Bank of America
Reviews and Complaints

I agree Bank of America is cheating alot of people. How do we get hooked up the this frim in Georiga. Bank Of America wouldn't help us two years ago then they should have. Said we didn't qualify for a loan modification, now after they foreslosed on us they want to offer us what they should have in 2010. Costing us 144, 000.00. We dont want to sign with them but not sure what happens if we don't take their offer. Even their own attorney said she didn't know why they didn't help us then.

Refinace with another mortgage company!

Do you ever think about the employees that have to take your call from though call center. You call in about a problem do you know they have call time handle to finish that call in 3 minutes or less and solve your problems. If you do not wont to hear the what they tell you then don't used the credit card. Because those employee need to have a job and your complaint get them fired. They are human too so if you call into a call center it is not Bank of America it is a company that maintain your credit card for Bank of America and by they way Bank of America did not take over any companies they just take their company back. You was always dealing with Bank of America.

Change has to start at the top. I don't work for BofA so I don't know for sure but I would imagine that the CEO doesn't take the time to stop and talk to people in the halls or while waiting for the elevator. If hes not doing that then the executives probably aren't either and without leadership setting an example to follow, management isn't talking to their teams and so on and so forth. If you have a company that communicates with one another stricktly in a business manner and the people aren't getting to know one another as people then how could they possibly be getting to know their customers? If they don't know their customers, how could they ever begin to understand them? BofA is laying off 30, 000 employees because they need to trim the fat. Most of these jobs are coming from the branch level. The one place within the company where BofA representatives actually might stand a chance of knowing their customer.

1. Better, more accessable personal finance education programs. (Costs could be absorbed through mktg expense rather than grants and other govt funding)
2. Instead of having the collections department constantly call, demand, and try to trick people into paying debt which they can't afford to do in a lot of cases. Train the collectors in ways to work with those in debt. Some new programs may have to be created by the banks but in the grand scheme of things working with customers to help them pay down debt rather than having to charge off bad debt or have consumers filing bankruptcy is a much better alternative. The key for everyone is working together and communicating. It will be up to the customers to be honest with the bank but the banks are going to have to do a lot more listening and give it a rest with their demands. If I were in a position where I had to choose between paying a credit card or feeding my childeren, I would choose the obvious. Thats the situation for alot of families today with unemployment as high as it is. Things are tough and nobody seems willing to stop and understand anyone elses situation, everyone is concerned with themselves and the banks are all about the bottom line. I understand that they need to make money to stay in business but i'm sure they would do just fine if the money that isn't coming in at all right now started to come in slowly. If the executives have to give up multi-million dollar bonuses then so be it for a year or two. Most of the people that owe debts and can't pay have given up jobs, cars, houses, sometimes even eating meals everyday.

The OP's tone was that they tried to take care of the debt but had so little money coming in that they could barely afford to eat. Ellen, your comment was, In some countries they arrest you for not paying your debt. The tone you decided to take is the same as the BofA jerkoffs. You basically told this person "You don't matter" "Only the money matters". You are entitled to your opinion, you are also entiled to burn in hell. If more people and more companies cared more about people and focused more on being proactive about reaching out to help people then the economy could be repaired sooner rather than later. Debts could get settled before charged off, bailouts wouldn't need to be given, and you people you adopt such a "you created your problem, you fix it attitude" could lighten up and say "my situation is good, lets make yours good too".

I pay a lot of money for my membership to that place. Do you bank with BofA? If so then you pay a lot of money for each of theirs. I think maybe they should go find somewhere else to eat.

Its in very poor taste. I work for a major corporation. I don't blow off steam by trash talking my customers. If you were the head of a major corporation, would you expect people to use your service or buy your product after making fun of them and talking down to them? NO, you wouldn't. If you really liked someone, would you tell them"Your ugly and you smell terrible" and then expect them to say "Yes" when you ask them out? NO, you wouldn't. Pretty much the same thing in my book. So, to your point Ellen. When they decided that it was ok to talk down to their customers and made the decision that even paying customers with great credit were beneath them. They also decided that it was nolonger business and made it very personal. Especially to those of us who have been within earshot of their comments.

