Bank of America
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Category: Business & Finances
Contact Information
Florida, United States
Phone number: 8006690102
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Bank of America Reviews
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September 12, 2008
overdraft charge
I checked my account and had no pending charges so I made a electronic deposit received receipt showed balance next day got overdraft charge with a balance over 400.
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September 12, 2008
B.O.A. closed my credit card account
I have had a credit card with Bank of America/MBNA since 1997. And, I have used my credit card account for balance transfers since 1997. Just recently, I was told about a companion card to go along with my current B.O.A. card. I was told by a representative that I could transfer some of my credit available on my current B.O.A. to this new account once I received the new card in the mail in order to take advantage of a 0% balance transfer for 15 months.
I called a few days ago on Monday to see if I was going to get that companion card in the mail and I was told that I had been rejected for the new card. I asked why, and I was told that upon closer review of my currently revolving credit lines and balances with other cards that I was rejected for the new card and that my existing credit available($10, 177.00) would be taken away from my current account and it would be closed even though I currently have a balance of $5, 822.00 at a 1.99% rate until March 2009. And, also, I have never been late or missed a payment the whole time I have had this card since 1997. So, my credit card account has never been a delinquent account. I have very good history with them and they acknowledged that, but they said that was the right decision.
I have made balance transfers with them about every year since 1997 and they have never had a problem with this before. They just processed my most recent balance transfer in July 2008($6, 000.00) at the 1.99% rate until March 2009, and the balance is now down to $5, 822.00 like I said earlier. So, I have shown that I can make my payments every month and I have not missed any payments on my other credit cards and they admitted that I do have a good credit score. So, I asked them why do they have to close my account even though I have a balance, have not missed any payments etc., and they told me that all it takes is for me to miss one payment on one of my credit cards and then all of my credit card interest rates and payments will go up and that means that I will probably eventually not be able to pay them. Well, I have never demonstrated that I would or could miss or make a payment late! I have been with them since 1997! I don't understand this! I have excellent credit and they acknowledged that! This is not fair! They even closed my husband's Bank of America card account too, all in one phone call!
Now, because they have closed mine and my husband's credit card accounts, our credit will be ruined because credit reports will show that they closed our 2 credit card accounts and I still have a balance on one of them! The fact that they(Bank of America) closed our credit card accounts is going to now lower our credit score and cause our other credit card companies to possibly raise our interest rates and our payments and will also, most definitely cause them(other credit card companies) to stop offering us any low rate balance transfer offers! So, in effect, Bank of America is going to cause the very scenario that they were trying to avoid in the first place! By closing my accounts and ruining my credit in the process, they may cause my other credit card interest rates to go up, therefore increasing my minimum payments, and also causing them(other credit card companies) not to offer any low interest balance transfers which will in turn, cause me not to be able to pay off my current balance with them(Bank of America)! I have tried to get them to reverse their decision about closing my credit card account, but they said that they can't and I have spoke with supervisor after supervisor to no avail. They are ruining my credit by closing my accounts!
What can I do? Do they have the right to do this? Do I have any recourse? What can I do about this? Can someone help me?
Thank You So Much,
Shauna
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September 12, 2008
Holding funds
here is the content of a letter I sent to customer service at B of A concerning a "hold" they have on check I deposited a week ago. This is a scam being run by B of A. What they do is withhold deposits for the full legal time they can withhold them to get the advantage of your money for a period of time. Meanwhile, you can't pay the bills. The spirit of the law is to protect from phony deposits from disreputable sources. I can only say that the source of this deposit is in better shape than BofA-and BofA knows it.
I would ask you to immediately release the rest of the funds from a deposit I made a week ago. The check was from a a major insurance company, as reputable a source as any. (if the source was suspect I would possibly understand). The only possible justification for holding back the money-which is causing us huge problems-is that Bank of America is stealing-holding the money hostage so they can use it for the full legal time they are allowed to do so. If done on a massive scale this could benefit the company, at the expense of the deposit holders.This is disgraceful behavior. I know you have stated you will release it Monday. Release it today.
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September 10, 2008
fraud and erroneous overdraft fees
Charging overdraft fees when they have already subtracted the money from your account for thepayment of the bill and many other problems that I have copies of from on-line banking where they are stealing my money. Very rude and nasty people when you call for an explanation.
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September 9, 2008
Over Draft Charges
Yesterday we were notified online that we were in an overdraft status. We immedately add enough cash to cancel charges. Last night a direct deposit was added, giving us an even greated balance. Everything was fine this morning and a couple more items were added with no problems.
After 2 pm we were notifies that we were again iin over draft status. The strange part is items appearing yesterday as pending and having already beed deducted from our account. suddenly reappears today as beiing deducted from our accound again. We tried to point this out to the bank rep. that they have deducted the same charges times 2. all she can tell me is that there's nothing she can do and that the charges will stay in place. So now not only am I complaining here but we are also changing banks. We've been with Bank of America for 20 years and often have found and reported these same practices before. It is my belief that over those 20 years they have probably erroneously taken several thousands of dollars from us.
