THIS IS TERRIBLE SOMEONE NEED TO STOP THIS PEOPLE, THEY CHARGE ME FROM MY DEBT BANK CARD $39.97 PLUS $1.00 EXTRA AND THEY GAVE ME A OVERDRAW CAUSE THIS WEBSITE..WHY THIS PEOPLE IS DOING THIS WITHOUT PERMISSION THATS INLEGALL AND IM GONNA MAKE A POLICE REPORT...CAUSE THIS IS REALLY FRAUD TO MY PERSON AND THEY STOLING MONEY OF MY BANK CARD THATS INLEGALL..

Even if you are diligent about keeping track of your money it is IMPOSSIBLE to keep track of it through Bank of America. Every month my husband and I keep all of our receipts, update our checkbook daily and compare our monthly statements to each bill and our checkbook, and we still wind up paying almost over $100 in fees to this place. It is impossible to know when they are going to put a 'pending' transaction through. I could go to four different stores on Thursday afternoon and then write a check at the grocery store on Saturday. They will hold the Thursday transactions until that check goes through on Monday or Tuesday and then charge me fees! They do it all of the time. For one month I printed out a copy of my daily account details through the BofA website and every single day shows a different amount available, even if I went three days without spending any money at all! Bank of America rips people off! I will never recommend them to anyone, not even my worst enemy!

That's right, another complaint concerning overdraft fees with Bank of America (BOA). Before you naysayers rise up against me, let me first tell you that I did not monitor my account or my spending as closely as I should have. Now with that being said, let me say this.

My checking account was -$136 (negative). After discovering this, I immediately transferred $300 from savings to my checking. Later on that night after 1 am, I discovered that my account was -$145 (negative). I asked myself how could this be.. I rectified this situation about 10 hrs earlier.

The next morning I contacted BOA and asked an explanation of how this could have happened. I was told that the system recognized that i overdrew my account an accessed my account the overdraft fee of $35 five times. Ouch!

Let me explain to you what I believed happened: The computer software charged me again for 5 items which caused my account to be overdrawn again even after I moved the $300 over from savings to checking.

The BOA contact explained to me that those additional charges were from today and that the previous charges were from the day before. Here is where it gets CrAZy. Before we got off the phone, she stated that 'once you get an overdraft fee it unfortunately begins to snowball'.

She was not lying at all. When I got off the phone with her about 12:30pm I had a balance of -$145. As you read this my account balance is -$320. I haven't made any additional transactions since this fiasco started.

Naysayers, I know what your thinking... You are probably going to say 'You should have been responsible in managing your checking account.' Your right but THATS NOT THE ISSUE. The issue here is that the software kept charging me additional overdraft fees AFTER I bought the account current with NO additional transactions pending.

In Conclusion... let me say this. You have your own opinion of what happened here and that's cool, its the American way. This isn't the first time I have complained to BOA about this problem. There is a glitch in the software and no one is publicly acknowledging the problem. You and I both know that the stock would plummet through the earth if the public knew.

It doesn't matter what you think, its my account, my mistake. I can tell you this NAYSAYERS just don't let this happen to you. Its easy to throw rocks when you don't live in a glass house, isn't it?

If you have a similar story please JOIN complaintsboard and tell us what has happened to you. Thats what I did. If you know a good lawyer have them contact this site and legally get our names so we can file a CLASS ACTION LAWSUIT against Bank of America.

America, WAKE UP !! The large corporations are draining the life out of the honest people who pay taxes. Stop Complaining and talk amongst yourselves and Complain and Protest. You dont have to march in the streets or have a sit in. You have the INTERNET and other people and friends who have been unfairly taken advantaged of. You are POWERFUL thats why this website exists!!

I had a check to cash from Best Buy for $300. I went to Bank of America (where Best Buy do thier banking) to cash the check. I do not have a checking account with Bank of America.

They wanted to charge me $6 to cash a check drawn from thier bank!

How dumb is that.

With all the banks asking for a bail out, you think Bank of America would be helping people. Now they create a dumb policy to stick it to the customer one more time.

Close your Bank of America account today before you have to write a friend a check. They will name them too!

This is what Bank of America did to me. We bought our home in December 2006. It is an older home and needed a lot of repair. They had an appraisal done and appraised the home at $105, 100.00. The was bought for $52, 000.00. Well we purchased our own home owners insurance and the insurance and the yearly taxes were escrowed into the payment of the home.

Our payments were $496.00. The next thing we know they sent a payment book in February 2008 with the payment amount of $2, 110.00 a month. We thought it ws a typo until we went to pay the payment. Well the had no explanation to why at the time. Well we checked into it further that they had not paid our insurance or taxes. They lapsed our insurance and force placed their insurance of $13, 000.00. That put our escrow out of whack by -$20, 000.00. Well we couldn't afford that. We tried to get more insurance and because we don't have a central heat and air unit and new siding on the house we can't get insurance. The home was built in 1920 and needs updates. The Florida commission said until we get these updates and due to the fact the back let our insurance lapse we won't be able to get new insurance. Well the home is in foreclosure. We have been to court twice now and the judge agreed there is a discrepancy on there part. The court both times we have went come out in our favor. The next day after court Bank of America hired SAFE-Loc to enter our home and change all of the locks on the doors. A week later they hired some other guy to cut the grass. They gave him the new keys to the home. First of all if he is cutting the grass why does he need to enter the home? Anyway he entered the home and started removing the contents that was still in the home. Well remember the judge has not awarded them the home. We went to the local sheriff's office and tried to get a No- Tresspass warrant to no avail. We have no lawyer cause we can't afford one and have been fighting this ourselves. We go back to court on November 5, 2008. I just hope that they fix our credit cause they have really messed it up. I hope they reward us either the home or they money we have paid into the home including the money used for remodeling. Something has to give.