There are unauthorized charges to bank account from this company and i want the money put back before i take legal action. So cancel this charge.

I went to my Bank of America to withdraw a sum from my savings account to invest in another bank that paid higher interest. I asked for a Cashier's Check, & was informed that the fee would be $6.00. Since BOA had only paid me $6.45 interest in the past 4 months, I thought this was ridiculous. Rather than submit to this form of "bank robbery", I took my money in cash. BOA has forgotten that good customer relations rely on the small courtesies and services that only a bank can offer to its customers, including reasonable fees for such services. Gouging customers with excessive fees is not good business. The next thing they may do is install toll booths at their doors and charge a buck to enter the bank.

The bank of America located in abingdon md has a particular women named debbie glemming whom purposely i9ngnoreed returning my calls for over 4 hours. And when i asked for a manager they told me he was at lunch. Mind you this was at 3pm! I will never bank there again and i have at least a half dozen other tails i could tell about that location.

Copy of letter to OCC:

Bank of America charges overdraft fees on accounts with a positive balance by debiting them when checks are issued via online banking rather than when they are cashed.

A check for $4,400 was inadvertently sent from the wrong account with a balance of $3,000 on BofA online banking. Four small checks were posted following this. Discovering the mistake the day the checks were issued I immediately transferred $5000 into the account, then checked with customer service, who indicated that an overdraft fee of $35 would be charged for each check. This is a total of $175.

Contacting the recipients of the checks to make sure that they had been able to cash them, however, I was informed that the checks had neither been received nor cashed, which means that the account has a current real balance of over $8,0000, an excess of more than $3,000 over the written checks.

A second call to Bank of America online Banking Service clarified that checks are debited on issuance rather than when they are cashed (these will be received as paper checks, not electronic transfers. This means that I would be charged overdraft fees of $175 on an account which has never had a negative balance and currently carries a positive balance of $8,000. Nice trick for BofA, but legal?

I have resolved my particular problem with belligerence and acidity, but this is a situation which, if legal, should not be. It's one of several gotcha's in the Bank of America online system. Beware.

I set my account for an alert to reach my email address five days before a payment is due. The payment date in any month is not set -- it floats. Therefore, the date on which the payment is due fluctuates.

Bank of America offers this alert service to customers. Supposedly to help customers make their payments on time and without incurring a late fee. Bank of America took over MBNA some months ago. My MBNA account had the same alert functions and they worked correctly. I got an alert gtom B o A for the May payment. And made my payment timely. I have a record of regular and timely payments to MBNA & Bank of America.

My account page at B of A, as of today, notes that an alert was sent in May. It has the correct email address. An alert was not sent for June. When I realized I had not made a payment, I was late by twelve hours. I checked my alert functions on my account page: they are set correctly and the list of past alerts sent does not include one for June. So B of A failed to send it.

I sent a note to B of A on my account page noting that the alert function had not sent me the usual message five days in advance of my payment date. I objected to any late fee imposed. At the time I sent the note, no late fee had been imposed so I hoped for the best. I checked the following day for a return message but none came. My account had, by that time, been charged a late fee.

Today a note arrived from B of A telling me what a wonderful customer I am and how useful the alert function is and how the Bank is so happy I use this and offering a "do it yourself" lesson in setting this up if I had any problems.

The end of the message told me that the late fee was justified and I could basically forget about having that removed from my account. So what the Bank of America does is set up a system to send alerts to customers so that customers get a sense of security in using it and relying on it for a timely reminder. But if the customer pays the bill on time too often and doesn't generate late fees for the Bank, then the Bank "just happens" to switch off the alert function in the background after many months where the customer has relied upon it.

The customer has no idea the alert function will not work as it previously did and then the Bank sends a GOTTCHA!! note with a fat late fee when the payment is late.

The Bank creates a late fee for itself by disabling the alert function without notice to the customer. Because the Bank controls the software which runs a customer's account page, it can make the account page look to the customer as if it is properly set up for the alert function to work properly. My account page shows the function is still set up to work the way it always has in the past. But, quite obviously, the Bank has disabled the alert function "behind the scenes" so a message is not actually sent out to me. Then it charges a late fee.

Scam. Complete scam.