I'm a retired nurse trying to live on SS and this bank wants to eat me alive. I may be small time to them but their not the only bank in town.
A few years ago they had to pay a large fine but it was small potatoes to us. And now it appears that their doing the same thing again. An ybody want to start a classaction suit, lol.
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September 9, 2008
Bait and switch fraud
This mega bank is playing bait and switch with CD rates.
We asked to move a CD to the interest rate that was advertised on their web-site, when the CD matured and I was assured by their Customer Service dept. over the phone, that would be done, twice!
But, after it was too late to move the CD, as it had passed it's 10 day 'grace' period, up comes a response on their obscure customer service page that "Sorry, that can't be done".
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September 9, 2008
Bad customer service
It was not a first time within 2008 year I went to same office to get services. Each time waiting time for financial service person stretches longer and longer, even you call them ahead. They never consider your work leave as their responsibility. They never suggest for how long your waiting time would be. Today my waiting time was 1, 5 hrs. Before I got to a bank clerk just to switch my CD to next period. I had it enough, will never return back.
Also, they have other problems in their system which lowers customer interests and profits Bank. To fix them, you physically have to go to the office and here it is again...waiting, waiting, for their system mistakes.
Do not recommend working people to have business with Bank of America!
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September 5, 2008
Unauthorized charges
In 2004 I was diagnosed with 2 separate but related fatal diseases. Fortunately I did not die and after 45 days in the hospital, spent the next 4 months recovering. During this period I received a demand letter from BofA demanding payment for a credit card account from 1999. I did not recall having a account with them, but since I was bed bound on oxygen at the time I told my wife to go ahead and pay them. Soon after that I became aware of a Identity theft problem amounting to about $20, 000 from 1999 to 2000. I made a police report and included the BofA account. About a year later I received a letter from BofA acknowledging that indeed it was not my account and they would send in a letter that would clear it off my credit record. I sent an email to the BofA fraud dept. requesting that they return the money I sent them in error. They emailed me back saying that they would not return my money and that if I continued to pursue getting it back that they would send it back to the credit reporting agencies as my account. How lovely, they would knowingly send in false information to ruin my credit if I didn't allow them to steal my money. Now there is honesty and integrity for you. I filed a complaint with the federal regulators but never received any reply. Honestly since the amount is so small I will never have any chance of recovering anything unless the bank has a sudden attack of morality.
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September 2, 2008
Theft
This is the last letter I sent to Bank of America. As of Sep. 2, 2008, this is still not resolved.
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Nicole Cone
P.O. Box 4012
Irmo, SC 29063
(803) 218-8310
Bank of America Corporate Affairs
100 North Tryon Street
Mail Code NC1-007-18-01
Charlotte, NC 28202-4000
Re: Checking Account Number 223001139249
Thursday, July 24, 2008
To Whom It May Concern:
Your branch at 4300 St. Andrews Road in Columbia, SC has ignored my letters from December 10, February 12, February 21, February 25, February 27, March 5, March 31, April 13, April 21, April 24, April 28, May 2, May 11, May 26, and June 12.
I am writing to file complaints concerning this branch, Matthew Taft, and Arin Faison. I have been treated poorly as a customer. I have been lied to, called a liar, and have felt threatened. All I have ever requested was to have my account fixed.
I have also already called your corporate office two times this week at (704) 386-5687, and I have not received a call back.
I have already lost my car due to your negligence. I am now in the eviction process. I need my money in order to buy a car to get around, and to pay my landlord so I will not be evicted.
REFUND REQUESTED
$ 53.50 Charge Reported
$ 30.00 Charge to me for check 537 you returned
$ 0.20 Late fee for check 539 I was charged
$ 30.00 Charge to me for check 539 you returned
$ 105.00 Three $35.00 fees charged on 2/5/2008
$ 70.00 Two $35.00 fees charged on 2/6/2008
$ 30.00 Charge to me for check 540 you returned
$ 70.00 Two $35.00 fees charged on 2/11/2008
$ 35.00 One $35.00 fee charged on 2/12/2008
