Bank of America

Bank of America®
This was e-mailed to me today, I'm forwarding to you for your Security Dept. This is a scam.

Activity Alert
personal checking/savings account
IP-Conflict detected on your account
Dear Valued Customer,
We're letting you know that we've detected multiple IP-Conflict on your online account, which will result to restrictions and closure of your online account, Kindly verify your account below to ensure the safety of your assests and online account.

For verification click http://www.bankofamerica.com/verify to restore and ensure the safety of your Account .

My Bank of America Credit Card was declined and blocked due to a charge of a dollar and something because it was considered a test for future fraud usage, This occurred tonight

The merchant is g.copayhelp

phone [protected] which is never answered.

I did not ever give you this card number for any reason.

You have created a serious problem for me and my family by this dishonest Small charge.

I will not provide the card number in this email but please phone me for full disclosure

Daniel Kayfetz
[protected]
[protected]

I have had my bank of america credit card for 14 years. I have my payment set up on auto pay through their website. I recently found since may 2017 they have been charging me a late fee the day after my payment posts! I called their customer service. After holding 40 minutes I opted to have them call me back. 2 1/2 hours later I get a call ask why the fees if i'm on auto pay and I get told I picked the wrong date! Really! It's been right for 14 years why now is the date wrong! I asked if they changed our due date and get no answer just a polite, sorry fees stay, you paid a day late. My message... Hey bank of america there are better cards out there and if you offer terrible customer service to loyal card holders, they can take their business elsewhere! I've already filed a consumer complaint with the attorney general in my state and that's not the end. Consumers have rights and we won't be screwed by big companies any longer.

Hello,
My name is [name removed] and On Monday, December 11, 2017, I arrived at the Bank of America branch in St Paul, MN off of Ford Parkway at 4:15 pm, I was making my opening deposit into the checking account that I just opened. As I was making my deposit the teller that was helping me named [removed] was making small talk conversation with me that I felt was borderline crossing the line. He asked me if I'm ready for Christmas? I replied I'm not really stressing over it. He asked well what about your kids? I said my children are grown. He asked their ages and I replied in their 20's. Then he asked well what about your husband? I said no husband. He asked so you're going to be alone? I replied, no, no, no I have a big family (all the while in my head I'm like just give me my receipt so I can go). He saw my work badge around my neck so he then asks oh you work at [removed]? I replied yes. He asks which location? I reply oh not too far from here. He asks like where? I said near [removed] (as I'm still waiting for my receipt). He finally completes my transaction and I say thanks and goodnight he then says he's going to check up on me for Christmas. What that means I don't know but I just walked away and left the bank (in my head I was like creepy/weirdo). I get in my car and proceed to drive home.
My deposit receipt states that my deposit was made at 16:49 pm. As I'm driving I receive a text message at 4:58 pm that reads "Hey [name removed]. Hope it's ok to say hi sometime. This is [name removed]".
I'm like that's the name of the teller that I made my deposit with. I was in utter disbelief and shock! Why is this man calling me? Why is this man still in my account or did he go back into my account and steal my phone#, or write it down when I was making my deposit? But regardless as to when he stole it, the bottom line is that HE STOLE MY PERSONAL INFORMATION, INVADED MY PRIVACY AND USED IT TO TEXT ME!
I trusted the employees at Bank of America with my personal information and that it would be safe and protected, yet this man totally violated the bank's policies and ME!
This man has All of my important information…my phone#, home address, where I work and my social security#. I can't even clearly explain how violated I feel and concerned for my safety. This man was so bold to steal my number and use it for his own personal use so who's to say he will not do the same with my address and pop up at my home or work. What did all information this man take of mine? You do not know and neither do I, which is very unsettling. How many other women has he done this to? This is very creepy and a form of stalking and criminal. Several laws, policies, and laws have been violated by this man. Clearly, a privacy breach, data breach, security breach and my information and life has been compromised by the actions of this man.
I haven't gotten any sleep. Worried if this man is watching me? If I report him will he come after me since he knows where I work and live? Do I have to purchase some mace, a tazor or gun (that I'm totally against)? I should probably look into moving because I don't know what this man is capable of. My life has changed drastically because of this man that knows everything that's important about me and I know nothing about him, not even his last name. All I know is his name is [removed].
I called the Bank of America Branch that this occurred at the next day 12/12/17 and spoke to the Operations Manager [name removed] and explained everything in detail to her. She apologized to me and then forwarded the information on to the Branch Manager [name removed], who contacted me shortly after I spoke with [removed]. She also apologized and said that this will be escalated and I will more than like be contacted by someone else from Bank of America.

