Bank of America Consumer Reviews - Page 8

VENICE, FLORIDA -- Banking practices can be true, but lets also put it where it belongs. How is the bank acting in the best interest of its customers if it allows transactions to be made if the money isn't there because they don't post my deposit, but they will post my transactions as pending and subtract them from my account the same day, causing a negative posting, but doesn't post my deposit that was the same day of my transaction, but will post those $35.00 ISF fees?

It's just becoming more unethical with this banking establishment of customer service and morals of the name that they carry "AMERICA", because they are far from American. We are working to pay banks a gallon of gas, Right, I'm all over that. PLEASE let's put it there that this bank doesn't care about the American people.

This is a hilarious cost of a fee. I had overdrafted my account by $1.25 with keep-the-change transactions. Well the bank was so kind to transfer the amount from my savings with the overdrafted protection plan, HA HA! And the funniest part was they charged me $10.00 to do that and overdrafted my account with the transaction fee and charged me an overdraft fee of $35.00 so that $1.25 was worth to them $45.00 - HA HA! Welcome to Bank Of AMERICA!!!

Let's totally protest this banking establishment as I will do only direct deposit to a savings if I can. My employment demands direct deposit only, but I'm not sure if it's only checking, and it will not be with this bank as I seek a new establishment. There online services are a joke too and are totally not accurate just as their ATMs - they give you different balances and then brush the blame off on technology, not posting our deposits or pending transactions. What a joke they are...

This is their choice to offer us the ATMs and online services, but it's not accurate equipment so you can be messed up in counting your next American dollar and to count money that you don't have because they say you have it one minute, and you don't the next. So much so that you owe them more in the long-run because they mess with your accounts and do what they want with your money, especially in taking it.

I hate their online services showing me pending transactions and subtracting them from my account and then the next day re-organize my transactions largest to smallest, causing transactions to bounce because the transactions was made before my deposit but the day before they were pending. And I made a deposit that evening being way in the positive, but oh no, they start bouncing my account all over the place with their NSF fees of $35.00 because at one moment, my transactions are showing pending and not posted, and then all of a sudden they post before my deposit.

They can show and say one thing and then turn around the next day and say "oh no it doesn't work like that" and give us your money. Double standard practicing there and non-American, and their practice is misleading, and false advertisement and use of information is deceptive. They either need to make it right or answer for their deceitful ways in the materials they offer to their customers being misused for their advantage.

It's almost like price gouging and any attorney willing to take this company on sure will have a huge class action suit to have this bank be accountable for their deceitful ways of business and keeping their customers' best interest at hand.

DALLAS, TEXAS -- I married into Bank Of America. Never would have gone there by choice. We had started out with a personal checking and savings accounts. A year later my husband, acting as sole proprietor opens a business account and receives a business debit card and business checks. Some months later, he opens a payroll account in order to write checks off the account and have other items separated.

After receiving a bad $2800 check (which by the way cleared the bank, no hold was provided, funds were available and B of A took it out the next day after it was already available/cleared...). This caused the payroll account to be over $1300 negative b/c my husband had made a transfer from business acct to payroll acct to pay his guys.

Well, the transfer wasn't showing up right away online so he called customer service. They said they were having issues with online banking that day, but that this guy could see his transfer and it was a-okay. Ya right. That next day that B of A mysteriously took the $2800 out, caused both business accounts to go negative since they were quite in the positive beforehand.

Flash forward a few weeks... I check my accounts this evening and all of the accounts minus the payroll account read $0. Right. Personal checking, personal savings, and business. Being that the East Coast offices are already closed, I could not get ahold of a live person to give me my freaking money back.

This is just absolutely ridiculous. First off, we have zero warning to this account transfer. And on top of that? Yes we knew the account was negative, but we have to work in order to bring it positive and if you take all our money and transfer it without approval? How can we buy gas now to get to work to pay this account off??!

As well as the issue that these are business accounts. They are completely separate from our personal accounts! The business accounts are in a business name and personal accounts in personal name! We hadn't received any calls/letters/e-mails regarding this negative account; at least not until 10 am this morning in which I didn't receive the message until this afternoon, but they gave no indication of why to call. Just says "It's B of A please call blah blah during these hours. This is not a blah blah call." That's it. Nothing about what they wanted. Apparently it was to tell me they're taking all my money away from my accounts!

