Bank of Americascam and fraud!

D
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I did a wire transfer using bank of america in baltimore MD johns hopkins branch to my own account in India using SWIFT codes. I was told that india is a slow to pay country and it takes about 3 weeks and no investigations would be don't till then. It has been 2 and a half months and it hasn't gone through. My bank in india has not received any information regarding this from bank of america and the bank of america is not willing to help. Every time i contact them they tell me that they are sending e-mail to the bank in india to find the status and that the money is in india and nothing can be done about it and it is possible that i lose my money. I have no clue as to how to go about it.

Responses

  • An
    andrew loebl Nov 27, 2006
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    Apparently MBNA was purchased by Bank of America. Those of us who had credit cards with MBNA seem to be having a lot of trouble accessing their statements on line. The web address: ibsnetaccess.com just does not work, no downloads. just a plain white page. I had two MBNA accounts, one Mastercard and one VISA.
    Too bad about this because there are a lot of angry people out here and I hope all will consider abandoning their cards.

    Bank of America is too big for its own britches.

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  • Ra
    Rah Apr 04, 2007
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    I have a Wachovia Visa and Master Card which used to be handled by MBNA. Now Bank of America bought them out and it has been a NIGHTMARE. So many errors and they put me on hold forever. I can't wait to pay it off and close my account.

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  • Bp
    B.P. Apr 10, 2007
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    I am paying off my MBNA MasterCard (best bank ever) as of today. After BOA taken over MBNA, it been like living in "hell".

    A total Nightmare!

    I do not want any part of Bank Of America...

    It's too bad a good bank (MBNA) taken over by crooks. I guess for right amount of money anyone will sell out.

    I now use my Discover Card and AMX. Good bye to $ xx,xxx.00 card that i have had for the past 20 years.

    Bud

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  • Ki
    Kimberly H May 31, 2007
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    I worked for Bank fo America for approx. 1 year. After exceptional employee performance reviews I was terminated for making a complaint about an atm machine. For about 1 week our building's atm machine was not working. I called the associate banking department to advise them of the situation since I was trying to deposit money all week and had bills to pay. Several of which I had mailed already one morning (mailbox right outside the bldg walk 5 feet through the door and there is the atm) but every time I went back to the atm there was a sign saying be back at 5pm, will be fixed in am, coming back at 3pm...etc. After the second day of this non-sense I felt I should be proactive and let someone know what was going on in case one of my bills was presented for payment. I called the associate banking department and spoke to a Chris Salazar. Not only did he accuse me of floating checks (which is not the case because I told him the mailbox is outside the bldg I work in then you walk into the bldg and there is the atm machine) he was totally rude, refused to let me talk to someone of authority, and sat there in silence for almost 5 minutes until I requested to be transferred to the survey in which we can overall rate our satisfaction of the call. Finally when I asked for the survey he transferred me to his manager. (obviously because he knew that what he had done was totally unprofessional) When I talked to his manager she was very nice and just told me to go to a banking center...(as if I didn't know what to do at that point.. seriously)regardless I still asked to be transferred to the survey. When I got back to my desk and told my manager what had happened he reply was "those ###"! Two days later my manager and the VP of the department said I was being terminated for using profanity with the associate Chris Salazar and his manager. I tried to explain again what had happened and was told not to go any further that this was done and over with!!! My manager didn't say one word about how I told her what had happened. I told them I wanted proof of this because they monitor their calls in this department. They couldn't provide any proof of course (because I never acted this was and there was no tape of the conversation) the kicker is that my manager Margaret Bailey brought me to her cubicle three days earlier for an employee review. HA she told me that I actually exceeded expectations when it came to interacting with other departments. BANK OF AMERICA IS A JOKE. THEY SCREW YOU WHEN YOU ARE A CUSTOMER AND AN EMPLOYEE!!!

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  • Gi
    Gina Reynolds Jun 22, 2007
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    On april 13, 2017, an employee at bank of america keyed in a charge on my credit card account. The charge was for $272.00. The employee entered the transaction number (9057) instead of the dollar amount of the charge. That translated to a charge on my credit card of $9,057.00!!

    As soon as i saw this charge on my bill (may 1) i contacted the bank. They told me that it must be a fraudulent charge and that i should close my acct. While they investigate! I agreed.

    15 days later, not a word from bofa. I called to check my balance and the $9057 charge was still on my account! Not only that, but interest charges were accruing, as well as an over the limit fee and late fees as i refused to make a payment until this was straightened out.