I do feel a monetary compensation would be in order, which is what it would take to relocate along with a credit report monitor tracker to be placed on my social security number because my personal safety and security has been breached and compromised. I am afraid of what this person may do with my information at his disposal. I feel this person should be fired from your bank or at least work in a capacity which does not afford him access to public information since he clearly is a character that is ok with violating policies. I sincerely hope going forward you will use this experience in training methods to ensure your personnel is fully aware of the emotional distress this would cause for an innocent patron. I am disturbed, uncomfortable, and just nervous now; when none of this was the case before I walked into your bank. I sincerely hope we can resolve this amicably and I thank you for your time and consideration.

I will be sending a copy of this letter to the Minnesota Attorney General's office, the Consumer Financial Protection Bureau (CFPB) and the OCC and filing a complaint.
What this man did is NOT acceptable and I will NOT take it lightly because I do not know what this man is capable of and he has my social security #, phone#, home and work addresses and I do not know how many other women/customers he has done this to.

Sincerely,
[name removed]
12/13/2017

Bank of America is no longer reflecting charges made to a checking account by a debit card immediately after a charge is made, instead they are processing everything at the close of the next business day. This means that if your account says you have $500 in it, then you go ahead and spend $200, logic would dictate that you have $300 left to spend. If you check your account online, as I do, it will show the $200 as pending, but the amount will not have been deducted from the $500 that is shown as "Available Balance". The $200 will not be deducted from the $500 until the close of the next business day. What this allows is for the full $500 to be available even when there is a $200 charge made against it. This is incredibly unethical. I am changing banks as soon as possible.

Every time I call customer service I have super long hold times dropped calls uninformed unprofessional childlike behavior and not to mention rude interrupting me not listening to my concern and having to be hasseled by calling back over and over w unresolved issues, such as lost checks over 20 days... credit card problems! One representative closed my credit card without my permission Bc she didn't like dealing w me. And it was closed even tho I am a excellent customer never late etc. they only offered a secure credit card w my good credit and long time relation w the bank! Again they have disrespectful rude customer service actually the very worst in the world works at BOFA. You need to train better seriously... it's not all about winning for some competitive ego mind game..., it should be about helping the customer.

Bank of America and there resolution department Eziilia Lutcher are the worst customer service agents ever to deal with. Go to any other bank these people are a joke after 25 years of being a loyal customer. After a absolutly negative experience with the sly Ezila Lutcher the resolution specialist goon at Bank of America, I have come to the conclusion that Bank of America my bank for 25 years really sucks and could care less about us loyal customers. They closed my credit card of 15 years for inactivity and refuse to reopen it and want me to apply for a new card which I refuse to do unless it is at any other bank. They justified this by a letter they say they sent me that said I had 30 days to use the card or the account will be closed. that letter I never received. Now they refuse to reinstate my card I have 800 plus credit score and a customer of the bank for 25 years never had missed a payment ever. Bank of America is not the only bank and I will now be considering other banking options for the future. In conclusion I think I will sell my BOA stock as I cant be a holder in the company I have grown to feel so negative about now. I will also consider a moving my funds to another bank as this bank is under par in customer relations and I am sure they all could care less. This will be posted on the web to warn others of the bank and trolls that work for it.
Marc S
Boynton Beach FL

I live in Northern California. BofA used to have several banks in our area which they closed. It would now take at least 3 hours to reach their nearest ATM.

Now people receiving unemployement and disability are forced to use other bank's ATMs and pay their fees.

