Bank of America
Charlotte, New York
United States - 28255
|Mon||8:00 AM - 11:00 PM|
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|Sat||8:00 AM - 8:00 PM|
|Sun||8:00 AM - 8:00 PM|
|Mon||8:00 AM - 11:00 PM|
|Tue||8:00 AM - 11:00 PM|
|Wed||8:00 AM - 11:00 PM|
|Thu||8:00 AM - 11:00 PM|
|Fri||8:00 AM - 11:00 PM|
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I was called a "valued" member for my Mastercard account (which I've had since 1988) by an FIA card services representative today. A cardholder for 20 years and one that pays off her balance every month should mean something shouldn't it? Not as valued as one might think though. When I spoke with an "account manager" as she called herself, she refused to credit my account for a late charge that was assessed because I failed to make my payment the business day before the due date. I paid my balance off on due date but it only posted the next business day so I was assessed a $39 late charge plus finance charges for a balance that was under $300. I felt like a child being lectured about how it was my responsibility to make the payment timely to ensure it posted on paydate and that if I would have called and paid $15 to initiate my payment over the phone rather than over the internet my payment would have been timely and the $15 fee vs the $39 late charge would have saved me money. I explained that my husband's father was just diagnosed with a terminal illness so things are in a bit of chaos right now and the response from the "account manager" was that everyone has things going on in their lives but they still have to make their payments timely. For a customer of 20 years I felt that I was treated very coldly and that FIA's "account managers" are not at all customer service oriented. I asked to speak with a manager but the "account manager" refused saying all managers were in meetings and she could handle my account. I asked for a manager several times and was finally told they would have one call me back within 48 hours. Rather than refunding the late charge she was willing to honor my alternative request to close my account - 20 years - means nothing.
Bank of America is the worst bank in all directions of time and in every dimension. This is not an exaggeration, simply a fact! They do not credit erroneous charges even if one has proof. This has happened to me a couple of times with them. They are allegedly in bed with the Bonesmen and freemason society groups and will harass anyone if they dare say the truth about the awful business that they are!
Plus they will steal your money by not honoring the proof of the erroneous charges even when the business said they gave a credit. They are alleged thieves like Andy O'Niell who is President of Valley Bank in Helena Montana who closed my accounts for no reason other than to harass me, and then had the audacity to keep over two hundred dollars I had in one of my accounts. He is a liar and a thieve, and I BELIEVE he will soon be behind bars. And, I BELIEVE he ain't going to like the Helena jailhouse! You see Andy is on many boards that have to do with banking thru out the state of Montana. I wrote our banking committee in the Senate in regards to Andy but I believe they are just like him only in different skins! They have not helped me, and yes I do in fact sign part of their paycheck!
Truthfully, Karen Romero.
We have a personal checking and business checking account both with various credit cards through BOA. Due to the real estate market, we became behind on the business credit card payments. My husband alerted BOA of the situation which they agreed to take 35 cents on the dollar for the 2 credit cards for business, but with a payment plan. Last week, the drafted my PERSONAL account for 100% owed on 1 card and 50% owed on the other, causing everything else I had to overdraft. I am closing my accounts. They say they are "within their right" per our credit card agreement.
I noticed on my fiancee's checking account statement that a deduction of $125 was made on 1/31/08. This was paid to the order of FIA Card Services. It was an electronic funds transfer and shows my name and address but I did not authorize such a deduction, and I certainly did not ever tell anyone to take the money from someone else's account! I will look into this further today to see what amounts of money has been taken by FIA in the past months. I see that there is a complaint listed on this website against FIA for something very similar (dating from July 2007). What is going on...
I opened a savings account with Bank of America after having a checking account with them for the past 12 years. I have done all my banking online so I figured it was just as well to process my order online as well. I clicked on the create new account part of the website entered all of my information and requested that funds be taken from my checking account to start the new acct. I got a confirmation notice that my request could take one to two business days and that if approved my information would then be viewable online and I would get my new card in the mail within two weeks. I figured that was fine.
I waited not just the two but three business days before checking online and was not surprised to see I had been approved and had a new savings account already set up. However what was surprising was that it showed at a zero balance and my checking account still had all my funds without any pending transaction letting me know that there would be money being transferred to my savings as I had requested. Well after having read all of the information on having a savings account with them I knew I'd be getting fees charged without a minimum balance so I decided to request anew that money be transfered from my checking. I immediately saw this transaction as pending and my checking account now only showing the lesser amount as available so I was certain this new transaction would process correctly.