    65 days later, 23 phones calls and over 17 hours on the phone with bofa, and the charge is still on my acct.! They finally admitted to me how the error occured and assured me that they would fix the problem. 2 weeks later, nothing. I spoke to 11 supervisors! Re-telling the entire story over and over and over again!

    Yesterday i called to check my balance and the money was finally credited to my account! However, they did not credit all the bogus fees on my acct. Due to their negligence!!! I am still fighting to get the over $500 in fees back!

    I asked a supervisor if they could, at the very least, lower my interest rate to compensate me for the pure hell i have been through (and am still going through). I was told that there was nothing they could do for me!

    Do not, i repeat, do not use bank of america for anything! Credit cards, checking/savings, whatever! Don't do it! I have been a customer for over 10 years and they spit in my face! Additionally, during every single one of the 23 phones calls i have made to date, not one bank of america employee has ever apologized to me! They are horrific!

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  • Ju
    JUDY FAYE CANNON Jul 07, 2007
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    Extremely rudeness; recharged a $19.52 charge that her own bank had admitted a mistake. Was discorteous and not once said anything when i said if this was the way this bank operated, i would close my cd, checking and savings account. All they have to offer is... service. I don't even know this lady, but i have a master's degree in business (mba) and i know how to treat five year customers. There was absolutely no customer service skill displayed and she actually seemed happy to fill out the paperwork to close my five year account. Poor, poor customer relations skill.

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  • Ru
    Russ Easters Aug 09, 2007
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    I caution any one that has a mortgage with bank of america to be very careful! My dad and I share a mortgage with bank of america, and bank of america changes their billing address from time to time and if you do not receive an address change from them or you miss it in the mail bank of america does receive your payments but now it is at what they consider to be the wrong location and this department holds your payment and will not forward your payment to the new billing address. Then when you fall behind on your mortgage they foreclose on you! This is what happened to my dad and I had to file chapter 13 for him to keep his property! I make payments for my dad via online banking with my bank and my bank actually sent boa a letter asking them to withdraw their foreclosure proceedings, cancel any late charges applied to his account and restore his good credit because my bank had proof copies of all the checks that went un-cashed. They were sent on time but to the now wrong location because bank of america had changed their billing address and unfortunately for us we did not receive a change of billing address notification this time, yes they have changed it before but we caught it that time. The request from my bank was refused! Why? My bank told me straight up that this is how bank of america got to be so big! They deliberately change billing address from time to time and if you miss it for what ever reason bank of america then forecloses because they don't receive your payments! They receive the payments, but it's the wrong department and they just don't forward them! Proof? After chapter 13 was filed we received back one of the first checks that boa claimed that they didn't receive, it was dated pre-foreclosure! They just flat held it until the chapter 13 was filed then sent it back. Had I not filed the chapter.13 boa would have legally defrauded my 82 year old dad out the land he worked so hard for most of his life. If you have a mortgage with bank of america "be careful, be very careful"! Check up on your billing address at least every six months.

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  • Em
    Emilie Staryak Sep 18, 2007
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    I canceled my account with BOA several months ago and withdrew my money from the account. 2 weeks later they charged my empty account for the Privacy Source which is a BOA program. This of course put my supposed-to-be-closed account into the negative numbers. I don't get paper notices for the account so on a whim a few weeks later I looked at the account and had a huge negative balance. After making several phone calls over the next few weeks they canceled the charges and closed the account again. Somehow the account has been reopened again and I am back into a negative balance. I don't even have a card or checkbook for that account so how does it keep getting opened?! Service is also terrible- the original reason for closing the account.

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  • Jc
    JC Nov 15, 2007
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    I agree somebody need to do a class action suit on boa.. they are a big scam... any bank that gives illegal aliens a account with out a social security number needs to be taken down... I guess since they are Bank Of America It gives them the rights to do what ever they want GIVE ME A BREAK!

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  • Valerie Nov 27, 2007

    How does one by-pass the gatekeepers (the poor people who actually see and talk to customers but have learned double-talk and have no power to actually affect policy) to air complaints to policy makers at this or any big company? I suspect the answer is that one doesn't.

    One of my latest problems with Bank of America is that despite being told by a person who handled my equity loan a couple of years ago that I was part of a "linked" system of accounts and would therefore receive benefits such as not have to pay fees for online checking. Many months later, I was scanning my online accounts history and noticed $25 being debited monthly. I called the customer service line to ask about the charge. The representative replied that it was a mistake - that she would remove the charge. I asked if she would be sure to also remove any such prior charges; she said that she would. At that point, I trusted the problem was taken care of.