EDD should cancel contract with BofA if they are not going to provide reasonable access to ATMs.

I have 2 unauthorized charges.

One in which a check is written to BOA on 10/16/17 for $100.00. See attachment.

My statement makes no indication why BOA wrote a check to themselves.

Additionally, I have a pending NTTA charge of $40.00 that I did not authorize dated 11/10/17.

They asked if i wanted them to charge my card and i specifically said no as they have not made my statements viewable.

I contacted them and they advised its automatic and since they have access to my card they are authorized.

Again I was asked o the phone if i wanted a payment issued and they said it was up to me but still charged me anyway.

The bank is currently closed in observation of the holiday and i do not want this payment to go through.

Your prompt attention to this matter is appreciated.

Thank You

Jade Kilgore

Show this comment to Lawyer Ashley Leigh Pope, so you can finish finding ways to steal money from your customers.

Dear Bank of America Support Team, first I want to finish where I left off, after Bank of America representative slammed the damn phone in my ear after asking for proof of my Oct 13, 2017 mortgage payment receipt. This is the statement she cared not to hear.

My damn mortgage was not paid on the damn 18th of October 2017. You have been hanging around Virginia Employment Commission too damn long, stealing my [censor] money.

Here is my damn receipt for the month of October 2017, not Oct 18, 2017
My payment receipt is Tran 0013 10/13/17 13:25 T1R 00007 Entity NVA CC1011256 MTG *4536 $771.06 Regular Payment.

On September 13, 2017. I had $5, 444.00 in my Savings account. I made a payment for $771.06, it was transfer from my Saving, by phone. My damn mortgage payment confirmation number is 5725P.

Small Business Yahoo.com money and recurring payment was not refunded back to me, your fake transactions show that my money was refunded back to me, it wasn't.

First, I have a statement to make about you. On November 6, 2017. I went in a branch, Victory Crossing Portsmouth Va, I got all my Checking, Saving, Mortgage, Fake Refunds, Debits, stolen credit card, and other miscellaneous accounts, unsolved and disrespectful recording conversations by phone for my unresolved bank inquiry issues, FAKE mortgage delinquents, Fake mortgage payment dates, Fake missing account number from making a mortgage payment, Fake confirmation mortgage payment number, and uncaring LOAN officers and Mortgage Supervisors, disrespectful, argumentative representative, and money embezzlers coached by your (fat funky [censor] Lawyer Ashley Pope, she smell like skunk funk) from both savings and checking accounts. The next time I do a survey on you, I will definitely not say anything nice about you. Tell that fat funky Lawyer Ashley Pope what I said, she seems to be everybody's damn lawyer, and financial embezzler advisor.

I was assured that after my first deposit, which took 2 full weeks to clear, I would never have to wait on another check to clear like that. I was told it would be quick like my other competent banks, deposit a check and all the money clears within a business day or two... I carefully made sure, as it was written, that my money would clear by the next business day of I made the deposit before 8pm pt. Of course I got it in at least 45 mins before the cutoff time. After three days, the check still had not cleared! I called customer service to try to expedite the clearance of my check, but I was told it'll clear after 10 days! I asked, how am I supposed to eat, but of course this isn't their problem. Who cares if i'm broke and all the money I have to eat is slowly clearing? Sure as [censor] not bank of america. They're the crappiest bank i've had the displeasure of using. If you want to avoid being screwed by a bank who doesn't care to make right, bank of america is the [censor] bank for you. I'll be withdrawing my money after this and depositing it with another bank. Wiite frankly, i'm more comfortable with the money under my bed than I am with bank of america. They're horrible so beware and think twice about banking with bank of america!

I opened up a Bank of America checking account on October 25, 2017 and deposited $30. Everything went great and the lady Evelyn San Diego was extremely nice. Was looking forward to depositing my cash assistance from my state when the funds came in.