Has anyone ever experienced such an instance? I am calling first thing in the morning...They better watch out, I'm not a morning person and especially since they have my money! I just... I mean, my jaw dropped to the floor! I've seen instances with other banks that call you to bring it positive, send you letters, try several ways for you to deposit money besides withdrawing everything from every account in your/husband's names! I just can't believe it...

On March 10th, 2008 I made a house payment to Wachovia bank in the amount of $1566.92. The next day (March 11th) I was talking to Wachovia about switching my payments from bi-weekly back to monthly, and since the half payment was due that day (3-11) I agreed to make another payment and I had forgot that I made the payment online with B of A the 10th.

It was not until the 12th that I realized what had happened. I called Bank of America and told them that Wachovia was going to refund ½ of a payment back to my checking on March 14 (which they did), and the lady told me that the bank would give me credit for the charges and that all I had to do was call when the credit posted. On March 14th I called the bank and I asked if they could give me a break for the $245.00 they had charged me. I finally talked to a supervisor (I think) and she was very unpleasant, cold, and threatening.

After I begged and told her my situation she said she would credit my account with $122.50. I asked her to please give it all back and she said that if the $122.50 was not good enough then the bank would charge the whole amount and that would be it! I have a brain tumor and other health issues and insurmountable financial problems. The rest of the charges and now another $35.00 that was charged after the credit, for a total of $280.00 is enough to completely destroy any chance I have for a financial recovery. I am unemployed and will be going to total disability shortly.

I have been a B of A customer for 25 years. I have paid out a large amount in NSF fees over the last two or three years and most of the time it was my fault but only because of a mental deficit that was unknown to me until recently.

The local branch in Folsom California was not help at all. The lame that I spoke to there told me that because someone had already messed with the NSF fees the computer would not let him access the account to reverse any more fees. Oh please! Then I asked about the $35.00 they took from me after the credit was posted and it even shows a black color on the website. He says well they take out the fees first and then post the deposit. What the **.

Now to top all of that off my B of A visa account was also charged $39.00 for a late fee. I had a $41.00 payment due on 3-11-08 according to the website. Now mind you that I made a $50.00 payment on 3-4-08. I have actually paid over $400.00 in the last two months just to keep the balance below the maxed out amount and to make sure no late charges were applied. What a bunch of junk this is... Changing banks now. Thanks for 25 years of nothing Bank of America, you suck!

FLORIDA -- My story begins with the death of my mother in March of 2007. I contacted BAC to transfer her savings proceeds to the jointly held Checking account. I was told to obtain 2 documents from the probate court and send them along with the death certificate to Tampa, Fl. I obtained the documents and sent them as requested. I waited 45 days and having not heard from them (BAC) I went online to customer service to find out why I had not been contacted. The online rep told me that I should go to the nearest branch office and they could help me. I emailed back that I live in Cincinnati and there are no branch offices, Not in Ohio, Kentucky, or Indiana.

To my amazement I received yet another Email saying that "Sorry for the inconvenience but you need to go to a Branch office." I then called the 1-800 customer service and asked if it was true that I needed to travel well over 500 miles round trip to find out why I had not been contacted about transferring the Savings to the jointly held Checking account. The Customer Rep was apologetic and did get me in touch with the BAC employee in Florida who was handling my mothers account.

She said that she had not received the documents but that their paperwork load was running behind and possible the documents had not been scanned in yet. Call back in another 2 Weeks. I waited 4 weeks, called back but she had still no documents. She suggested that I go back to probate court and get copies with raised seals and signed in blue ink. I did so the next day.

I was preparing the documents to send them when the mail came. In the stack was a letter from BAC - they had received my documents but signed by a different person than whom I was talking to. I recalled Tampa, talked to the rep and she informed me that sure enough the documents had been there all along but that the rep sitting across the aisle had them.. I received the proceeds 30 days later. It took a full 5 months to get the money.

