Bank Of America
Reviews and Complaints

Educate your consumer. Just don't further victimize them.

Where did you get the scam check from? Always remember if it sounds to good to be true, it probably is.

Never deposit anything into your account without being possitive it legit, checks are legal documents and banks are federally funded, what did you think would happen? :eek

For customer service guy

I am glad you are frustrated, hope you are going to be even more.I would be sad to work for a company the scam peoples.......

Customer service guy - YOU DESERVED TO BE SLAPPED, SHUT THE UCFK UP, YOU ARE AN INBRED ***, WHO LIKES TO SERVICE BOFA ON YOUR KNEES! JUST SHUT THE *** NOBODY LIKES YOU, YOU DESERVE EVERYTHING YOU GET AND MORE YOU f_CkeR, JUST SHUT UP AND QUIT DEFENDING BOFA, THEY ARE GOING TO TEAR YOUR ANUS TOO YOU ***! SO *** AND TAKE YOUR BANK AND SHOVE IT UP YOUR BOFA STRETCHED BOOTYHOLE!

Bank of America tore my anus, they tore it real good, sure, it felt good while it was happening, but when BOFA was done, I was bleeding and sore and it really hurt to ***.. Bank of America then proceeded to take $600 out of my account and slap my face with their oversized private part.

Then they made me lick it clean..

I cried.. I'm still traumatized to this day!

I used to have an account with BofA and then with Citibank. Didn't like any of them so i joined a credit union (arrowhead cu).

they're truly the best. You cannot go in overdraft with them. If you have $50 in your checking and you want to buy something for $51, your card will be declined. Love that!

I've been with them for the past 5 years and never had a problem.

Plus, all transactions are instant, you don't have to wait 2-3 days to clear. If you buy something at a store you can go online within 5-10 mins and it shows the transactions!!!!Best bank so far for me!

Bank of america does NOT process like all the other banks. This was an insta change to all of their customers accounts and the customers they had understood their overdraft plan, but all of a sudden, it changed overnight.

This was a scam from BofA against it's customers. There was a wide known fact that banks have 'Check Cards'.

Checks don't post for days, this is no longer called a check card, it should be called an insta debit. It does not even sound remotely sensible to charge someone that amount of money for an item that HASN'T EVEN HIT THEIR BANK ACCOUNT.

I've noticed the same thing. I used to be able to make purchases thru credit on my check card a day or so before my direct deposit went in and since it took 2 days for the items to get processed I was in the clear.

Now they go by the date you made the transaction. The funny thing is, my account was never actually in the red because they still counted my deposit before the purchase so how was my account overdraft if it never dropped below $0.00??? I have also noticed for a long time that if you use their site to figure out your balance they are trying to trip you up. Items being processed from pending to posted will disappear for a whole day and the amount will be as if you had never made a purchase.

My register was $48 one day and the amount shown on the BofA site was also $48. Next day bank says I have $190 or there about. This is because the transactions that made up the difference was being processed as not shown. I have just renewed my habit of making sure I go strictly by my own register and ignore what the bank site says.

Also I have such little trust that I also will no longer enter a pending deposit into my register until after it has finished completely posting. People need to realize that banks are the enemy.

They will do anything and everything they can within the bounds of the law (hopefully only that far) to take your money and anything else of value you have. If they can get you in debt the rest of your life, well I am sure this would please them as well.

Banks. Well they are there to generate money you know.

They want to get as much of your money as they can. The bank manager is also rated on the number of nsf charges so as you might imagine this might make it hard for them to resist. The only way to have a good experience with any bank is to make sure to use as few of there services as possible and to make sure you have your own overdraft in place. That is always having at least a paycheck worth of money sitting to save you from there ***.

Bank cd's, insurance, or even mutual fund investments are also all highway robbery. Watch out it is going to get worse and as usual you will find out after the big charges are put onto your account. The banks have no problem telling you that they will charge you and yes it is fair because you signed there agreement. The fact is society has been pushed to use banks and there services or you are punished with many inconveniences.

Unless you are on the track to run your life on a cash cycle vs the debt cycle they push you into you will always be one paycheck from them ripping you off. So if you must use a bank and have the convenience make sure you have at least a paycheck worth of income sitting in your bank.

I can tell you that every bank processes transactions in a very similar fashion. So even if you do close out your account and go to another bank, you will still run into the same problem.

Read over your bank services agreement carefully to see EXACTLY how your transactions are precessed.

