Bank of America’s earns a 4.0-star rating from 4574 reviews, showing that the majority of banking clients are very satisfied with financial services.
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theft
This is the last letter I sent to Bank of America. As of Sep. 2, 2008, this is still not resolved.
---
Nicole Cone
P.O. Box 4012
Irmo, SC 29063
[protected]
Bank of America Corporate Affairs
100 North Tryon Street
Mail Code NC1-[protected]
Charlotte, NC [protected]
Re: Checking Account Number [protected]
Thursday, July 24, 2008
To Whom It May Concern:
Your branch at 4300 St. Andrews Road in Columbia, SC has ignored my letters from December 10, February 12, February 21, February 25, February 27, March 5, March 31, April 13, April 21, April 24, April 28, May 2, May 11, May 26, and June 12.
I am writing to file complaints concerning this branch, Matthew Taft, and Arin Faison. I have been treated poorly as a customer. I have been lied to, called a liar, and have felt threatened. All I have ever requested was to have my account fixed.
I have also already called your corporate office two times this week at [protected], and I have not received a call back.
I have already lost my car due to your negligence. I am now in the eviction process. I need my money in order to buy a car to get around, and to pay my landlord so I will not be evicted.
REFUND REQUESTED
$ 53.50 Charge Reported
$ 30.00 Charge to me for check 537 you returned
$ 0.20 Late fee for check 539 I was charged
$ 30.00 Charge to me for check 539 you returned
$ 105.00 Three $35.00 fees charged on 2/5/2008
$ 70.00 Two $35.00 fees charged on 2/6/2008
$ 30.00 Charge to me for check 540 you returned
$ 70.00 Two $35.00 fees charged on 2/11/2008
$ 35.00 One $35.00 fee charged on 2/12/2008
$ 35.00 One $35.00 fee charged on 2/14/2008
$ 30.00 Stop payment fee on check 542 that you did not stop payment on
$ 105.00 Three $35.00 fees charged on 2/21/2008
$ 36.95 Check 533 Returned Incorrectly
$ 30.00 Charge to me for check 533 you returned
$ 35.00 One $35.00 fee charges on 2/25/2008
$ 30.00 Charge to me for check 541 you returned
$ 30.00 Charge to me for check 543 you returned
$ 105.00 Three $35.00 fees charged on 2/26/2008
$ 70.00 Two $35.00 fees charged on 2/27/2008
$ 35.00 One $35.00 fees charged on 2/29/2008
($1, 048.50) Partial correction to my account (3/5/08)
$ 35.00 One $35.00 fees charged on 3/5/2008
$ 4.00 Refund for fees incurred when local BOA ATM did not have money to disburse
$ 70.00 Two $35.00 fees charged on 3/14/2008
$ 35.00 One $35.00 fee charged on 3/20/2008
$ 35.00 One $35.00 fee charged on 3/21/2008
$ 35.00 One $35.00 fee charged on 3/24/2008
$ 175.00 Five $35.00 fees charged on 3/25/2008
$ 175.00 Five $35.00 fees charged on 3/26/2008
$ 105.00 Five $35.00 fees charged on 3/27/2008
$ 175.00 Five $35.00 fees charged on 3/28/2008
$ 35.00 One $35.00 fee charged on 4/7/2008
$ 10.00 Fee charged on 4/9/2008
$ 35.00 One $35.00 fee charged on 4/14/2008
$ 35.00 One $35.00 fee charged on 4/15/2008
$ 175.00 Five $35.00 fees charged on 4/16/2008
$ 175.00 Five $35.00 fees charged on 4/17/2008
$ 70.00 Two $35.00 fees charged on 4/22/2008
$ 175.00 Five $35.00 fees charged on 4/23/2008
$ 175.00 Nine $35.00 fees charged on 4/24/2008
$ 175.00 Nine $35.00 fees charged on 4/25/2008
$ 175.00 Five $35.00 fees charged on 4/28/2008
$ 70.00 Two $35.00 fees charged on 4/29/2008
$ 175.00 Five $35.00 fees charged on 4/30/2008
$ 70.00 Two $35.00 fees charged on 5/1/2008
$ 10.00 Overdraft protection fee on 5/1/2008
($1, 200.00) Partial correction to my account on 5/2/2008
$ 175.00 Five $35.00 fees charged on 5/6/2008
$ 35.00 One $35.00 fee charged on 5/7/2008
$ 105.00 Three $35.00 fees charged on 5/12/2008
$ 175.00 Five $35.00 fees charged on 5/13/2008
$ 175.00 Five $35.00 fees charged on 5/16/2008
$ 175.00 Five $35.00 fees charged on 5/20/2008
$ 35.00 One $35.00 fee charged on 5/22/2008
$ 175.00 Five $35.00 fees charged on 5/23/2008
$ 70.00 Two $35.00 fees charged on 5/27/2008
$ 105.00 Three $35.00 fees charged on 5/28/2008
$ 175.00 Five $35.00 fees charged on 6/3/2008
$ 70.00 Two $35.00 fees charged on 6/4/2008
$ 35.00 One $35.00 fee charged on 6/9/2008
$ 70.00 Two $35.00 fees charged on 6/11/2008
$1, 500.00 Bill pay check 5014 applied 6/11/2008 -- I called my local branch to cancel this on 6/9/2008
$ 35.00 One $35.00 fee charged on 6/13/2008
$ 35.00 One $35.00 fee charged on 6/16/2008
$ 30.95 NSF Charge on 6/16/2008
$ 175.00 Five $35.00 fees charged on 6/17/2008
$ 70.00 Two $35.00 fees charged on 6/18/2008
$ 35.00 One $35.00 fee charged on 6/24/2008
$ 35.00 One $35.00 fee charged on 6/26/2008
$ 35.00 One $35.00 fee charged on 6/27/2008
$ 35.00 One $35.00 fee charged on 7/1/2008
$ 70.00 Two $35.00 fees charged on 7/7/2008
$ 70.00 Two $35.00 fees charged on 7/8/2008
$ 29.95 NSF Charge on 7/9/2008
$ 35.00 One $35.00 fee charged on 7/10/2008
$4, 887.05 TOTAL REFUND REQUESTED
Sincerely,
Nicole A. Cone
CC:
Bank of America
Attention: Bank Manager
4300 St. Andrews Road
Columbia, SC [protected]
Better Business Bureau
2330 Devine Street
Columbia, SC [protected]
South Carolina Department of Consumer Affairs
P.O. Box [protected] Forest Drive, Suite 300)
Columbia, SC [protected]
Attention: Supervisor of Jacqueline F. Brabham
Re: 08-00980A6
Office of the Comptroller of the Currency (OCC)
Customer Assistance Group
1301 McKinney Street, Suite 3450
Houston, TX 77010
Re: OCC 764096
Bank of America
Office of the Chairman
P.O. Box 25118
Tampa, FL 33622
FL1-[protected]
Attention: Matt Taft & Arin Faison
Office of Thrift Supervision
Southeast Region, Consumer Affairs
P.O. Box 105217
Atlanta, GA [protected]
South Carolina Attorney General
1000 Assembly Street
Columbia, SC [protected]
Scams
Reps there lie about their names and mphantom offers for buyers who do not exist. They will call you with a fake name then call you back with another to close you. The pitch goes like this: hI YOU ARE A CLIENT OF OURS... DO YOU HAVE YOUR ADMIN NUMBER? ( A FAKE NUMBER, NO MATTER WHAT YOU SAY YOUR WRONG...) THEN THEY WILL PROCEED TO TELL YOU, HEY HOLD ON LET ME GET MY PROPERTY MANAGER OR VICE PRESIDENT OR WHOEVER... LIES ALL JUST SALESMAN... SO DONT BE FOOLED WITH AN ILLEGITIMATE COMPANY... ALL THEY DO IS STEAL MONEY FROM PEOPLE AND RUN... NEVER RETURNING PHONE CALLS AFTER YOU SEND THEM MONEY!
