I want to make this short and quick. Bank of America has a scam going called Check 21 rule. It's a scam that creates "FALSE Overdrafts" You can keep your accounts in the black all you want and it won't mean a thing. They create the overdrafts for you.

IT IS BANK FRAUD PURE AND SWEET!

I'm going to file suit against them asap. If you wish to join this civil suit email me here with your contact info and you will be listed on the suit as a plaintiff against Bank of America. I will make sure that you are contacted by the attorney before the suit is filed. The more people that have the guts to slap them down the faster they will fall.

THEY ARE NOT A BANK, THEY ARE RACKETEERS!

I am a student who lives in Lake Forest, CA. I do all of my banking in Lakewood, since I go to LBCC. I was recently checking my online statement, when I noticed that I had been charged 8 overdraft fees for transactions that were still 'pending'; all of which were under $30.00. There was over $300 in my account: basically food money for the next 2 weeks.

I see the fees, and say WTF?! Smack dab in the middle of the page was a solid chunk of 8 O.D. fees, each for $35.00! $210.00 in overdraft fees that should never have been charged. So, I called the bank, and they said that there was nothing they could do. I eventually got them to reverse 2 of the charges, but they 'could not reverse any more because it was beyond their power'. What a load of CRAP!!!

I was charged an overdraft fee because when I swiped my bank card as credit it created my account overdrawn. Why didn't BANK of america decline my transaction so I would have been aware that I didn't have enough money? No, they want your money. However credit transaction takes 2-3 days to process and by the time it processed there was enough money once it was debited from my account so it my account never went OVERDRAW...BUT THEY STILL ...charged me an $35 OVERDRAFT FEE...how is that LEGAL? I am submitting a complaint to Controller of the Currency. Anyone that has complaints PLEASE SUBMIT THEM TO OCC...

Several Complaints here.. I have just had it with this bank. They treat their customers like second-rate citzens even after we bailed them out with OUR tax dollars.

First, I had to fly out to Las Vegas because my Uncle became ill. While I was there he found out that he had terminal cancer and had a short time to live. He asked me to take care of some things because all of his family is from Michigan. He had a notary come to the hospital and filled out a General Power of Attorney and a Medical Power of attorney so that I could access his accounts and safety deposit box. I arrived at the bank and the manager denied me stating IT HAD TO BE ON THEIR FORM. I called the notary and she said that it was a legal document and they had to honor it. She even payed a visit to the bank manager and they still refused. We got the bank form but by that time; my uncle passed. I will now have to go back to Nevada several times over a VERY small estate that will cost more to settle than what he had. In the mean time; THEY FROZE MY BANK ACCOUNT!!! and put a FRAUD ALLERT ON IT!!! They had no compassion or care! It took over an hour to get it straightened out.

I arrived back in Michigan and needed a few bank statements to reconciile my Dad's account. I waited 30 minutes at their Telegraph location and finally spoke to someone who told me we would be charged. I was NEVER charged when it was Laselle. All of the kind tellers we had when it was Laselle were now gone. I was upset and left. I went to their Michigan Ave location and waited 40 minutes. Today, I went in to find out why I have not received my current statement and was told "Check with your local post office". I walked out and decided to file a complaint via email. I was now emailed back twice stating that all complaints must be sent via the US POST OFFICE only... so I stopped here... I hope they do not have any other policies or procedures when I go to withdraw all of our accounts. I feel more than an appology is necessary at this point.

Hard times have hit many people. More than we want to realize. When in trouble where do we go but to our bank. Our business has taken a huge hit, things have slowed. We have never been late on a car payment. This month I know the bills will be late. I called BofA to apply for an extension on the car note and was told that in order to apply you must be 30 days current. That means there cannot be more than 30 days passed since your last payment. I made our payment on the 4th of the month before and called them on the 7th of this month, 3 days past the 30 day mark. Sorry, was the answer I got. 'Make a payment and then you can apply'. Excuse me? If I could make the payment I wouldn't be calling for an extension, right? When I asked them where I could drop the vehicle off so they can have it back they changed their tune some, but it didn't change a thing. Am I wrong?

BofA have changed their policies since we opened our account. We have been banking with them for at least 10 years. I have also been hit by NSF funds because when a cash deposit is made they don't credit it right away. When I complained about that I was told it's their policy but spoke to a customer service rep one day who was extremely nice and looked up state laws for me. BofA will do their own thing and disregard each states individual banking laws, and in Mass, I believe a cash deposit is supposed to be made available immediately. The tellers, bank managers, atm receipts, phone banking all make those cash deposits 'available', not pending, all but the BIG system, who backtracks and holds the deposits. Find out the laws in your state and go from there.

BofA is soon going to be a bank of my past. Local credit unions are where its at.