$ 35.00 One $35.00 fee charged on 2/14/2008
$ 30.00 Stop payment fee on check 542 that you did not stop payment on
$ 105.00 Three $35.00 fees charged on 2/21/2008
$ 36.95 Check 533 Returned Incorrectly
$ 30.00 Charge to me for check 533 you returned
$ 35.00 One $35.00 fee charges on 2/25/2008
$ 30.00 Charge to me for check 541 you returned
$ 30.00 Charge to me for check 543 you returned
$ 105.00 Three $35.00 fees charged on 2/26/2008
$ 70.00 Two $35.00 fees charged on 2/27/2008
$ 35.00 One $35.00 fees charged on 2/29/2008
($1, 048.50) Partial correction to my account (3/5/08)
$ 35.00 One $35.00 fees charged on 3/5/2008
$ 4.00 Refund for fees incurred when local BOA ATM did not have money to disburse
$ 70.00 Two $35.00 fees charged on 3/14/2008
$ 35.00 One $35.00 fee charged on 3/20/2008
$ 35.00 One $35.00 fee charged on 3/21/2008
$ 35.00 One $35.00 fee charged on 3/24/2008
$ 175.00 Five $35.00 fees charged on 3/25/2008
$ 175.00 Five $35.00 fees charged on 3/26/2008
$ 105.00 Five $35.00 fees charged on 3/27/2008
$ 175.00 Five $35.00 fees charged on 3/28/2008
$ 35.00 One $35.00 fee charged on 4/7/2008
$ 10.00 Fee charged on 4/9/2008
$ 35.00 One $35.00 fee charged on 4/14/2008
$ 35.00 One $35.00 fee charged on 4/15/2008
$ 175.00 Five $35.00 fees charged on 4/16/2008
$ 175.00 Five $35.00 fees charged on 4/17/2008
$ 70.00 Two $35.00 fees charged on 4/22/2008
$ 175.00 Five $35.00 fees charged on 4/23/2008
$ 175.00 Nine $35.00 fees charged on 4/24/2008
$ 175.00 Nine $35.00 fees charged on 4/25/2008
$ 175.00 Five $35.00 fees charged on 4/28/2008
$ 70.00 Two $35.00 fees charged on 4/29/2008
$ 175.00 Five $35.00 fees charged on 4/30/2008
$ 70.00 Two $35.00 fees charged on 5/1/2008
$ 10.00 Overdraft protection fee on 5/1/2008
($1, 200.00) Partial correction to my account on 5/2/2008
$ 175.00 Five $35.00 fees charged on 5/6/2008
$ 35.00 One $35.00 fee charged on 5/7/2008
$ 105.00 Three $35.00 fees charged on 5/12/2008
$ 175.00 Five $35.00 fees charged on 5/13/2008
$ 175.00 Five $35.00 fees charged on 5/16/2008
$ 175.00 Five $35.00 fees charged on 5/20/2008
$ 35.00 One $35.00 fee charged on 5/22/2008
$ 175.00 Five $35.00 fees charged on 5/23/2008
$ 70.00 Two $35.00 fees charged on 5/27/2008
$ 105.00 Three $35.00 fees charged on 5/28/2008
$ 175.00 Five $35.00 fees charged on 6/3/2008
$ 70.00 Two $35.00 fees charged on 6/4/2008
$ 35.00 One $35.00 fee charged on 6/9/2008
$ 70.00 Two $35.00 fees charged on 6/11/2008
$1, 500.00 Bill pay check 5014 applied 6/11/2008 -- I called my local branch to cancel this on 6/9/2008
$ 35.00 One $35.00 fee charged on 6/13/2008
$ 35.00 One $35.00 fee charged on 6/16/2008
$ 30.95 NSF Charge on 6/16/2008
$ 175.00 Five $35.00 fees charged on 6/17/2008
$ 70.00 Two $35.00 fees charged on 6/18/2008
$ 35.00 One $35.00 fee charged on 6/24/2008
$ 35.00 One $35.00 fee charged on 6/26/2008
$ 35.00 One $35.00 fee charged on 6/27/2008
$ 35.00 One $35.00 fee charged on 7/1/2008
$ 70.00 Two $35.00 fees charged on 7/7/2008
$ 70.00 Two $35.00 fees charged on 7/8/2008
$ 29.95 NSF Charge on 7/9/2008
$ 35.00 One $35.00 fee charged on 7/10/2008
$4, 887.05 TOTAL REFUND REQUESTED
Sincerely,
Nicole A. Cone
CC:
Bank of America
Attention: Bank Manager
4300 St. Andrews Road
Columbia, SC 29210-4167
Better Business Bureau
2330 Devine Street
Columbia, SC 29205-2404
South Carolina Department of Consumer Affairs
P.O. Box 5757 (3600 Forest Drive, Suite 300)
Columbia, SC 29250-5757
Attention: Supervisor of Jacqueline F. Brabham
Re: 08-00980A6
Office of the Comptroller of the Currency (OCC)
Customer Assistance Group
1301 McKinney Street, Suite 3450
Houston, TX 77010
Re: OCC 764096
Bank of America
Office of the Chairman
P.O. Box 25118
Tampa, FL 33622
FL1-008-01-18
Attention: Matt Taft & Arin Faison
Office of Thrift Supervision
Southeast Region, Consumer Affairs
P.O. Box 105217
Atlanta, GA 30348-5217
South Carolina Attorney General
1000 Assembly Street
Columbia, SC 29201-3117
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September 1, 2008
The nightmare called customer support
Bank of America has absolutely no shame. Seems they have removed all power from your friendly branch office and given it to the most incompetent group of immature idiots I have ever run across. Some of their little tricks are to freeze your account under the guise that you have suspicious transactions. They will automatically freeze your account if you have over ten transactions in one day. Imagine beith out for dinner with your boss. You offer to pick up the tab, but you can't. One of the idiots has decided to freeze your account. So you call in to their crack customer support area where you will be abused, laughed at because you are stuck at a restaurant with a frozen credit card or even better, left on hold for over 1/2 hour.
What a prize this Bank is to America.
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