They gave my info to a 3rd party
Through my bank, Huntington National Bank, I applied for a Master Card. FIA processed the application, turned me down and still has not sent a decline letter.
What they did do was illegally send the letter to an address I had more than ten years ago and no longer use! FIA claims the address was on the hand-written application. WRONG! The app was generated on a bank pc that had only current info on it! I though it was illegal to send personal info to an UN-authorized third party, but FIA says otherwise. When I find out the culprit, I will file charges with the feds.
The complaint has been investigated and resolved to the customer’s satisfaction.
excessive overdraft charges
My son has an account with Bank of America. He is new to the Banking business. He thought he had more in the bank than he did. He used his ATM card for a small purchase of $6.89. The following day a purchase of $ 7.66. Atm card no problems right? no he was charged 2 overdraft fees of $35.00 each. My complaint is when does the Bank stop allowing you to overdraw your account? Are they out to collect as many fees as they can? Would they allow you to come into the bank and withdraw money that wasn't there? At what point do they look out for you when you overlook something and put a stop before you incur numerous fees? I also have an account with BOA and have never activated or used ay of my ATM cards because of this reason.I just keep enough money in to keep it open so if I need to cash a check or anything I can But my banking loyalties belong to Wells Fargo even though I bank from afar due to there are no Wells Fargo Banks in they city I live in or close by for that matter. Think twice before trusting BOA as they apparently are looking out for the bottom line not you.
Very similar situation happened to me several times over the years with BOA!
I was going through chemo and didn't know my balance had dropped below by less than ONE DOLLAR and I accrued almost $300 in over-draft fees because they continued to pay bills going out.
It was awful and didn't help while fighting for my life!
checking account scam
Beware old customer or new customer: Bank of america is doing what is called a research fee which charges you 20.00 an hour. I just opened an account with boa which should not be there name they do not represent america. Anyways I put in my payroll check which is from a huge and well known company. I took out half my check than 3 days later I got a decline...
Read full review of Bank of America and 13 commentsbad service
Countrywide Home Loan's Full Spectrum Lending division is a disgrace to an increasingly disgusting mortgage business.
Last April, my wife and I decided to refinance our home. So, we made a few calls and settled on Countrywide's Full Spectrum Lending because we liked the agent we dealt with. His name was John Donaghue, and he suggested getting an interest only loan because we were only staying in our house another year or two and we wouldn't be paying off much principal balance anyway. This way we could save more money. I checked into it, and he was right - the money we could save by paying off an interest only payment was dramatically higher than the money we could save paying off a 30-year fixed.
So, we went with it. John Donaghue was able to lower our monthly payment by an astonishing $500 a month! We were so happy! So, we signed the paper work.
Imagine my surprise four months later when we looked at our principal balance and it was FOUR THOUSAND DOLLARS MORE than what it was after refinancing.
Now, I admit, we did not thoroughly examine the contracts. And that is a mistake we will NEVER make again. Because if we had thoroughly read the contract, we would have seen that the reason our payment was so low was because John Donaghue roped us into a negative amoritization loan. Which basically means that we pay only PARTIAL interest and the rest of the interest is getting added to our principal balance every month.
So, we were saving $500 a month in payments, but $600 a month was being added to our principal balance! I admit, we should have picked that up when signing the contract, but shouldn't Mr. Donaghue have TOLD US THAT WHEN HE WAS TELLING US ABOUT THE DAMN CONTRACT?!?!?!? What kind of company allows their sales force to do that kind of crap?
So, we had to refinance again. We're back to where we started and have had to pay closing costs twice in the past year. Not good times.
I wish the story ended there. But, on Christmas Eve we found out that our new mortgage company (Allied Home Mortgage) had sold our mortgage to another firm. Take a wild guess who they sold it to!
You guessed it - COUNTRYWIDE!
So, now we're dealing with this deceitful company again and we have no recourse, but to bend over and take it from them. (Not unless we want to refinance yet again)
To make a long story short, Countrywide Home Loans and Full Spectrum Lending are two companies that you should avoid at all costs.
The complaint has been investigated and resolved to the customer’s satisfaction.
unauthorized debit
Bank of America uses incorrect dates for transactions. Here is the scenerio...on the evening of August 14 I went to bed, knowing that my paycheck from work would be direct deposited at midnight on August 15th. I told my husband that if he was up later that he could go ahead and pay our cell phone bill online when he saw that my paycheck was direct deposited. He kept checking the online account to see when my paycheck was deposited. He finally saw it deposited into my account at 1:45am (Eastern Time). So he then pays our cell phone bill right after he saw that my paycheck had been credited to my account. Well the following day, the 16th of August I noticed an overdraft fee of 35.00. I immediately called the bank to find out why this incorrect fee was posted to my account. The customer service person said that I payed my cell phone bill on the 14th, BEFORE my paycheck was deposited. I told him that my husband stayed up and payed it at 1:45 am right after he saw my paycheck was deposited. I even offered to prove it by taking my cell phone statement into a Bank of America branch to prove that the bill was paid online on the 15th. The customer service rep told me that this would only prove when my cell phone company RECEIVED the payment. He just kept saying over and over that the debit was made on the 14th when in fact it was made on the 15th. I have given up trying to get them to credit the fee back to my account after four emails to customer service and just canned responses received in response to my emails. If anyone is starting a class action lawsuit then I am in!
The complaint has been investigated and resolved to the customer’s satisfaction.
overdraft fees
How is it that Bank of America can charge overdraft fees to my account when I have not overdrafted? They have charged me 9 overdraft fees this month and not once was I overdrafted.I was in the negative however when they took the first 5 overdrafts out.they credited me back only 4 of those witch was 140.00. the next day they charged me 3 more 105.00 they did...
Read full review of Bank of America and 59 commentsillegal/unethical practices, predatory lending
First, let me say that Countrywide's criminal and unethical practices need to be stopped and all of us that have mortgages with them need to be compensated for damages. We also, have been financially damaged by them. To name a few, they did a classic bait and switch to our refinance loan; we were promised in writing a credit come back loan, yet we found out...
Read full review of Bank of America and 5 commentsFraud Dept.
The fraud dept. at FIA Card Services aka Bank Of America is crazy. They closed an account over a year and a half ago due to fraudulent activity and opened me a new account. They said all the fraud charges were taken care of and I signed an affidavit. The newer account was closed in Nov 2007 due to divorce and was paid in full in the settlement. In Feb. 2008 I received a statement for $218 owed due to charges that had been found on the original account. It was from a Best Western in Europe and I have never even been to Europe. I have signed affidavits, talked on the phone for hours (mostly to people with an accent from another country) only to be told the issue is resolved then a month later the nightmare comes back in the mail. Today I faxed them 15 pages of items i had received, filled out, etc... from them. I sent it 2 times and sent the affidavit 5 times plus I am mailing it. This has been one of the worse experiences ever! They are sooooo screwed up. I wish I had never heard of them! Beware, stay away, close your account while you can!