This year I decided that since I had such a hard time with the customer service and since no branch office is located even close to me, I would close the jointly held checking account. Once again called 1-800 customer service. This time I was told (No problem Mr. **) "we should have this done in 7-10 days and your check for the amount left in the account will be forwarded."

I waited 30 days, no response - called 1-800 customer service. "Hmmm" says the rep. "It seems they sent your request to Legal?" "OK" I said, "what now." Rep says "please call back to Customer solutions 4 days from now and they should have your answer." Called 4 days later. The Rep says "I see where they Emailed the rep who sent your request to legal for clarification" but no return Email logged. I told him that I just wanted to close the Checking account and get my money. He suggested that I write myself a check for the proceeds and deposit it in my bank, he would make sure that I did not get charged any fee's for the check.

So that night I deposited a BAC check for the $76 in my National City bank account. Two days later the Rep calls me and says "did you cash the check yet?" I told him "yes just as I had been told to do. I put the check into my account." He says "Well it seems legal has closed the account and now has sent you a check for the $76." I could not believe it...

So now I have received a check for the $76 plus a returned check fee of $10. I wrote this entire story to VP Liam McGee to suggest some changes that might help his organization. I have waited 2 weeks for some sort of reply, but as usual I have heard nothing. I believe that had I wanted to put money into the BAC that I would have incurred no problems, its when you want to get your money out that the problem occurs. I hope your experience is better than mine. I can't recommend a business that can't keep track of documents and requests let alone my money.

CORVALLIS, OREGON -- BANK of AMERICA has frozen my checking account, saying I owe over $700 for overdrafts, which I do not and I only owe for one overdraft when I purchased a Dell computer over the phone and Dell recorded the order. Dell and I agreed to making two payments $300 the first month and $319 the second month and Dell took $619 the first month making my checking account overdrawn one time and that fee is $35 which I agreed to pay even though it was Dell who caused the overdraft and now Bank of America is adding all types of fees and more overdraft fees for what purchases I do not know.

Dell is the only overdraft so all I owe my bank is $35 and I have sent emails to them protesting their actions. My source of income is my direct deposits into my checking account which after the Dell first months withdrawal I should have had a Balance of around $234, if Dell had taken only the first months $300 and my bank will not unfreeze this money so I can buy food to eat!

They are stealing my money and I have called the Corvallis Police here in Oregon and all they say to do is call Bank Of America and I told them I do not get anywhere when I talk to them. So how can I get this mess my bank has made of my checking account which was originally caused by Dell computer reneging on the phone agreement that was recorded and will prove when listening to this recording that proves there were to be two payments.

Dell was the only overdraft!! I need to add just one more item which is that Bank Of America never, ever notified me that my checking account had any overdraft when Dell computer took the $619 for payment of the computer I purchased from Dell. When I got my statement from this Bank almost one month later is when I discovered Dell had caused the overdraft. Bank of America should as a steward and caretaker of my money at least have notified me about this situation.

If there should not be enough money in the account, because Dell computer took the payment in one withdrawal instead of the two payment plan that me the customer and Dell agreed to on the phone, which Dell recorded, then the Bank should not be paying when a request is sent to them since Dell caused the account to be overdrawn because of their action in violation of the agreement we both had and Dell's Phone Recording will prove we had a two payment set up and the salesman even connected me with their credit department and that department setup an account for me to pay with two payments.

The first payment was a withdrawal from my checking account and then Dell said they would mail me a bill for the second payment and that I could send them a check. $300 first withdrawal... second $319 with a check. I did notify Bank of America that this was the agreement I had with Dell computer and that my Bank should only honor Dell's request for the first payment of $300 per the phone agreement so I advised Bank of America of this and to only pay this first payment of $300 and my Bank paid the full cost of the computer which is $619.

So my Bank is to blame for this one and only overdraft so Bank of America should not be accessing me fees for the mistake they made. They were notified on the transaction Dell and I made and that it was to be two payments. Bank of America has never emailed or phoned me nor mailed me anything that concerns what I told the Bank on the phone so Bank of America is remiss by not providing a confirmation as to the details that I informed them on! They have a habit of not confirming nor informing me of anything that may be happening with my account.