Look. I understand what you have all said, but I live in Charlotte. I eat lunch in the city club where the BofA execs eat often. I overhear many conversations and am quite frankly disgusted with what I hear. Those guys laugh about how they screw customers. They make jokes about laying off their employees but still getting to keep their tax breaks they were given for hiring them in the first place. They treat it screwing customers as a game of I'll screw you over and if you don't like it then I'll screw you harder. Shareholders without a ton of shares don't see it, and shareholders with a lot of shares don't care as long as they are continuing to make money.

For the people who intentionally or irresponsibly didn't pay their debts thats true but, for the OP they tried and got behind. The banks have a large part in that with faulty lending practices, corruption, and lets not forget that it was banks like BofA that have alot to do with the economy taking the dowturn that it has and caused people to lose jobs and not be able to pay debts.

Ellen67, you must work for BofA. I'm assuming you aren't one of the ones who lost there job during the recent layoffs. You seem to have no sympathy for the person who posted this complaint. Lets not forget that it was the corrupt dealings of the large banks that screwed up the economy in the first place and caused good people like the kind soul who posted this complaint to lose their higher income. I have no sympathy for the banks who did many wrong things and then got bailed out, then did more wrong and are now srewing their customers as a result. If you sympathise with the banks, you fix them and give them the money they need to get going again and let me know once you've accomplished that. The same goes for all of you that sympathise with the banks. I would, but I live in Charlotte. I have eaten lunch at the city club where the BofA execs eat and I overhear there conversations. They aren't concerned about you or their employees. Only themselves and their paycheck. Its not business to them, Its a game of I'll screw you and if you don't like it then too bad, I'll screw you harder. I know a lot of corporate execs that really do care about their employees and customers and are truely, deeply affected by layoffs, quality issues, and anything else that is negatively impacting people but I can attest that these large banks absolutly do not care about anything but taking your money and laughing about it over drinks that are paid for by the money they took from you or given to them in the form of tax breaks that they negotiated to keep after laying off 5000 people.

CB is a subsiduary of my3cents.

TD - Go play in traffic.

My mortage was countrywide, which is now Bank for America. I have miss 4 month payment on my loan due to lost of one income. MY house is a co-op apartment with a mortgage payment of $ 1, 088 per month with a maintance fee of $ 1, 060 per. I call Bank of America and stress my situation and ask for help, they denie me serval times and one day i recived a letter my Bank of America for Forbearance for six month. I did not understand what it meant untill, i got a lawer to speak with bank of america on by behalf. My lawer said that he spoke them and they are not willing to help me. Beacuse I did not sign the paper and sent it back to them and that my first payment was due in october 1 2009. Forbearance is a tempory relief, my situation is not temporary it is permanet. Forbearance agreement and repayment plan is not the best intrest for eithe party. Why can Bank of Amercia help modifie my my loan. I am willing to let go of the house, i am better off renting a apartmet. I think Bank of Amercia is the worst bank for helping people stay in there home, why are they giving people a hard time when the goverment help them with tax payer money.

Bank of America has been giving me the run around since August of 2009 about my loan modification, no one seems to know where my papers are or what my status is, after sending them W2, letter of hardship and everything else they needed. Some under writer named Jenny Palmer is suppose to be getting back to me and never does, They have been telling me to call back, once when I called they told me I didn't qualify now it's a new story, can't get any answers from these guys and they are not following any government program for modifications, I need real help is there any real help against BOA?

Bank of America agreed and promised to a loan modification on our home FOUR months ago. We keep making our payments on time---the old higher payment that is---and they will NOT complete the loan paper work. When we call Bank of America we are given the run around---they have not even assigned us a representative for contact purposes! Bank of America is evil!
Bank of America had no problem in accepting the bail-out money from the U.S. government that they used to increase their pay bonuses!
We have been ripped off by this corporation called Bank of America! Now I know it is best to use small regional banks and credit unions---smaller fees, good customer service, and the very same FDIC insurance that big banks boost about.
I may have been a fool once...but never twice. Do the same thing and help your county out by using small local institutions...and not the "big" lying greedy companies.