My family has been a victom of Idenity theft! Two diffrent accounts were opened up in mine and my husbands names. We followed all the protacals to resolve this problem and FIA services denied our claim saying we profited form it. The person's investagating our complaints has NEVER EVER talked to me or my husband! My husband is a Chief ADA and has been for 27 years and if they are doing this to us, then they will do it to ANYONE! My husband is the LAW and these people WILL NOT CALL US BACK TO EXPLAIN IN DETAIL WHY WE WERE DENIED! We got a letter and I've called my husband has called and nothing! Then yesterday I opened my mail-box and there was the BILL man I was pissed and then on top of that the interest rate was 27%!
It'll be a COLD DAY IN HELL BEFORE WE'LL PAY!
late fees
I paid my credit card bill on saturday the 2nd. It was due on sunday the 3rd. I got hit with a late fee which then put me over the limit and and then the over the limit fee kicked in. That cost a total of 70.00 dollars for a bill that was paid on time. This is a pretty nice scam they have going here. Payments made on a weekend don't count but billing is ok...
Read full review of Bank of America and 11 commentsMoney being held hostage
I have had a Savingslink savings account with Countrywide Bank for two years. Bank of America has now taken over since purchasing Countrywide. For most of this time, the money just sat there earning a decent interest rate.
Recently, I have found better deals and decided to withdraw my money. Since this is a virtual bank, one way to do so is to link this account to an existing checking account at a bricks and mortar bank. I set up the link to my Wamu account and confirmed the small test deposits in my Wamu account. I even tried transferring a small amount first to confirm everything is working fine.
I decided to withdraw the bulk of my funds and initiated the transfer all according to the bank’s rules. One screen even confirmed that my transfer was within the daily maximum limit allowed.
Couple of days later, I received an email stating my transfer was declined and my transfer ability was suspended. I should contact customer service for more assistance.
Knowing that there is no documentation of a phone call, I like to test their customer service by email. I logged into my account and sent them a pointed inquiry as to why they had taken this action of declining my transfer and revoking my transfer ability.
I received a response two days later. The response was rather cryptic and did not answer both of my questions. Their response was “when this happens, transfer is suspended.” I sent them another email asking why “this happens, ” referring to the declined transfer. I am waiting for a response.
One of the phone numbers left in the email is to their Loss Prevention department. Undoubtedly, they believe I am a thief who has stolen my account access information and am trying to steal my money. When I transferred the smaller amount, they apparently didn’t care about a ‘thief’ taking that little amount.
In actuality, I believe this is their way of preventing large sums of deposits from leaving the bank. They will just say that they trying to prevent theft. They don’t care about inconveniencing their customers. They don’t want their customers to get access to their money. They only care about their own needs. As far as I am concerned, my money is being held hostage until I can prove I am not a thief.
My whole purpose with electronic banking is for convenience and funds accessibility. Their policies are contrary to my purpose even though they appear to provide the means to serve my purpose.
They took my money
Well like other people, this company its nothing but lies! They took $415 from my credit card they tell me that with that money i was going to lock teh rate .etc etc... I tell the them that if in case i didn't get approve would they refund my money and they tell me YES! Well they didn't approve my loan and guess what; now either Sergio Lopez or his manager Will Cervantes have give me a call.
PLEASE BE CAREFUL WHEN YOU DEAL WITH THIS COMPANY. If someone knows what can i do, i really appreciate if you can send me an email.
I have a mortgage with Countrywide. I always pay my mortgage on time before the 16th of the month grace period. In November I paid my mortgage online 3 days before the 16th and was charged $6.00. I wrote to them and received no reply. In December I paid my mortgage 5 days before the 16th and was charged $3 extra. I wrote to them again and their excuse was that I choose to pay online and that because I choose to pay online I will be charged these fees. I am paid bi-weekly and for that reason cannot always pay by the 1st. I have called them to pay by phone and there is a significant fee for that. If i pay by snail mail the payment would probably be late and I would be charged a late fee. The internet is the only way for me. I feel this is very unfair and would like other people to know this before doing businesswith them. It is a small fee but does add up over time. In this time of financial hardship for alot of people, it's too bad that banks choose to gouge people
advertising fraud
This is now the fifth company I have listed my timeshare with and been scammed. I know, why did I do it again. I was contacted on 5/20/08 by a man named Frank Johnson who told me he had a overseas buyer for my Bonnet Creek timeshare that was generated from test offer ad that had been placed in Nov 2007 by a Jason Rivera. The offer was for $52, 360. They told me I needed to pay them a fee to actually get me into their system so the sale could go through. I asked tons of questions about the buyer, I wanted proof that there really was a sale in progress. I asked to speak with Franks supervisor and I got Richard Burton who again assured me that everything was ggod to go. I refused to verify the first time with Maria Rayes and thats when I got the call from the "manager" Brian Cole who once again assured me and convinced me to give them my money for the "for sure" sale. They said it would take 2-4 weeks and that the money I was paying them would cover the closing costs and the broker fee. I would not have any more out of pocket costs. I have been calling every 2 weeks since May and for a while I could get ahold of one of these people. Then they referred me to a Dave Falzone who said they had title work completed and that they were just waiting for the buyer to send paperwork. He said I should call back in 2 weeks if I didn't receive the paperwork. I started calling back on Monday [protected] and would get a receptionist that would transfer me to an operator. I called 2 times every day since and would get the same answer - They are not in yet, they have gone home for the day(mind you this was at 11a.m. in the morning, they would have someone call me.
Up until this week I still had faith (like an idiot) that the sale would really go through. I know I just wanted and needed it to go through. Today [protected] is when I actually got on line and started to read the familiar stories. I want these people stopped!
I want my money back!
they called me saying that they had a buyer for my timeshare in orlando, fl. they kept bumping the price up untill i could not say no.they ask me to fax them a sales type agreement and my credit card number for closing costs. they were to send me a cashiers check for 30, 000. after two weeks and a couple of phone calls i could no longer reach anybody but the secretary. i fould a 1, 500 charge on my card and they claimed that it was for advertiseing. unless you have money too throw away, stay away from them.
Charles..Keep fighting this SCAM company. You are not the first and will not be the last. Keep writing every complaint site and get the word out so everyone knows about this scam they have going. I still get calls thanking me about my warnings about this company. I have to keep getting back here more often to warn people. I feel bad you got scammed I wish you came across my warnings before the scammed you. Good luck with your fight. Lance Bachelder...floydpink1037@mail.com
$30,000 lost because of bank of america
On 07/08/08 I went to the bank of America for wire transfer to Turkey. The amount was $30, 000. Jill Townsend did the transfer in Turkish currency without asking me how I wanted to transfer the money. I wanted to transfer the money in dollar currency AND gave her dollar account number in Turkish Bank. Money was transferred to turkish bank in Turkish...
Read full review of Bank of America and 2 commentsunauthorized draft
FIA Cardservices (Bank of America) offered me a settlement agreement for my past due credit account, but failed to mention that in order to secure this agreement they would be autodrafting a payment. I made my monthly payment as instructed and 2 weeks later, they tried to take more money out of my account. (They had my banking information from when I setup a draft months prior.) The payment cleared, so I had at that point made 2 payments for the month, and this created a chain reaction of bouncing in my account ending up in fees over $600+. The account rep agreed that I should not have been set up on a draft, and that I had not been properly informed. So she put in a request for a refund to my bank account. I was eventually told that I could not get any reimbursement for their abuse of my banking information, basically because of the settlement - since they were giving me a break, I wasn't entitled to any money back. If they did process the refund, it would cancel my settlement. That was the last thing I heard. Then today, I see that they went ahead and gave me a partial refund. When I call in to find out why I received a refund at all, when I was just told that I could not - the manager then tells me that they processed the refund but now they have canceled my settlement! These reps are NOT TRAINED TO UNDERSTAND WHAT THEY ARE OFFERING TO CONSUMERS. The first rep that offered me a settlement, DID NOT TELL ME that every single settlement agreement MUST have be paid with autodraft. Then the next rep that is "helping" me did not tell me that a refund to my account would result in cancellation of the settlement. How the hell am I supposed to make decisions to remedy this account, when these people do not know how to do their job and do not provide accurate information?
