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Level of upset :: 4 Business in question :: Bank of America I had a situation that was like one other I read here. I closed the account and checked the balance no checks out ect.. yet 6 months later they reported $256 onto my credit. It 1.46 plus a 240 late fee. The weird part is the fee was left over balance but I checked even after i closed the account and it was 0. I think they flat out ripped me off but I took it like a champ and did nothing. Level of upset :: 4 Business in question :: Bank of America Bank of America is the uncontested rip off leader in america. Just ask a friend and they will most likely of heard of a rip off or been ripped off by Bank of America. Level of upset :: 4 Business in question :: Bank of America This is a old story but none the less really messed up and 100% true. I was nineteen and had a secured visa with them, I then got a better card and cancelled the card. I had a three hundred dollar reserve to pay the card and had 1298 dollar balance. When I closed the card the rep said that I would receive a 2 check for the difference. I was thinking two bucks who cares. Well 6 months later I go to buy a new car and my credit report shows a $120 payment past due that is six months late! I call them pissed of and they said sorry you accrued $2.30 interest payment. I was over .30 and accrued a $20 late fee for 6 months. I of course refused to pay and well it grew to about $500 I then had to pay them to clean up me credit and still had it on my credit for 7 years. I was screwed and am not surprised if they do this a lot, when I told the lady she prepared to say sorry we cannot help you. She never even asked a manager and when I finally insisted on the manger they said the same story that is my responsibility to check regardless of what I was told. Bank of America sucks! don't use them... Level of upset :: 4 Business in question :: Bank of America Bank of America at least six months ago, I recently deposited a FLEET
PAYROLL CHECK into my 'bank of america' account, and it took THREE DAYS
to clear, bouncing my rent check. They return my check unpaid, **EVEN
THOUGH THE FUNDS WERE IN THE ACCOUNT** and they had the audacity to
charge me $35. This $35 resulted in my account being overdrawn by $1.26.
I had three other checks bounce, for a total of $25. Level of upset :: 4 Business in question :: Bank of America Complaint :: My paycheck is direct deposited into my account by PayChex. I was charged $61.00 in overdraft fees on August 18, 2005 for checks that posted. When I inquired I was told that they were posted to my account on the 19th between 12am-8am. I told them that my paycheck was posted on that day. They said that my paycheck was not to post on the 19th till 8pm. Basically, entered my checks in on the 18th even though they didn't post till the 19th and they held my paycheck for 12 hours so they could charge me the fees. I asked when my previous check(7/22/05 paycheck) had posted to my account and they said at midnight. They proceeded to tell me that my payroll company wouldn't let them deposit the check until the exact payday. Also things have a habit of showing up on my online banking as withdrawals and then several hours later are no longer there. Then they reappear a few days later. Now, I did a transfer and they took the money out on the 22nd but my other bank has no record of it and Bank of America says it hasn't been returned to them. They manipulate your account to make money by charging you fees. Also they charged me $19.00 overdraft fees one time and this time, it is now $31.00????????? Level of upset :: 2 Business in question :: Bank of America Complaint :: We had a car loan thru B of A. Our daughter totalled the car and our insurance company sent a check to B of A for payoff. The check was sent July 21 and wasn't posted on the account until August 11th. Seems that they held the check just to be able to charge more interest, in my opinion...I am going to write B of A a letter, and send a copy to the Federal Reserve Board. Level of upset :: 2 Business in question :: Bank of America Complaint :: Well I decided to open a checking account and savings at B of A. They told me my debit card would get home in 5-10 business days I have called several times since then and they say that they must have sent about 3 debit cards home yet I recieved none. This is very inconvienant because that means that i have to go to their branch to withdraw money between their hours or if not I am screwed. I don't think its right and someone is clearly not doing their job. Level of upset :: 4 Business in question :: Bank of America Complaint :: I had scheduled a payment for Sallie Mae to be taken out of my bank account. I tried to Stop Payment on this as I realized that I had input an incorrect date for it to be withdrawn. When I called Bank of America, they said that it would take 3 days to process and I would be charged a stop payment fee even if they could not stop the payment. When I viewed my balance on-line, every item that I had debited was already posted as cleared except for the Sallie Mae payment, so I figured that I would only have one insufficient fund fee. Well needless to say when I checked my balance the next day the Sallie Mae payment was posted and it was placed before the other items that were already posted the day before as being cleared, resulting in 6 insufficient fund charges in the amount of $204.00 (see attached document). When I emailed Bank of America on their website I received the following reply; Dear Debra X. XXXXXX, Thank you for your inquiry dated 9/12/05. We are committed to providing
you with the best banking experience possible. Please be advised that
we process all transactions together, highest to lowest according to
amount. If funds are insufficient to cover all the items presented,
this may enable us to pay more important items, such as mortgage payments.