Now having a new savings account with a proper balance and my checking account still adequate enough to fulfill all of my pending transactions I did not have a further need to look into it again in any immediate time. A few days later I decided to log in once more just to ensure the pending transaction had processed and everything was indeed in order I find more funds in my savings acct than I had originally in total and a checking account in a very nasty negative red number. Altogether there were five overdraft fees totaling $175. I started to only slightly panic.
I checked my transactions and noticed that both my second requests to transfer from my checking to my savings, and my original request, which was no where to be found when I submitted the second, had both processed on the same day and were now sitting in my savings account which had suddenly swelled to a number I did not have originally in both accounts combined. The total was the amount of both transfer requests combined. I immediately realized the error, but somehow knew that if I called customer service they would see what I did and would help me get my account straightened out and reverse those overdraft fees. I could not have been any more wrong.
The first representative I spoke to, Michelle, very politely listened to my situation and placed me on hold assuring me she would find out how to help me out. I waited on hold no less than 5 minutes and when she returned the politeness had suddenly vanished and instead in a curt voice I was told that I was responsible for the error and that I would not be refunded. I asked why and was told that the error had occurred in "the online banking" and so Bank of America would not refund me.
"Well," I thought, "if the error occurred in 'the online banking' and so she can not help me, I should speak to someone in 'the online banking.'" So I asked to be transferred she, suddenly polite once again, assured me she would get ahold of an online banking representative and then transfer me and again I was on hold. No less than 8 minutes this time. When she returned, the politeness doing it's magical disappearing act again, she informed me again that the error was in my negligence and that I would not be refunded any overdraft fees because I should have known via the pending transaction that the original request was already being processed and that online support could not help me because the original transaction was done at an in bank counter.
Forgetting for a moment that I never requested any transaction inside a bank, although not to forget it completely because it is important, my original woe had been that I did not see the original transaction pending so therefor proceeded, as hopefully expected from an honest customer, to assure proper funds in my savings account by submitting a second request to transfer funds. And not only that but when a transaction shows as pending in Bank of America online banking, it does not count that amount towards the available balance so even if I had wanted to transfer more money than I had in my checking, by the system itself it would have been impossible if the transaction was indeed pending.
I knew I was getting nowhere with Michelle so I asked for her manager. She declined to transfer me because she stated her manager would not get my money refunded either. However I persisted and soon was left on hold again. No less than 10 minutes this time; the hold times getting noticeably longer each time. So next I spoke to Michael, he gave me his last name but I won't say it. Michael the supervisor politely listened to my complaint again along with the lack of logic from the answers Michelle had provided and preceded to let me know that I was responsible because I had knowingly requested the original transfer at a counter inside a bank and that seeing the pending transaction online I should have not made the second request. He never lost politeness but it was very obvious he listened to nothing of what I had said and knew nothing about the way his employers website worked.
I decided to stop there because it really was getting me no where, but I'm now really at a loss about what to do about this. I know that I should not be forced to pay those overdraft fees because it is not my fault, and I don't even know how to submit a BBB complaint because I don't know what Bank of America location I should submit the complaint against because I don't know which one handles "the online banking" for accounts in Texas.
Three years ago I opened a credit card account with Bank Of America. My original agreement was an interest...
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December 28, 2007 I discovered that mine and my daughters vehicles had been vandalized. I immediately called 9-1-1 and my insurance company to start a claim. Today is January 7, 2008 and my vehicles are still sitting in my driveway, undrivable and unrepaired. How long does a claim normally take? All that was done was the windows were busted out. I have complained to my insurance and they assured me that this is normal. We are still looking at 1-2-3 days before anything can be done. I am so frustrated!!! I have never witnessed anyone having this kind of problem with insurance. I call 3-4 times daily trying to find out what is going on. I leave messages with no response. Noone ever answers their phones. And noone wants to pursue my complaint. Any suggestions?
I've never missed a payment with Countrywide Home Loan's Inc until November 2007. I am ultimately...
I find that communication between Countrywide Home Loan Inc. and me the customer is severely lacking. I don't want to distract anybody from the fact that I missed an $18.00 home equity loan payment which is my responsibility whether I receive the bill in the mail or not. What really angers me is Countrywide taking such drastic actions such as refusing to honor checks written on this home equity loan without ever contacting me and pointing out that I was in arrears.
The delinquent payment of $18.00 was for November 2007. I had completely paid off this loan in October 2007 and assumed that there would be no payment necessary for November 2007 this I assumed being the reason I had never received a bill or because I had just signed up for electronic payments and was expecting an email reminder.