I have been told that they will offer me another settlement later this week... I guess that is their way of making up for their series of effing my account up! We shall see.
over draft charges
When you do an over draft Bank of American will reshuffle all the amount for the last 3 days by largest to the smallest, not by date. Then this will empty your acount quicker. I got 5 $35 overdraft charges all of the items were done the day before I the one I should have been charged for. On of them was $35 on a $2.00 charge.
Yesterday we were notified online that we were in an overdraft status. We immedately add enough cash to cancel charges. Last night a direct deposit was added, giving us an even greated balance. Everything was fine this morning and a couple more items were added with no problems.
After 2 pm we were notifies that we were again iin over draft status. The strange part is items appearing yesterday as pending and having already beed deducted from our account. suddenly reappears today as beiing deducted from our accound again. We tried to point this out to the bank rep. that they have deducted the same charges times 2. all she can tell me is that there's nothing she can do and that the charges will stay in place. So now not only am I complaining here but we are also changing banks. We've been with Bank of America for 20 years and often have found and reported these same practices before. It is my belief that over those 20 years they have probably erroneously taken several thousands of dollars from us.
I'm a retired nurse trying to live on SS and this bank wants to eat me alive. I may be small time to them but their not the only bank in town.
A few years ago they had to pay a large fine but it was small potatoes to us. And now it appears that their doing the same thing again. An ybody want to start a classaction suit, lol.
We know the problems with Worse-Than-Nigerian-### Bank - who uses the con name America (but has absolutely nothing to do with America). These are international ###. Now it is time for solutions.
There is, in fact, one highly effective way to PINCH THE HEAD OFF BOA once and for all: summon the power of the greatest enemy to BOA.
-------------------------------------------------------------------------------
For all of us who are sick of Bank of America's fraudulent practices:
Step One:
Apply for a job via their website or local branch. They want your money, so they should give you a job so you can pay them. But wait there is a catch. That is - they will turn you down (especially if you are white or male or over 40 or straight or a non-drug user). Of course, your application will end up in the batch where they will discover that you do not meet their "profile" of a ghetto employee.
Step Two:
Make sure they send you a denial letter and don't just ignore you.
Step Three
Once they turn you down, lodge a complaint against them at your local EEOC office.
Step Four
BOA cannot evade and also employees cannot lie to a federal investigator. (It is a crime to lie to a federal investigator.)
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I mean good grief, they want to grab everyone's money, but yet so many people cannot find jobs these days. It's not like they would hire any of these people they rip off - people who are hard working and intelligent.
Let's all send off an avalanche of EEOC complaints (instead of a class action suit based on their fraudulent business practices.) BOA can fight class action lawsuits with their armies of lawyers. Instead, let's point out their lack of any moral value or redeeming qualities in our society. (In the old days when you owed money you could at least work off the debt or negotiate to get out from under it. But BOA wants to hold you down as a servant to them. They know everyone is struggling right now and they are always one step ahead in accounting tricks and deceptions.)
Once you launch an EEOC complaint, instead of evading your consumer complaints based on their illegal (or at least immoral business practices), BOA management would HAVE TO answer to the EEOC. BOA would have a certain amount of time to respond. (The EEOC is the most mortal enemy that any business can have.)
Many of victims should consider this. The very people who cannot get jobs or pay their bills are the ones that BOA rips off the worst.
Think about it, they want your money and proceeds from fees but yet they won't hire you? It's time to put Bank of America (a con-job name for Ghetto Bank International) out of business FOR GOOD.
Five years ago I closed my B of A checking account. I opened one with Wells Fargo. Three months later, I was notified by Wells Fargo that my account was to be closed due to the fact that B of A took action against me for having unpaid overdraft charges. This action made it illegal for me to have any banking in California so I had to go out-of-state and open an account with a Federal Credit Union that my family members belong to. I am a disable person and this has been an extremely hardship on me. How could I have been allowed to close my account without B of A (at that point) withholding any fees, overdrafts that existed on my account? I went back and checked my bank statements and discovered that I did not have any outstanding fees or overdrafts on my B of A account when I closed it. Now I am being hassled by collection agencies for the amount of 133.00 dollars (B of A claimed my overdraft was 30 dollars). Can I fight this? Is this illegal for B of A to place an overdraft on my account after I closed it?
OMG! i just switched banks from them! they did the exact thing to me. just because they think they're this big well known bank they think they can do anything. I know they'll get sue'd one day.
I have had SO MNAY over drafts from them that I do not know about and all were never legit. I started to evaluate and analyze why and how since they have the WORST customer service in the world. I have been hung up on. they supposedly do not track who you last spoke with or clicked into your accoutn...WHICH IS HORRIBLE BECAUSE THEY CAN TAKE YOUR MONEY WITHOUT KNOWING WHO DID IT! i have been through HELL with BofA. I have had them say they'll reimburst my over draft fees and they did...BUT the next day they disappeared and caused MORE OVER DRAFTS FOR ME! i cale din adn all they said was they donn't know who did it and on their records the last time i called was 9 months ago! BS! i have to call in every effing month because they suck! URRRGH! i'm so pissed thinking about how horrible and shady they are.
my sisters friends works for the corporate now and she told me: over drafts are how they make money. when a transaction is pending to be taken out and you have a deposit. ALL transactions being deducted are done first...THEN ALL deposits go in last! WTF HUH? even if i deposited my check at 8:00am and wentr to lunch at noon that day...my money for my lunch is taken out first before they allow my deposit! FREAK! i'm so annoyed at BofA! i am so ready to take them DOWN!
BANK OF AMERICA SUCKS!
Here's the funny thing about all of you defending BOA!...You keep saying "Don't verdraft if you don't want fees.." HELLO?!?! We don't all intend to overdraft. I will repeat the above statement...THEY RUN THE WITHDRAWLS FROM HIGHEST TO LOWEST REGARDLESS OF THE TIME YOU MAKE THEM! I was unawar of this policy for a while and didn't figure it out until I actually overdrafted.
READ THIS FROM TOP TO BOTTOM AS IF THIS IS THE ORDER BY TIME OF HOW YOU SPENT YOUR MONEY IN A GIVEN DAY:
THIS IS YOU:
Lets say you have $100
You spend $11
You now have $89
You spend $60
You now have $29
You then deposit $50 you found in an old coat pocket
You now have $79
You spend $30
You have $49 left, and you are close to nothing, but ok with a balance...or so you thought...
THIS IS HOW BOA PROCESSES YOUR DAY:
BOA:
They start you with $100
They take away $60
You ahve $40 now
They take away $30
You have $10 now
They take away $11
Now you are -1.00
They deposit your $50 after the withdrawls
You are finally $49 positive...JUST KIDDING!
Now they throw on their $29.00 OD fee from the $1.00...three days later! and bring you down to $29. Now imagine all of this happening in one day while you are at work and you in your head think you have $49 and spend $30 on your way home...whoops, bounced again!
Imagine thinking like "YOU" but thinking that way for a whole weekend and imagine that total about $1200 before Rent, Car payments, insurance, gas, groceries, phone bills, etc...
NOW DO YOU SEE HOW PEOPLE UN-INTENTIONALLY OVERDRAFT?! It is not fair for banks to run your charges through by order from high to low to maximize their profits when you made your deposit before spending the rest of the money and deposited cash! The middle and working class are the victims. The people that barely get by are trapped and the ones that have lots of money, profit with interest which is paid for by our overdraft fees.
