Same as all the rest here, this 'Bank' has apparantly resorted to theft to fix their economic woes. BofA hit me 6 times for almost $200.00 in fees in 2 days. I saw there were a couple small charges pending (NOT POSTED) the evening prior, so I online transferred $ to more than cover them. Got hit with (2) $25.00 fees on the next day anyway. Those 2 fees pulled my account down so 2 more went NSF. They then charged me $35.00 each for those 2. Total of $140.00 overnight. I called the 1-800 number and plead my case - got $60.00 refunded. I was still pissed, but at least I got some $ back. This gets better, though. Knowing that I had 2 new charges on the way, I immediately went to the local branch and deposited cash in that account and added more cash still to the account that covers overdrafts. The teller saw two more charges coming, and said nothing. Logged on today to find 2 more $35.00 charges for those 2. AND THE MONEY WAS THERE! They said 'those charges were from the day before, and the money you deposited wasn't there then, even though it didn't post until today'. WHAT?!! I called 1-800 and lost it - got nowhere. I called back and tried with another rep - got nowhere again. Tried a third time, and viola, got my $70.00 back. Folks, just keep calling them until you get success. Also, call the business number for customer assistance, there is no cue line to wait in, and the business account reps will help you with your personal accounts if you have a business account. This is a total scam - We have absolutely no proof as to when a charge is going to be posted to our accounts from a check card. The bank is in total control as to when these hit, and and they 'claim' that they have no control over when the vendors submit the charges. When they see a situation where their pulling money to cover NSF fees will result in a chain reaction of NSF's and more fees, they do it. This is a recent thing - I used to transfer money online to cover these issues, and was never charged NSF's before as long as I transferred money to cover them while they showed PENDING. I see the reports just like mine coming from everywhere, and it looks ripe for a class-action lawsuit to me. Better yet, spread the word that BofA will steal your money to every friend and relative you have, close your accounts and move your money to a local bank that does not take government bailout money. And call Clark Howard! I just did, maybe if enough people call him, he'll air their dirty laundry NATIONWIDE. They deserve it.

When I was employed, I paid Bank of America on time and 3 to 4xs the minimum monthly payment. Now, that I'm on SSDI and making one-half the amount I did while employed, I have called several times to have my interest rate lowered. My interest rate started at 7.99%, increased to 13.99% and then to 19.99%. For what, because I paid on time and made more than the minimum payment. Also, because I'm in the lower middle income bracket, I'm being charged a $59 fee each year. I am still making my payments on time and giving more than the monthly minimum while on SSDI, and they will not lower my percentage rate. Because people do not pay on their credit cards, I'm paying for them. We, the American people, bail out these banks with our taxes, and when we need assistance, they will not even budge an inch to help.

So three days before our buyers walk through and settlement, the Bank of America foreclosed house next door burns down! If they had taken care of this house e.g. mowed the lawn this would not have happened. If I lose this sale I am going to sue BOA! Yes, it would be preferable to have a vacant lot than an empty house, but it BOA going to clean up the mess ? If they couldn't mow the lawn I doubt it.

It is really surprising that Bank of America can survive the financial crisis with the type of customer service it has.
America needs to rebuild itself by purging itself of the poor employee quality and their indifference to customer needs.
I arrived in America in 2007/08 and happen to open a bank account with BOA and Citibank in the vicinity of 1414 Cambridge Massachusetts
I came here as a student therefore did not have any job. I had enough resources and was told to apply credits cards to build credit history (another irony as credit cards use would mean you have a problem with credit)
I was told that I could only open a secured credit card by depositing $1000 as I have no credit history in America.
I duly open the accounts by placing the deposit. This started my cycle of initially using the card and then paying late charges until the ultimate billing reached the credit limit. From where I came there was no need to monitor as everything was automatically deducted from bank account and was erasily setup. In America you have to make such arrangements and when I tried there were some limitation for Bank of America that stopped me from pursuing that approach.
In Apr 2011 I therefore decided to terminate my BOA credit card as it was creating bad credit history and I was simply accumulating late charges
I therefore assumed that was the end as the secured credit deposit will offset the outstanding payment. In Jun 2011 I kept getting calls from automatic phone calls that remind me that I was 2 months past due and have accumulated another 194 in late charges.
When I enquired, the bank customer service replied that my card was not secured and therefore there was no deposit. They kept maintaining that their system was the 'truth' and everybody else was wrong. Upon further checking and after alot of pestering they said that I was given the unsecured card based on an income declaration of $75, 000 and the fact that I was a student with Harvard. Both of this was a completely not true and appeared as an internal fraud.
They refuse outright to investigate the matter and deemed it unnecessary. They were not even able to tell me which branch the card was open at and said that I will need to show them a receipt to proof that I did make a deposit. They left me to check with the branch directly who duly told me that all records were sent to the secured credit department and therefore they could not provide any documentation as proof of opening the card and the conditions I signed to.
Throughout the customer service representative were very high-handed in dealing with me. They did not see a customer as an asset but a problem which they could quickly transfer to someone else and wash their hands off the case. They do not see it necessary to understand the customer but instead will just tell you in a matter of fact that there is nothing they can do and there is no one else in the entire bank that can assist. They claim that they are the most senior and then when asked about certain details, they said that that was a responsibility of another department for which they have no insight.
I have bank with many and never have seen a customer service so pathetic and poor in my whole life. I had to tell them on several occasion that we are the customer due to whom the bank exist. It appears this message does not seems to sink in and rather they see themselves a a mere digit in the large bank and therefore can get away with an indifferent attitude and were get away with the minimum of effort and service
I will never recommend Bank of America to anyone and really hope that the bank closes down and rebuild itself with a new and more productive team. This bank brings a bad name to this great country.

BANK OF AMERICA HIRED A COMPANY COOPER CITY WEST . They came to a house of mine while i was on vacation over seas and took the all the things in the house and in the yard out my shed and winterized my home change the steps and broke into my home, my sister called me while i was on vaction overseas and told that they foreclosed on my house which she lives on the property to i told her i dont owe bank of american any money, and to tell them to leave my property now, my botherinlaw went to the house and told them they got the wrong property the guy said no we have the right property and continued to remove my stuff. i am a disable veteran, with a nerve condition i was ill to here this while on vacation . i cut short my vacation and wedding plan to return to settle this when i got home i called cooper city west and they told me (we sorry we went to the wrong property) and told we have insurance for that'