    In the last month, I again found a $25 charge. This time I e-mailed customer service and was told that in order to avoid the charge, I had to have $25,000 in my checking account. I went into the bank to talk to a live person. She pleasantly, explained to me that I was lucky to be "an advantage customer" (??what does that mean?) - then pulled up my account on her computer and said, "Here's the problem. The person who originally linked your accounts neglected to include your checking account in the linked accounts. I asked if she would be sure that all past charges were reimbursed.

    "I can only do that for 3 months, but I can connect you to Customer Solutions (on the phone)."

    I told her that I didn't want to talk to anyone else on the phone given my past experiences with "customer service" and asked for the name of someone at a level to be accountable for company policy. She went in to speak to her boss; he said he'd talk to me. After 1/2 hour of cooling my heels, I left.

    During my time of waiting, another unhappy customer arrived. His complaint was about the double talk; apparently he hadn't chosen the right designation to be given optimum interest on an account. I don't know what the representative said, but he responded, "what do you mean by "relationship customer?!!" I've been coming to this bank for 20 years, and I don't have a relationship???... I DO have $30,000 in accounts!"

    I think he should feel lucky he wasn't an "advantage customer" like me. The big banks are pulling scams like the credit card companies, I guess. Bank of America gives out lollipops and asks about your day, but if you don't know their language - don't know the right questions to ask, they are definitely not there to help people make the best money decisions.

    People I work with suggested I find a smaller, more personal bank. I used to go to smaller banks, but they all get gobbled up by the bigger, meaner banks.

    I've over stayed my talking time, I'm sure. Thanks for the venting space.

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  • Do
    dolores belser Dec 02, 2007
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    My 19 year old son has a BOA checking Acct... no checks only a debit card... he's pretty good at keeping tabs on this account online... but yesterday he was charged 175 dollars on an overdraft of less then 24 dollars.. I have a debit card from my bank (not BOA) and if I have no money in my checking and use my debit card it'll decline it, which is what I thought it should do.. that is why people like debit cards I do!, anyway I came to a conclusion why its not the case with BOA... they have it set that way so even a $1 overdrawn incurs a $35 fee ... now that is extortion! no friendly reminder electronically to inform your balance is low!

    In my sons case they charged it 5 times... telling me its set that way it never declines a debit card charge.
    I have written online to customer service but I feel it will fall on deaf ears... the kid will pay it from his next paycheck and close his account.

    Thanks

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  • Ro
    Rob Kay Jan 10, 2008
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    I had recently applied for the no fee mortgage plus with Bank of America. They had their advertisement every corner of the street and they told me no PMI, appraisal fee blah blah... It took me a solid four weeks to get all the formalities done as per the guy who was assigned to me (Mr. J). After that came the appraisal. After a couple of days I get a call from Mr. J saying that the appraisal was $60,000 shorter than the value I had quoted.

    I was wondering how could this be? He tells me something might be fishy about the seller!!! I was damn convinced about the value as I have been living a few blocks from the property for the past 5 years. No amount of evidence I provided could make BOA change its stance. I was stuck, everything got stuck, thrown out of whack -all my remodeling plans. Thanks to BOA.

    If BOA didn't want to give a loan to me they might as well come out and say instead of finding some ### fault with the appraisal etc. I got it financed through Wells Fargo now. It took one week exactly to complete the formalities. The APR everything was more or less the same. I apis $400 for appraisal - no biggie.

    Stay away from BOA.

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  • Ro
    Rob Kay Jan 10, 2008
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    Oh! I forgot to add, my credit score was greater than 810 (Fair Issacs)! If this can happen to me I wonder how they treat people whose credit score are below 800.

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  • To
    Tom Smith Jan 28, 2008
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    we offer loans to individuals and corporate bodies who are in need of money to improve their business. we give mortgage, car, personal loans. contact Tom Smith from the website www.markilo.netfirms.com for a loan. or on email [protected]@yahoo.com

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  • To
    Tom Smith Jan 28, 2008
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    Barclays Finance needs people in the usa and canada area that have equity line of credit or e-trade account that will enable our clients customers in the usa and canada area to receive money on their behalf and takes a commision of 10% at each receipt. contact Tom Smith on [protected]@yahoo.com for more details.

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  • To
    Tom Smith Jan 28, 2008
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    Barclays Finance needs people in the usa and canada area that have equity line of credit or e-trade account that will enable our clients customers in the usa and canada area to receive money on their behalf and takes a commision of 10% at each receipt. contact Tom Smith on [protected]@yahoo.com for more details.

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  • Mi
    mistygirl06374 Feb 12, 2008

    They are incorrect that there is nothing they can do for you. When fraud happens to you it is supposed to cost you NOTHING. This was a keying error made by an employee and until they admitted what had happened, it was a case of fraud!!!!!

