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Bank of America Complaints Summary

457 Resolved
1108 Unresolved
Our verdict: When using services from Bank of America with a poor resolution rate, be vigilant. Understand the common pitfalls other customers have faced. Prepare thoroughly for any interactions with their customer service, and consider alternative solutions if your issues are not addressed satisfactorily.
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9:33 am EDT
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Bank of America excessive overdraft fees

I ended up paying almost $900 in overdraft fees for my checking account in a 4 month span. Their online banking that I was using to chen my balance was not updated quickly. Also, some transactions take forever to process a debit purchase and by the time it goes into my account I don't have money to cover it, although I did the day of purchase. I tried to get some of the $35 overdraft fees taken off and they said "there's nothing we can do." I was so upset! Were in a recession and you're taking money from me without me knowing it... I may as well give my money to a stranger to hold onto it for me! I couldn't even pay my rent that month because they took all my money! Bank of "America"? Not for this American! Beware! Will charge you $35 overdraft for a $1 overage! Bloodsuckers!

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sjsmvp1995
San Jose ca, US
Feb 05, 2010 3:59 pm EST

BofA has every right to charge overdraft fees. However, the fees should be proportionate(spelling)to the amount the account is overdrawn, or the transaction amount per fee. With that being said, I'm not the best at balancing my check book - but BofA has charged me over $860 in overdraft fees in 12 months. I added all the transactions that made the account overdrawn, and it came up to $78. That means they are charging me over 1000% of what they covered in fees.

Also, if they were really trying to be customer oriented, they would give you at least 24 hours to replace the funds (bring your account back to balance), before charging you a whopping $35 dollars for every single transaction.

The most frustrating fees I received just happened last week. I was overdrawn after the weekend (usually it's always on a monday when all the fees come in at one time) by $40, so I transferred $200 out of my primary account to my secondary account (the one I have issues with, becasue it's tied to my debit card), which made it +$150 and change. BofA charged me four overdraft fees that same evening for $140. Three new transactions came in for a whopping $27 dollars, which ended up making my account overdrawn (because the transaction fees were taken), so I had to pay $105 dollars more in fees for the items that were overdrawn because of the overdraft fees from the bank.

Now that is scandalous any way you look at it.

When my commission check hits this week for $13, 500 I'm going straight to the bank to close my accounts. I've been banking with BofA for 18 years, and ever since online banking came into factor, it's been a problem.

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JSBradley
Los Angeles, US
Jan 13, 2010 9:18 pm EST

I'm surprised at how many attacks there are against those posting a complaint about the bank. If that many people are complaining about the same thing, then something is up. And I'm sorry, whether you like it or not, keeping purchases in limbo DOES throw things off. If for no other reason than when it DOES finally post it doesn't have the transaction date. There is NO REASON for transaction to remain pending. If the money is there then pay it RIGHT NOW [censored]! What are you waiting for. And I'll tell you this. Before computers started all this pending BS people were NOT getting overdrawn as often. It's clearly in the banks interest to keep it going because a hell of a lot of people find themselves confused over the state of their accounts, especially when transitioning into a new month. I'm sure the person to make the first comment about this complaint has Bank of America's heartfelt thanks. After all they do have to finish handing out all those executive bonuses before the new laws take effect in February and they need us little guys to help pay for it. They sure got a BIG chunk from me.

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cmewaddle
Cary, US
Jul 31, 2009 4:04 pm EDT

trust me this bank rearranges your deposits and debits to purposely charge you fees. they have terrible customer service and they tell you they can do whatever they want because they are the bank. this is a recession and they need to be more consumer friendly instead of trying to stick it to everyone. and to the idiot who was cussing at the complainer and telling them she probably has bad credit-he probably works for the bank. they are crooks

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themike
, US
Jul 03, 2009 7:10 am EDT

NO... dont get mad at people for going over a dollar and them charging 1000. So because you go over a dollar, that means ALL HELL should break loose? Well why not charge a billion?

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realist
Meridian, US
May 16, 2009 5:50 pm EDT

what the hell kind of idiot are you? Its not bank of americas responsibilty to make sure you are not overdrafing your account. AND its not bank of americas fault that it sometimes take a BUSINESS DAYS EVEN WEEKS to take the money out of your account. HERE IS AN IDEA why dont you BALLANCE YOUR OWN ACCOUNT
here, I will help you like the idiot you seem to be
deposite 5-6 $400.00
Chevron debit 5-8 $ 2.53
Walmart debit 5-8 $63.89
ballance 5-8 $333.58
If you do this everyday you arent going to overspend, Banks of all kinds post those online, over the phone, what ever basically so you know what has CLEARED, it doesn't necessarly mean whats PENDING. If you dont know how to manage your money, take a class. Otherwise dont blame a bank for charging you for overdraft fees, THAT THEY TOLD YOU THEY WOULD IF YOU SHOULD OVERDRAFT YOUR ACCOUNT, its your fault not theirs. Yeah we are in a rescission and Bank of America has to protect themselves to. When you opened your account they let you know the terms, if you are really that concerned, get a freaking line of credit, but judging by your money management skills you admitted to, your credit probably sucks to bad for one of those.

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3:59 pm EDT
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Bank of America LYING ABOUT MODIFICATIONS

We wanted to let everyone know that mortgage lenders are still deceiving the American people and the American government regarding loan modifications. We hear in the news everyday how the U.S. housing market is "bottoming out" or "finally stabilizing" or "sales are picking up". But the reality is that it is not. Not for homeowners whose lenders are corrupt, that is.

Please do not misunderstand. There are lenders who are doing their best to help homeowners and we are pleased they are now generally making a effort to work with homeowners and keep them in their homes. We applaud those lenders/banks. However, we wanted to bring to your attention a particular lender - Countrywide Financial (now operating as Bank Of America Home Loans).