When I applied for a Bank of America loan modification they told me that I was pre-approved for four months, that the new payments replaced the old payments for the next four months and included all principle and interest.

Now I'm getting bills for the original amount plus late fees, noting the agreed upon payment as a 'partial payment.'

This is how I feel about what BofA and these too big to fail banks potentially did to us:

Song: Piggies by George Harrison

Have you seen the little piggies
Crawling in the dirt
And for all the little piggies
Life is getting worse
Always having dirt to play around in.

Have you seen the bigger piggies
In their starched white shirts
You will find the bigger piggies
Stirring up the dirt
Always have clean shirts to play around in.

In their sties with all their backing
They don't care what goes on around
In their eyes there's something lacking
What they need's a damn good whacking.

Everywhere there's lots of piggies
Living piggy lives
You can see them out for dinner
With their piggy wives
Clutching forks and knives to eat their bacon.

I have been a loan client of Bank of America since 2008 after they absorbed my original loan company, Countrywide Mortgage that my mortgage was with since 2001. I have always had an impeccable payment record and never missed a payment. Since the housing market crisis last year, and as has been the case with many others caught in it, the mortgage on my home has surpassed its current market assessed value.

As a single income mother with 2 young daughters, and due to the loss of child support income, I proactively sought your assistance and applied for a loan modification with Bank of America at the beginning of this year. I had submitted my original application on January 27th, 2010 but sent my February mortgage payment in full which was received on February 5th, 2010. It was not posted until February 19th, however, which apparently made me delinquent. The cancelled check does show it was received the first week of the month, but it was placed in a forbearance account and not entered into the record.

I was informed that I pre-qualified for a loan modification and was placed on a trial plan for a three month period. I went ahead and paid the modified trial payments of 1208.37 for the months of March and April. Not having heard anything about the status of the modification, I contacted your institution on April 15th to inquire. It was at this point I was informed that the application had been denied the previous day, April 14th stating I was not in imminent default. I never received a denial letter and I was advised that, despite all the money sent in during the trial period having been received, my account was now showing as severely delinquent.
I was then told that I would be referred to a different department of Bank of America who would see if I qualified for an alternative program. I was to receive an application packet within 2 weeks. Nothing was ever received. I recontacted Bank of America again and was told that I would receive something within 10 days that the bank was backlogged with applications and they would send it out.
Again, nothing was received.
When I called back, I was now informed that, due to the loss of child support not being considered a qualifying hardship, the timeframe to work out an alternative solution had expired and I was in arrears in the amount of $3800 which would be required immediately to bring the account current. Not to mention I was told to “try to make it a year in the house and I could apply for a mod again at that time”.
I explained that I could not afford this amount which was the reason I attempted to be proactive and contacted you at the beginning of the year in the first place.

Instead of working with my situation, I feel I was set up to fail just so your company could foreclose on my property despite all my attempts at wishing to work out an amicable solution. I now have to move my self and my kids all because I attempted to proactively save my house but you didn’t feel I was at risk of hardship nor did you feel my loan was worth modifying to keep my family in our home.
I don’t understand why the trial payments were good enough for the trial period which was put in place to see if I could make the payments, which I could in a timely manner yet I was still denied. Why set up the trial period payments with a borrower if you are just going to deny them at the end of the period. That’s what the program was intended for correct?
The making home affordable plan was designed to help homeowners keep their homes. I also understand that the government helps the mortgage companies who help their clients. I have been making this mortgage payment for over 10 years without 1 late payment ever and when I needed the help you were not there to assist me.
When you have a borrower able to make those trial payments and fulfill the loan obligations on the property it makes no sense that you would deny them and take on a foreclosure. When I entered into this I was not delinquent, my loan was paid on time every month. Once entered into the program I was then delinquent and denied. The modification states that once the trial payments are made that the loan would be modified and the payments would continue at the rate the trial payment was set at, not to mention if your mortgage was over 31 percent of your income you were eligible and my income is 52 percent of my income yet I was denied. I do not understand the practice here.
I will let people know of my experience with your bank not that it will make a difference to your institution but other people need to be aware that you do not help those that actually need it. We will be moving but I just wanted you to know this was one home you could’ve helped save from foreclosure.