    To NOT refund fees that were derived from their mistake is illegal. I DON'T CAREs WHAT THEY TELL YOU. And as long as they t hink they have the bluff on you, they will screw you over!

    Get a lawyer, even legal aid lawyer. Don't let them get you.

    Also, I am beginning to wonder if half their "poor customer service" isn't that way because half of their employees aren't ripping off the customers. Sometimes, when you cannot get a problem like this dealt with....it is within the company.

    Either that, or I am beginning to wonder if their sudden love for "illegals" is in any way connected to funding of terrorism. WHy else would you want to give illegals credit cards? Keyword here: ILLEGALS>

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  • Sh
    Shirley Chow Feb 25, 2008
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    When I first transferred my balance, they told me the rate would stay 3.99 until the balance is payoff. I did transfer over $20K balance about 7 or 8 months ago. Two months ago, I asked them if I needed to xfer another $ 2017, is the rate still the same until I pay off. They replied yes, so I transferred the 2k. This month, when I received the statement. It went up to 15.99, the min. payment went up from approx. $300 to $ 600. I called they said they never offered this kind of rate until you pay off. The rep. said that he could lower it to 10.99, but I still had to pay the 15.99 for that month. So I asked him, how long this 10.99 will last? He said until you pay off the balance and maintain the account in good standing. Isn't it contradicting to what he said before?

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  • Ch
    chris Mar 02, 2008
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    Yes, we will contact you immediately. We have learned nothing from being stung and require further abuse to drive the point home. We deserve what we get, right?

    Thank god for your assistance to save us all.

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  • Ch
    chris Mar 02, 2008
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    Delores,

    I feel for you, but you are mistaken. A debit card, yours or his, will not decline on a point of sale purchase. The old days of decline when ATMs were new, are over. They will go under and debit in overdraft every day your over.

    Your card would not stop at $0, I assure you. They have made it much harder to train kids and teens and young adults to adapt to the checking because of this.

    There are some banks that have a very generous minimum requirement for young adults (like college, etc) student accounts. They require like $200-$400 on a debit for buffer only and will sound the red flag when that is broached. You can set up email alterts, too, but if hes a fast spender, the email will take about 24 -48 hours to get to you, long after he went negative.

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  • Valerie Apr 25, 2008

    I hate the fact that they would hold the pending transaction for 2 days it messes up my balance. I also hate the fact that they would clear big amounts first before the small amounts. Imagine if you have 6 pending transaction and another check is coming into clear and you don't have enough money to cover the pending one they will first pay the big ones before the little and charge you $210 dollars for that 6 transaction. $210 is going into their pockets. I hate Jonahtan Gilber #1580 He's the manager of customer service at Bank of America who will not reverse 1 nsf fee.

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  • Valerie May 19, 2008

    I apply for a loan with BOA and they lied about the interest rate they reassured me it was going to be 8.99, and it was 15.99 They lied I kept asking if the interest was ever going to change and she said no that it would stay at this 8.99 and when I got statement the interest was 15.99 not the 8.99 as promise, my Husband called

    The Supervisor would not let my husband get a word in and he had to asked her to stop talking so he could tell what the other lade had said.

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  • Ja
    Jack Turken Jun 11, 2008
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    We had a CD with Bank of America that apparently was scheduled for roll-over the first week of June, 2017. No notification was sent until [protected] when we were out of town. I called the officers telling them that less than two week notice of renewal was not standard, especially since the rate of return offered was considerably lower than comparable banks. The bank officials I spoke with were completely inflexible despite their agreement that the usual time of notice was at least twenty days. The penalty to terminate the CD would offset any gains in placing the money in another bank. I will NEVER deal with Bank of America again.

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  • Valerie Jun 27, 2008

    We got overdraft in our BOA account and instead of them letting us know they charged us $35 for every transaction! Most of which were between $2-$5 transactions! My husband calculated that for $22 in overdraft they charged us $250!!! I do all my banking online and check it every couple of days! When I checked it the morning before it was fine! We called them and they stated that it kept letting us post transactions with our debit card because the payments were pending at the time they were run as credit. So the next day we end up paying nearly $250 in fees! We finally got notices in the mail a week after they had already charged us. They couldn't call us and let us know. I am PISSED! And I will deffinitely change the bank!