We are sure you see comments all over the internet on how this lender is blatantly employing forestalling tactics to deceive the media, government, and the American public. In our opinion, this lender has absolutely no intention of complying with President Obama's American Recovery and Reinvestment Act of 2009 and has no intention of keeping homeowners in their homes. Countrywide Financial's website says they have a "commitment to supporting the Making Home Affordable program" but that is a lie. We have filed numerous complaints regarding Countrywide Financial for their refusal to grant us a loan modification on our home even though we meet the criteria.

The Superior Court of the State of California for the County of Los Angeles Northwest District issued a court order for Countrywide Financial to provide loan modifications (Case No. LC083076, California Attorney General and The People vs. Countrywide Financial). Though we were not part of this particular lawsuit, our situation still meets the criteria described in the settlement. Also, included in the settlement was for Countrywide Financial to furnish to the California Attorney General a list of account numbers of those loans which have been modified. I doubt, to this day, they have sent any tangible information to the attorney general.

Here's the deal:

1) Countrywide is NOT MODIFYING loans despite what they tell the government, the media and the American people.

2) Countrywide is violating court orders and is in contempt of court.

3) Countrywide received TARP funds and yet they openly refuse to abide by the mandatory Obama loan modification guidelines.

Bottomline: Countrywide Financial is STEALING our taxpayer bailout monies!

For those who are experiencing loan modification issues similar to our situation, please seek advice from an attorney AND DO NOT BE AFRAID TO LET GOVERNMENT OFFICIALS KNOW ABOUT YOUR LENDER REFUSING TO GRANT YOUR MODIFICATION (if you qualify for it). Write to your Congressman or Congresswoman, write Housing and Urban Development, your state's attorney general, your state's housing departments, your state's consumer affairs, your governor, the Better Business Bureau, the Federal Trade Commission, the Department of Real Estate, even write to the President of the United States, the Vice President of the United States, the Office of Public Liaison, write...write..write...or fax...fax...fax...or email..email...email..or call..call..call. You need to let our government know what's happening at the consumer level. Not sure where to begin? go to www.whitehouse.gov

Thank you...and good luck!

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Alicia
Orlando, US
Nov 03, 2009 6:39 pm EST

Yep I just wrote our president and my list is getting longer...

I was denied a modification on Aug 31 but didn't find out till today Nov 3 by them slipping up.

I waited 3 months for this and i was denied and they didn't even send out a F you letter...

I am not happy and over it...

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cwrliars
, US
Jun 16, 2009 7:44 pm EDT

We are glad that our post is inspiring people to STAND UP AND FIGHT TO KEEP YOUR HOMES. IT'S YOUR HOME...YOUR SWEAT...YOUR BLOOD...YOUR TEARS... in that home. YOUR HOME IS PART OF YOUR FAMILY...IT SHELTERS YOU AND YOUR FAMILY...IT HOLDS TREASURED MEMORIES. FIGHT FOR IT! No one will bail us out but ourselves. We've posted something similar in Facebook http://www.facebook.com/group.php?gid=112065891284 and have posted updates in Twitter http://twitter.com/cwrliars. As always, there are vermin out there trying to take advantage of us homeowners. Be careful of companies promising to negotiate a loan modification on your behalf. Before you hire them, do a research in the Better Business Bureau of your state/city. We hired an attorney to represent us. An attorney who is licensed and bonded to practice in the state of California (since our home is in California). We did not believe in going through a loan modification company.

JAN: We saw your post. Yes, that's the LATEST AND GREATEST DECEPTION Countrywide/BofA Home Loans is pulling on everyone. Countrywide/BofA Home Loans is telling everyone -- the Attorney General, the media, the government -- that they "are doing loan modifications" but they have MISTITLED a Forebearance for a loan modification. What is a Forebearance? An agreement made between a mortgage lender and delinquent borrower in which the lender agrees not to exercise its legal right to foreclose on a mortgage and the borrower agrees to a mortgage plan that will, over a certain time period, bring the borrower current on his or her payments. A forbearance agreement is not a long-term solution for delinquent borrowers; it is designed for borrowers who have temporary financial problems caused by unforeseen problems such as temporary unemployment or health problems. What is a loan modification? Under President Obama's law (in a nutshell) it should 1) Be a lower monthly payment 2) Have a lower interest rate 3) Have a lower principle.

Countrywide will not release the raw "100, 000" loan modification agreements to the CA Attorney General because they are not at all loan mods and are not compliant with the LA Superior Court Nov 23 court order nor compliant with Countrywide's April 17 contract with the Dept of Treasury-Fannie Mae's whereby Countrywide agreed to modify notes at 31% as specified in the HASP-MHA guidelines. Ha! More delay tactics and deception!

It's absolutely ridiculous...WE BAILED OUT THESE BANKS/LENDERS WITH OUR TAXPAYER MONEY AND NOW THEY WON'T DELIVER ON THEIR PROMISE TO THE TAXPAYER...the very people who bailed them out! How much more THEFT of our HARD EARNED DOLLARS must the American homeowner take! We can not remain complacent and passive anymore.

We believe President Obama and his Administration is listening to the American people. But they are a busy lot over there in the White House. So, we believe the American people can help them over there in the White House by letting them know about your Lender issues. Continue writing your government officials. We're received responses to our letters. Their tips are posted on our blog http://www.cwrliars.blogspot.com/

KEEP FIGHTING! and GOOD LUCK!

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Anonymous
Old Saybrook, US
Jun 13, 2009 7:34 pm EDT

Thank you. You have inspired me to act after a sequence of stalling and lies from COUNTRYWIDE. It is time the conusmer stood up against blatant corruption on the part of this lender. Our entire economic future is dependent on us eliminating this sort of practice from our nation.

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jan
Bellingham, US
May 17, 2009 11:04 am EDT

My above complaint is that Country Wide has never helped me in trying to modify they just allowed me to pay my regular monthly payment of 2350.00 and add an additional amount to totaling 3250.00 per month for the next three months. That was crazy! If I can't pay the 2350 why would I afford 3250? They are now threathing me to foreclose and calling me every day and all hours including Sundays. Now Bank of America is doing the same. My attorney is taking care of this and they keep oin telling me that there is no modification in place.I don't know what to do! A lawyer is the best at least I hope so.