I recently applied for a loan modification from Bank of America. My loan was originally from Countrywide and was sub-prime. I followed all their directions and was denied. I qualified under all the programs and now my options are a short sale or turn over my deed but keep making payments according to them. To me it's like making opayments for the Titanic. The house is worth way below the mortgage and due to my ex-husbands neglect while we divorced is far from sellable. Bank of America was given an huge bailout and has the worse record for helping homeowners. We need to ban together and fight back so everyone who has money in Bank of American knows what a horrible bank it is. I would think they would want my $1200 a month instead of foreclosure on a house they will lose a bunch of money.

I have been working with BOA since March 2009 for a loan modification of my mortgage, since Countrywide sold my mortage to them. I have a stack of paperwork that was faxed to them over this period that would make up 2 Honolulu directory phone book. Each time I called them they passed me to a different negotiators and stated that they don't have any papers that I faxed and to faxed them again, mind you this is the 40th time faxing over the same paperwork. In December I notice that my interest statemet was way less than my 2007, only to find out my mortgage payment was put in a misc account. They claim they do that when you are waiting for a loan modification. Can you believe this $16, 000.00 of my money is a misc. account. I immediately threaten them and told them that I was going to report them to the IRS, they were collecting the interest on my money, that same day they applied the $16, 000.00 to my account. Finally in March I spoke to Robert Procell and he said well looking over our paperwork we did qualify for the Loan Modification and that he will sent the paper to us. On April I contacted him, and stated he sent my paperwork to the automated system to approve and I should have gotten the paperwork on March 17, we I still have not received. I then asked if I would also qualify for the National Home Retention Program, and he stated yes. As of today I still have not received any paperwork, every week I call BOA and again ask me to send more paperwork to them. What kind of f*&#$^% games are they playing. Finally my husband and I complained to the CEO of BOA, he then assigned another negotiator, which then passed on to another and another. Now mind you I have being doing this for over a year. Well we are now with another negotiator who is asking us for more paperwork and a monthly expense, she states list everything down, even if you purchase a stick of gum. Well I listed my cigaretts as park of entainment, she then states President Obama won't approve the cigaretts, I asked her if she spoke to him...haha. Why don't you ask him, since he is a smoker. One week later she calls and states that Making Home Affordable program would put us in paying $3900.00 a month, $1300.00 more than what I am paying. I laugh and told her for that kind of money I could live in a mansion on Hawaii's beaches. Ask them for your original deed and closing documents, they don't have it. The federal govement should shut BOA down, they are ripping everyone off, very poor customer service, rude, talk down to you. Just watch the news on the bad things that BOA is doing to everyone. Write to you congressman, the senators and even Obama if you have too, I will...Check out piggybankblog.com

Our mortgage was transferred to Bank Of America, shortly after we entered their loan modification program it has now been a year and a half. We have complied with all the requirements several times I might add. For a year and a half we have gotten no results we hit a brick wall almost every time we called.With only one income in our household for a greater part of being in the program.Two weeks ago I called for status update on our latest submittal in late April they told me it was in the hands of the underwriter and to call back in a week or two to get an update.
Just yesterday I called and got three reasons why we were no longer in the program anymore 1. I declined the reduced rate that we have been waiting a year and half for ? 2. We were 20.00 dollars short on our last payment which automatically takes you out of the program even the customer service agent was baffled by the reason after he read it off his monitor. 3. We opted out of the program I asked when( no reply...I asked by whom (no reply just that there information couldn't be wrong?. Then I am put through to Hailey in the retention department who assures me that if I just resubmit all of our information we would be put in back into the program I asked how long would the process take another year! After getting ripped off for by a loan modification company for2, 500.oo dollars prior entering the Bank of America. We trusted bank of America although my wife had second thoughts I told her after all its Bank of America they have a good reputation and have been around for a while. What will happen to our home now? Thanks to all you companies who walk your talk (right)

