the money into my checking account until I received my unemployment check. My checking account and savings account were linked. I also a "keep the change" on my checking account which takes charges from your debit card and rounds up the change and dumps it into your savings account. On March 13 I used my debit card at a fast food restaurant and exactly three days later the keep the change amount comes through to my savings account the same day that I closed it! The banker at Bank of America in Henderson NV off I-15N on Blue Diamond RD did not unlink my checking account from the savings account and did not turn off the "keep the change" product. Therefore, she closed the savings account didn't follow banking protocol and exactly $1 was left in the savings account. I received a letter explaining that the savings account was closed and the balance owed was 0. Therefore, since the teller did this I could no longer review the account online. On May 13 2010 the savings account maintenance fee of $5 hit the account because the account never closed because of the $1 that was left inside of it! The bank teller never delinked everything upon closing the account. During these weeks I was in and out of different Bank of America branches and non of the tellers whom made my deposits into my checking account told me the savings account was open and overdrawn. Well, on June 13 another $5 maintenance fee hit the account, on July 13 another $5 maintenance fee hit the account and on August 13 another $5 maintenance fee hit the account @ $5 a piece. So, the bank kept my savings account open and didn't ask me if I made any purchases the day before because keep the change might drop into the savings account which would leave it open. The moron banker didn't delink the account and close "keep the change." Now I may have been reported to Chexsystem and Telechek for an overdrawn savings account when the entire ordeal was Bank of America's fault! I received no alerts online, no emails and no physical letters in the mail and to top it off none of the employees at the branches told me! I found out yesterday August 19, 2010. Then I finally got someone to delink everything and close the account. When I got home an email came in that read Bank of America will assess $35 fee towards your savings account on 8/24 even though the savings account has been closed 2 x's with a positive balance. Then the banker tells me today that it takes 10 days to close a savings account permanently and you will get that fee regardless! When I go and explain myself the bank tellers are extremely stand offish even stating they must review my account to ensure my honesty! Please dear lord come and help me!
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