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jan
Bellingham, US
May 17, 2009 10:56 am EDT

I have hired an attorney and have had her since February working in my morgage. There is so very much you need to do to even quilify for a modification. This is a long process and you need a lot of patience to go with it.Since then Countrywide is now Bank of America and I do believe this is not any better as Bank of America has faults and complaints on them also.I hope my morgage resolves soon . I did receive a letter from Countrywide telling me that I only have till June 7th to catch up with my morgage or they will start foreclosure on my home. My attorney is aware of this and telles me not to worry as I won't loose my home. I am trying so hard to believe this but lets face it this is very sceary! I was not behind when we walked into her office to being almost 6 months behind. Like I said this has been a long journey and it's not done as of yet!As I read these complaints from people telling us that they needed to be in foreclosure in order to quilify for modification I am learnig that maybe this is why my attorney let this go this long. If anyone else reads this please let me know if you are going thru the same thing as I am or have already gone thru this and let me know what has happened to you. Thanks janbri1234@yahoo.com

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8:49 am EDT
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Bank of America ruthless overdraft charges

I have had an account With Bank of America, (before the two mergers as Bay Bank and Bank of Boston) for 17 years. I have had the odd overdraft charge because of my neglect yet i have have never complained or asked anything of them until today. Yesterday, my credit card payment was mysteriously taken from the WRONG account, an account i use for daily atm items. (coffee gas meals etc)
This mysterious ERROR caused, 7 OVERDRAFT CHARGES AT 35.00 EACH FOR A TOTAL OF 245.00 ! I called and said that the automated bill pay had switched accounts on me, they said call back tomorrow we will straighten it out. Well i called, they won't admit the mistake, and have credited me 60.00 lousy bucks. So they screw up and charge me 185.00 . These are ludicrous times. I am moving everything from bank of america... no more credit card, no more morgage, no more personal or business account. RUTHLESS
EVIL GREEDY CORPORATION this "BANK OF AMERICA" RED
WHITE AND BLUE TO SCREW YOU TO THE MOON.
this ends my rant.

thanks for listening.

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Samuel Dreessen
Chicago, US
Jun 05, 2009 5:38 pm EDT

I mysteriously got 3 overdraft fees because my transactions didn't update my balance in a timely manner. My statement says I paid for things two days after the transactions.

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12:12 pm EDT
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Bank of America I pay for boa mess up

I verified routing number with bank of america associate for my federal tax refund direct deposit. Bank of america gave me the wrong routing number! I verified with the IRS the direct deposit for May 6, 2009 (they tried) BOA rejected it 1 day later I was overdraft fee bombarded by BOA ($175.00) Now I wait 6-8 weeks for a paper check for the $6, 000 tax refund. So I also will wait an extra 3 weeks for my sons to come to spend the summer with me in Texas. A bank BOA manager told me to take out a loan against my taxes. Pay the fees I said...no. Bank of America is heartless and ruthless...I suggest who ever reads this to close your account. Overdraft fees go to thier bonus funds!

Screwed in Texas

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Update by rick wilhelmi
Jun 21, 2009 11:03 am EDT

Your the [censored], it was verified I was given two routing numbers the one I questioned stated for non federal deposits...this is the one I should have used...anyways I got all the overdraft fees returned ...by the way BOA takes bail-out billions and sinks it into the purchase of a chinese bank...you must work for bank of america

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2:54 am EDT
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Bank of America refund of application fee

I applied for a refinance o0f my countrywide loan mid march and my loan agent then went on maternity leave.. referred me to her manager. I had numerous questions to ask about charges and loan rate changes. I had been not given complete or accurate information upon my initial sign up process. I eventually went to the loan processor Josephine Pagliarulo when my numerous e-mails and phone calls went unanswered for weeks. She initially tried to help but could not answer my questions or get me to someone who could help because of bureaucratic policy issues. I wanted to cancel my loan at that time and get a refund on my $485.00 fees charged. She became belligerent, unprofessional and accusatory- when I was the one with still no one being able to help me or understand that I had been told misinformation.. Very frustrating and I believe this woman should not be working for Countrywide as well because of her personal conduct. I asked her to just forget I ever called and will continue to work to reach a supervisor. She cancelled my loan and said the lock out period was over and I would have to start all over. I can not say how horribly violated I felt and just lost this money on my good faith of proper business practices. The government should shut this company down if customers do not just pull the plugs on it already.

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6:33 pm EDT
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Bank of America ridiculous overdraft fee

I am outraged over the financial rape Bank of America is allower to get away with. On my checking account, I have several transactions pending. All funds were in the account before the transactions posted, but because technically/on paper, I was overdrawn. The charged me 2 - $35 fees. They never paid out any of their money in my regard. They used my money in my account. I bank with another bank and they do not charge a fee as long as all monies are in the account before the transaction actually posts.

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clinares
Dallas, US
Sep 11, 2009 7:13 pm EDT

The same thing happened to me. I called and complained and they returned a fraction of what they purloined as fees.

I filed complaints with the BBB and the Office of the comptroller of currency.

I doubt that will help but at least I'm doing something about it now.

I also filed a complaint through AFFIL. Check them out. You can contact your Congressman through them about this.

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5:38 pm EDT
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Bank of America Nonrefundable $400 Application Fee

On Mar 30, 2009 I spoke with a loan analyst (Corey Brown) and completed an application for a refinance over the phone. At the time of our phone application, it did not occur to me that a refinance loan with 1.5% points was not advisable for individuals looking to sell their homes within 12 months nor did the loan analyst articulate the % definition.

I simply was interested in consolidating our primary mortgage with a HELC. I immediately contacted Mr. Brown and requested that the loan be calculated without points. Once he did, it was determined that there was no financial incentive to refinance at this time. I was told at that time that the $400 application fee was non-refundable. I immediately cancelled the loan application but still got the charge applied to my credit card and received a large package of documents from Countrywide within 7 days of the phone application.