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  • Mi
    mike g Jul 02, 2008
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    I've been banking with bofa for over 10 years now. Last week I received a letter informing that both my personal checking and business checking accounts were closed. No explanation was provided as to why. The only phone number provided was [protected]. I have called this number every day trying to get a hold of someone, but noone ever answers (even during their stated business hours) and noone ever returned my messages. I had the local branch manager look into this and they were not able to get any answers either. This is absolutely ridiculous! Bank of America is run like a scam.

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  • Valerie Jul 15, 2008

    At the advice of a credit counseling service that is non profit I made arrangements with the 5 credit card companies I had cards with. BOA is the only one that is not paid off in full to this day. They actually collected 300.00 per month for one year while they decided whether they could accept the agreement. None of which went for the balance. I have paid over 5000.00 and still my balance has not gone down. It is the only card service which was unwilling to work with me to get my debt paid off. They are predators.

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  • Valerie Jul 18, 2008

    We took advantage of the supposedly interest free offer we received in the mail. There was a fee of 3% for the balance transfer, which was unusually high since it had no cap, but not unheard of.

    When we got our first bill, there was 21.24% interest charged on the loan fee of $360. It was on the bill as a cash advance. I thought it must be a mistake, but no, they informed me that's what they intended. And the interest started accruing from day 1 of the advance. Isn't that cute? So for $3.60/month in interest they have royally pissed me off and I will tell everyone I think might need to know about this ridiculously greedy practice. One would think that with their bad rep in the news these days, they'd realize it's counterproductive to nickel and dime their customers in this manner.

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  • Je
    Jennifer Jul 21, 2008
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    No, it isn't contradictory. The 3.99% is a promotional rate. The 10.99% rate is your purchase standard rate; he was just able to lower it from 15.99%

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  • Am
    AmberK11 Jul 21, 2008
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    My boyfriend and I had just moved to California in February. We were banking with PNC in Pennsylvania and they aren't located in CA. I went with BOA because that is where my job banked so I figured that it would be easier. There was also a $75 coupon in the Val Pak for new checking accounts. So I went to the office, set up my accounts and he stapled my coupon to the back of the paperwork said that it would be there in my account in about 30 days. So, 30 days rolls around- nothing. 60 days rolls around- nothing. I called the number that is on the website and heaven forbid I speak to an actual person- I finally get to a person and they said that unless when he set up my account, he entered the code- they can't do anything about it.

    I am in the process of looking for a new bank- all over $75 that they won't give to me.

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  • Ka
    kat Jul 22, 2008
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    my boyfriend received the same letter, dated July 15th saying his account is going to be restricted in 21 days and closed 7days later. We took the letters to the bank, the rep called and got no answer. All he could say was it was N. Carolina #? and to keep trying. We called and there was only an answering service, saying to leave a message with name, #, and description of phone call. They called him back and said they had no idea why the accounts will be closed soon, just said "maybe they just want to end their relationship with you." Regardless of if this is a scam or not, he is closing his account this week. The reps at the bank should be aware of all the potential scams that are out there and protect their customers!

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  • Valerie Jul 23, 2008

    I went to the Bank of America branch in Lilburn, GA on July 22, 2017 to make a deposit consisting of some cash and checks. I am a server so I have a lot of ones in my deposit but I counted them in to two stacks of $100 consisting of mostly ones but some fives. I counted the money at least 4 times to ensure it was 100% right.

    I went through the drive through window to make my deposit even though I thought it probably wasn't a great idea to deposit cash through the drive through. I sent my money to the teller and a couple of minutes later she says that the cash only comes out to $196 and if I want to make the deposit I will have to give them an additional 4 dollars.

    I tell the teller that I have counted the money numerous times and tell her to send the deposit back. I pulled forward to recount the deposit and magically $4 in cash is missing. If she was going to steal I would think that she would have at least been smart enough to steal an even amount. I know it is just $4 but it could have been a lot more.

    I went in to the bank and closed my account where they proceeded to tell me that I should keep the account open and just do business at another branch. What a joke, what is wrong with this bank that they would rather loose me as a customer than get the $4 from their teller and keep the account open. They can have the $4 but I am taking my account somewhere else.

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  • Valerie Jul 23, 2008

    I want to complain about the "new" ATM's that are at my branch. These new machines do NOT allow for any privacy for deposits or withdrawals.

    If I dont complain about it, then nothing gets done to change these machines back to a secure screen. I have forbid my wife from any transactions thru the ATM because anyone behind you or even to the side can SEE exactly what is on the screen.

    Also with the scanned deposits, anyone that may loose that transaction sheet could have issues with all the names/addresses/phone numbers that show on the screen receipt.

    Did ANYONE at bank of America even think all of this thru, I have only 10 mins with the machine making a deposit and withdraw and seen all these security issues!