MY ADVICE:
SWITCH TO ANOTHER BANK or:
Stop using your debit cards! ATM's LIE! Cash can't lie!(unless it's fake)
Bank of America did the same to me..I checked my online balance and the balance at the ATM . I should have only been charged $35.00, instead they charged me $35.00 x 3. The 2 checks had already cleared my account according to the online statement and the atm...huge ripoff
Yes, they do use this practice. You may want to be aware because many banks are now moving towards this practice. It is in the terms of the account.
However, keep in mind that you can always avoid this by not over-drafting your account.
money fraud
Will someone please contact me if there is a class action lawsuit filed against Bank of America for the way they handle their online banking and overdraft fees? I have an attorney in the family and I am having him check in on it and see if I have a case. Its not so much that I get charged overdraft fees for going over my account balance when using my Visa check card. If I go over and get charged a fee, I deserve it. Its that BOA's online banking is designed so that you are FORCED into overdraft fees. Let me explain what happens and if you are a lawyer, please contact me because I want to sue this institution on behalf of EVERYONE LIKE ME THAT GOT RIPPED OFF.
Example: Lets say you don't have $10000 in your account at all times. If you did, there wouldn't be a problem. The problem arises when, like me and every hard working American who because of the economy or other situations, is forced to live paycheck to paycheck. Lets say are coming to the end of the week and you only have $10 left in your account. You get gas and you accidentally pump $11 in gas. You do not get paid for another two days so your account online is shown in red (negative). You borrow money from a friend to cover the charge. Its past the cutoff time at the ATM, but to make amends you deposit $11 in your account to cover the overdraft. You check your account online and it shows you have a positive balance of $10. You wake the next morning and your account is still positive so you figure you got the money in on time. Wrong! You got the money in past the cut-off time, so the money will not post until the end of business the next day, but the online banking shows a positive balance. You therefore decide that you still have $10 and so you use your card to make purchases. Lets say you make 4 purchases for $2 each and 1 purchase for $1.99. You check your account that afternoon (the day after you overdrafted and made the deposit) and your account shows a balance of 1 cent. You go home figuring you are OK, but instead you get screwed by BOA. That afternoon after the cut-off time, they charge you the $35 fee for the original overdraft. Being they use the 'largest transaction first' this fee gets placed for posting first and your 5 charges (worth $9.99) get placed in order of amount after that. Therefore your balance shows you being in the red for $44.98. Worse yet, now the five transactions you made will get overdraft fees if you don't deposit another $44.98 in your account by the cutoff time. The problem lies in that in most circumstances they post the $35 AFTER it is too late to make a deposit to cover the overdraft, therefore you are caught in a vicious circle of overdraft fees which unless you deposit a huge amount in the bank you cannot get out of.
I have spent well over $4000 in fees this year ALREADY and its only July. I have finally decided to drop the BOA account and get one elsewhere. I should have done it MUCH sooner. I should also have kept a written register of my transactions, but BOA made me feel as if their online banking was excellent.
If there is an attorney out there willing to take my case, please contact me as I will certainly jump on board and I am sure there are PLENTY of people out there like me, that has plenty of evidence to prove my case.
Moral of the story is STAY AWAY FROM BANK OF AMERICA.
The complaint has been investigated and resolved to the customer’s satisfaction.
After catching BoA stealing money from my father's account I took a personal interest.
My findings: yes, they STOLE THE MONEY!
Point of interest regarding character - BoA corporate policy regarding "this call may be recorded..." - Only THEY may record the call. Not you!
If BoA dares to contest this, they may contact me at any time
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BANK OF AMERICA (simeon_2010_m@yahoo.com)Add to contacts 04-10-2012
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BANK OF AMERICA
External Review Committee on Debt Statistics
And fund audit Balance Debt
IMF-World Bank Collaboration 2195 SW 8TH ST
MIAMI, FL 33135
UNITED STATE OF AMERICA.
E-MAIL us.departmentofjustice@yahoo.com
DATE OF EMAIL 04/10/2012
OUR BRANCH IN BENIN
CALL AT +[protected]
DEAR;BENEFICIARY
WE RECEIVED YOUR MESSAGE CONCERNING THE WIRE TRANSFER OF YOUR FUND DEPOSITED IN THIS BANK US($2.7m USD) YOU WILL BE REQUIRED TO RECONFIRM YOUR BANKING DETAILS TO US AS LISTED BELOW TO THIS BANK BEFORE WE CAN PROCESS WITH THE TRANSFER AS SOON AS WE RECEIVE OUR TRANSFER CHARGES TOO.
HERE IS THE NEEDED INFORMATION TO TRANSFER YOUR FUND INTO YOUR DESTINATED ACCOUNT WITHOUT ANY DELAY IMMEDIATELY THIS BANK CONFIRM THE ACTIVATING OF NEW ACCOUNT FEE TODAY. URGENT RESPOND FROM BANK OF AMERICA TO ENABLE US COMPLETE THE TRANSFER OF YOUR FUNDS TOMORROW AFTERNOON IMMEDIATELY YOU COMPLY WITH OUR TRANSFER CHARGES COST.
1.BENEFICIARY FULL NAME========
2.YOU BANK NAME ==============
3.YOUR BANK ADDRESS===========
4. BANK ROUTING NUMBER==========
5. BANK ACCOUNT NUMBER===========
WE ARE WAITING FOR YOU TO VERIFY THE ABOVE INFORMATION IMMEDIATELY SO THAT THE TRANSACTION WILL BE PROCESSING. AND ALSO THIS BANK WILL DIRECT YOU ON HOW TO SEND THE ACTIVTING FEE SO THAT WE CAN TRANSFER YOUR FUND INTO YOUR ACCOUNT IMMEDIATELY YOU HAVE ACCOUNT WITH THIS BANK.
USE THIS INFO BELOW TO SEND THE FEE TODAY VIA WESTERN UNION OR MONEY GRAM AS IT WILL BE CHEAPER AND FASTER TO ENABLE THIS BANK PROCCED AHEAD AND ACTIVATE FEE WHICH IS $98.00 USD, THE NEW ACCOUNT OVER HERE THAT WILL BE USE TO TRANSFER YOUR FUND TO YOUR DESTINATED ACCOUNT THERE IN YOUR COUNTRY.
SEND THE FEE TO OUR HEAD OFFICE IN BENIN REPUBLIC WITH THE BELOW INFORMATION
BENEFICIARY NAME... EZECHUKWU KENNETH
COUNTRY...BENIN REPUBLIC
CITY...COTONOU
TEXT QUESTION...WHO MADE HEAVEN?
ANSWER...GOD
AMOUNT...$98.00 USD.
IMMEDIATELY YOU SEND THE MONEY REMEMBER TO SEND THE PAYMENT INFORMATION TO THIS BANK TO AVOID ANY AFFICATION IN RECEIVING THE FEE OVER THERE IN OUR BRANCH OFFICE IN BENIN, PEACE IN JESUS NAME.
BEST REGARDS
DR.AINSWORTH SMITH
INTERNATIONAL MANAGER
BANK OF AMERICA
External Review Committee on Debt Statistics
And fund audit Balance Debt
IMF-World Bank Collaboration 2195 SW 8TH ST
MIAMI, FL 33135
UNITED STATE OF AMERICA
Bank of America's online screen shows that my 2 checks were posted in my account on August 15th, but it did not show on the screen until August 16th. I have deposited a check to cover this amount on August 15th; However, Bank of America still charged me $35.00 of over draft fee twice and additional $35.00 check returned fee. This is criminal acted by Bank of America. In total, including other similar incidents, Bank of America charged me approx. $315.00 of their fees. Bank of America charged their 'over draft fee' and/or 'check returned fee' on the same date I have deposited a check to cover this amount. Bank of America post our account activity (from largest to smallest) in the certain way, so that they can charge us their fees. If there is a class action against Bank of America, please count me in. My email address is: aya1221@hotmail.com. Thank you.
