When I tried to usd my visa/ATM card in Delhi, India, I could not use it. The marchant told me that it would not go through. I was extremely embarrassed, inconvinienced, and worried what was happening to my card. Needless to say, I couldn't purchase what I wanted to purchase and went back to the hotel immediately to call Bank of America. I called from my room directly. I wanted them to reimburse me the phone calls I made which was about $77.
Not to mention the frustration of trying to get through to a manager. They refused to pay for it. I told them that I travel all the time with my job, and she told me "well, did you call us to tell us that you will be in Delh?" This is not protection for the customers, it's protection for them.
I have the receipt from the hotel that shows BofA phone number. I'm closing my account asap.

Mortgage increases with their so called cushion. They raised my mortgage $45.00 for a $60.00 escrow shortage. they call it cushion. They add the $60.00 shortage plus hike up $45.00 more for cushion. Bull crap BOA hard times are here and you do nothing to help it. this is not the first time this has happened. this is the 3rd time in one year. a total of $85.00 for cushion. and when you ask to waive for hardship they claim to remove but guess what STILL THERE HELLO. Stay away from BOA they are SCAMMERS.

To: Office of the Comptroller of the Currency (OCC) Date: 10-11-10
Customer Assistance Group
1301 McKinny Street, Suite 3450
Huston, TX 77010
Fax No. 1-713-336-4301

From: Stephen J. Guidetti

Complaint Against
Bank of America
622 Fairview Road
Simpsonville, South Carolina 29681
cc:
Frank Bentley
Banking Center Manager
Tel: 864-962-4005
Fax 864-962-4017
Cust. Svc. 800-432-1000
[email protected]

To the Office of the Comptroller of the Currency,

I would like to report Bank of America for refusing to allow me to enforce an Instrument (cash a check) drawn on their Bank without giving them a right thumb print even after I submitted a State Picture I.D., a Social Security card and a Birth Certificate. Uniform Commercial Code § 3-411 and § 3-501 specifically states the Reasons for Refusal to Pay/Enforce an Instrument and not giving a RIGHT TUMB PRINT is not among these reasons. Bank of America is violating Public Policy.

The incident:
I went to the Drive up window to Enforce an Instrument (Cash a Check) drawn on the Bank of America. I was told at the Drive up window that; “The Drive up window was for Bank of America Customers only and that I would have to come inside the bank and be Identified.” I went into the bank with a State Identification Card, A social Security Card and a Birth Certificate and was told I would have to be “Right Thumb Printed, when I refused to be Thumb Printed Frank Bentley the Bank Center Manager Refused to allow me to Enforce the Instrument.

Question:
With Three forms of Identification did Bank of America have Reasonable Doubt whether or not I was the person Entitled to
Enforce the Instrument. If I was given an Instrument (Check) Drawn on Bank of America does that then make me Bank of America Customer; whether or not I have a Bank of America Account? Is there any Doubt now whether or not I am the person Entitled to Enforce the Instrument?

I believe that with the all the Identification I had presented to the Bank that there was no reasonable doubt that I was the person
Entitled to enforce the instrument and that is the extent of my responsibility. Banks can not set Bank Policy outside the Law.

I have been damaged by Bank of America with Frank Bentley; Banking Center Managers Refusal to Pay an instrument that I was Lawfully entitled to enforce, in that Frank Bentley Banking Center Manager and agent of Bank of America has Dishonored my Instrument.
Since Bank of America is a Federally Regulated Bank this may be a case for Federal Court.

Solution:
Tell Bank of America and all other Banks to Stop Requiring a Right Thumb print to Enforce an Instrument it is Ignorant and unreasonable means of Identification, we need to stop this now before the Banks start requiring Blood samples to Enforce an Instrument; I say NO; We need to Stop this Now, no one else requires a Right Thumb Print form of Identification and it is not Required by LAW, like when you Pay by Check or Credit Card any where else.

