I used to work for Bank of America and as an employee they offered a benefit where if you used them to finance your home they would give you a $5000 loan and all you were required to do was pay the interest on it for the duration of the loan. I knew that would change when I decided to leave the company, and was prepared to pay back the remainder of the loan along with a reasonable interest rate...What I was not prepared for was to have my interest rate raised to 15.5%. Both my wife and I are on the loan and both of us have credit ratings over 750. I am not sure how two co-borrowers with such excellent credit ratings could get stuck with a 15.5% interest rate, and I would like to file a complaint

I contacted Bank of America by phone today to find out why they had charged me (4) 35.00 overdraft fees. I show that my account was still had 8.00 in it when they began charging me these fees. Granted I have been with Bank of America for over 7 year and they have never done this type of thing before. I contacted the 18004321000 and spoke with Ishamela who was very nice but proceeded to tell me that three of the overdraft fees that they charged were for a pending transaction of 28.00 that did not clear until 8/3/09. They processed the fees on 7/31/09. Keep in mind, I receive my direct deposit 8/1/09 from the State of Texas - actually BOA receives my direct deposit on 7/30 but they hold it until 8/1/09. She stated they do that for pending transactions now. If this is policy for BOA, WHY ARE THEIR CUSTOMERS NOT INFORMED OF THIS INFORMATION. How can they change policy about MY funds and MY account without informing THEIR "valued" customer of the changes? I told her that they are stealing money from their customers when they do that. How are you going to charge a fee for a transaction that is pending and has not yet been cleared thru the bank?? She stated there was nothing she could do about it. I then went online and talked to an online rep. I do not remember his name but the supervisor stated his name was Sam. He then told me that this is their practice and they will not do anything about it. When I asked for a corporate number he stated they don’t have a number just an address. This is ridiculous. I am being penalized for pending transactions. They took a total of 140.00 from my account and 135.00 of that was for a transaction that had not even cleared the bank. I have never been treated like this before. They didn’t even try to satisfy a "valued" customer as they stated when they pull up my information on both the phone and the internet. They just stated what they were not going to do and moved on from that point. All of this took place 8/6/09. I tried to contact them 8/1/09 and the line was so busy I couldn’t get thru. I work 8-5 with the state. It is difficult to find time to do what needs to be done. I am outraged that banks are pleading with the government for funds and ripping off the people who trust them to take care of their money. I will be sending this information to every possible consumer and agency to try to get this resolved. It is obvious that Bank of America doesn’t care. I pray that you all do. Thank you.

Supervisor: Neftali, said he would refund me $70 dollars to my personal account. He said his name was Gabe and unit number: 11712. He lied about everything. BofA will not give me his last name and unit number.

BofA is now not siding on my case of the refund.

What does an individual consumer like myself suppose to do with employees who aren't professional and in fact are negligent and deceitful?

They want to put ten million dollars into my account with my Bank of America account

I've been banking with bank of america for 4 years now, and in the last year my reward for being a loyal customer has been to wait for 45 minutes to 1hour 15 minutes the last 6 times i've called. What bothers me the most is that the estimated wait time was 4 minutes every time. So now with bills backed up, my banking problem still unresolved, and no one at the banking centers around here to help me because they all told me to call, I also have to go and ask for money on the streets after i get out of work just to pay this phone bill. I almost have enough now on my fourth day walking around with a cup, but I think I would at least deserve an apology.