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Update by user Nov 28, 2011

Since it\'s a been few years, I\'ll offer up an update on my continued experience with Shopsafe. If I give the number to a well established online business and know that I won\'t be using the virtual card again, I immediately close the number to and if it\'s been...

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32 comments
Mark F
#873352

Anyone, your temporary number will be treated no different than the real number except when you cancel the number. For example, I like to use temporary numbers to prevent automatic renewals and if the temporary number is cancelled, future charge won't go through and they'll be no problem.

Unfortunately from experience, if the number is not cancelled and the number is stolen and gets used, the charge won't likely go through (either for going above the credit limit you assigned or expiration date) but it will be treated as a fraud incident and your real card will get reissued. This is I know from experience and why I complained about it.

So if you do use Shopsafe, make sure you cancel the temporary number() after use; very easy to do using the web app.

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Review
#131775 Review #131775 is a subjective opinion of poster.
I initially had great service with this bank and referred friends and small businesses. I am sorry to say say I regret that. This new system is awful. Everything including cash is pending and nothing can be done about it. I view my account on-line daily and this is how...
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1 comment
Anonymous
#426492

I have created a shop safe 100$ valid for 2 months and the card was billed online instantly for 105.71 $.

How is it possible for the payment to get through when my shop safe card had a 100$ limit .

Further is the shop safe number really safe other than not revealing the original credit card number and are the features really working

I used citi virtual numbers they work perfectly decline the transaction when they are supposed to and citi does not call you to check if the transaction is legit

ymuralikrishna@redifmail.com

Review
#131100 Review #131100 is a subjective opinion of poster.
Service
Bank Of America Banking Service
Loss
$260

Bank Of America review in Auburn, Washington: Over draft charges ontop of over draft charges?

I was charged 8 over draft fees in one week. when i went in to bank of America to talk with someone they didn't want to help me but, told me to call customer service. when i called them they found a problem that they made. then told me that they did not know how to fix it and i need to cover the charges. why? my money was in there before the 8 charges. I want out of this bank, I cant live with some one taking my money without me using it fist. i am very pissed
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2 comments
Anonymous
#28054

This happened to be too. My online banking posts where all switched around to justify why they charged me 5 NSFs.

I withdrew 900 bucks from my account but they moved my transactions around making it look like I had only 880 in there at the time of the withdrawl.

If i had only 880 wouldnt the teller tell me i didnt have 900 to withdraw and it showed that a taco bell purchase that happened 4 weeks prior posted at the sametime. looks like even these banks are hurting for money.

Anonymous
#28043

Wow! I was just charged 3 NSF fees and my account didn't even go negative.

I was told it was because I made a transfer between BoA accounts. Then they changed their story about the times of my deposits despite the paperwork I had in my hand.

I've been a customer of BoA for 15 years, tomorrow I will find a new bank. I can't put my money some place I no longer have faith in - I'll also file complaints with everyplace I possibly can.

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Review
#131034 Review #131034 is a subjective opinion of poster.
Loss
$2000

Bank Of America review in Washington, District Of Columbia: B of A customer service = nonexistent

My credit card (MBNA visa) was sold to B of A a few months ago. Checking my APR recently, I saw that it was 16.74%. I have platinum credit and the highest possible rating, so I wrote their customer service deptartment to ask about obtaining a lower rate. I received a form letter stating that they "consider many factors when determining the APR." Superficial and condescending, it didn't even answer my question. I wrote back and told them they could close my account, which they did within two hours. (Yep, customer service was all over that one!) Fortunately that was more than enough time for me to secure a Capital One visa at a 7.99% APR and transfer my existing balance. Just a shame that with so many folks out there with bad credit B of A seems to have no willingness to hang onto their highly ranked customers.
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1 comment
Anonymous
#27235

:cry

Review
#130682 Review #130682 is a subjective opinion of poster.

The Bank Of America????????

Back in June I had the mis fortune of losing my debit card. I did not realize it until I went to check my emails and was advised that my card was suspended due to mis use. Needless to say my card was used. I filed the complaint as they stated. I called in to check on the status of the paperwork a few days later and was advised that the claim was still being processed and that it would be a little while before I would receive it. I continued to follow up via email as well as on the phone and not one time did I get this paperwork. Finally I got in touch with the department that told me that the temporary credit that they initially gave me was reveresed because I did not submit the paperwork. I said what paperwork? They faxed it to me I completed it and returned it immediately. I was advised that the representative would submit the request for me to get the temporary credit back as I had my mortgage payments were due. The rep told me that it would take a couple of days but that it could happen at any time. Needless to say I was down to my last $00.5 and still no credit. I then had the misfortune of speaking to one of those reps that feels as if they are working for the president that all but broke it down to me in such a way that I was left feeling less than because of the situation. I then found out that my claim was denied based off of the fact that the person that used the card put the pin number in correctly the first time. When I called to file the claim the rep that took the claim told me that they blocked the card because there were numerous attempts on the card with the incorrect number. When I called back and spoke with a supervisor on August the 1st, I spoke with a supervisor who advised me of the same thing. He said that he wasn't sure why the claim was denied and that he was going to submit a request for reconsideration. I called in on August the 5th to be advised that that request was denied again on August the 1st. How could that be? That means that there was no real reconsideration given. The "stupervisor" that I spoke to on the 5th stated that the reason why it was denied was because I made a purchase prior to losing the card and they stated that I should have included that purchase in the claim....Huh????? That would not be truthful. I made the purchase. The Bottom line is they are trying to say that they are not going to give me my money back, which I kind of already knew. They charged me four $35.00 fees based on purchases that I made with "my money" that once this incident occured it overdrew my account. The Bank Of America, yeah right I guess only if you have enough money to support America.
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Review
#130452 Review #130452 is a subjective opinion of poster.
Product
Bank Of America Account
if you the *** that can not maintain your checking account and is constantly overdrawing it, PLEASE do us a favor and close your accounts and take your business else where. You will quickly learn to find that the same practices and policies that BofA engage in, other...
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16 comments
Anonymous
#1242498

Coward.