I had 3 credit card accounts with Bank of America for several years and I authorized them to withdraw payments from my checking account before due date. The accounts were never late however a few months ago they lowered my credit limit to what was due on the accounts maxing out the accounts with no reason why. I exhausted every means to get their decision reversed to no avail. My credit report reflected VERY GOOD. I then applied for a credit card with another company and was approved for $10, 000.00 at 7.4 percent. This shows just how customer oriented Bank of America really are. It appears that they have a bunch of uneducated idiot's making decisions.
I am paying off the accounts and NEVER do business with them again even if they were the only bank in existence and I advise others to do like wise because they are scam artist, and will rip you off .
My only alternative is to report their action to the BBB, Consumers Affair and the Attorney Generals office with full details of past and present.
BofA is horrible. I'm researching other banking institutions to find the correct replacement. BofA has horrible customer service. I'd estimate they were rude and unprofessional with me or my husband 1 of every 3 contacts. This is either in person or on the phone. They also have an unreliable automatic payment service online. Every couple of months or so, one of the automated payments I have set up will just disappear. I find out when I do my monthly reconciliation. I now have to do my reconciliation every week. They have also never gotten it right for both my husband and I to see bill pay transaction schedules. If I set up a monthly automated payment for the electric bill from our joint account, my husband can see the transaction logged in the account but can never go into the actual scheduled transaction to modify it. Pretty silly considering that the technology is there to do this. I'm going to have a celebration dinner when I finally get rid of them.
Please help Please help Please help
Where can we file a complaint about Direct T.V who is running a big scam to consumers, a cheating flyer with 29.99 flat fee a month every medias right now.?
Thank you,
Kent phh
[protected]
student6991@yahoo.com
B of A is ripping people off, they ...and I say they offered us a loan mod took $400 out of my account then made bogus docs, and denied our loan! I have perfect credit . and I cant get my $ back
Something not being said? My father spent that time in an alzheimers unit till he finally passed away. With a known balance on a 3.5% simple interest loan, the math said that the loan should have been satisfied this year.
Knowing that my part of the agreement was being upheld, I did not have reason to be suspicious until I found out the truth.
I personally wrote a check, 5 years ago, to bring the home out of foreclosure and bring all balances up to date. This was coordinated with BoA. All fees and penalties were satisfied and I have been paying the agreed upon monthly payment all this time even though BoA has never agreed to send me account balances.
I dealt in good faith and trusted that an established bank would uphold their agreement.
The lawyer I originally contracted to bring the home out of foreclosure and have BoA set up the repayment of the debt for the past 5 years is looking into why ALL the payments went to fees and penalties when it was paid exactly as requested.
He claims to be up against a brick wall because I did not establish 'executor' status and so they have no obligation to explain the missing money.
Being out of state, BoA knows the burden and is taking advantage of it. From reading other people's experiences with them I am sure that this is their true culture.
scam charges
I opened a checking and savings account with Bank of America in 2005.I had direct deposit of my pension checks from VA and SSDI.In May of 2006 I received a check of $3.800 usd from England stating that I had won a lottery in England. I researched on line and the Bank existed, the account existed and the Lottery Service had a working number.I have been playing the German, Spanish, Phillipine, Austrailian and English lotteries on line for two years.
I took the check for three thousand eight hundred dollars to the manager of the Bank of America. I explained the details to him along with his teller and he deposit the check in my account would be ok. I made the mistake over the next two or three weeks of paying my bills, using my bank account in a normal fashion.
The check was returned to BOA from England. The risk department took $1135.00 out of my checking account and closed my checking account, reported my name to Chex Systems for a negative balance of -$2, 723.00 and did not pay the three checks that I had written without any knowledge of the closure of my account.
Ms Hilda Storts of the Risk Department of BoA stated that I should be mad at the issuer of the check not Bank of America. She also stated that I had deliberately withdrew my money over the weekend in order to 'beat the Bank of America out of their money?' When I pointed out to her that had I wanted to do so I could have closed my account and taken all of my funds away in the four weeks that it took for the check to be returned, she hung up on me.
I went to four or five different banks to open a checking account for my direct deposits and all of the banks ran a check of this Chex Systems found this item of dispute between me and BoA and said'No' I ended up using an online loadable MasterCard as a 'Bank' for my checking account.
There is more... I will send another report tomorrow night.
The complaint has been investigated and resolved to the customer’s satisfaction.
In late December of 2008, my car payment which is made each month to Bank of America was due. Due to time constraints and such, I chose to make my payment over the phone using my debit card from my personal bank. The payment was for $299.88. This was a fully automated transaction using voice recognition. (I hate that.) Anyway, I made the payment and figured that was that. On Saturday, January 3rd, I received an insufficient funds notice in the mail from my bank. It was for a debit card transaction for the amount of $2999.88-$2700.00 over what I had stated in the phone transaction. Needless to say, I incurred a hefty overdraft fee from my bank, and since there wasn't enough money in my measly account, I also have a large late fee from Bank of America.
I marched down to BOA, who I am now referring to as 'Bevy of ###s', and explained the situation to them. After a ridiculous period of time delineating the chain of events to a rather vapid looking customer service person, I seem to be no further ahead. It seems to have become even more convoluted and incomprehensible. They now say a check was written for the payment of December and it too was invalid due to insufficient funds. No check was ever written for December, which is why I made the damn phone payment. I am now worried that they didn't process November's check payment until they overdrew me for the phone payment MISTAKE, setting me up for yet another late fee, and another ISF charge.
What in the hell are these people playing at? Its evil petty nonsense, that we all could do well without. I am still in the process of untangling the nasty mess-which is taking up time I can ill afford, as well as tromping on my serenity and messing with my head. Bxxxxxxxs!
I noticed an over draft charge of $35.00 on my checking account with Bank Of America. I didn't show any overdrafts so I called to inquire about the charge. The customer service rep told me that I had a charge on 5/13/09 and that I didn't have the full amount in my account, however the charge posted on my account on 5/15/09 which the money was available. The representative states that they have change how charges are posted. I told her that I do not understand because there is no overdrafts shown on my account and I was not told of any changes and asked if the $35.00 charged could be waived. I was told no it couldn't because it was a valid charge, even though I don't think it is. I asked to speak with a manager and was told that she is a manager and that was it and then she hung up before I could say anything.
Bank of America is by far the most crooked bank I have ever dealt with. I opened an account to take advantage of the Keep the Change program they offer. It was the biggest mistake I could've made. First they have a system in place that is so deceptive. I was never really ever technically overdrawn.
However the way they have everything set up they first recharge every authorization before posting the ones that have cleared. They of course go by the highest amount first and they even charge overdraft if they cant transfer money for the keep the change program. I was charged numerous $35 fees for them to transfer pennies from one account to another.
I never went into the negative at all. I also had a savings account with them along with two checking accounts and there was enough money in all of them to cover any charges. It all came down to using their debit card.
It's all predatory and deceptive practices and after reading other people going through the same thing I took action. I filed a small claims suit against them for $2956.00.
I would have thought this would get their attention. I was contacted by a rep from their legal department. She tells me she is going to research it and get back to me. Well she never did. I showed up to court and they didnt and they were properly notified.