    I would like a response back letting me know if this is how it is going to be with the ATM, (unsecured) because if it is, I need to re-think our banking. (And I do know that Bank of America doesnt care of the people that have been with them for 37 years.. just another account, to BofA)

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  • Valerie Jul 24, 2008

    I have been banking with BofA for 15 years. Recently the grossly overpriced fees have been getting to me financially. A few months back I was late on two payments to a credit card held by BofA. About two months later the bank closed the account and raised the minimum payments from about $700/ month to $1900/month. Well, now I am unemployed with no way to pay them off. Now they are sending me to a collection agency after "trying to help". If they had not closed the *** account in the first place, I would have been ok. Do not bank with this company, when times get rough they send their henchmen to get their money with no regard for the consumer.

    My wife and I would have been doing well, except for this housing crisis caused in part by the *** banks giving everyone in the world credit and mortgages. Now they are getting the *** credit card holders with only minor blemishes.

    Soon, I will be closing my other credit and bank accounts with bank of America. Adios to you BofA. Thanks for cleaning my family and many others out of their hard earned cash.

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  • Valerie Jul 28, 2008

    The other day I looked at my Bank of America checking account and found out that I was $19.00 overdrawn on my account. Four transactions had caused me to go over only $19.00. I couldn't figure out why I had gone over so I went back and looked at my statements and found that back in May 2017 that I was charged an overdraft fee, yet my account never showed to be overdrawn.

    I went to talk to the branch manager, but he was out of town so I talked to one of the Banks financial managers. He told me that it was because I had gone over my limit. My account showed to be in good standing and he said that was because the same day that I went over that I made a deposit, but the deposit was after I made the transaction.

    For years, Bank of America has maintained that if you are able to bring your account current before anything posts that you will not get any fees. However, the financial manager told me that they had just introduced a new policy stating that if you go over your limit you will get a fee and it doesn't matter if you get funds into the account the same day or not.

    After this I showed him that the same thing happened in June 2017 where I went over and brought it current the very same day, yet there was no fee assessed. I asked him why I got a fee in May but not for June and he could not tell me. He told me that I would have to talk to the branch manager, the one who was out.

    I came back and tried to talk to the branch manager but he was still out. So they told me to talk to the second financial manager who told me the exact same thing as the first, but like the first person I talked to, as soon as I presented my case about doing the same exact thing twice but only getting a fee the first time, she just threw up her hands and told me that I needed to talk to the branch manager.

    I came back into the bank the following Monday to talk to the branch manager, yet he was still not back and I was told that he would be the next day. By this time the four transactions that caused me to go over by $19.00 had each received a $35.00 fee so my account was now over by $159.00.

    I went to another local branch and talked to their branch manager. After presenting my case to her she sided with me and said that I should have not gotten any fee back in May. She told me that she would credit me back the $35 dollar fee from May. Now I thought that this would automatically cancel out the others. After all, if I had not gotten the $35 dollar fee back in May by account would have been in the positive by $16.00 and I would have never gotten the other four fee's. However the next day when I check my account, not only was my account still over, Five more transactions had come in over night and each one of them had a fee of $35.00 tagged on to them. So now my account was over by almost $400 dollars.

    I called the bank and told them what had gone on and that I talked to a girl named Debra, a branch manager, who said that she was going to remove the fee from back in May. I asked why it did not erase the fee's that I have currently and I was told that all fee's had to be removed manually. I asked if I could get the others removed and I was told YES. I was placed on hold and after a few minutes the person comes back on the line and tells me that his computer will only allow him to remove 3 of the fee's. I asked him why and told him that if I had not gotten the very 1st fee then my account would not have gotten 4 more fee's which caused the $140 dollars in fee's to come in which in a chain reaction caused 5 more transactions to come in overdrawn causing $175 dollars in more fee's. The person that I was talking to told me that they understood my situation but that they could not remove any more fee's. By the time that I got off the phone it was about 5:30 and my local branch was closed so I decided to go back into the local branch the next day.