In February of 2010 I missed two payments with Bank of America on my mortgage. In April BOA sent me a letter requesting that I chose from the options they provided two help with my situation. I actually selected two options and put my house on the market and try to do a modification on my loan. BOA sent me the necessary paperwork to do fill out for the modification, I set the first group of papers back in May. then in May they requested more info which I returned by June 23, 2010. On July 12 I received a letter from an attorney in Addison, Texas that they had been hired by BOA to put my home on the Auction August 3rd and I would be foreclosed on. At first I thought there was just an error made at BOA and I could make the necessary phone calls to correct it. For the next 3 weeks I would spend approx. 25 hours on the phone with BOA and try to solve it. Many agents would tell me I was still in modification and they would request a urgent stop on the foreclosure. Others would tell me that they did not get the paperwork from me that was Fed-Ex to them and they were foreclosing on me, they would finally find it and then they would try to request a stop. Quite a few had no idea how I ended up in the foreclosure dept. After all said and done no one could help me, I did everything that BOA asked me to do, my modification was never even completed. I lost my home on August 3, after being divorced three years and making payments by myself that totaled over 100, 000. I was going through my 401 and knew I had to make a change. I thought the gov't used our tax dollars to pay the banks to help us out, what a joke. BOA just took the money and they are not helping and doing what they were suppose to do. By the way I am still in modification, I received another letter the other day asking for more information. Someone at the bank told me "BOA had the right to do a foreclosure during a modification if they chose to" so what's the point. If I had known my house was going to go to Auction maybe I would of chosen to pay my mortgage, but I was not given that option. You know what's really sad I know in my heart I did everything that BOA asked and they broke a federal law but there is nothing I can do about it because BOA is to Big. The gov't doesn't care they just get away with it. I feel cheated and lost... Kathy from Texas

hoovers.com

Bank of America Corporate Contacts

Contacts in the corporate offices of Bank of America

The following are contact numbers and emails for the corporate office of employees whose job is to specifically address all complaints on behalf of the company.

If complaints are not answered or provided adequate attention, I would suggest going online and filing a complaint with the OCC, Office of the Comptroller of the Currency, the agency that regulates national banks www.occ.treas.gov/.

The corporate office MUST respond to both the consumer and the OCC. So if you are unable to get your issue resolved or feel there is questionable behavior or handling of accounts, I would go directly to the OCC or call/email a BOA manager. Better yet cc everyone on the list; calling is always a good option as well, as sometimes the issues can be resolved immediately.

Evelyn Upstill, manager
[protected]
evelyn.upstill@bankofamerica.com

Susan Smith, manager
[protected]
susan.a.smith@bankofamerica.com

Renee Holmes, manager
[protected]
renee.e.holmes@bankofamerica.com

Kasey Dressler, manager
[protected]
kasey.e.dressler@bankofamerica.com

Christina Yuschak, manager
[protected]
christina.yuschak@bankofamerica.com

Scott McGhghy, manager
[protected]
scott.mcghghy@bankofamerica.com

Cassandra Dejurnett, asst manager
[protected]
cassandra.g.dejurnett@bankofamerica.com

Norma Adams
714-579.8510
norma.j.adams@bankofamerica.com

Karin Herndon
[protected]
Karin.l.herndon@bankofamerica.com

Claudia Amaya
[protected]
claudia.j.amaya@bankofamerica.com

Bridgett Loya
[protected]
bridgette.m.loya@baml.com

Derek Kaltenbach
[protected]
derek.kaltenbach@bankofamerica.com

Celestina Burresch
[protected]
celestina.burresch@bankofamerica.com

Andrea Lowry
[protected]
andrea.m.lowry@bankofamerica.com

Yvonne Gonzales
[protected]
yvonne.gonzales@bankofamerica.com

Janelle Worthen
[protected]
janelle.worthen@bankofamerica.com

Adriana Valdez
[protected]
adriana.m.valdez@bankofamerica.com

Kerrie Roberts
[protected]
kerrie.a.roberts@bankofamerica.com

Carlos Pena
[protected]
carlos.j.pena@bankofamerica.com

Asuncion Ngaosi
[protected]
asuncion.c.ngaosi@bankofamerica.com

Additional #’s

[protected]
[protected]
[protected]
[protected]
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FIA CARDSERVICES, owned by Bank of America. STEALING! Autopay on closed account. When you take something that doesn't belong to you that is called STEALING! "If it walks like a duck & quacks like a duck it is FIA CARDSERCVICES STEALING FROM A CLOSED ACCOUNT WITH A ZERO BALANCE!