The judge couldn't believe a bank could charge that much in fees until I showed her my statements. One month the total alone was $1100. Well once I got my judgement I tried to contact their legal department and you cant. They dont give out that number if you call any branch or toll free customer service number.
Well today again fed up with everything I searched again and came across the CEO's executive customer relations number 704... The women was friendly which was suprising and she took down my info and said an investigator would call me once they researched it. Well not even 20 minutes after that call I get a call from the same women from the legal department in Tampa.
She said she was finally done with her research and wanted to talk to me about settling the case. I told her I already got a judgement I want paid. She argued and said they would fight it. I said go ahead and asked why no one showed up and why so late calling me back. She didnt have an answer. I even agreed to settle for $500 less and she said no they are going to fight it.
Well I live in Ohio and any corporation would have to hire a lawyer to represent them. I am calling her bluff. They are not going to pay a lawyer to fight when they dont have a chance to win but thats what she told me.
So furious with the phone call afterwards I immediately went online and filed a complaint with the Attorney Generals office, the Federal Reserve Consumer Help Dept, and the Comptroller of the Currency Administrator of National Banks. I wish I was an attorney I would get a class action suit against them.
I now plan on enforcing my judgement which means that any assets owned in the State of Ohio by Bank of America is subject to seizure and garnishment. They have 15 days to respond before they have to again appear in court for a hearing. I am kinda excited that I fought back and I would suggest anyone else do the same. It cost me $49 to file the suit and whether I collect or not I know I didn't just bend over and take it.
Bank of america is not a bank that looks out for the consumers best interest. They will find any way that they can to take money out of your account without permission and any notification. I opened my account over 4 years ago with Bank of ameica. They never onced charged me a monthly maintenance fee. All of the sudden they decided to start charging me a fee for the 1st to months they charged me $5.95. This month they decided that they needed more money and raised the fee to $8.95 per month. I was not notifed in any way that one- they were going to charge me a fee and two- that once they started charging me a fee that they were going to increase the amount that they were charging. I will be closing this account and I suggest that if you want to work with a ETHICAL BANK, DON'T BANK WITH BANK OF AMERICA!
After four months and countless phone calls and emails to cancel an unauthorized charge; Bank of America still keeps mistakenly drafting $15 dollars from my business account!
It started out of the blue in April I notice a strange charge on my account for “Online Business Suite Account Management Services”, a charge I did not authorize. I spent 45 minutes on the phone with BOA and finally got a representative to remove the charge and then they had the gall to try and sell me more services I didn’t want. They said the will remove the unauthorized subscription to the “Online Business Suite Account Management Services” and credit my account for the $15. They said I will not be charged for it in the future. The next month (May) rolled around and it happened again! Same thing, spent an hour plus sending emails and calling just to get them to remove this charge and service from my account. June came, same thing again, this time I demanded through emails that they get this problem in front of a manager, because I didn’t want to have this happen every month. I sent about 8 emails total, each time they sent a form letter back and each time I asked if they even read the emails. Every reply keep saying they credited me for the $15 charge and that we were removed from that service. Each time I said this keeps happening and I don’t want to keep going through this, that this was the 3rd month in a row and it keeps happening and to please explain how they will make sure this does not happen again and to get this email to a manager. It was to deaf ears! It happened again this month of July!
I’m so feed up with this and Bank of America could care less! It seems like a scam! Automatically enrolling someone over and over again as if they hope unaware victims will let it slide so Bank of America can make some extra money! I know first hand and my friends do to, how Bank of America is so greedy. BOA orders the largest to the smallest charges on an account when an overdraft happens with in the same day so BOA unfairly makes a lot more money on fees. My friend was only around $10 short one day, but since BOA unfairly stacks the cards against their customers he was charged $175 for 5 overdrafts! If they ordered it from the smallest charge to the largest only the largest charge would have been over-drafted and he would only have had one single $35 fee! I won’t even get started to BOA’s “keep the change” scam like program. It’s the greed of large financial corporations that has gotten this world into this huge financial crisis. When are they going to learn that it’s unhealthy to treat their customers the way they do? Only when large corporations don’t have the power of a monopoly and we have more choices! The customers and citizens loose while the CEOs win! Too big to fail? NO, too big fails!
The so-called " overdraft protection " of this bank has been robbing people legally. I have been a victim this. I open a keep the change savings together with my checking account so they automatically debits my account every time made a purchase.
I got a negative balance of $2.54 due to keep the change savings and since i'm enrolled in online banking, i just transfer the negative amount. And then they still charge me an overdraft protection fee of $35.00. I tell you this is robbing a common citizen openly, and the law is letting them.
Why would you deposit a check into your account that you were not entitled to? Obviously it was a scam because you had not entered any lottery. So you took a chance and put the check into your account thinking that the bank wouldn't catch on. You deserve to be in chexsystems, because your lack of intelligence means you should not have a checking account with any bank for at least 5 years. No bank will help you either, not with a fraud flag on your chexsystems report. Try again in 5 years. The next time you receive an unsolicited check in the mail from the lottery do yourself favor and don't deposit it.
All these banks are arrogant and above the law. I say that because THEY ARE above the law! They have lobbied, payed off, anything else they could think of our representatives in Washington in order to soften the consumer protection laws in their favor and swing the Federal Courts to favor them in any litigation brought before a judge. I know this first hand. See my post about BankUnited FSB Fla./Deautsche Bank/Mortgage Exchange/Central Mortgage Company in Arkansas. And if that one company that advertises that they will remove complaints from [redacted] or this website try it I will repost until a cow jumps over the moon. And none of these sites should remove any complaints we register here for any information eraser service period!
Same thing happened to me on June 5th. Bank of America has been charging me NSF fees when i never go into the negative every since the first of the year. Get this... On my monthly statement my daily balance never shows me ever in the negative? Don't you have to go into the negative to be charged a fee?! I know so! I'm still trying to plan what I am going to do exactly about this. They will pay, I just want to be more crafty than they are and really get them into a jam they can't talk their way out of! I'm daring them to charge me again. By the way, I was first asked to leave the bank over this problem and then also hung up on by customer service. SOME CUSTOMER SERVICE! LOL
We are casting a documentary about unfair bank policies. Looking for stories with complaints about banks. If you are cast we will pay you. If interested contact bellmartel@sbcglobal.net for more information. Casting needs to be concluded by May 1st, 2009.
Harassment of my son in the Navy
My son has been receiving harassing phone calls from these inept collectors and it is causing him to stress out. He was incorrectly charged while he was in boot camp ( he's in the Navy) and his account went into further debt through no fault of his own. He had called and made arrangements with them before he left for boot camp!
Now FIA card services has sent his account to a collection agency which is threatening him and calling him continuously. I resent the fact that he is being hounded by this agency while he is trying to do his job in the Navy. He was once again incorrectly charged and is now further in debt because they deducted funds on the wrong date. They are threatening to sue him. I say screw them, let them sue. He's already in collections because of their idiocy.
My son has been receiving harassing phone calls from these inept collectors and it is causing him to stress out. He was incorrectly charged while he was in boot camp ( he's in the Navy) and his account went into further debt through no fault of his own. He had called and made arrangements with them before he left for boot camp!
Now FIA card services has sent his account to a collection agency which is threatening him and calling him continuously. I resent the fact that he is being hounded by this agency while he is trying to do his job in the Navy. He was once again incorrectly charged and is now further in debt because they deducted funds on the wrong date. They are threatening to sue him. I say screw them, let them sue. He's already in collections because of their idiocy.
