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.

My family has had our business checking relationship with Bank Of America for almost 13 years. Our banking needs have been simple and our record impeccable. Out of the blue, we received a letter stating that our accounts would be frozen and closed within 60 days. There was no reason stated and the letter looked like a template. Running your own business is hard enough, especially the restaurant business. The bank is suppose to make things easier for operations, not make things harder. I'm a Vice President at JPMorgan and to see my parents have to deal with this on top of running a successful restaurant is unacceptable. We pride ourself at JPMorgan on putting customers first and priding ourself on customer service. If a 13 year relationship doesn't warrant a courtesy phone call or face to face meeting to tell us why our relationship is being terminated, then what are the values of the company? I am truly saddened and disappointed. Things like these are what make the whole banking industry look bad. Get your act together Bank of America.

My names are valerie and I made payment to this account bank name: hayden parker account number: [protected] routing number: [protected] I made a payment on the 08/11/2017 at 09:10 am the sum of $7300 from bank of america in tennessee. Please I need to know why the receiver hayden parker complained the money has not been received or reflected in her bank of america account.
I have receipt of payment with me. My account ends with 3208.
I will really appreciate to be informed on what I can do to get a refund back or to know why the money has not reflected. My email: [protected]@gmail.com

My son received a student loan check for school that Bank of America is placing on hold for over two weeks for no reason. Their excuse is there is a confidentiality reason, that it's on Wells Fargo's side. Well because B of A apparently can't do their job, I went in personally and spoke with Wells Fargo, and they said there is nothing wrong with it, that it is a legitimate check and that the funds are available for release immediately. And more so that they have no idea what a confidentiality reason is.
I have tried to explain to the representatives at B of A that this check has to be used to pay off my son's loan and they could care less or try and expedite the process in any way. It's good to know that after giving Bank of America my business for over 15 years, that this is how I am treated.

The most terrible customer service ever. Does it actually exist? How many people work for you? Two or three? Maybe that would explain why you're so slow and answering emails takes you a month.
Even if they reply, it's always scripted and nobody cares about the details.
I'm so tired of this horrible treatment. I know for sure that I'm going to cancel my credit card and forget about this bank forever.

Subject: EDD Prepaid Debit Card

Dear California State Senator's and Assembly Members.. As some of you may know! I am a former California State employee of the California State Senate and the California State Assembly. I am currently on Unemployment Insurance. I have a major issue with the options we have as an unemployed state worker currently receiving Unemployment Insurance. As you know EDD is contracted with Bank of America to deposit funds on a prepaid debit card. Below, please find my issues. Maybe after reading at some point in the coming years you as our California State
Representatives you will be so inclined to write and introduce a Bill that will allow different choices for EDD deposits. We should be able to have our funds deposited in the institution of our choice. It appears our funds are not protected on a Bank of America Prepaid debit card.

My statement:
Bank of America is a joke.. It should be name Bank of Rudeness... I went to get money out of my account around 12 noon on August 20, 2017. Upon getting an inquiry I realized my account balance was not correct.

I went to the car and called Bank of America and was told my card was used in Stanton and Anaheim CA. on August 19 & the early morning of August 20, 2017.

Now, the issue that I have with this is; I've always had my debit card, I have not given my PIN number to anyone and I have not been in Stanton or Anaheim in a few months.

However, Bank of America is telling me I had to have given someone my card and PIN number. I was told today that Bank of America will not reimburse me my unemployment funds. I filed a police report with my local sheriff department and they in turn will file complaints with the cities where the fruad occurred. There were 3 or 4 inquiries before my account was debited each time. You would think to Bank of America that would be suspect activity and would call me on the first day or at the least send me an email like every other bank or credit union. They didn't do anything to even try to prevent or protect my from the fruad the next day.

Not to mention the woman @ Bank of America in both the call center that took the report and in my local branch in Diamond Bar Ca. was extremely rude.

While I was in Bank of America on August 22, 2017 there were other people in the bank complaining about fraud on their accounts also. Something is just not right.
I feel as though I was financially RAPED.. Once by whoever stole my funds and secondly by BANK of AMERICA..
My Bank of America claim # is 6043559

HOW SAFE IS OUR MONEY?

Sharnette Clemons
[protected]

Sent from my iPhone. Sharnette Clemons

I have business accounts with Bank of America. I did a payment to company 10 days ago at a branck in Dallas.", TX. The company did get the payment which is 25, 169.75 and the branch didn't do anything they destroyed my business I want to speak with some one look like no one cares about what they did to me. I went to branch many times called them many times I told it's a big issue and look like no one cares I don't know if my money stolen

I filed a claim of fraud in regard to withdrawals from my checking & savings accounts which were not made by me. I filled out all the required BOA forms and filed a police report. BOA temporarily credited the charges to my account. Then their "Fraud" department reviewed my claim and withdrew the fraudulent charges from my account again. I talked to an Asst VP at the Seattle bank location who had the charges credited back to my account again. A month went by and I thought the whole ordeal was resolved. However, on 8/22/17, without any notice or my consent, BOA started withdrawing more money from my account (again) in the amount(s) of the fraud charges!

I am afraid to deposit any money in my account because BOA will steal it. As it is, the withdrawal has created a negative balance, which I am sure will accrue additional fees and income for BOA. Your money is not safe with Bank of America. At any time, they will take it and hope you won't notice it is gone!

BOA's "Fraud" department is aptly named because they are committing fraud on their innocent customers every day. I have been a customer for 26 years and it certainly appears they have now decided to change their business practices and steal money from customers.

Bank of America - I closed my Credit Card and fully paid the balance of $566.58 on 07.31.17... Then my Sept statement just came in and the Bank is still charging me $2.96 as interest fee on my closed account... This is totally a scam to the consumers...

Per their Bank disclosure memo, it states as follow;

If you pay the new balance total in full by the payment due date ( in my case, the due date is 08.10.17) the said Bank will not charge interest fee on my next statement...

I am a senior citizen (70 yrs old) on fix ss income hence, every penny counts for my survival...

Thank you for your help...

Sarah Choi, Bank of America employee, a team leader in computer programing, Charlotte NC (Down town). She is my sister, I am her brother (Hoi King, Choi). I have mental illness, I regrets the things that I did to her, it is relationship problem and I forgive her already. Please consider that she is a hard worker and she get award from Bank of America as a team leader before. She need a place to live and please don't make her sleep on the street, she need money to buy medications and she has to take medications. Dear Sir, I really misunderstand Sarah Choi, she is helping me and yet I am impair in the whole case. I am sick. Please don't fire her. She can't find another job in this short period of time particularly you might give her a bad reference letter. Can you please give a second chance, God Bless! Winter is coming if she is sick than I will get series bi-polar. I am sorry that I only think about myself when I judge her. I regret.

My credit card was closed and I contacted customer service to figure out why. I was redirected many times from one employee to another one and it seemed like they didn't know how to do their job. 7 times I repeated my problem and got really tired of it. Eventually, they transferred me to the right person and she explained to me what exactly happened. Stupid service.

Sarah Choi might be the main person involved in Hoi King, Choi's case of Neutralization Certificate and birth certificate missing. Reason could be making real pass-port for illegal Chinese immigrant.
Sarah Choi, (Oi King, Choi in Chinese translation) Bank of America employee (down town charlotte North Carolina). Programmer or Team Lead - Unknown
Address: N/A
Tel # : [protected]