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 1-704-386-8908. 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.

Bank of America credit cards have their system set so that sometimes due dates fall on non-business days, for example Saturdays and Sundays. However, they will not accept payments on non-business days, which means they will not accept payments on the due date, and your payment is therefore due earlier than the statement due date.

Specifically, a payment must be made by 3:30 p.m. EST or it will be credited to the next business day. Let's take a fictional example. Your statement says "Due June 13". Let's say June 13 is a Friday. You go online June 13 at 8:30 p.m. to make your payment. Too bad, it's already late, it won't be made until Monday, June 16th.

Or, let's say you go to your local BoA and make your payment at 3:40 p.m. on the 13th. Again, you are too late. Even though you are IN their bank ON the due date, it is considered to be made on Monday the 16th.

Now, obviously, you COULD have payed them on time on a Friday. Let's take another example. Let's say your statement says "Due June 15" and June 15 was a Sunday. You CAN NOT pay them on a Sunday. You can't pay them online, or on the phone, or in person, or by mail. There is no way. You can't pay them on Saturday, June 14th, either. So your payment is ACTUALLY due on Friday June 13th. But there is NO indication of this written anywhere on your statement.

So, again, if the payment is due June 15th, Sunday, and you walk INSIDE the Bank of America on Saturday morning the 14th and make your payment the day BEFORE it is due, it is STILL considered late, even though the employee is looking right at you and can look at the calendar and KNOWS you aren't making a late payment.

Then they will charge you a $39 late charge, and possibly raise your interest rate. This has happened to me! I've tried to discuss this and get the late fee removed, etc. and it's like talking to a brick wall. It's their "policy". I find this to be fraudulent. After all, in this age of computers, they can certainly accept payments on the weekend. The computer knows what day the payment was made, and the time down to the millisecond! They could certainly accept my payment made in person inside their bank on a Saturday, and they could also accept online payments on weekends dates if they so chose. I know that I can pay American Express online anytime, 24/7. I could log on Sunday at 11:50 p.m. and make that payment and they would consider it paid on time.

At the very least, they could change their due date system to not issue any payment Due Dates for non-business days. So if, due to rotation, it would be due on a Saturday or Sunday, it would either bump it forward to Friday's date as the stated due date (which is really true anyway) OR they could be courteous and bump it back to Monday. I could accept this, but not this sneaky cheating method of payments being "due" on days when they will not accept my payments.

I do not recommend Bank of America to anyone, for ANY of their services. I've had bad experiences with their savings, checking/debit AND online banking as well as credit cards. The only advice I have is to stay far, far away!

Recently, I made purchases on my BOA account. On Saturday, after the "end" of the business day, I found I was in the red by $22.00.

Because I had cash, I deposited in my account and had a positive balance. Then I was given another check of $373 and put that in the account. Until today, all the charges were pending. So almost $500 in my account, and then I find that most of the oldest transactions are either pending, or they've been given an earlier date to justify the $35 fee taken out of my account.

I'm not a rich man, but at the same time, if I owe money, I pay it. But every time I turn around, the system is backdated or the charges posted out of order to make sure I have to pay. When I asked about this, I was told to make sure I pay attention to how much I spend. When I said that I'm poor so every penny is always looked at, they got upset. I'm paying more in bogus bank fees and charges than what I have because even when I put money in, they still keep charges pending until more money comes in the account. More than once, I've seen a transaction post 3 days earlier or a deposit post for the next day, even if it's been on time. What should I do?

I went to use my b of a debit card and it said that the bank would not process it. I tried getting gas and it wouldn't let me. I also tried the atm and it still wouldn't let me. I am 5 mo pregnant and have an almost two year old son who needs diapers which i was also going to buy today and that didn't happen. This is very frustrating. I don't know what else to do. I hope this report helps...

I called the bank the next morning and they said that my account was being referred to risk closure and that there was nothing they could do. I have $150.31 in my account that they will not let me have.

I also do online banking and in the past have had several overdraft charges when my account says its positive. This is getting old and costing me money that i can afford to lose out on.

On June 11, 2008 I was charged for four overdraft fees. My checkbook register and the on-line statement provided by B of A agreed. However; the on-line statement the bank actually uses disagreed by $44.33 I contacted BofA and asked for an explanation of the disagreement. The rep and eventually the supervisor I spoke with could not provide an explanation. All they could keep saying is that I made a mistake in my register. Ok, but how did I make a mistake with their on-line statement? They/she refused to refund the fees. As a result I am unable to get medicine for my diabetes or the appropriate groceries for my condition. Instead the money I have coming in goes to their fees. It is their mistake. In my opinion I believe they (BofA) manipulate the accounts that are getting low to accomplish the gaining of fees.