I would also recommend getting some sort of overdraft protection on your account. Attach a savings account or line of credit to your checking account so you dont have to worry about tiny overages as much.

This "Bank Natzi" obviously works for them,

I'm experiencing the same *** as I type this response!!

"1. Written by Customer service guy, on 26-04-2008 12:06

sounds like you abviously don't know how to budget your money. BofA new processing system for debit card transactions are the same as any other bank these days. No longer are you able to play your account short and close by expecting to make a deposit ontop of a negative balace that is pending. This type of change is what customers REQUESTED for a number of years for BofA to do, and enough voices were heard in HQ to change it BACK to this type of processing. Bottom line, keep some form of register of your transactions, write your stuff down, if you know you don't have enough money, don't attempt to make the purchase or you'll suffer the snowball effect of overdraft fees. Thats my only advice to EVERYONE that reads this post. To be honest with you, i'm tired of taking VERBAL ABUSE everyday, and so does all my fellow associates. We become frustrated because people fail to listen to anything. And people wonder why BofA have such "horrible" customer serivce."

I agree we SHOULD be responsible for checking our own balances. but as she said checking them online and via the automated system to VERIFY is NOT reliable either.

WHY offer something that isn't reliable???

what does it is a "tool" mean??? if you are going to offer a service it should be CORRECT

The ISSUE is NOT that I can't keep track of my own bank account. The transfer was put in on March 2, it does NOT take almost 7 days for a transfer to go through.

I did however contact PayPal customer service and they stated that BoA accepted the transfer on March 4 but BoA did NOT show that the money was there until March 7, a 3 day difference with no explanation why. If the account goes into overdraft and I know about it then I say nothing. This time it was NOT my fault.

As far as treating others as I would like to be treated, I DO.

This customer service rep was rude, yelling at me, and talking to me as though I was *** when I WAS BEING CALM AND POLITE. Maybe you all that are defending BoA are satisfied with them and haven't ran into the same problems, give it time, you will.

I recently had a problem with BoA in that they charge to my account largest to the smallest checks resulting in 5 over drafts @ $35.00 = $175.00 if they reversed charging smallest to the largest it would have been only 1 . The reason that BofA will do is they want to make sure that your mortgage or loan or some other payment is covered its suppose to save your credit not so because other places that receive your check back will charge their fee & it will turn it over to collection and it will go against you as well so who are they kidding? This a profit game for them.

What's shady is how they change the rules. For so long they would apply credits and then debits.

Now it seems they have decided to apply debits first and credits last. So this way they can maximize their chances of hitting people with overdraft fees. That's just unethicial as far as I'm concerned. People work hard for their money.

To have to pay $35 a pop of their hard earned money so the bank can maximize their profits is shady. Karma is *** and it'll be back around in a bad way for the money grubbers at bofa.

I bank with BOFA, and constantly make phone calls to the bank's automated service AND have online banking, which are completely unreliable. My husband and I just recently where charged with $350.00 worth of overdraft fees!

All because of the innacuracy of these services. I will definetly start keeping my own record of our purchases, which is probably what I should have done in the first place, but why do they offer services that are only meant to confuse you and ultimately *** over?

I asked the very rude rep. Whats the point of having online banking if I cant trust it?! "Its just a tool" she said.

A usless tool! I HATE BOFA!! ALOT of people I know particularly have had major issues with them.

There is no beating them EVER! Its always YOUR fault, and its impossible to ever get any overdraft fees, (YOUR MONEY) back.

i had a problem with them taking forever to take money out too and i contacted them and they did refund my overdraft fees. but i was reading online somewhere and they are the worst in customer service. like number one in being *** bags

I just wanted express my personal opinion to everyone on this particular bank. I feel that it's one of the worst banks you could possibly do business with. I've been a customer with them for 5 years, and they recently charged me over $700 in overdraft fees in one day. Apparently I had "pending" transactions that went though which over-drafted my account. On the day this happened, I was using my debit card all day in the subway ($2 a pop) with no knowledge I was over-drafted, and they were letting the transactions go through. They charged ($35) every time I used the card, which at the end of the day, for about 40$ in transactions, they charged me over $700 in overdraft fees. Now, mind you, I had plenty of money in my savings account and credit card to cover the overdrafts, but they made no effort to cover me, or alert me that I was over-drafting. When I called to ask about at least getting some of it refunded, they treated me like *** and said there was nothing they could do. Now, $700 isn't a crazy amount of money, but the fact of the matter is, they're scam artists. What other company do you know of that is allowed to charge roughly 170.5% interest on borrowing money ($700 they charged % $40 I borrowed.) There are laws against this kind of thing, but apparently there is no law governing how much a bank can charge in overdraft fees. This is like someone coming up behind you and jacking your wallet, except since you have your money in their hands already, it makes it that much easier. I feel as though there should be more laws written on banking practices. I take the blame for not balancing my checkbook as well as I should have, but I'm outraged at the penalties banks charge people for this, it's a legal form of robbery.