Today October 30, 2017 I went to go log on and it said my account was locked. I thought I entered the password wrong and it locked so I called customer service. After waiting 20 minutes on the phone one of there reps finally came on to talk to me. We went through the HUGE security stuff including asking where I lived previously and kind of car I drive. WAY to thorough for me. After all of that she connected me to the RISK department where I was told that my checking account was closed. She read me this HUGE letter telling me that they have closed my account. Right then I was pissed and hung up the phone. I then chose to visit the branch where I opened the account so I could talk to the manager. When I walked in he greeted me and I asked him why my account was closed. He sat me down, looked on his computer and told me my account was CLOSED! I started yelling at him asking why this happened and all he could do was give me the SAME Risk MANAGEMENT I was already given, plus I was just on the phone with them. So I stormed out, got in my car and found a place to park my car while I call that number again. Well after another 20 minutes I was finally able to talk to a real person and she told me the exact thing I was told TWICE. Supposedly Bank of America can close your account whenever they want, which is SO wrong! My girlfriend uses the same bank and she is just as pissed as I am!

In May 17, 2017, I requested a $400.00 claim and Bank of America refused to return it to me because s.f. superior court had made fraud. In 9/10/2016, I had open my claim with Bank of America and in June 16, 2016, I open a claim again because I did not see it started my claim. My claim #[protected] had not responded and I have spoken to Ms. Denise Wilburn @ telephone# [protected] ext.# 383215. I have already tried to resolve it with attorney general(complaint#697838) in June 23, 2016 and Kamala D. Harris stated that her department does not work complaint for an individuals.

I am writing this email to file a complaint to your company for excessive overdraft fees and misleading on-line banking information as it resorts to available balance information.

I recently opened my account with bank of america I am a small business owner and I wanted to establish myself with a bank that will support my efforts to grow my business. Bank of america is very supportive to small business owners and women entrepreneurs. Alo my very first job was at bank of america back in 1999, so what better place than bank of america to build my banking relationship with.

As a small business owner I am very busy building my business and I rely heavily on the convenience of on-line banking and the mobile app to help me manage my funds and stay on top of my finances.

To my surprise I have been told by several of your banking representative that your online information is not accurate. For instance when I log online to see my available balance and transactions that have taken place the information I am looking at may not reflect the correct balance information therefore leading me to believe that I may possible have funds available that are actually not available.

Now my issue with that is... Upon logging online it says available balances include recent activity. I can actually see the most recent charges that are pending and the balance "supposedly", reflect all pending charges per your online banking.

However on numerous occasions I have been charged nsf fees and return check fees when it clearly shows all my pending transactions and available balance that reflects I indeed had adequate amounts of funds to cover the charges. On 10/10/2017 check 996 was returned nsf when it clearly indicated the funds were available. To have a check bounce was very embarrassing and not to mention frustrating. I had to pay the bounce check fee to the person in whom I wrote the check to not to mention bank of america charged me a 35.00 nsf fee.

Again on 10/20/17 I was charged three 35.00 nsf fees for three charges all under 20.00 when my account clearly indicates the funds are available. Based on your on-line banking services it shows your three 35.00 nsf fees are what put me in a negative account balance.

I tried to download a bank ledger app to do a check and balance but what I found out was the app only reported the same information that was on my on-line banking.

I find your online banking service and online banking app to be inaccurate and misleading. I find it difficult to believe that out of the millions of dollars bank of america has that your company can not find a more accurate online system. I have banked with other institutions and I have never encountered this sort of issue.

I do believe that bank of america has put this system in place in a effort to wrongfully charge your customers excessive overdraft charges. I do not mind paying an overdraft fee if I have been negligent in having funds to cover transactions I believe the overdraft feature is great to help in those situations. However that has not been my practice. I have been responsible with checking my account consistently also I even went the extra mile to try and download a ledger app to help compensate for the shortcomings of your online service.

I am a small business and it strongly affects my bottom line numbers when I am paying hundreds of dollars in excessive overdraft cost.

I am requesting the five overdraft fees be reversed due to misleading account balance information on your online banking app and your online banking feature on the computer.

Furthermore is bank of america doing anything to correct this issue with your online banking service? At this point I see this being a hu issue for me going forward. I need the convenience of online banking it's important to my business, if I can't rely on the information on your online service to be accurate I may be forced to consider a more suitable banking option.