My concern is that if I cancelled the loan application process within 12 hours of the initial quote, where is the $400 charge being spent? I did not want any paperwork from them, there was no appraisal ordered, there was no out of pocket expense for them (other than the fedex charge to deliver unwanted papers.) This should be illegal!

On Apr 2, 2009 I submitted a request on the countrywide website under the messages > send comments section of our loan page. I have yet to hear back from anyone in customer service even though your website clearly states that inquiries will be addressed within 48 hours of receipt.

Fed up!

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archsteve
, US
May 21, 2009 11:17 am EDT

Hi there,

I have been trying to get a loan with Countrywide since January! I have decided to cancel the loan. I thought that because I paid the $400 application fee I would be able to get a copy of the appraisal. But, they say I have to pay another ~$380 for that. Is this right? Seems like a crock to me.

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6:13 pm EDT
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Bank of America scam

On 5/4/2009, I got a "partially Blocked Caller ID " from [protected] which left a message on my answering machine.
I called the number to find out and they started giving me the third degree and started telling me about their client, (Name Withheld) who owned them money and was past due 30 days. He said he worked for the Tennessee Office for Bank of America. I told him He was not with Bank of America because I just keyed in his telephone number on the Internet and he worked for a collections company, the one listed here.
He went on about some lady, and I told the guy that he couldn't disclose that information which is a violation of the Federal Privacy Act and that it was "Illegal" to block caller ID's.

I Quoted the Law and gave the jerk the URL which is at the Federal Trade Commission at:
http://www.ftc.gov/bcp/edu/pubs/business/marketing/bus27.shtm.
The Law is The FCC’s telemarketing regulations under the TCPA also include provisions governing the transmission of Caller ID (47 C.F.R. § 64.1200).
It states., "If you have caller ID, a telemarketer it is required to transmit or display its phone number and, if available, its name or the name and phone number of the company for which it is selling products. The display must... include a phone number that you can call during regular business hours to ask that the company no longer call you.
This rule applies even if you have an EBR (existing business relationship) with the company, and even if you have not registered your home phone number(s) on the national Do-Not-Call list. Caller ID may Not include the words: “private, ” “out of area, ” or “unavailable” might have appeared on the Caller ID display, the Caller ID MUST be there now or its illegal!

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No Name Given For This Post
, US
Mar 24, 2010 12:51 am EDT

He was telling the truth... I worked there before... FIA Card Services is the "Rename" for MBNA bank and Bank of America merged with MBNA Bank... shortly after the merge the Name MBNA was changed to FIA Card Services. Hope that helps. Collections are a different part in the TCPA, the Telephone Consumer Protection Act. Be sure to read up on that.

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3:40 pm EDT
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Bank of America i found a wallet - bank couldn't care less

Today I found a wallet in the #6 subway station at 23rd St., NYC. Among the variety of cards inside was a BofA debit card. Unable to find the owner via phone or the web, I called Bank of America, figuring they could pass my name and number on to the rightful owner.

1st call to BofA customer service: After three transfers, I was disconnected.

2nd call to BofA customer service: After one transfer, I was disconnected.

3rd call to BofA customer service: The customer service rep took the number down and promptly closed the account. Then she told me she couldn't pass my information on to the card holder. "We're an incoming center only, " she explained.

"How do I get an outgoing center, then?" I asked.

"We don't have outgoing centers, " she answered.

I finally reached the wallet owner through a nearby dance studio, whose card was also in the wallet. The owner, of course, was quite grateful.

As a would-be good samaritan, I was terribly frustrated in my dealings with the bank, which sought only to protect its own interests, not those of the customer.

So a word to the wise: If you lose your wallet and you're a Bank of America customer, odds are good that you'll never see the wallet again, even if an honest citizen wants to return it to you.

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Bank of America allowed funds to be withdrawn by merchant

My wife and I owned a very successful business called RaveXpress Courier Services. We used Enterprise Commercial Truck Leasing as one of our vehicle suppliers. We got hurt financially with the economy and a bad employee who stole us blind, and so we had to sell our business.

We still owed Enterprise a sum of money for back lease payments, so we set up a payment arrangement. Enterprise got greedy and used my wife's personal debit card to "collect" on the debt owed WITHOUT our authorization! One of the manager's obtained the debit card information from a previous rental car transaction.

We worked with Bank of America to clear up the issue, so they reversed the withdrawals, but then proceeded to take them again two months later after Enterprise supposedly proved they could collect the funds.

We were told by a Bank Account Manager that they would credit the funds again, over $4, 200.00, in two business days. It has been over one month now, and they have only credited half of the above amount. I have spent probably 16+ hours to resolve this issue, and yet it still goes on! I am so angry at B of A right now. Our funds are frozen and we cannot use any of our monies, and have not been able to for over a month. They say that they protect their customers...they are full of themselves and lie so easily. We may have to get a lawyer involved.

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JGraceyStinson
Orillia, CA
May 04, 2009 3:43 am EDT

The first mistake...on getting it reversed the first time your wife should have had that debit card cancelled. No further transactions could be made using that debit card number. I don't know about the US debit cards, but in Canada, you can't make a debit card transaction without entering your pin number. Enterprise should not have had your wife's PIN number.

At this point, I would open a new bank account and transfer the bulk of funds to that, and don't leave enough in the old account to cover any payments to Enterprise - leave just enough to keep the account open. Once you manage to get the rest refunded to the old account, transfer that and close the old account completely.

