I chave a reserve account just in case of an overdraft. On 29 March 2010 I had a $5.63 overdraft. I had a positive balance of $20 in my reserve account.

Bank o America charged me a $35 overdraft fee on 29 March 2010. Bank of America charged me an additional $35 since I did not deposit the funds to clear up the $5.63 overdraft AND the $35 overdraft fee.

I contacted the Bank of America and asked why my reserve/overdraft protection account was not used to cover the $5.63 and the customer service agent told me that the reserve/overdraft account fees were only distributed in $100 increments and I only had $20.

This inadvertent overdraft for medications has now cost me $70 + $5.63.

Bank of America should be brought to task on this and should be ordered to refund the $35.

In addition, Bank of America should be instructed not to overstep the boundaries of overdraft regulations.

Hey,

My name is James and I have been unfairly reported to credit agency's by Bank of America. I called up to get a reduction of my interest rate to get a callback 2 days later from the gold option hardship dept on November 25th. They offered a deal if i close my account and tried for hardship they could get me a lower interest rate. They gave me till DEC 15th to make a decision. I called back on DEC 11th and accepted and gave 640 dollars to start in program. I asked the CSR if they would be any other charges due and she replied all I needed to pay was 640 dollars. I was accepted to the program and advised that my next payment would be due in January.

January came around and I received my acceptance letter and my terms explaining what was said to me on the phone including no late charges and only having to pay anytime in that month it was due. Amounting to 640 dollars. 2 weeks later received a letter on the 26th on January from Bank of America saying I was 1280 dollars behind and needed to make arraignments for payment. Called CSR at Bank of America on the letter provided and was informed that I was a payment behind and still owed 738 dollars for my November payment. I read the letter to the CSR that Bank of America sent and she agreed to what was in the letter and was told i needed to pay the 640. She told me that billing was still catching up. 1 week later was called again after making a payment for 640 and was told I was still behind 640 dollars and need to make payment. I then made 2 more payment for 640 dollars in February to be caught up on account.

I called Bank of America to find out what was going on and found out that I was 1 payment behind but it is only reflected in my DEC 09 billing statementing, other statements are saying 640 dollars. The CSR tried to keep harping on DEC 09 which should have been 640 because there billing was behind. Every statement from then on has said I have only needed to pay 640 dollars. I argued and caught them out on a tall tale in which they could not explain where the 768 dollars extra had gone and I had been not adjusted. The big issue I have is they have reported me late for two 30 day late and their online billing and payment option has told me from the DEC 28 that my payment has been 640 dollars. I am sick of dealing with their hardship department and they have been proven wrong. I was not happy when told I needed to get legal action to fix. Also where is the 768 dollars that has now disappeared from my statement that they are dinging my credit for 2 months in which I had paid 640 dollars. They accepted and told it was taken care off by the CSR. I have had this loan for 10 years and it had originally owned by MBNA which I never had issues with. Bank of America has deceived me and caused damage to my credit history which was in good standing with all credit agencies. Has anyone else had this same issue

This is how I feel about what BofA and these too big to fail banks potentially did to us:

Song: Piggies by George Harrison

Have you seen the little piggies
Crawling in the dirt
And for all the little piggies
Life is getting worse
Always having dirt to play around in.

Have you seen the bigger piggies
In their starched white shirts
You will find the bigger piggies
Stirring up the dirt
Always have clean shirts to play around in.

In their sties with all their backing
They don't care what goes on around
In their eyes there's something lacking
What they need's a damn good whacking.

Everywhere there's lots of piggies
Living piggy lives
You can see them out for dinner
With their piggy wives
Clutching forks and knives to eat their bacon.

I like many other contacted Bank of America about the Home Affordability Program and was given the run around for months and finally was contacted by a representative about the program. I supplied some basic information over the phone and was told I would be contacted if I qualified. In June of 2009 I was sent a package requesting financial information to verify my earlier statements which I did immediately.<br />
For the next nine months I was either contacted by phone, letter, and Fed Ex mail for more information, continually stating they had not received the requested documents earlier. I called every time to verify receipt and was told the documents were received. I allowed representatives from Bank of America to drop in unannounced to verify I was living at the address. I allowed an unknown person with documentation that they were a representative from Bank of America, come to my home unannounced to take profit and loss statements from my business for Bank of America. I wrote letters, faxed and phoned trying to speak to my adjuster and was ALWAYS met by a representative that would take the message and tell me they would contact me.<br />
This went on for nine months and finally I received a package saying that my loan would be modified.<br />
Sounds good, doesn't it?<br />
The program works. <br />
WRONG!<br />
Bank of America lowered my interest rate .65% while adding on 9 months of the difference of my trial period payments to my original monthly payment and added it onto my original loan. That's right, if I accept their modification I owe them seven thousand dollars more than my original loan and my monthly payment is just fewer than sixty dollars less. I other words a qualification that was to take up to 45 days and my new payments once accepted would be my trial period payment or slightly higher took nine months for Bank of America to do their job while making seven thousand dollars from a client that was already experiencing financial hardship. The best part is not only is my "new" adjusted payment which is eight hundred dollars more than my trial period payment, it's due in seven days or Bank of America will seek all back money owed and immediately seek foreclosure. Also, this months trial period payment I have been given a grace period of 30 days to send that in. In sixty days I have to send Bank of America two house payments and a trial period payment.<br />
They got me!<br />
This is not how the plan was intended to work. This was not to be another way of Bank of America to make more money. They owe us, remember the bail out?<br />
What can be done? I am at a loss, just having received my acceptance into this great program.<br />
Any help would be greatly appreciated.

I was notified by the Indiana Attorney General that I had unclaimed property in the amount of $1.000. and that Bank of America had the money (bond) I sent the IAG the necessary info they required. They inturn forwarded this info to BA. This was approx 3 months ago. I have called BA but they have not responded What do I need to due.