If your son was serving active duty during the time that his account became delinquent or over the limit there is a clause that all creditor must honor “The Sailors and Soldiers Relief Act”. Which is a law that would force the bank to go back to the date of active duty and change the interest rate to a fixed rate of 5.9 percent and waive any late fees or over limit fees that occurred during that time.
I nominate FIA Card Services as the most inhumane company in existence.
My son has been a patient in a New Jersey mental hospital for 30 years -- sentenced NGRI (Not Guilty Reson Insanity) for a violent crime. He will likely spend the remainder of his life in confinement.
My son ran up some charge card debt in spite of the fact that his address was clearly that of a mental hospital.
Good Old Greedy Bank of America even phoned my son at a hospital ward PAYphone in May 2007 and offered a man who has not been employed since 1979 a loan of $20, 000. My son is on high dosage of anti-psychotic drugs that reduce anxiety to the point that he is not fully functional -- so when offered the loan over the Payphone, he accepted.
Now the harassment squad at FIA Card Services is calling multiple times daily with very belittling words addressed to my son in spite of my letter to FIA Card Services explaining my son's situation. This harrassment will likely cause the doctors to incrase the dosage of anti-psychotic drugs and thereby increase the already debilitating side effects.
My son does not even receive Medicare disability pension because during the Clinton administration there was a change made that declared that persons judged NGRI could not longer receive Medicare disability pension payments. Incidentally, he does still have Medicare Part B but the Social Security Admininistration (unlike the Bank of America and FIA Services) has declared that my son is without any means to pay the premiums for Medicare Part B and apparently Social Security has a system which pays the premiums for such an indigent person,
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About Bank of America
One of the key strengths of Bank of America is its commitment to innovation and technology. The bank has invested heavily in digital platforms and mobile banking, making it easier than ever for customers to manage their finances on the go. With features like mobile check deposit, online bill pay, and real-time account alerts, Bank of America is at the forefront of the digital banking revolution.
In addition to its digital offerings, Bank of America also has a strong network of physical branches and ATMs. With thousands of locations across the country, customers can easily access their accounts and get help from knowledgeable staff members whenever they need it.
Another key advantage of Bank of America is its wide range of financial products and services. From checking and savings accounts to credit cards, loans, and investment products, the bank offers something for everyone. Whether you're looking to save for the future, buy a home, or invest in the stock market, Bank of America has the tools and resources you need to achieve your financial goals.
Overall, Bank of America is a trusted and reliable financial institution that has been serving customers for over a century. With its commitment to innovation, technology, and customer service, the bank is well-positioned to continue to meet the evolving needs of its customers for many years to come.
1. Log in or create an account: Ensure you are logged in to your ComplaintsBoard.com account to proceed. If you do not have an account, please register by providing the necessary information and verifying your email address.
2. Navigating to the complaint form: Once logged in, locate the 'File a Complaint' button situated at the top right corner of the website and click on it to access the complaint form.
3. Writing the title: In the 'Complaint Title' field, concisely summarize the main issue you have encountered with Bank of America. Make it specific and clear, such as "Unauthorized Overdraft Fees" or "Difficulty with Mortgage Loan Modification".
4. Detailing the experience: In the complaint description, provide a detailed account of your experience. Include key areas such as customer service interactions, problems with account management, loan servicing, fees or charges that were unexpected, issues with online banking, or any other specific incidents related to Bank of America. Clearly describe the nature of the issue, including dates, locations, and any relevant transaction details. If you attempted to resolve the issue, outline the steps you took and the responses received from Bank of America. Explain how this issue has personally affected you, such as financial loss or stress.
5. Attaching supporting documents: Attach any relevant documents that support your complaint, such as correspondence, statements, or receipts. Be cautious not to include sensitive personal information like your social security number or full account numbers.
6. Filling optional fields: Use the 'Claimed Loss' field to quantify any financial losses you have incurred due to the issue. In the 'Desired Outcome' field, describe what resolution you are seeking from Bank of America, whether it be a refund, apology, or corrective action.
7. Review before submission: Carefully review your complaint for clarity, accuracy, and completeness. Ensure that all the information provided is true to your knowledge and that your desired outcome is reasonable and clearly stated.
8. Submission process: After reviewing your complaint, click on the 'Submit' button to officially file your complaint on ComplaintsBoard.com.
9. Post-Submission Actions: Keep an eye on your ComplaintsBoard.com account for any responses or updates regarding your complaint. Be prepared to engage in further communication if necessary to resolve your issue with Bank of America.
Overview of Bank of America complaint handling
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Bank of America Contacts
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Bank of America phone numbers+1 (800) 432-1000+1 (800) 432-1000Click up if you have successfully reached Bank of America by calling +1 (800) 432-1000 phone number 8 8 users reported that they have successfully reached Bank of America by calling +1 (800) 432-1000 phone number Click down if you have unsuccessfully reached Bank of America by calling +1 (800) 432-1000 phone number 3 3 users reported that they have UNsuccessfully reached Bank of America by calling +1 (800) 432-1000 phone number45%Confidence scoreEnglish+1 (800) 688-6086+1 (800) 688-6086Click up if you have successfully reached Bank of America by calling +1 (800) 688-6086 phone number 16 16 users reported that they have successfully reached Bank of America by calling +1 (800) 688-6086 phone number Click down if you have unsuccessfully reached Bank of America by calling +1 (800) 688-6086 phone number 1 1 users reported that they have UNsuccessfully reached Bank of America by calling +1 (800) 688-6086 phone number88%Confidence scoreSpanish+1 (315) 724-4022+1 (315) 724-4022Click up if you have successfully reached Bank of America by calling +1 (315) 724-4022 phone number 0 0 users reported that they have successfully reached Bank of America by calling +1 (315) 724-4022 phone number Click down if you have unsuccessfully reached Bank of America by calling +1 (315) 724-4022 phone number 0 0 users reported that they have UNsuccessfully reached Bank of America by calling +1 (315) 724-4022 phone numberInternational+1 (757) 677-4701+1 (757) 677-4701Click up if you have successfully reached Bank of America by calling +1 (757) 677-4701 phone number 0 0 users reported that they have successfully reached Bank of America by calling +1 (757) 677-4701 phone number Click down if you have unsuccessfully reached Bank of America by calling +1 (757) 677-4701 phone number 0 0 users reported that they have UNsuccessfully reached Bank of America by calling +1 (757) 677-4701 phone numberCredit Card Issues+1 (800) 214-6084+1 (800) 214-6084Click up if you have successfully reached Bank of America by calling +1 (800) 214-6084 phone number 0 0 users reported that they have successfully reached Bank of America by calling +1 (800) 214-6084 phone number Click down if you have unsuccessfully reached Bank of America by calling +1 (800) 214-6084 phone number 0 0 users reported that they have UNsuccessfully reached Bank of America by calling +1 (800) 214-6084 phone numberVice President Bank+1 (312) 992-6618+1 (312) 992-6618Click up if you have successfully reached Bank of America by calling +1 (312) 992-6618 phone number 0 0 users reported that they have successfully reached Bank of America by calling +1 (312) 992-6618 phone number Click down if you have unsuccessfully reached Bank of America by calling +1 (312) 992-6618 phone number 0 0 users reported that they have UNsuccessfully reached Bank of America by calling +1 (312) 992-6618 phone number
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Bank of America emailssupport@bankofamerica.com100%Confidence score: 100%Support
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Bank of America address100 N Tryon St., Charlotte, New York, 28255, United States
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Bank of America social media
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Checked and verified by Janet This contact information is personally checked and verified by the ComplaintsBoard representative. Learn moreSep 28, 2024
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