Paid Balance to zero on 5/13/08 and allowed payment to clear; closed account afterwards via phone and got a letter stating account was closed. On June 3, 2008 -- FIA CARDSERVICES did an autopayment on a closed account with a zero balance. The rep told me they could send me in check in a few days. She said it was my fault because I didn't go into the CLOSED ACCOUNT online and undo the AUTOPAY. I asked if AUTOPAY was another company, she said no. I asked then why couldn't one call close one account and all that is on it? She said it all depends... and went on and on with a litany of possibilities -- AND NONE OF THOSE POSSIBILITIES included "reversing the erroneous payment." I have to wait and get my money in check form though they got theirs in immediate electronic form. My bank had me to fax a form from their site and they reversed the charge and put the money back into my account. But that leaves next month. Oh yes, 60 days after closing the account the autopay will take my money. THAT'S STEALING!

CITI BANK did the exact same thing but they didn't bother to tell me about canceling autopay separately. The check took seven days to get to me. I am disabled, on limited income and was about to buy groceries when I thought to check my balance. I AM LAUNCHING A NATIONAL CAMPAIGN TO HAVE THE AUTOPAY STOPPED WHEN THE ACCOUNT IS CLOSED, especially if the balance is ZERO.

Agency to contact and file complaint:
Office of the Comptroller of the Currency (OCC)
Administrator of National Banks
www.occ.treas.gov
email: customer.assistance@occ.treas.gov
[protected]

Bank of America runs a scandalous business based on fraud, theft, and greed. Yesterday I checked my account being that payday is literally around the corner. Shock, awe, and surprise do not even begin to describe what I felt when I saw my account was overdrawn by $219.95. On April 30, my paycheck was directly deposited into my account. So far, it's all copacetic. On May 1, I make 2 purchases and a withdrawal. One of my purchases came with a $35 overdraft fee. On the same day I paid 3 bills online. Now I am aware of how this works. The payments don't always go through at the time you make them so I did what everyone does... leave the money alone. On May 2, all my payments went through along with a $35 overdraft fee on each. How do I go from having $400 in the bank to being overdrawn by $219.95? The bills I paid only amounted to around $200. So let's do the math.

Yesterday after work I went into a Bank of America Branch. I spoke to someone who obviously did not know what she was talking about. I was told that it is Bank of America's new policy to charge overdraft fees on pending transactions. So even though at the ATM the receipt stated that I had funds available, B of A still hadn't processed my direct deposit. All of this makes no kind of sense to me. How come I was able to withdraw $40 from the ATM if there were no funds available? How was I able to get gas if there were no funds available? How was I able to get my morning coffee and bagel if there were no funds available? By the way, I was charged a $35 overdraft fee on a $3.54 purchase at Safeway.

I am a poor, single working mom trying to keep a roof over my family's head and food on the table. How do you explain to a seven year old you're sorry but those new shoes they need just aren't going to happen or that the fridge is empty because B of A took literally half my paycheck in overdraft fees? To say that I am angry, furious, livid, again, is an understatement. Bank of America took food out of my child's mouth and I am enraged. Today I am going back to the bank and speak to the Branch Manager and let them know that they stole my money and they will be putting it back into my account immediately and I will be using every outlet to let the public know what they have done. If I had done this to someone, I would be behind bars.

Yesterday, Jul 23, 2008, I tried to open a CD account with Bank of America online, and in addition to all the standard information (name, age, SSN, address, mother's maiden name, citizenship, routing number and account number) I was also asked to provide my user ID and password to the -another - bank account from which the CD would be funded. Stunned, I called their 800 number and they confirmed that, since I was not an existing customer with Bank of America, I had to provide the user name and password to my account at the other bank, or else could not open the CD.

I strongly believe this kind of information should have been disclosed first-hand, to avoid me entering all my credentials in vain. And what happens now to all my personal information, since I don't even have an account with them, so Bank of America cannot be held responsible for leaking it out?