Mind you I was completely clueless about a payment being completely missed and for as long as I've been with Countrywide I have never missed a payment. I was making the next months payment for December electronically. There was a $6.00 charge included with my December payment, at first I was confused because I had never seen any mention of fees for electronic bill paying when signing up.
I refused to pay Dec. bill electronically and I wrote Countrywide a nasty email concerning this fee and how they could believe someone would pay this fee in order to pay their bill electronically.
I don't remember the exact response I had received, but I know there was no mention of a payment being missed. Mind you I'm still clueless after a month in arrears. I even call a Customer Support person who tells me the fee is because I'm late on my payment. I looked at past payment dates in my checkbook, I could not see how December 2007 payment could be late.
Even after talking with a customer rep I had no idea the late delinquent payment was for November 2007. So basically Countrywide would much rather screw a customer financially by not honoring three checks written out from one of their home equity lines of credit instead of calling the customer who had never missed or had been late for any payments before and communicated this problem to that person.
Maybe they thought that $18.00 was way out of my payment possibilities. This $18.00 payment has now cost me hundreds of dollars. Thanks Countrywide I'll surely not come to you for my refinance because I want far away from the likes of you.
I had opened a Bank of America credit card with an APR of 13.99%. In April 2007, the APR had increased to 27.99%. When I called to find out why, they told me that because I had been making minimum payments, the increased my APR. What kind of logic is that??!? By increasing the APR, they are making MORE money off of me and less of my payment is going to the balance. I am trying to get it lowered and so far nothing. However an article written Dec 4, 2007 quotes Bank of America spokeman stating that customers have a right to say no to an increase YET I was given no warning and I certainly didn't give permission.
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Bank of America - www.bankofamerica.com
I've been ripped off by Bank of America charging my checking account overdraft fees several times. It is terrible how they can get away with charging these fees with no recourse from the consumer. My most recent story goes like this: My daughter, who was out of town, deposited $400.00 cash into my Bank of America Checking Account at a Bank of America branch office inside at a teller station. She did this so I could withdrawal the money to pay her car payment since she was out of town. When she deposited the cash the teller assured her that the cash would be immediately available for withdrawal. My daughter deposited the cash on a Thursday, and so after being assured by the teller that the money was available; I withdrew the cash and paid my daughters car payment. I also used my ATM card to make 2 other transactions from my checking account that night. On Friday evening I checked my account status online, and noticed that the cash withdrawal and the 2 ATM card transactions that had been done AFTER the $400.00 cash DEPOSIT transaction had occurred, were debited from my checking account but the cash deposit had a "Counter Credit Hold" placed on it, so conveniently the bank had manipulated my daughter;s cash deposit and my withdrawal activity so that the cash deposit that was placed on hold put my checking account in a negative balance, hence the 3 overdraft fees. I went to my local bank office in person on Saturday to inquire about these charges and after I explained my issue, the bank employee did refund one of the charges out of the goodness of her heart. I am thankful for that refund. However, the bank representatives advised me that the reason I was charged these fees in the first place was because my overdraft protection was not listed as being active on my checking account. I had never cancelled this overdraft protection. I have had my credit card account linked to my checking account providing overdraft protection for over 10 years and the protection has been utilized by Bank of America in other incidents. I am still being charged 2 $35.00 fees. I have written 3 emails to their "customer service" and I have been told that they will not refund these 2 remaining charges. It's a big racket with this bank and their fees. Too bad the answer couldn't be to switch banks, they pretty much all are crooks with poor service and unreasonable bank fees.
One day I go online to check my account balance with BOA only to discover that a check was written by someone else but the funds had come out of my account. Yes! Imagine your best friend writing a check from their check book with their name, address and everything but the money comes out of your account! This was clearly a case of fraud so I contacted them and was told it would be reversed and that "when I have a chance to close the account." My checking account remained open for a few weeks but as always I kept very little funds in it mostly just to pay my credit card bill as I'm very weary of BOA after several issues. Sure enough a few weeks after the first incident more checks were written taking money from my account. When someone from the check fraud department finally got back to me they told me they would NOT reverse any of the money STOLEN from my account because I should've closed it. The rep clearly stated they had no responsibility to me after advising me to close the account and they wouldn't return any of my lost money. I guess this is how BOA helps it's customers feel safe and secure with their service, by letting criminals steal money from the customers they should be protecting from fraud. I will never bank with them again and hope to close my cc with them asap. Absolutely dispicable!