It seems all I can do now is spread the word, do yourself a favor, DO NOT BANK WITH THIS COMPANY! PEACE!

TJ

The ISSUE is that you are yet another person who can't keep track of their own funds. So you took PayPal's word for it that the money was in your acct.

Can they look into your bank acct? No. Neither can you apparently, because it would have taken 10 seconds to check your balance and see that funds weren't available.

BOA doesn't control PayPal, they just put money in your acct as it comes in. Stop blaming everyone but yourself, suck it up, and learn from it.

The issue is that it should only take 3-4 business days for the transfer to complete. They are intentionally slow with deposits and quick on debits which causes people to overdraft.

I find myself coming to your blog more and more often to the point where my visits are almost daily now!

Very informative post. Thanks for taking the time to share your view with us.

All I can say is I may ruin my credit, But I'm going to get some of my money back these thieving sobs' at boa have charged me in FAKE od charges due to their creative accounting...when you are down to $2 or so go fill your gas tank up on credit and maybe your buddies too leaving boa on the hook for the bill....

I dont know how or why this banks always screws me over. Alot of ppl are right when they say that they scramble a lot of the transaction around thinking you have money and then "poof" its gone and ur stuck with overdraft fees up the ying yang.

I just got 4 fees and this really *** me off because I just basically used up one of my hard days of working paying them instead of me. I notice that when you deposite money in your account it takes awhile to post, but when stuff gets deducted they are on it like vultures on road kill.

God I hate this bank so much, i wish I had printed out a statement showing what my account looked like before they deducted and charged me overdrafts. I have no clue on how their system operates in terms of deduction and adding.

Sheats always gets scrambled. Dont bank with them........

they are stealing from customers by rearranging pending transactions and charging you more overdraft fees

just got charged 105 for spending 20.38 of my money

Well, I have been the person sobbing on the phone with a BofA customer service rep, because of 5 overdraft fees. It is hard to accept the fact that you are on the hook for $175 in fees that you did not budget for.

I just decided to always try to keep a cushion of $100 in the bank at all times (not always possible) Because as they say "It is your responsibility to balance your account accurately". A problem I have with them is: I use the Billpay service for almost all of my bills. I have for years planned the "deliver by" date to be on my payday so that I could cover bigger payments. They used to deduct these payments at midnight of that day (Friday night/Saturday morning), but recently they started deducting the payments in the morning.

This really screwed me up, not able to put gas in my car, or buy groceries because my account was negative until my check cleared at midnight. Why can't their time lines be consistent?

Just got off the phone with BofA regarding overdraft fees. I don't understand how they can continue to get away with typical scamming practices.

For example, re-crediting money to your account in hopes that you don't balance your checkbook accurately. The worst experience just happened to me yesterday. I deposited CASH in to the ATM at 8:15 p.m. on 6-1-10 and the receipt showed the full amount available for withdrawal.

I then drove home and transferred $200 of the money to my wife's BANK OF AMERICA account online. The next morning I had three overdraft fees for some fast food purchases and the cash deposit still showed "pending" while the $200 transfer showed it had posted completely. I spent over an hour on the phone with a "supervisor" and couldn't get anywhere. They made me feel like I was talking to a robot and could not comprehend anything.

She kept repeating "$100 was made available to you immediately" and I kept saying "how was I able to transfer $200 then" and "the money was transferred to another BofA account".

BofA use to operate in a more honest manner years ago, but have since become the *** of the banking world. I'm going to move all of my money and loans to Chase.

that post from disclosing info was me my bad

it is really horrible that that happened to you. Did you notify the bank that you were traveling to Thailand before leaving?

You need to do this so that they do not think that someone is trying to fraudulently trying to get at your money. There is a lot of overseas fraud going on right now.

It is obviuos that your credit score is quite low and your credit history is not good enough...those rates are only reserved to high risk customers like yourself.