I am still waiting for my Bank to finally replace the $600 they said would be redeposited back into my checking account once they finished their investigation of a Hacker accessing my account by computer and getting into my computer and stealing my retirement money 6 times, for 6 months in a row.

Bank of America did not keep my money secure or safe. They replaced all but this $600 but took 3 weeks to replace what money social security originally sent that was stolen. Still, this $600 has not been redeposited in my checking account. What can be done to finally get this $600 replaced as Bank of America said they would do upon finishing their investigation into this Hacker Computer Theft?

ORLANDO, FLORIDA -- I wanted to take this opportunity to let the general public know about the questionable business practices of Bank of America. I was only with Bank of America for about 3 years and have not had a problem with NSF fees. Then one day I find that I have 3 of them out of the blue. I am not saying that I did not perform these transactions, but I am saying that I did them just before a direct deposit.

I was told when I opened the account that deposits are counted first and then transactions. I called Bank of America and was told that their computer system would not let them reverse these charges because they were not valid. I asked to speak with a supervisor and when I got to her she treated me like someone from a 3rd world country and would not let me speak with her supervisor. She gave me no customer service at all. This happened again the next pay day and at that time I was out of town.

I again asked for these fees to be reversed as I was 150 mile away from home and had no money in reserves and they said that I should borrow the money from someone else. Almost a month later I got my income tax return and I didn't want to have that much money on my person so I opened a Savings Account online with Bank of America. I went to the branch to deposit the money and there was a line of about 8 cars at the drive-through ATM, but no one in the drive through.

So I went to the drive-through and asked for a deposit slip. The drive-through rep told me that they do not do that because they had to increase their handle time in the drive through. I told her that I am an account holder with BOA and that the drive through is for account holders only. She turned to the manager of the branch who got on the microphone and advised me that they would not be helping me in the drive-through that day. He talked to me like I was a piece of dirt. I advised him that I would be more than happy to find another bank to go to as well and I left.

I am now with Washington Mutual and I have had no problems with NSF fees at all and the staff is very friendly. I find it funny that I am not having these problems when I am with another banking institution. I think it is because Bank of America is a company dedicated to making as much money as possible by stealing from the little guy.

I refuse to do business with a company who acts as if they are a bunch of communists. I have taken my Mother, Father, Grandmother, Brother, Aunt, Uncle, and several Cousins from BOA and now it is your turn to take charge. Take all your money, investments, car loans, and house loans from this retched company and go to another bank that will treat you fairly.

FLORIDA -- I have a big beef with Bank of America. Since they are all BIG AND POWERFUL, they don't feel that Rules and regulations pertain to them. We have a couple accounts with them. They hold our Mortgage and thank God we don't owe too much more on that because I can't wait to be free of their clutches. We also have a credit card with them.

Well the end of 05 the BIG 3 banks decided to DOUBLE their minimum payments. WE didn't sigh up for that. Whey can credit card companies change the rules on us but won't work with us after we ask them for help because we can't pay? We told them in 05 that this account was a real burden, we had a very good credit rating and had been with the bank for years. Didn't matter. Well we went on paying our double payments for about 7 months, mind you they had become more of a CAR payment than a credit card payment by this point. We weren't' charging on the card only BOA was with their finance charges and other fees.

We went to them last June and said we really needed help. Please lower our payment or our interest rate at least for a short time so we could get caught up a bit. They wouldn't even talk to us. They said we weren't late they couldn't help us. The next bill we couldn't pay. We went back to them to try to make arrangements. They wouldn't give us a break. They told us to go to credit counselors. That is what we did. We set the account with Credit/Debt Management Counselors giving them power of attorney and that is supposed to shut down collection calls etc.

Well Bank of America ignored the power of attorney and continued to call for 2-3 months. Mind you the credit counselors we have set up a trust fund to pay Bank of America but they didn't even make contact to get some money and start payments. Bank of America hands the account off to collection Attorneys, which I have another complaint to enter here about. These Attorneys/Collection Agency also ignored the POA (power of Attorney) and Cease and Desist orders for months now. They are listed with our Credit counselors but have never made contact or an offer to settle the account and use the funds that were set up to pay the debt.