We apologize for any inconvenience this may have caused. If we may be of further assistance, please contact us again by e-mail. Thank you for choosing Bank of America. Sincerely, N. XXXXXX I do not see how this is legal. The items that were already cleared should have stayed that way regardless of the amount. I replied to Bank of America that I would be posting my complaint anywhere that I could and that I would be closing my account. Level of upset :: 2 Business in question :: Overdraft fees Complaint :: Well yesterday (6-13-06)my checking account went into a negative balance of $19.72 so I went out and deposited $20 cash at the ATM in the evening time... This morning everything looked fine with the account when I logged on and now when I looked this evening I was charged with 2 insufficient charges at $35 a piece.. So now my account is in a negative balance of about $70. When I called customer service, the representative told me that I got charged because of the activity from yesterday and then I told her but ma'am I deposited $20 to cover the negative balance to prevent getting insufficient charges. I asked her to refund the charges to me and she said no because ATM deposits have to be by 4 pm to be counted on that business day.. Well no one has ever told me that before and there has been other times when I have deposited money after 4 pm and the deposit was included with the same business day. I asked to speak to her Supervisor which I was then transfered to Kristie King. She explained to me the same thing and I explained to her that I was not aware of the ATM rule. She then got an attitude with me and said no one will be able to help me and that she will not refund those fees when I asked for her manager's name and spelling she spoke to me as if I was someone who does not understand english. I am fed up with Bank Of America and how they treat their customers... After this incident I am going to do business with another bank. I say we all come together and petition against Bank Of America... Business in question :: Bank Of America Complaint :: I have a My Access Checking account through BOA, meaning
you will be charged if you use a teller more than 1 a month. I would
take that as you can trust any type of deposit to be made through an
ATM. Level of upset :: 4 Business in question :: Bank of America Complaint :: I am a full time college student working part time to pay the bills, so money is important for my future. Well I always thought the balance the bank teller tells you is correct, but come to find out it is not because it is not up to date at times. So i deposited 150.00 into my account and the banker said i was -52.00. so he then said your new balance is 97.52 so i used my card several times on small purchases like at my job for a candy bar, water, and things small. Well come to find out the balance was not 97.52 it was acutally 2.43 because the weekly charges i spent was not posted yet. so i had 13 over charge fees of 33.00 dollars and on top of that i had 5 of the 19.00 dollar over drawn fees, but what really gets me mad is that the total amount i actually spent was under 30.00 and i had over 450.00 of just over drawn fees to pay in my account all for items that cost less than 1.00. i was really upset so i went to the bank and the lady said she could only take of two 33.00, and i knew she could take of more so i called the customer service line and the lady said she could help me, but then she informed me that becasue the other hag had already made a decision on the fees she could not over ride it . i had to pay 430.00 just for fees that is 3 weeks of working for me. no i have no money for the next two weeks because of the incident and i would like to know who i can report this to or write to the president of bank of america because i am highly upset. Level of upset :: 2 Business in question :: Bank of America Complaint :: I would like people to contact me about a possible class action suit, it can't be on an individual case but for the following reasons below. From what I've read countless times in many complaints, incorrect
whether deliberate or by mistake, information has caused people to lose
money on have inability to access their accounts. I had that happen
to me when an employee probably feeling I was not courteous enough to
him deliberately and maliciously put false information on our file,
making it impossible for my mother and me to access our accounts on
the internet or phone and having to inconvenience ourselves to go in
person to the bank. What is worse, is that although they knew the reason
for us being inconvenienced, the telephone customer service agents didn't
tell us that they couldn't tell us, they just lied and said that they
didn't know. Officer at bank who knows and likes me, showed that the
reason was clearly on the computer. Putting in false information is
almost criminal and may hold the bank liable and have them lose a civil
suit unlike just a bookkeeping computer error that COULD NOT hold the
bank liable.
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