    The next day I go into my local branch and talk to the branch manager who was finally back from his vacation. I talk to him and tell him my whole situation. My wife also had come into the bank with her payroll check which would have put us way into the positive but only if the fee's would be removed. If the fee's would not be removed then my wife's entire paycheck would get eaten and we would have still been in the hole about $150 dollars. After talking to the branch manager, he too sided for me and said that he would remove 'some' fee's. He too said that the computer would only allow him to remove 3 fee's and that I would have to call the bank call center to get all the fee's removed. He told me that the call center had the power to remove all the fee's but that at the bank they did not. I don't understand why he did not call the call center for me but whatever. I asked him why I had gotten the one fee but not the other and like all the rest, he tried to explain what he 'thought' might have happened, but wasn't for sure. He even told me, just like the first manager that I talked too, that if I am able to bring my account current the same day that my account goes over that I would not get a fee. So did I cause my account to go over, YES and I admit that, however as soon as I realized it I brought my account in good standing the very same day by depositing money back into my account. This I was told would not have given me a fee, yet I got one. Remember that I went over and brought it current the same day both in May and June, but only got a fee for May. Remember that my statement also shows that back in May that I never went overdrawn on my account because I made this deposit. Same thing goes for June.

    I called the call center again and talked to a woman and explained to her what was going on with my account. She refused to refund any more fee's because she explained to me that I have had over 20 fee's removed off of my account in the past 3 months and that there was nothing she would do about the current situation. I asked her even if 2 different branch managers had decided that this current situation wasn't my fault and all I got was an 'I'm sorry, there is nothing I can do'.

    Let me back up. I'm sure that your wondering why she said over 20 fee's. True, however two months ago back in May my niece had a baby. My wife and I went to the gift store and bought a $7.00 stuffed animal for her and the newborn. When I checked out a local volunteer, an elderly woman about 95 yeas old had checked us out. Mistakenly she charged my account $700 dollars instead of $7.00. Mistakes happen and I know this so I wasn't mad because I knew that it would all work out and that any fee that I got(because my account was now overdrawn) would get credited back to me. I went and talked to a hospital manager and she immediately refunded the $700 and charged my account the correct amount of $7.00. It took about two weeks for the $700 credit from the hospital to go back on my account. During the time of waiting, the bank had charged me 12 fee's and one overdraft fee, a total of $430 dollars. As soon as the $700 dollar credit came in from the hospital came in I called the bank in which they gave me credit for all $430 dollars. No problems what so ever. So that's why the lady that I was talking to said that I had over 20 fee's.

    I tried to explain this to the lady that I was talking to and told her that the incident with the hospital was not my fault and two branch managers have sided with me that this current issue is not my fault either and have refunded $245 dollars worth of fee's but says that the call center has to remove the rest. However this lady refused to hear me out. In total I have talked to at least nine people and Bank of America refuses to remove any more fee's. The incident with the Hospital has marked me a a terrible customer who can't handle their finances even though it was not my fault and so has this current issue who at least 3 people, 2 of them managers, have told me that it wasn't my fault. If it is not my fault, then why won't Bank of America remove the fee's that I have gotten. This all boils down to one fee in which I was told by two different managers that I should have not gotten. But because I have had so many fee's removed the bank has marked me as a terrible customer and won't remove any of the fee's. If all the fee's were removed they I could get my account back in good standing. Bank of America has even started rejection payments and giving me a fee every time that they reject a transaction. The fee's keep coming yet there is nothing they will do even though I was told that it WAS NOT MY FAULT!!!

    0 Votes
  • Ca
    carl Aug 01, 2008
    This comment was posted by
    a verified customer
    Verified customer

    i hate the new atm machines, every time i go to the bank at least one of them is not working, the last time i went out of five machines 4 were not printing reciepts and the 5th machine was not taking deposits, if a check has been folded or has a little rip it will not take it, these machines suck it takes more than double the time to use them!!!

    0 Votes
  • Valerie Aug 08, 2008

    Applying for an account with Bank of America will probably get you an account, but not the one you applied for.

    I applied for a line of credit with the advertised rate of 8.99% interest rate, my credit score is in the high 700's.

    I was denied credit.

    I received a 10, 000 credit line with a 21.99% interest rate 4 weeks later that I didn't apply for.

    When I phoned they closed the account but refused to remove the tradeline from my credit report.


    Thus it shows me opening and closing an account. For those of you who aren't familiar with reading credit profiles, this looks unfavorably when applying for credit.

    Apparently 8.99% is false advertising, or only one available at this cost (like a car dealership).

    Also, opening an account without your permission/authorization may be considered fraud.

    If you experience this or another issue with Bank of America which you believe is unfair business practices file a complaint with the Office of the Comptroller of the Currency, Customer Assistance Group, 1301 McKinney Street, Suite 3450, Houston TX [protected] fax: [protected]. http://www.occ.treas.gov/customer.htm will take you to the online complaint form.

    0 Votes
  • Jo
    Joe Aug 08, 2008
    This comment was posted by
    a verified customer
    Verified customer

    The new ATM that the Bank of America has installed have my a deposit that would normally take only 30sec into a 10min ordeal. I have to scan my card for every transaction should I need to make a change and the line of people waiting is discourteous to their customers. Where the bank operators thinking at all with they made this change. Bring back the old machines or I am looking to move my accounts.