They want all of nothing and now that bankruptcy laws have changed the consumer is getting screwed royally. We did what we were supposed to. We aren't asking for a clean slate. Our once spotless credit is now trashed and we want to pay a reasonable amount of this debt. Both Bank of America and their collection agencies have broken many rules under the Fair Credit Practices act. They continued to make harassing phone calls months after they were told in writing and by phone to stop.

They haven't made any attempt to work or even speak with the credit counselors and they are supposed to. Their collection agency has even more violations including threats. There are complaints all over the web regarding them and their attorneys but no one seems to be able to do anything because of the size and power they have.

AUSTIN, TEXAS -- I discovered that someone had my debit card number and used it over the weekend while I was out of town (note I still had the card in my possession). I was able to have the card cancelled and a fraud claim filed with Bank of America. In this drawn out process, I was to receive a time sensitive Affidavit in the mail that must be signed and quickly returned. Needless to say it never arrived.

I called customer service and they made arrangements to fax to my local branch (William Cannon/Austin, TX). This was on a Friday. I spoke with the branch and they said they would call me when it arrives. Nothing. On Monday, I called off and on all day with no answer at the branch. Tuesday I called all day off and on at the branch with no answer. I called the customer service line back in the late afternoon. They put me on hold and tried the branch and got no answer.

Finally after several tries they got through, verified the number and said they would send a second time (on Wednesday). I heard nothing from my branch. Mind you this is a time sensitive document. I started calling in the morning on Thursday and finally got an answer at 10:37 a.m. by the Asst. Mgr. Her tone from the beginning was rude. I explained the situation and told her that I REALLY needed some help. She said their lobby was covered up with customers and that she shouldn't have even picked up the phone as the customers come first and she did not have time to help me.

I said I was a customer too and have been since it was Nations Bank and explained that I really needed some help. I said then "why does the bank have phones if you don't plan on answering them and helping your customers." She was huffy and placed me on hold to see if the document had arrived. She came immediately back and said it wasn't there (boy that was fast). I told her could it have gone to a different fax. She said just a minute huffily and placed me on hold.

Two hours later she still had not come back to the phone. Not once did she offer to take my number and call me back when she could or try to find someone else that could help me. A very simple act. In the meantime, I picked up my CELL phone and called the 800 customer service line to file 2 complaints as I had been trying for almost a week to get this document and could not get any help, was spoken to very rudely and was left on hold for so long. The customer service people were able to hear the call on hold in the background on my home phone which has a speaker.

They couldn't believe that when we were done with the complaint process that I was still on hold. I was also able to call the asst. manager back on my cell and tell her she had placed me on hold forever and she could hear the call holding in the background, but denied it was BOA's line and said it must be something else. I told her that I had filed a complaint and was very unhappy and she just said "do what you have to - are we finished here." I told her no that I needed help and she said my documents weren't there and hung up.

I just left the call on hold to see what would happen and continued to use my cell. Finally after two hours someone at the branch actually picked up and I got this person's name and said thanks that she was my witness to this rude asst. mgr. leaving me on hold for 2 hours. I got in my car and drove to the branch. I met with the branch manager. He basically called me a liar to my face and told me that the incident never happened and that she was a good person and wouldn't do that.

I kept insisting why would I lie about it, etc. and he kept insisting that it did not happen. He started saying that when the employee finally picked up it was because I had called back in and had not been on hold. He also gave me a history of who I had talked to etc., so obviously the asst. mgr. had told him her version of the story (very cleaned up). I kept telling him to go over the employee that picked up the call after 2 hours and ask her if it was an incoming call or one that had been on hold and he refused.

Basically the conversation escalated with me saying one curse word and the branch manager hollering at me to leave the bank. Please note that I called customer service back and asked them to send the document to a different branch. I had the document that same day with a very sweet person at the other bank helping me and the documents were faxed immediately back to the fraud department.

It was amazing that the one branch was able to accomplish this in one day without incident and the other branch could not in 6 days. I am just shocked that I as a customer would be told that I was a liar. Why in God's name would I make something up like this. Needless to say I am currently searching for a new bank, but these blogs aren't giving me much hope for a better bank!