Bank of America kept sending me credit card checks with a low interest period. I have 2 credit card with them & they have changed the numbers on both accounts 3 times over the past 2 years. It's been very confusing to keep the numbers straight. On one account I paid the balance every month & they kept sending cash advance checks. In 2009 I only had 6 weeks of work so in Feb. 2010 I used a credit card check so I could pay bills. They charged 4%, $720.00. cash advance fee up front. When the low-interest period was up (Sept., 2010), they raised the rate to 19.23%. I have excellent credit and have always paid my bills so I called to question the 19.23%. After that call, they took all the outstanding balance of credit on both credit cards away (which increased my debt to credit available ratio) and they would not lower the rate. I kept getting credit card checks every month with a big, bold 9.9% rate once the low-interest period was over. When I called about that, they said it was on my other credit card. They were confusing with all the credit card number changes, the monthly checks with 9.9% rate after offer period was up, and absolutely inflexible with the rate even though my credit is still excellent. Is there anything I can do? They get stimulous money, unprecedented low interest on their loans and they try to confuse consumers & then charge 19.23% interest!

I refinanced with Bank of America on 10/25. Old loan was paid off. New loan payment starts 12/1. No payment was due 11/1. I went online to my BOA account and removed my automatic payment info. I followed up with a phone call to BOA to ensure that I'd done what I needed to do to stop the automatic 11/1 payment. BOA assured me I had -- even said they'd track it to ensure it wasn't taken out of my checking account. On 11/1 it was: almost $2500. I've been calling them ever since. Every day it's a different story -- check's in the mail...this will be electronically restored to your checking account within 3-5 business days...today was told it would be 14 calendar days from the day they "discovered" the error...!!! No one there cares about the customer. Stay away from doing business with this bank!!!

- Bank of America makes nearly 40% of their annual profits from fees, charges, etc. to their "valued customers", and will soon be charging around $9 to speak to a teller at any branch. -As stated on CNN in October, 2010-

I have had my share of horrible experiences with them, and actually just finished up with the latest claim on my wife's B of A account.
Months ago in May, a company called "Passport to Fun" charged her account without her realizing it until a couple of weeks ago when she noticed a second charge from the company and decided too look back. We filed a claim at the local BofA branch (HELL of a process) and they said the claim would be processed and the charges reversed within 7-10 business days.
Come to find out as I investigated today, they reversed all but ONE charge which was an "extended negative balance charge"- keep in mind they just closed out her account due to the neg. balance AFTER making the claim. She only had the negative balance due to the unauthorized transactions that took place, and BANK OF AMERICA'S ADVERTISED POLICY is that YOU, the account holder, are NOT responsible for ANY UNAUTHORIZED TRANSACTIONS on your account.

After my many phone calls to several different departments of BofA, (the run around) I found out that the company that charged her out of the blue (Passport to Fun) IS AFFILIATED WITH BANK OF AMERICA! The BofA rep actually told me that, (probably without knowing my suspision). Included in this piece of information I found out from the rep that Bank of America never actually filed a claim on my wife's behalf, they just spoke directly with Passport to Fun and had the charges reversed. It was no problem due to their "buddy buddy" relationship. However, they still closed out my wife's account due to being in the negative from these unautharized charges from their affiliate. Looks like I spoke to the right rep at the right time, because in my past experiences, the customer service reps could care less about you're issue, don't know anything (or chose not to tell you if they do), give you the run around, and in the end, you're right back where you started.

I will leave you with this final statement/personal opinion.

Bank of AMERICA puts shame to our name. AMERICA: Land of the free, home of the brave, and everything in between.

-Ryan
Another victim of the system

And oh, p.s.
Don't bank with Bank of America
(as if you didn't already figure that out)

Bank of America has a Recovery Fund Service within their banking structure. They helped themselves to my checking account and took out $833.57 leaving me with next to nothing. This is not the first time that the bank did this to me. They seem to feel entitled to just dipping their greedy hands into someone's personal checking. I had a 30+ year relationship with Security Pacific and then I inherited this miserable bank. I am going to another bank and will not have anything else to do with Bank of America. Legal robbers of consumers hard earned money!

BANK OF AMERICA DUPLICATED PAPER CHECK TWICE, REFUSED TO GIVE CREDIT BACK FOR 5 DAYS AND
WILL NOT REFUND NSF FEES, DUE TO THERE ERROR.