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Bank of America posting me 5 nsf's with a $1300 balance

05/1/2009 - [protected]@yahoo.com

Complaint:: My check is direct deposited every two weeks on a Thursday so on Wednesday (day before I get paid) I go around town and pay 3 very large bills with a check and I write 2 small checks for cigarettes, drinks and mail off an additional check. Thursday morning at 12:00am I am monitoring my online BOA account and I have a small overdrawn balance and I update until my direct deposit is received @ 12:05am I have over $1300.00 now I am showing a positive balance and no returned checks I also signed my account up to send me alerts to my cell phones for NSF, direct deposit, and a daily balance. I go shopping Thursday morning after I woke up and dropped my vehicle off to be worked on and got a rental and went shopping and out to eat I pick my car up Thursday afternoon and paid for everything and go home all the bills are paid and I have gone out to eat and shopped and still have money left over I feel good that I have paid bills and got the kids summer shoes and my car is up to date on everything so I'm happy I can relax now. I log into my account first thing when I get home on Thursday and see 5 checks that I had written the day before next to a C for cleared status so I check off in my check book that these checks have been cleared and are paid because the online banking center says the bank paid them and I have plenty of money in my account. Later on Thursday night I log back on to my account to make sure all my debit's have cleared from shopping and vehicle repairs and I see that BOA has credited me back for all 5 checks this is the same day that I have gotten paid I then notice five $35.00 pending fee's conveniently they do not specify NSF (yet) I called the bank and they explained that the checks where presented electronically on the day before (Wednesday) all 5 of them on the day I dropped them off were presented for payments and I asked why they where not posted on the account the day before they said that they are marked NSF when they are presented for payment then they go into review at 12:00 midnight meaning Thursday I asked why they where not posted NSF on my online banking account on Wednesday when they decided to return them and why I did not get my Alerts sent to my cell phone for NSF the supervisor said they are not responsible for not receiving emailed alerts and that the system updates between 12:00am and 6:00am of the next day and I said well why were they marked cleared as if you have paid them and then you credit them back they have nothing to say at all I said if they are in review at 12:00am midnight at the same time my $1300.00 pay check is being direct deposited why did you return them they said they can not refund me the NSF fees because it was not the banks fault that the balance during review at 12:00am-6:00am is more than enough to cover costs that the day after something is posted does not count for the item being presented for payment that the balance for the day before (the day it was presented for payment) is the balance that is effective for the item being returned which is the same thing as moving things around in the system to make the bank more money in fees but instead they make it a "policy" and I told them that I could have prevented another check that I have mailed out from bouncing if I had known that these items we're returned and I was charged $175.00 in fees when all 5 of the checks were returned but it was not posted to my account on Thursday at 12:05am for being returned Wednesday and I did not receive any alerts for NSF and they will not give me my $175.00 in NSF back and I told them to note to the account that I am on my way to the ATM to take out every dollar left before they take the $650.00 left for something that they didn't post the day they decided to pull something out of their ###. I took all this money out so I can go and pay those bills which after $175.00 in fees is not enough and the check I mailed off is not important as Rent, Water, and Electric which is what was returned and then the check I mailed off has now (a day later on Friday) just been posted to my account as cleared and about 30 minutes ago it shows them refunding me the check they took out and is showing a pending $35.00 fee (not specifying NSF conveniently) now I have made a deposit to make my account in the positive by $1.00 and as soon as I pay all the checks they have returned I will close this account I have already called my employer and stopped direct deposit from this bank. I also have a Wood Forest National Bank account (Walmart bank) and they are the best! WoodForest gives you your direct deposit pay check a day early and if they return my check they post it to my account immediately and they post NSF instead of 35 pending fee and then a day later post NSF. Woodforest also does not do credit checks and I have a $400.00 line of credit to over draft now that I have had my account with them for 6 months. I changed my payroll from Woodforest to BOA to get the keep the change where you get money for debit transactions and I have not yet signed up for this service but I will not be signing up for it and I am going back to Woodforest where they refund you 1 NSF or OD Fee a year and they know your face and name and if you OD your account to bad they will put in on a loan for you with no credit check and charge you a small amount monthly until you pay it off so you wont get continuous OD fees and most importantly they admit when they are wrong unlike Bank of America.

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benandladonna
, US
Jun 19, 2009 9:01 am EDT

We have had a bank of america account for about 3 weeks now, we transferred all of our money to this new account with them. In addition to that had both of our paychecks direct deposit to the account. Quickly we recieve our check card and welcome package. NOW, we never have cash until we get it from the atm and we dont have checks so as I said we transferred every penny we had to this new account since payday was around the corner. We work for two different companiesbut are paid on the same day. We both recieved word that our pay would be into the new account, payday for both of us was 2 days ago and we still have no paychecks, our employers have proff they were sent to B of A, whats worse it that we made 2 other deposit before payday, two for 600.00 each. Means we should have had 1200.00 opening and with our paychecks thats about 3500.00 that should be in my account today. We opened this account online because the small Ky town that we live in doesnt have a good bank so we cant drive to VA everytime we have an issue. So for a week I have been trying to sign into the online banking tells me our account info is not valid. So I call this morning to find there is finally something in the account after 3 weeks but its only 600.00 my husband goes to the ATM to withdraw the entire 600.00 since we have no money at all right now since B of A has it all. He swipes the card and enters the pin number that we chose and it says invalid pin and puts a freeze on the account. After 4 hours of yelling at customer service reps who dont seem to care, we finally talked to a lady who agreed to unfreeze the account but claims it was due to use swiping our debit card too mnay times in another state. Like we could get up drive 5 hours to an ATM and drive another 5 hours back on no cash and doing all this within 2 hours time. They are wrong but she still tells us that we can only use our card for credit purchases and it will be 7 - 10 days till we can withdraw cash because they have to resend us a new pin code. All this and I still cant use online banking and she tells me that she doesnt see any pending deposits either. So somewhere is over 2000.00 of our money . . . I told my husband in 7 days when we get the pin lets go over to the ATM and withdraw everything that should be in the account. The lady tells us that she doesnt know when that it will be on there but B of A can hold the checks on new accounts to make sure that they clear and are good checks. She seems to think that a month is acceptable to wait for a check to clear. I am sure that when we go to the ATM and withdraw 3000.00 that we will have a large overdraft fee and we will probably never know what happened to our money. But we have all the proof that our money was sent to them and when they take us to court we will have the proof of the money and all the times that we contacted them for proof at least we will get our money back. This is crazy I wish that I had read all these complaints before I signed up with them. We were using BBT and I am about to go back they are a great bank we just changed because of the benefits you are suposed to get with the B of A checkings that you didnt get with the other bank. I would trade the benefits for this anyday. Just dont let them do this, scream and kick its your money.