__________________________________________
Signed Stephen John Guidetti
UNIFORM COMMERCIAL CODE
§ 3-411. REFUSAL TO PAY CASHIER'S CHECKS, TELLER'S CHECKS,
AND CERTIFIED CHECKS.
(a) In this section, "obligated bank" means the acceptor of a certified check or the issuer of a cashier's check or teller's check bought from the issuer.
(b) If the obligated bank wrongfully (i) refuses to pay a cashier's check or certified check, (ii) stops payment of a teller's check, or (iii) refuses to pay a dishonored teller's check, the person asserting the right to enforce the check is entitled to compensation for expenses and loss of interest resulting from the nonpayment and may recover consequential damages if the obligated bank refuses to pay after receiving notice of particular circumstances giving rise to the damages.
(c) Expenses or consequential damages under subsection (b) are not recoverable if the refusal of the obligated bank to pay occurs because (i) the bank suspends payments, (ii) the obligated bank asserts a claim or defense of the bank that it has reasonable grounds to believe is available against the person entitled to enforce the instrument, (iii) the obligated bank has a reasonable doubt whether the person demanding payment is the person entitled to enforce the instrument, or (iv) payment is prohibited by law.

§ 3-501. PRESENTMENT.
(a) "Presentment" means a demand made by or on behalf of a person entitled to enforce an instrument (i) to pay the instrument made to the drawee or a party obliged to pay the instrument or, in the case of a note or accepted draft payable at a bank, to the bank, or (ii) to accept a draft made to the drawee.
(b) The following rules are subject to Article 4, agreement of the parties, and clearing-house rules and the like:
(1) Presentment may be made at the place of payment of the instrument and must be made at the place of payment if the instrument is payable at a bank in the United States; may be made by any commercially reasonable means, including an oral, written, or electronic communication; is effective when the demand for payment or acceptance is received by the person to whom presentment is made; and is effective if made to any one of two or more makers, acceptors, drawees, or other payors.
(2) Upon demand of the person to whom presentment is made, the person making presentment must (i) exhibit the instrument, (ii) give reasonable identification and, if presentment is made on behalf of another person, reasonable evidence of authority to do so, and (iii) sign a receipt on the instrument for any payment made or surrender the instrument if full payment is made.

UNIFORM COMMERCIAL CODE
(3) Without dishonoring the instrument, the party to whom presentment is made may (i) return the instrument for lack of a necessary indorsement, or (ii) refuse payment or acceptance for failure of the presentment to comply with the terms of the instrument, an agreement of the parties, or other applicable law or rule.
(4) The party to whom presentment is made may treat presentment as occurring on the next business day after the day of presentment if the party to whom presentment is made has established a cut-off hour not earlier than 2 p.m. for the receipt and processing of instruments presented for payment or acceptance and presentment is made after the cut-off hour.
Federal Law
Title 31: Money and Finance: Treasury
PART 500—FOREIGN ASSETS CONTROL REGULATIONS
Subpart C—General Definitions
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§ 500.314 Banking institution.
The term banking institution shall include any person engaged primarily or incidentally in the business of banking, of granting or transferring credits, or of purchasing or selling foreign exchange or procuring purchasers and sellers thereof, as principal or agent, or any person holding credits for others as a direct or incidental part of his business, or any broker; and, each principal, agent, home office, branch or correspondent of any person so engaged shall be regarded as a separate “banking institution.”

Bank of America attempted twice to take $9, 680 out of my checking account (I am not with this bank and haven't been since 1998 or 1999) I've called several times to the bank to try to resolve this matter with no resolution . I want to know first of all why was this bank trying to take thousands of dollars from my account . I need some answers, because I don't want this to ever happen again, either to me or anyone else .

I successfully received a permanent modification from B of A in June. All payments before, during, and after the trial period were made on time. I have my transaction history and confirmation numbers to prove it. Yet B of A says I still owe two payments, and I've received 3 threatening letters of foreclosure. B of A Payments Research Dept. acknowledges all payments have been made, but they see that the modification dept. didn't apply them all correctly and I must get this corrected through the mod. dept. I've made no less than 15 calls including all the transfers, and have made no progress. I speak to someone new every time and there is no accountability. Even when someone says, yes, they can fix it and they'll call me back, I never hear from them again. I don't know what to do since I can't sit down with a human being and discuss this. I'm thinking I'll have to make 2 payments again to stop the threats, then take all my documentation to small claims court. HELP!!!