WE TRUSTINGLY DEPOSITED A $1, 000 CASHIER CHECK INTO A BANK OF AMERICA's ATM ON 4-24-08. BANK OF AMERICA LOST THE CHECK & WOULD NOT GIVE US THE MONEY. BECAUSE THE MONEY WAS AN AWARD FROM AN ARBITRATION, THE PAYER WOULD NOT HELP US. BRANCH MANAGER, DIANA WELLS, OPERATION SPECIALIST, MECO CLEVELAND, PREMIER BANKING MANAGER, MIKE SUTTON, & MARTHA DOMINGUEZ FROM THE EXECUTIVE OFFICE WERE ALL UNHELPFUL IN RESOLVING THE ISSUE.

Bank of America started ripping me off on my credit card approximately one year ago. I was making payments via my online banking (another bank) every 4 weeks, like clockwork. However, apparently my payments eventually got ahead of the "statement" date since the statements are generated every 28 days. Two payments posted to my account on the same month. And every month, thereafter, BOA considered me "late" until I caught this.

by the time I caught up with this (was getting Ebills and no reason to log in a look since I wasn't using the card), BOA decided I was a "credit risk" and raised my interest rate to nearly 40% apr. Yes, you read that right: forty.

Suddenly, my minimum payments were a mortgage payment. However, I continued to pay them. I even decided to use their automatic payment system "bill pay". Again, I suddenly get a statement that shows I am past due, 2 months worth. I call, and find out that they've been applying my payment to a "corporate card" in my name which I have NO access to pay. But none the less, after many many calls, they transfered the money back. But the interest stayed as well as late fees.

Soon after, my payments were up to nearly $500 per month, minimum. I could not make these payments. I called customer service, held for ungodly times to be disconnected by the dept who could help me.

I sent emails via their online banking. I pleaded for someone to help me pay this down!! I didn't want to default on this card.

Finally after several calls, being bounced around, I was transfered to the correct dept. I spent nearly 1/2 hour of my time to give all my financial stats. IT was determined by this gentleman that my payment would be $200/month. It would freeze my account (close it actually). But would lower the interest rate to make it possible to pay this off. He said it would take about a week to process. I had to give him my checking account info and agree to automatic withdrawals from my account. We agreed on the 15th of the month.

A few days later, as agreed to, BOA withdrew $200 from my account. I presumed all was well.. Whew, what a relief to get this finalized...

A week later, I received a call from the BOA collection dept telling me that I was past due. They had received my $200 (thank you very much) but I still owed $700 in fees, etc. be "caught up". I gave the agent the schpeal on the whole plan I set up, etc. He advised that it probably just hadn't made ti to their dept. No love lost afaic.

A week after that, another call. Same thing...I was told, "oh, sorry - we'll note this on the account".

Ok, so it's fixed now, right?

Today, I recieved yet another call. Now, I'm realizing that indeed there is a problem. After several calls to different depts, I was informed that there was no way to fix this problem internally. That "I" have to call the Customer Service Assistance team. But, of course, they aren't in due to the weekend and holidays, etc. This allegedly is the dept who set up my "payment plan".

I am so frustrated. I want to pay this card off. But they simply do not seem to want to let me. First it was because I paid "too soon". Now they just continually give me the runaround when I try to work something out with them.

They claim that none of the departments have access to each's systems and notes. So there is supposedly no way for a dept to check and see if I'm indeed "on a plan". Even though I am obviously on a plan since THEY are taking my money out of my checking account monthly.

My CC limit is $9900. And now thanks to their fees due to THEIR incompetence, I'm over 10k now.

This is just plain abuse of consumer credit. I'm sickened by it.

As a contrast, Discover called me when I went a bit over my limit to see if they could help. I spoke with one person, and viola, I was setup and got it paid down in a few months.

Any help would be greatly appreciated.

I sold BAC shares and the investment services took like 10 days to credit my a/c.

My boyfriend has his checks from work directly deposited into his account at midnight each pay-period. He called the morning after the usual deposit and he had 700 something dollars in his checking account (as he should) he spent 200 on something and later was charged 400 something in overdraft fees, the bank says the 200 he spent was an overdraft... even though the money WAS IN THE ACCOUNT and was checked before he spent it. Makes no sense to me.

In January 2008 my mortgage increased $347 due to a shortfall in escrow. With the slow down in the economy it became difficult to cover this increase and I fell behind. Bank of America will not accept partial payments which I sent and thought showed good intent to pay on the account. The balance was paid at a local branch of Bank of America and I did not receive credit for that amount for two months.

Then in May 2008 I arrived at an agreement with a representative in the customer service department to spread the increase over two years instead of one year. This gentleman, Bill, indicated the new rate would roll back to January 2008. I received a new payment book for the agreed amount and made my next two payments using the payment coupons. At the time this agreement was made I requested a letter of confirmation but all I received was the new payment booklet that indicated the change of the monthly amount.

Then I received a letter they wanted more money over and above the amount on the payment coupon. I wrote them twice detailing what I have paid and what was due based on the agreement made in May. (I request such a break down from them but never received it.) After reading another posting on this site it appears that one person does not know what another person has done at Bank of America. My figures show I owe $60.62 plus the current month at the new rate.

I cannot understand why it is so difficult to deal with this bank. Do they really want to put homes in foreclosure when peoples with loans with them are making an effort to pay a reasonable monthly rate? One never speaks to the same person twice so this leads to further confusion.

My original mortgage was through a different bank and the loan was taken over by Bank of America. Bank of America was not my choice as a mortgage company and I would not recommend them to anyone for any kind of transactions after seeing how customers are treated.