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Bank of America worst customer care ever

Bank of america is the biggest recipient of taxpayer money the government has sent for bail out
I/we paid for it, now they are taking even more!

I have had my bank of america credit card for about 10 years. They contiued to up my credit line to $20, 000.00. Now that they are in trouble they have reduced it to $ 7, 500.00. A plain white envelope was sent in the mail and I almost through it out. When I opened it I was surprised to see it was from bank of america. All of the other mailings I receive always have bank of america on the envelope. They are now raising my rate, if I don't contact them. How many people threw away the same letter.
Their customer service is aweful. No one knows who the person is that I last spoke with, "we are too large to know the names of everyone who works here" "oh, that person didn't take notes or put anything about your last conversation." I have been waiting since 3/3/09 to get a problem on my bill corrected. All I hear is "my supervisor will get back to you, no we can't connect you"
Worst co> ever I have canceled my checking and savings and will now cancel my card

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Bank of America pending charges create overdraft fee

I am writing this note to make you aware of the unfair business practices that Bank of America is engaging in.
In the past, banks have charged an overdraft fee for posted items that took your checking account into a negative balance. This practice is fairly standard, and while the fees are high at $35 dollars an item, it is a known charge that each person can avoid with due diligence and careful accounting.
However, Bank of America has taken overdraft fees to a new level. Now Bank of America charges an Overdraft Fee if the "Pending Balance", goes into a negative, even though the actual account balance is still positive. Even though the bank has not yet "PAID" the item. In other words, the pending item has not posted to the account, so the account balance is still positive, but the pending balance is negative, so Bank of America charges a $35 dollar overdraft fee.
My example would be a pending watch repair charge that took my pending balance on Monday, 04/27, to a negative balance, but because of the watch company's merchant services, the item did not post to the account until 04/29. At no time did my actual balance drop below zero, but because my pending balance on Monday, 04/27, dropped below zero, Bank of America charged my account a $35 overdraft fee.
Bank of America changed their overdraft fee policies back in March of 2008, but I never heard of any change. I do not usually run my checking account in a way that this overdraft event would even be a consideration, but this one in a thousand event occurred with the watch repair.
I think the banking system in general and Bank of America in particular should not be preying on the unemployed this way, trying to generate a fee on something that has not even been paid yet. This type of fee generation is wrong, just wrong, and congress should do something about it.

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Oct456
La Jolla, US
Aug 20, 2009 12:00 pm EDT

I'm having the same problem with this same bank. Bank of America are crooks, how can they place a $35 fee when they can see that there is money on my account. Somebody has to do something about this injustice.

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Bank of America overdraft charges scam

We signed up for email alerts to inform us when our checking account was approaching 500.00.
Last week we got a snail mail alert (which we've never received before) telling us our account was overdrawn and
that we had accessed 450.00 in overdraft charges. We happen to have a savings account with them that unfortunately,
according to them at least, was not connected to our checking that would have prevented any overdrafting.

I called them today to ask about this and was initially talking to a girl who honestly spoke like a 12yr. old San Fernando Valley girl, it was extremely difficult to understand her, but after about 5 min. of being constantly put on hold while she pulled up my account I was informed that the last email alert they sent us was back in February 09, "well, I understand that, so why didn't you send us one last week"? "I dunno", was basically her response, I am NOT kidding...I asked her before she wasted anymore of my time whether she was in any position to refund these charges and that if not could she please just go ahead and transfer up the next rung to someone who was...she did.

I then spoke to a woman who instructed me that I should connect my savings with my checking to avoid this in the future and that as far as the email alerts go "we have problems in email addresses ending in .net and .com" I AM NOT KIDDING.
I told her, "well that must give you problems with about 90% of your customers I would presume..", "I don't understand what you're saying sir..." Once I got my jaw off the floor I told her that after reading about and hearing reports about B of A
in the news lately I wasn't surprised that she too, obviously was in no real position to approve a refund of these exhorbitant and fraudulent fees would she please connect me with someone who really was, if that someone even existed in her company...she then transfered me to Tony, who after dilly-dallying around with my issues proclaimed that Bank of America does not provide email alerts, (and they are called ALERTS) as a reason for someone to protect themselves from overdraft charges, but are merely a tool they use to "help our customers monitor their account balances".

I'm still reeling about this and am so totally disgusted with this corrupt and vile institution, I plead that our Government explode this unethical institution into a million parts...never to see the light of day again.

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Dan Bell
Pasadena, US
Apr 28, 2009 1:20 pm EDT

We are casting a documentary about unfair bank policies. Looking for stories with complaints about banks. If you are cast we will pay you. If interested contact bellmartel@sbcglobal.net for more information. Casting needs to be concluded by May 1st, 2009.

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mmatthews1966
Douglasville, US
Apr 28, 2009 12:35 am EDT
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Wow, sounds like you need a vacation! I have a bank of america account, I have low balance alerts, and have never had a problem! Sounds like you need to concentrate more on balancing your account, rather than focusing on the institute bank of america! They are not the people who bounced YOUR checks!

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Bank of America - awful bank

I entered the Bank of America located at 1672 E. 2nd Street, Beaumont, Ca to cash my payroll check drawn on Bank of America (note, I do not have a Bank of America account). I work for the county of Los Angeles and I have cashed my check at many other Bank of America branches with no issues. On this particular day I handed over my payroll to check to the...

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Bank of America Interest Rates

The Credit Union of Texas recently sold their MasterCard business to FIA services. I recently received a letter from FIA stating they were raising my interest rates to 19.99%, a 7% increase. I have an excellent credit score and have been with this credit card since 1983. FIA stated in their letter that, "As part of the Annual Percentage Rate Increase Amendment decision, we obtained consumer report information..." When I called, I was told that they were raising rates for everyone regardless of credit scores. When I asked how that could be they said that the cost of money had risen. When I suggested that the Federal Discount Rate was at 0.5% whereas a year ago it was at 2.50% when it wasn't seen fit to raise the card rate, I was told that I didn't know what I was talking about. I then suggested that they might be trying to cover off on bad loans by maximizing their income on the backs of others. Run away from this draconian company as fast as you can and tell everyone what they're doing. I cancelled my card and will pay it off at the lower rate. What are they thinking?