This morning I went in person to their local branch, and the manager was as surprised as I was to hear that I was asked the user ID and password to access my banking account at another bank. My going in person to the local branch didn't solve the problem though, since apparently they, the local branch), have no communication with the online banking department, other than calling the same 800 number I had called the previous day. According to the local branch manager I talked to, they don't even share the same database!

Needless to say, I would never open an account with Bank of America, if it means to give away my user name AND password to my account at another bank!

Piracy is the word best used to describe how we have been traeted by Bank of america. We have a credit card with 9% apr. We have never had a missed payment or have been late. After looking at this months statement the APR went up to an astonishing 21%. We called right away and here was their reply. In sept there was supposed to be a notice that if you continued to use the card the APR would go up. They must have put it in micro print because We never saw it. They also stated that their cost of business was going up.

Now we feel we are a victim of cooperate piracy. Our other cards are below 10%. So spread the word.

THIS BANK IS THE WORST. THEY CHARGE $3 PER ATM FEE IF YOU DONT BANK WITH THEM! THEY CHARGE YOU $6.00 TO CASH A CHECK THAT IS DRAWN OFF THEIR BANK IF YOU DONT HAVE AN ACCOUNT. THEIR CUSTOMER SERVICE IS HORRIBLE WHICH IS WHY I DONT BANK WITH THEN ANY LONGER. WHY IS THIS ALLOWED. I HOPE THEY GO DOWN BIG TIME. WERENT THEY CRYING THAT THEY NEEDED TO BE BAILED OUT TOO? ###...THEY SHOULD BE EMBARRASSED!

In September (2008) My husband and I were forced to take out another credit card to pay for our 1 month old sons funeral. He passed away from a horrible and painful disorder called CDH, he never even got to come home. Well because of him being in the Nicu my husband used FMLA to be with him as much as he could. We did not get paid for half of August and half of September. We then had to use the card to pay some bills, since we had no income for a whole month. We THOUGHT the card was no interest for a year, Thats what we applied for when they sent us the offer, but they gave us a different one instead I guess. Well we were close to the limit and the lovely finance charge came, and that put us over the limit and a fee was assessed. I called the company and got a real nice lady and she explained to me how to not let it happen again, I just had to make a payment of $100 within a week. I made $125, that way we would be ok. Well I logged onto my account and saw yet another over limit fee, for no reason, I was nowhere near over limit. So I called and got some ### (supposed Manager) and he told me that when your card goes over you have 20 days to fix it, I called on the 21 day. You see if you dont fix it in 20 days they charge you again. Well when I called the first time they did not tell me this. Had I not made that extra $25 on my payment we would be in a downward spiral of over limit fees. The 2nd "customer service" (I use that term lightly) agent could care less and said that they already gave me back one of the fees so they will not do it again, even when it is their fault for not telling me all of this info. If they would have given us the card they offered, the one we signed up for this never would have happened. I have a few credit cards and thought HSBC was horrible, think again, at least they work with you a little bit (besides that credit protection they keep "forgetting" to take off, but don't forget to charge us for) We have great credit but I am willing to hurt it a little by canceling my account with them. Horrible, Horrible customer service, if you can even call it that.

I would be curios to hear further response's to BOA's continued efforts to defraud customers in unfair marketing practices.

With reference to multi-state marketing offers encouraging new retail clients to transfer there business to BOA, it is amazing the verbiage on the 'net re BOA giving the customer the run around. The scenario: a $50 to $100 offer to open a checking/savings account etc, where BOA will make a deposit within 90 days of opening (naturally, if the client's account are in good standing).

From their, the client will start to wonder where his small "gift" is after it does not appear within 90 days. The banking centre will insist that it is coming in through US mail, just be patient. The customer call centre, while very helpful, will admit to not having any record of the offer associated with this particular account. The CS team online will note that if the personal banker (an oxymoron at BOA) did not enter the code at time of signup, the client is ineligible. Gee, that is one questions that I forgot to ask.

