I would like to warn anyone who is considering banking with Bank of America. I have not been able to resolve my issues with them. I have been a customer for many years, but they do not value that fact. I have been treated very rudely. It is apparent that they all have a script to follow when explaining their reasons for exorbatent fees and unreasonable charges. I am in the process of closing my accounts, when I explain what happened to my new bankers, they are shocked with how I have been treated. Each one of us has to stand up for what is right, or those that do wrong will continue on with their unethical practices.

This is similar to what I have had happen. Last week, I had had my direct deposit posted and went to pay a few bills. when I checked online, everything was posted and "Cleared" according to what I seen online. which my balance was $94.87 I made a $80.oo payment then a $7.84 and a $4.27 charge which would have made my balance at that point $2.76. well I went and figured "all is fine, everything was taken care of" little did I know that as of this time this morning, I incurred $105.00 in NSF fees that was completly unwarrented. I called them and they told me the charges were posted before the deposit and the fees will not be refunded. I feel taken advantage of by Bank of America and will never deal with them again. All I see is a bank that takes advantage of people who does not make alot of money finds ways to make a buck of the consumer and this problem needs to be addressed. our hard earned money is our money which we need to survive..pay bills, get our medications, feed our children. How would they feel if those very same people that does this practice have this happen to them?

This email is being sent out, I know it is a scam

1, I don't have a Bank of America account
2, They do not email you this kind of information


fromBank Of America online <[email protected]>
[email protected]

to
dateTue, Oct 14, 2008 at 7:09 AM


subjectYour account has been violated

Dear Bank of America Customer,


During our regularly scheduled account maintenance and verification procedures,
we have detected a slight error in your account information.
To securely confirm your personal information please click on the link bellow:

http://www.bankofamerica.com/sas/sitekey/profile/step1.htm

Confirm Your Bank of America Account and SiteKey now to enjoy the benefits of
online banking and finance to avoid identity theft and fraudulent activities on
your account.

Note: We will be upgrading our yearly SSL EncryptedServer to prevent fraudulent
activity.

© 2008 Bank of America Corporation. All rights reserved.

Bank of America provides zero customer service or help of any kind to long term customers with accounts in good standing. While attempting to deposit my payroll check at a BofA ATM machine, the machine took my card and wouldn't give it back. I couldn't make my deposit either. I called the BofA toll free number. All I got was excuses and patronizing lip service. They refused, despite my specific request, to send a bank employee to my location to retrieve my debit card from the machine. That was "against their policy". A manager I asked for then told me the same thing and refused to help in any way.

People beware! If you use Bank of America, you are on your own if you encounter any problems like this. They will NOT help you in any way. They will do nothing whatsoever for you.

I have repeatedly been screwed over by BOA. Their website is great... as long as you want to track how many overdraft fees you will receive!

They have a tendency to do two things 1)They will credit your account as little as legally possible ($100 until the check clears, even though the checking rules after 9/11 made checks clear almost immediately, although they can wait 7-10 business days to have it clear). And 2)Wait for all that overdraft money to flow in. Your online statement will read something like this by date (day 1)$700 paycheck pending, (day 2)$200 on groceries pending, (day 3)$200 on bills pending, (day 4)$100 on car repairs pending, (day 5)$100 on doctor bills, and (day 6) $100 in cash. Guess what BOA does? Sorry, but your paycheck didn't clear until they could rack up all those overdraft fees, so it's $35x6=$210. And that's just quick math for it. I've had more than a few overdraft charges because they dragged their feet with my paychecks. How can they really charge a person a $35 overdraft fee over a coke and a bag of chips?

I find this type of banking quite disgusting and prefer local banks. I'd rather pay the few dollars to get money at an ATM than $35 for overdraft fees. It is absolutely ridiculous.