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Gogreen
, US
May 09, 2009 10:33 am EDT

I am in total agreement. My husband and I had a similar situation where our credit union transferred our cards and management to FIA. We both have had our cards with FIA for 6 years and prior to that 18 years with our credit union. We both received notice that our rate would increase 5% even though we have not had one late payment and we are making double payments. I was also told EVERYBODY's rate was increasing. I was also informed that I could call back in a couple of months to see if the rate would come back down. Doubtful. Seems like those who pay above the scheduled amount and on time are getting penalized for FIA's poor business ethics and customer service. We closed both accounts and obtained a card elsewhere.

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rose
Woodbridge, US
Apr 29, 2009 8:54 pm EDT

I found out they raised my APR to 24.99% without even notifying me about it. When I called them they hang up on me after hearing my complains. I have decided to transfer the balance to my other credit cards and just close this one forever.

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Bank of America Harassment

I have been trying for 4 months to get Bank of America /FIA Card Services to quit sending letters and statements requesting payment on two credit card accounts. These accounts are in my son's name. I have tried to get them to stop the harassment for payment on these accounts. They have been informed since December 2008 that my son was sentenced to prison for 10 years and would not be making payments. Somehow they changed his billing address to my address (I did not call to make this change and neither did my son). The US Post Office was the only place a change of address was made so his mail could come here. I don't know how they got my address. Today, after a Fedx letter was delivered to my address, I called again (4/23/09) to asked that my address be taken off their records. A supervisor kept me on the phone for five minutes trying to threaten what would happen if I or someone else did not make financial arrangements to pay on this account. He kept on with the guilt trip that a parent should take on the financial responsibility of a child (in this case a 45 year old adult). I kept asking him to honor my request to remove my address. This supervisor just kept on and on until I finally just had to hang up. Maureen Burd Agent-in-Fact for Robert Burd

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Bank of America - lowering credit limit for no good reason

Bank of America sent me a letter advising me that they were lowering my credit line from $48, 000 to $25, 000. No reason or explanation was provided though they referred me to my credit report. I thought that was strange because I have awesome credit in the high 700's and I always pay on time and have no credit card balance. I ordered my credit report, and...

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Bank of America credit card interest rate increase

I have been a Bank of America credit card holder since 1996. I have never made a late payment and my interest rate has always been 9.90% I've always carried a balance so the company has made money off me for 13 years. I recently received a letter stating that my interest rate is increasing to 15%. We all know that those of us that are responsible for making on time payments are now on the hook for those that do not. I was told by the "analyst" that this was a fair interest rate to charge me when I called to complain. I explained to her that although I would keep the card because having $30, 000 in unused credit is good for my credit score, I would never carry a balance with them again and they would never make a penny off me in the future.

Deliquent account holders should have their interest rates increased, not those of us with outstanding credit scores making timely payments. SHAME ON YOU BANK OF AMERICA!

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Credito22
, PH
Feb 10, 2010 4:59 am EST

We help consumers who have more than $5k in unsecured debt. We guarantee settlements at 55% of your current balance or better. Call or email me for more details.

John Shapiro
debtrelief@rocketmail.com
[protected]

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Dennis Dickey
Maumee, US
Sep 04, 2009 11:58 pm EDT

Bank of America is the worst of all banks. I have the same problem as the person that filed this complaint except my card was for a small business.

Since it was a business card and I have a balance, the clerk (many clerks) said there was nothing that I could do about the rate increase.

They all said that if this card was a personal card, I could have rejected the rate increase and never used the card again and the interest rate would have remained the same.

I am now on a mission to deter anyone that I know from using Bank of America and not respond to their credit card offers that they receive in the mail.

I hope they go out of business since they are immune from being arrested for loan sharking. I guess whenever they need money they just rip off their good customers.
Best regards
Dennis Dickey
Maumee, Ohio

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Bank of America Cancelling credit lines for no reason

Get this - FIA seems to be going on a rampage - my wife had applied to one of their offers for a "new" signature card because it was offered without a fee.

They called her and during the course of the discussion determined that she didn't work ( she's been a stay at home mom for 25 years). At which point the customer service agent told her he was not going to approve her and would even lower her current credit limit. Needles to say - she was pissed and told him so..

So it turns out the little vindictive ### types it up wrong ... and subsequently reports that I don't work ... so get this - they summarily cancel BOTH of my credit cards and my wifes as well ( all which had a zero balance of course) - without telling us! ( well - we did get a letter - 10 days later). Needles to say all ties to BofA have been severed - after 25 years of carefully building my credit - some low level idiot wipes out about 80K of credit line - because one of their customer service agents sucks - Good Riddance BOA.

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GaPch30269
Fayetteville, US
Jul 13, 2009 10:36 pm EDT

I had a credit card with Wachovia which was transferred to FIA in April 2009. I have a perfect payment record and always pay more than the minimum. I had a phone call from one of their "Senior Credit Analysts" (and I do use that term loosely) today who started a friendly conversation about how they wanted to update information and before the call was finished he lowered my credit limit supposedly because of a new federal law and raised my interest rate. I never use this credit card and actually shredded it a few months ago. I told him that I would close the account because I did not agree to the new terms. He told me that I could not do that since I had already been made aware of the new terms but that the bank could close the card and it would reflect negatively on my credit report. I asked to speak to his supervisor and was informed that he had the final say. I did find out that he has a manager but the manager will not speak directly to customers but will call me in 72 hours. I called back and got someone equally as arrogant an incompetent. I am paying off the balance at the end of the month and then will be through with them.