    0 Votes
  • Sh
    shell Aug 18, 2008
    This comment was posted by
    a verified customer
    Verified customer

    I am changing banks too. I went to my local Bank of America to talk to a banker he told me you couldn’t really go by what your online banking says that it was not accurate. They sure do advertise it a lot for it not to be accurate as of June bank of America has stolen 115.00 out of my account.(attempted to take 360.00)They did credit me back this week 245.00 try to talk to them they can and should give you your money back. As for me I am cutting Bank of America out of my budget.

    0 Votes
  • Valerie Aug 25, 2008

    Bank of America started ripping me off on my credit card approximately one year ago. I was making payments via my online banking (another bank) every 4 weeks, like clockwork. However, apparently my payments eventually got ahead of the "statement" date since the statements are generated every 28 days. Two payments posted to my account on the same month. And every month, thereafter, BOA considered me "late" until I caught this.

    by the time I caught up with this (was getting Ebills and no reason to log in a look since I wasn't using the card), BOA decided I was a "credit risk" and raised my interest rate to nearly 40% apr. Yes, you read that right: forty.

    Suddenly, my minimum payments were a mortgage payment. However, I continued to pay them. I even decided to use their automatic payment system "bill pay". Again, I suddenly get a statement that shows I am past due, 2 months worth. I call, and find out that they've been applying my payment to a "corporate card" in my name which I have NO access to pay. But none the less, after many many calls, they transfered the money back. But the interest stayed as well as late fees.

    Soon after, my payments were up to nearly $500 per month, minimum. I could not make these payments. I called customer service, held for ungodly times to be disconnected by the dept who could help me.

    I sent emails via their online banking. I pleaded for someone to help me pay this down!! I didn't want to default on this card.

    Finally after several calls, being bounced around, I was transfered to the correct dept. I spent nearly 1/2 hour of my time to give all my financial stats. IT was determined by this gentleman that my payment would be $200/month. It would freeze my account (close it actually). But would lower the interest rate to make it possible to pay this off. He said it would take about a week to process. I had to give him my checking account info and agree to automatic withdrawals from my account. We agreed on the 15th of the month.

    A few days later, as agreed to, BOA withdrew $200 from my account. I presumed all was well.. Whew, what a relief to get this finalized...

    A week later, I received a call from the BOA collection dept telling me that I was past due. They had received my $200 (thank you very much) but I still owed $700 in fees, etc. be "caught up". I gave the agent the schpeal on the whole plan I set up, etc. He advised that it probably just hadn't made ti to their dept. No love lost afaic.

    A week after that, another call. Same thing...I was told, "oh, sorry - we'll note this on the account".

    Ok, so it's fixed now, right?

    Today, I recieved yet another call. Now, I'm realizing that indeed there is a problem. After several calls to different depts, I was informed that there was no way to fix this problem internally. That "I" have to call the Customer Service Assistance team. But, of course, they aren't in due to the weekend and holidays, etc. This allegedly is the dept who set up my "payment plan".

    I am so frustrated. I want to pay this card off. But they simply do not seem to want to let me. First it was because I paid "too soon". Now they just continually give me the runaround when I try to work something out with them.

    They claim that none of the departments have access to each's systems and notes. So there is supposedly no way for a dept to check and see if I'm indeed "on a plan". Even though I am obviously on a plan since THEY are taking my money out of my checking account monthly.

    My CC limit is $9900. And now thanks to their fees due to THEIR incompetence, I'm over 10k now.

    This is just plain abuse of consumer credit. I'm sickened by it.

    As a contrast, Discover called me when I went a bit over my limit to see if they could help. I spoke with one person, and viola, I was setup and got it paid down in a few months.

    Any help would be greatly appreciated.

    0 Votes
  • Ta
    Tansy Aug 29, 2008
    This comment was posted by
    a verified customer
    Verified customer

    I have had exactly the same nightmare and have wasted an inordinate amount of time and energy trying to get this $75 off them. Fortuantely, we kept a copy of the coupon code, otherwise as you say we would not have had a chance. Today, after 149 days, and probably about the same amount of phone calls, I have been told that a check has been issued to me... although I won't believe it until I see it in my hands. I am in the process of moving all my money to another bank and I will be writing to the FDIC to complain. I know it's only $75, but it's the principle. The service from this bank has been appalling. I wonder how many people ever actually receive their $75?

    0 Votes

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