Who am I? Just another burned BOA customer going back to Dimon's empire. Just another customer with an 790 FICO, two mortgages (that could have gone to BOA), etc, who will now spurn those colors to all friends, business network et al, all 'cause of a lousy $50. The principle is what counts here.

I've sent the following to my representative and senator. I've also contacted BofA and been rudely dismissed. I've even emailed Ken Lewis (ken.d.lewis@bank of America.com) trying to at least engage him in conversation. Would love your help in bringing discourse around this matter to a public forum….see the note below….and thank you…. I'm writing you because you represent my voice and that of my fellow Americans in government when we feel we are being wronged. At this time, Americans are struggling mightily to make ends meet. Your efforts to fix predatory lending practices (especially in sub prime lending) have been noticed and appreciated. To that end, I feel that another predatory practice by Bank of America needs to be discussed in a public forum and addressed soon thereafter. B of A currently charges fees of $35 per charge when one tries to charge more than one has in his or her bank account. At face value, it may seem that this is a fair practice. I can understand the practice if someone is passing bad checks and a fee has to be assessed. But with today's debit technology, an automatic decline should be easy and free to the public. When one digs deeper, one realizes that this is a practice purely designed to unfairly gouge the American public through deceit and obfuscation. So, here's the policy…A $35 fee for each time a charge over your funds is ATTEMPTED. As an example, recently I unknowingly was making charges on my debit card when I didn't have the money to cover it. The charges were numerous but only totaled $23. That's $23. One charge was for $.27 cents…for which I was charged $35. B of A charged me over $400.00 in overdraft fees for that $23 overage. I called Bank of America to try to find some relief for these charges and was told no. Seems counter to the "flexibility" and understanding for families that the new administration is trying to get in return for billions in bailout dollars. Look a little deeper and the practice is even more disturbing: 1. You can't actually just get an option for a decline on your charge without the $35 fee. So, even if you don't have overdraft coverage, you will still be charged $35. Since technology has allowed banks to simply decline a charge, I don't understand how BofA can justify charging a $35 fee for each charge versus just declining it for FREE. 2. BofA says the only way to protect against this is to link a BofA credit card or a savings account to your overdraft checking. So, an over-limit charge is charged to your BofA card or deducted from you savings account. In both cases, BofA makes money….either through interest on your credit card or from service fees on the savings account that you are required to have. And, by the way, the overdraft service also has another fee associated with it. 3. As if that weren't enough, BofA recently increased the allowable number of charges per day from 5 to 8. That a $105.00 per day increase, per cardholder. The bottom line is that I don't want my money back from BofA (though they should have at least treated me better considering I hold six accounts with them). I, like the many Americans flooding blogs with similar stories, want justice. I would like this issue explored fully and for Bank of America to be called to answer for this unfair practice. The fact that American taxpayers in the US now own a $50B TARP stake in BofA (which only has a market cap of $40B, by the way), only makes our voices that much more relevant in this matter. Lastly, I will say that I firmly support Obama's call for Americans to be more responsible with their money. I was less than responsible for letting my account go overdrawn by $23. Thankfully, my wife and I make decent money and can cover this amount. Just think how American's with lesser incomes would struggle with this. Then realize that this a core profit center for BofA.

Since Jan of this year Bank of America took out hunderds of my money out of my checking account to pay for things on the web that I never did and so my rent check came back nsf and my last 2 paychecks where put in my checking account again think I took care of the problem will boy was I wrong and so I put my last paycheck in my saving account because I was told checking can not touch it so I went to the back to take my money out so I can pay my rent and start paying back rent and they took all of my money out of my saving and put it all in my checking and I could not touch it. I had no money to live on till my next pay day which I get paid once a month and now I'm being kicked out of my apartment with no where to go and no food and I still have to go to work. Thanks to Bank of America I'm now going to be homeless I'm just waiting for the police to come over and kick me out and do a pock out on my apartment. Do not trust Bank of America they will rip you off and leave you pennyless and homeless.

I have been getting text from this email Info7@boa4.com and they are telling me to call them because of a Security Notice . I've have talked to a representative of Bank Of America and she told me to report this Email to your department, to investegate it. Thank You. David Bermea