Bank of America Customer Reviews Overview

Bank of America is a well-known financial institution that has been serving customers for over 200 years. The bank offers a wide range of financial products and services, including checking and savings accounts, credit cards, loans, and investment options. Overall, Bank of America reviews are positive, with many customers praising the bank's convenience, customer service, and online banking features.

One of the most significant advantages of Bank of America is its extensive network of branches and ATMs. With over 4,000 branches and 16,000 ATMs across the country, customers can easily access their accounts and conduct transactions. Additionally, Bank of America's online and mobile banking platforms are user-friendly and offer a variety of features, such as mobile check deposit and bill pay.

Customers also appreciate Bank of America's customer service, with many reviewers noting that representatives are knowledgeable and helpful. The bank offers 24/7 customer support through its website, mobile app, and phone line.

Another positive aspect of Bank of America is its rewards program. The bank offers several credit cards with cashback rewards, travel rewards, and other benefits. Additionally, Bank of America's Preferred Rewards program offers additional benefits to customers who maintain a certain balance across their accounts.

While there are some negative reviews of Bank of America, most complaints are related to fees and charges. Some customers have reported high overdraft fees and other charges, which can be frustrating. However, Bank of America offers several ways to avoid fees, such as maintaining a minimum balance or setting up direct deposit.

Overall, Bank of America is a reputable financial institution with a wide range of products and services. With its extensive network of branches and ATMs, user-friendly online and mobile banking platforms, and helpful customer service, Bank of America is a solid choice for consumers looking for a reliable bank.

Bank of America In-depth Review

Overview: Bank of America is a well-established financial institution with a rich history and a wide reach. It offers a comprehensive range of services and products to meet the diverse needs of its customers.

Customer Service: Bank of America is known for its excellent customer service. The bank's representatives are responsive, helpful, and professional, ensuring that customers receive the assistance they need. The customer support channels, including phone, email, and live chat, are efficient and reliable.

Online Banking Experience: Bank of America's website and mobile app provide a seamless and user-friendly banking experience. The platforms offer a variety of features, including bill payment, fund transfers, and account management, making it convenient for customers to handle their finances. The bank also prioritizes security, implementing robust measures to protect customer information.

Account Options: Bank of America offers a range of account options, including checking, savings, and investment accounts. The bank's account fees, interest rates, and minimum balance requirements are competitive, ensuring that customers have flexibility and options. Additional features such as overdraft protection and rewards programs enhance the overall banking experience.

Loan and Credit Products: Bank of America provides a comprehensive range of loan and credit products, including mortgages, personal loans, and credit cards. The bank offers competitive interest rates, flexible repayment terms, and clear eligibility requirements. The application process is streamlined, and approval timelines are reasonable.

Investment and Wealth Management: Bank of America's investment and wealth management services are top-notch. The bank offers brokerage accounts, retirement planning, and financial advisory services to help customers achieve their financial goals. The investment options are diverse, and the fees are competitive. The bank's financial planning tools and resources further enhance the overall investment experience.

Branch and ATM Network: Bank of America has an extensive branch and ATM network, providing convenient access to banking services. The branches offer in-person assistance, safe deposit boxes, and notary services, ensuring that customers have a comprehensive banking experience. The ATMs are widely available, and the fees and functionality are reasonable.

Fees and Charges: Bank of America's fee structure is transparent and customer-friendly. The bank discloses account maintenance fees, ATM fees, and overdraft fees upfront, ensuring that customers are aware of the charges. There are no hidden fees or penalties, and the bank is committed to providing a clear and fair fee structure.

Community Involvement and Corporate Social Responsibility: Bank of America is actively involved in various social and environmental causes. The bank demonstrates a strong commitment to diversity, inclusion, and ethical business practices. It actively participates in community development and philanthropy, making a positive impact on society.

Overall Rating and Conclusion: Bank of America is a highly reputable bank that offers a wide range of services and products. The bank's customer service, online banking experience, and account options are commendable. The loan and credit products, investment and wealth management services, and branch and ATM network are also impressive. The bank's commitment to transparency, community involvement, and corporate social responsibility further enhances its reputation. Overall, Bank of America receives a high rating for its comprehensive banking services. However, there is room for improvement in terms of fee structure and further enhancing the online banking experience.

How to file a complaint about Bank of America?

1. Log in or create an account: Ensure you are logged in to your ComplaintsBoard.com account to proceed. If you do not have an account, please register by providing the necessary information and verifying your email address.

2. Navigating to the complaint form: Once logged in, locate the 'File a Complaint' button situated at the top right corner of the website and click on it to access the complaint form.

3. Writing the title: In the 'Complaint Title' field, concisely summarize the main issue you have encountered with Bank of America. Make it specific and clear, such as "Unauthorized Overdraft Fees" or "Difficulty with Mortgage Loan Modification".

4. Detailing the experience: In the complaint description, provide a detailed account of your experience. Include key areas such as customer service interactions, problems with account management, loan servicing, fees or charges that were unexpected, issues with online banking, or any other specific incidents related to Bank of America. Clearly describe the nature of the issue, including dates, locations, and any relevant transaction details. If you attempted to resolve the issue, outline the steps you took and the responses received from Bank of America. Explain how this issue has personally affected you, such as financial loss or stress.

5. Attaching supporting documents: Attach any relevant documents that support your complaint, such as correspondence, statements, or receipts. Be cautious not to include sensitive personal information like your social security number or full account numbers.

6. Filling optional fields: Use the 'Claimed Loss' field to quantify any financial losses you have incurred due to the issue. In the 'Desired Outcome' field, describe what resolution you are seeking from Bank of America, whether it be a refund, apology, or corrective action.

7. Review before submission: Carefully review your complaint for clarity, accuracy, and completeness. Ensure that all the information provided is true to your knowledge and that your desired outcome is reasonable and clearly stated.

8. Submission process: After reviewing your complaint, click on the 'Submit' button to officially file your complaint on ComplaintsBoard.com.

9. Post-Submission Actions: Keep an eye on your ComplaintsBoard.com account for any responses or updates regarding your complaint. Be prepared to engage in further communication if necessary to resolve your issue with Bank of America.

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