This is extremely disappointing because I chose your institution because of convenience. Bank of america is everywhere, the online check deposit feature is great, atm accessibility and your wonderful small business opportunities makes bank of america a great choice for me, but if banking with bank of america is going to charge me unfair excessive fees I feel I am forced to reconsider my decision.

In may 17, 2017, the bank refused to return money back (attachment #1)to me after I have requested a reopened claim #[protected], with fraud unit. It was a fraud by SF Superior Court and I cancelled my card ending in-3859. I have made a complaint with attorney general(complaint#697838)in the past on June 23, 2016 and kamala d. Harris said that she do group complaints only(attachment #2).

In May 17, 2017, I requested a $400.00 claim and Bank of America refused to return it to me because s.f. superior court had made fraud. In 9/10/2016, I had open my claim with Bank of America and in June 16, 2016, I open a claim again because I did not see it started my claim. My claim #[protected] had not responded and I have spoken to Ms. Wilburn @ telephone# [protected] ext.# 373215. I have already tried to resolve it with attorney general(complaint#697838) in June 23, 2016 and Kamala D. Harris stated that her department does not only do for individuals.

It was bad enough Bank of America charged the person cashing the check $7 for every $100 On checks from a business to a person. Now they are doing it on person to person checks? Don't they know that's going to make their checks one of the most undesirable forms of payment. Basically if they try to pay another person most people are going to start charging Bank of America customers that extra money once it is widely known. Basically if you go into a Bank of America to cash one of their customers checks you get penalized for not being a customer yourself. This will make many existing customers leave once people start telling them they won't accept there check as a form of payment or because they are a Bank of America customer they must pay more. This new policy will backfire huge watch. I own a small business and noow that I'm aware of it I ask customers which bank they are writing me a check from and if it's bank of America then I charge them $7 for every $100 and tell them why. It's the only bank with a foolish policy like this. Trying to force people to open an account won't work. Business to business was bad enough person to person forget It!

This is my second complaint. My name is [removed] acct [removed]. I have been depositing payroll checks since April, holds have been placed since then, a couple of months I understand, but this is excessive. I have gotten ALOT of misinformation. For a few of my recent paychecks I was able to call the next business day and have my funds released. These are consistent payroll check.That is not the case anymore. The last paycheck was deposited on the mobile app and was realeased next day, so I thought the excessive holds were over. I deposited on the mobile app today AND MY MONEY WONT BE AVAILABLE UNTIL MONDAY AFTER 5. My last written complaint I was told that I wouldn’t have this problem any longer...Today I spoke to a supervisor on the phone and she told me to try cash my check at Suntrust (paying bank) even though I had made the mobile deposit. I tried and that failed. I’m so very frustrated with this bank.

I filled a claim like two weeks ago about two different transactions made on my account (***8512) with the amount of $89.95 and $89.95 and the claim no is [protected], and those money was returned to my account, and I was issued new ATM but to my biggest surprised, I woke up this morning i saw that $89.95 was debited from my acc again from one of the same company that made the transactions before.. what can I do now or my account is no more safe? My name is Hammed Afeez Olalekan

I spoke to one of your representatives on the phone this morning (10/6/17) in regards to electronic checking deposits from a vendor. On Friday, 9/15/17, Check N' Go (vendor) deposited $255 to my Bank of America checking account. The deposit posted to my account on Monday, 9/18/17. Previously, I closed a bank account with Wells Fargo Bank where the same vendor deposited to my checking account on a Friday morning but the deposit showed much faster (it posted the next day, Saturday morning). I asked your representative on the phone if she could explain why it was faster through Wells Fargo and not Bank of America. No reasonable explanation was given. She also balked at the idea of doing more research on the transaction. The reason why I opened a Bank of America account was because it was the closest bank to my house. I have no problem in taking my business elsewhere to another local bank if need be. All I asked was for a reasonable explanation to the transaction, but your representative made no attempt to satisfy my inquiry. Hope to get a clearer response soon. Thank you.