Notice how you didn't sign your name. 7 people in my family have all the issues complained about.

But you are all talk to your customers who keep your *** employed

I hope and can't wait for legal remedies that close your bank down. And another thing, sounded like threats to what you do if people confronted you on fraud

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Review
#129620 Review #129620 is a subjective opinion of poster.
Service
Bank Of America Online Banking

Bank Of America asks for account credentials at another bank

Yesterday, Jul 23, 2008, I tried to open a CD account with Bank of America online, and in addition to all the standard information (name, age, SSN, address, mother's maiden name, citizenship, routing number and account number) I was also asked to provide my userID and password to the -another - bank account from which the CD would be funded. Stunned, I called their 800 number and they confirmed that, since I was not an existing customer with Bank of America, I had to provide the user name and password to my account at the other bank, or else could not open the CD. I strongly believe this kind of information should have been disclosed first-hand, to avoid me entering all my credentials in vain. And what happens now to all my personal information, since I don't even have an account with them, so Bank of America cannot be held responsible for leaking it out? This morning I went in person to their local branch, and the manager was as surprised as I was to hear that I was asked the userID and password to access my banking account at another bank. My going in person to the local branch didn't solve the problem though, since apparently they, the local branch), have no communication with the online banking department, other than calling the same 800 number I had called the previous day. According to the local branch manager I talked to, they don't even share the same database! Needless to say, I would never open an account with Bank of America, if it means to give away my user name AND password to my account at another bank!
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Review
#128839 Review #128839 is a subjective opinion of poster.
Service
Bank Of America Online Banking

Bank of America Credit Card Services Ruined My Credit

I have been banking with BofA for 15 years. Recently the grossly overpriced fees have been getting to me financially. A few months back I was late on two payments to a credit card held by BofA. About two months later the bank closed the account and raised the minimum payments from about $700/ month to $1900/month. Well, now I am unemployed with no way to pay them off. Now they are sending me to a collection agency after "trying to help". If they had not closed the *** account in the first place, I would have been ok. Do not bank with this company, when times get rough they send their henchmen to get their money with no regard for the consumer. My wife and I would have been doing well, except for this housing crisis caused in part by the *** banks giving everyone in the world credit and mortgages. Now they are getting the *** credit card holders with only minor blemishes. Soon, I will be closing my other credit and bank accounts with bank of america. Adios to you BofA. Thanks for cleaning my family and many others out of their hard earned cash.
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Review
#128726 Review #128726 is a subjective opinion of poster.
Service
Bank Of America Banking Service
Loss
$20

Bank Of America review in El Cajon, California: Getting screwed by MBNA

If you are not aware, if you check my MBNA account you will find two things When Bank of America decided to buy MBNA or take them over which ever occurred. They not only took over MBNA assets but their responsibilities. One of those responsibilities was “customer service” What MBNA/BOA consider customer service was to ‘quietly allow the account to exceed the maximum balance. Thus providing MBNA/BOA an excuse to raise the interest rate. Not true you say, well let me explain. I had stopped using the card as so did the other authorized user Connie Butt. What ran the card up was automatic payments. The excuse for this according to one of your ‘account mangers ‘ “We did not want your “phone or other services to be cut off” There is just one problem with this ‘ When I requested a increase to pay for automobile repairs it was denied. The denial I might add was before the allowed over charges. And the increase in interest rates. Then there was the late charges because even though I was making a transfer from another card. It could not be processed because of some glitch in BOA’s take over of MBNA. Then there was BOA handling of all of MBNA’s third party services, you know the ones ‘ travel, car rental, hotels........ As customer of MBNA’s and not of BOA I was told when I learned that a ‘airline ticket had been made out in the wrong name, by BOA that they were not responsible for any errors made by MBNA. That it was up to me correct it. That fiasco took 5 days on the phone with “ world points’ Delta Airlines , BOA customer service ( who were of none) and a visit to San Diego Airport, where being forced into a desperate situation got the issue solved using a very successful tactic. Where was BOA all this time ‘ not helping g the customer. No they were putting it back on MBNA.. In simple put,, you established that I am not and have never been a BOA customer. And if I want being that MBNA no longer exist all of my debts are expunged. You can not take the good without the bad. When BOA bought MBNA it was not a desk and chair punchers it was the whole dam store. Zits scars and all. People tell me I need to have patients.. To which I reply ‘why are you having a ‘ash and sack cloth sell’ Well I don’t need any and I don’t need any more of BOA B.S You have stretched my patient to the limit. I have had repeated conversations with your ‘account mangers’ but now it appears as if not only am I getting calls from FIA but request from BOA to class them
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Review
#128531 Review #128531 is a subjective opinion of poster.
Loss
$24
When you do an over draft Bank of American will reshuffle all the amount for the last 3 days by largest to the smallest, not by date. Then this will empty your acount quicker. I got 5 $35 overdraft charges all of the items were done the day before I the one I should...
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6 comments
Anonymous
#49701

I ahve a checking and savings account with Bank Of america they have been really great in the 7 months I ahve ahd the acoounts I have been charaged 3 $35 overdraft feee and then they have been returned

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Review
#128211 Review #128211 is a subjective opinion of poster.
Loss
$175