Deposited a check given to me by my son, Money was immediately taken from son account and they put a hold on the funds on my account. I used the atm/debit card three times for small debits which they have debited my $35 per instance.
So they charged a $105 for giving a one day overdarft for $32.00.
They had the money with them., ...where is our Governmnet as we talk about being fair to citizens.
Who controls this country.

Bank of america simply a thief that hold our money ransom. I believe our Government should have let them bankkrupt.

we received a letter Saturday that our checking account with BOA was going to be put on restriction in 21 days and closed in 30 and that it was a business decision. We have been banking with BOA for over 10 years and have the worldpoints card and all of our mortgages with them. We pay off our card each month because we use it for everything to accumulate points and use our points for gifts and vacation travel. That same saturday morning with no advance warning our credit card was declined and when we called they stated it was closed due to inactivity. which is totally false because as I said we use it for everything and had just used it the night before. Our credit score is well above 700. We have called and gone into local branches and no one can help us other than directing us to call the account closures department. That department is simply a recording stating they r busy with other customers and stresses twice at the beginning and at the end that it is the BOA is not required to explain the reason for the closure. So basically they say leave your name and number and we will call you within 24 to 48 hours but it is their policy and they are not required to tell us anything. We are also unable to access our funds locally. To make matters worse we have over 500, 000 worldpoints that we were saving for vacation and I cannot even access my worldpoints account because the card was closed and was told when I called that the points are usually forfieted when accounts are closed!!! We received a call from the account closures dept and they said they do not have to nor will they tell us why the accounts were closed and that our points are forfeited as per the credit card agreement and that there is nothing we can do!!! That is crazy!!! we earned those points!!!

Bank of America kept my husband and me tied up for 3 months, from December 17, 2010 to March 18, 2011, waiting to close on a small loan in the amount of $40, 000 on a home short sale price of $54, 000. We agreed to put an additional $10, 000 down in the beginning of February, making the loan only $30, 000, and were told we would close in one week if we did that. Then 3 weeks later we were told no. I contacted the regional manager of the bank in Reno, who called JulieDonald, who was the Loan Approval Dept manager, and then we were again accepted for the loan, but now they had to send the loan to their legal Project Approval Dept because the Heritage South HOA was in litigation with many other condo associations against another bank for not paying 9 months of HOA fees in foreclosure sales. This had ABSOLUTELY NOTHING to do with anything at all with our loan, but after 2 more weeks, we were denied for that reason. My husband and I own our large home free and clear, own another condo which is rented for $775.00 month, and have a land contract where we collect money every month for that. We owe nothing. If we cannot get a loan, who can? We are irate at our treatment by Bank of America. The American public bailed these banks out, and they were given money to assist people with buying homes, but they keep looking for any loophole so they do not have to loan money. We are going to lose our home because of them.

Bank of America and BAC Home Loans is the most criminal banking organization on our planet. Their only goal is to destroy millions of lives not help them like they say on their website. This is misrepresentation and false advertising. Quite honestly, the whole banking system needs to be replaced. Many people are standing up and fighting these monsters:
http://www.free-press-release.com/news-florida-couple-file-lawsuit-against-bank-of-america-for-mortgage-servicing-fraud-loan-modification-and-rico-without-an-attorney-1299633088.html

The Bank of America is making new headway in the area of ripping off its' customers. Not only do they purposely clear and post deposits and withdrawals in a manner to overdraw your account they do it in a fashion to specifically charge the most in fee. This has happened to me on several occasions where if given a timeline it would have been fine but using their method cost me hundreds. On top of this when closing the account they took a check that had cleared and bounced it. This left my account open causing chaos to my bill pay. What is crazy is they let me close the account with the amount of the check in it but then said that the money left hadn't cleared yet. It makes no sense how they come to that conclusion but they were able to get 35 last dollars out of me. Please consider other banks as this is one of a hundreds horror stories I have heard about them.