Bank Of America
Reviews and Complaints
Fia Credit Card Bank of America
Overdraft charge like crazy!
Bank of America ripped me off, and furthermore
Bank of America ripped off son while in military
Interest Going Up for the Ones That Pay on Time
Online Payments
Bank of America credit card
Liars through ommision
Way to much overdraraft
Good bye Bank of America
Visa Card autopay deducted in error: won't return money for 5-7 days.
Automated debit out of Bank account
Bank of America poor service
Bank Of America Unauthorized electronic debit from my checking
Here is the letter I emailed them:
I have been a Bank of America customer now for over 3 years. So far I am very dissatisfied with your service. Most of your tactics are deceiving and seem to trap consumers.
Here is my #1 problem with this bank. I got a student credit card with you and used it irresponsibly and quickly went over the limit. At first I was paying on time then after a few months I stopped paying. About six months later bank of America put me on a 5 year payment plan to pay off the balance of my debt of $46 dollars a month to be paid on the 21st of each month. I went about 3 months with no problems then all of a sudden you stopped automatically withdrawing the payment out of my account. i called up and you advised me that I needed to reschedule my payment plan and that’s why you didn't debit the $46 out of my account that month.
I got a letter in the mail about 2 weeks prior saying that i need to reschedule the payments. I called the number and they said to never mind the letter that it wasn't necessary (which apparently wasn't true). So two weeks later when the payment wasn't made I got hit with late charges and fees. This did not seem fair I did everything I should have and I had to pay for a bank employee's mistake.
So after I once again rescheduled the payments 3 months later the same thing happened (this time with no warning letter) I got hit with late charges and needed to reschedule. Fed up and untrustworthy of this company I decided to call up and request a full statement outlining what my charges are and how they came up with my balance. They said they would send that in about may I would say. I still haven't received this or any other communication with bank of America.
Now on September 30th 2008 my checking account gets mysteriously debited $46 after not speaking with them for almost 5 months. I called and got the run around and gave up. Now on October 21st 2008 i get another charge for $46 so I called again today. I spoke to bank of America about the situation and they transferred me to a representative of FIA card services. She advised me that the reason these two debits came out of my account were because I called in and authorized them to do this on Sept. 30th 2008. I am 100% positive this never happened. i ask them to let me listen to a copy of the recording of me authorizing this and she said she will transfer me to the manager who can help me out with this. I was transferred and I got a voicemail, so i left a message explaining my situation. It is now two days later I have not received any response back from this manager or anyone. These practices are very wrong in my opinion and hopefully Illegal.
On a side note I asked them not to make any more debits from my account to pay this bill. They agreed and I asked them to send me written documentation verifying this and I was old this was impossible (she said they can’t send a letter verifying something that is not taking place) this makes no sense to me why can’t they send a letter saying 'no more electronic transactions will be debited from my account' So after I was told this I was asked for permission to record her saying that this will not occur, once again I was turned down. She also couldn't give me a straight answer of why the $46 was taken out of my account on different dates for the September and October payments.
My question is What are you going to do about this? I incurred a $35.00 overdraft free from this unauthorized transaction. Bank of America should not be allowed to steal money from their customers accounts and then give them the run around when the start asking questions. I’m so fed up at this point that I am going to send this problem to every organization that will listen. I have extensive experience in internet marketing and how to spread something across the internet. I’m not sure if you are aware but there are literally thousands of consumers’ complaints about your company all over the web. In addition many of these people are starting to inquiry about class action lawsuits against you as most of their situations are all eerily similar. After reading all of this I have no doubt in my mind that this is no coincidence and Bank Of America is intentionally trying to scam their customers out of money through any means possible ( questionable practices, downright fraud, and resorting to low measures to make a quick buck). Fortunately I work at a law firm that specializes in credit and consumer laws. I have no problem proceeding with legal remedies this has gone on too long and it’s time to take some action.
Bank of America - Unprofessional and Rude
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Notify your Senators! That's what they are there for.
They regulate the banking industry.
Then ask that they change the banking laws. They've bankrupted the country and are operating like organized crime.
Yea Terry is right you idoits watch your money, through online banking or take your lazy impatient *** to the ATM to check your balance, call do something. Remember your bills if you work so hard for the money,THEN WORK HARD AT PROTECTING IT.
Yea Lisa ODP works but your still charged a transfer fee, that should be an emergency use only. How bout just monitor your spending, and it will monitor your actions. as for Terry yeah I'm tired of all this b i t chin about NSF every1 charges them I've shopped every bank TRUST ME. I had 3 NSF in my life and thats it I'm young and I know fire burns so don't get so close.
lol :grin. grow *** ppl that want 2 be babied, grow the *** up or don't write a check y a z z can't cash.ELEMENTARY LESSON :cry
Terry the banker,
Have you forgotten what customer service is or are you just so deeply involved with the banking system that your vision is impaired by $$. People use banks because they have been convinced that they need them.
Wake up people, you don't need banks they will only take your money. The problem is not that people are doing anything wrong they are just not doing it in a way that's acceptable to the banks. the banks have been changing their policies over the last few years to exploit the people that once trusted them. The system is designed to take advantage of every misstep that the customer makes.
Most honest people will gladly pay a fee if they are at fault.
Its easy to blame the customer when the system is designed to exploit them. Cash is still accepted everywhere, use it!!!
Terry is right on. Come people wake up and smell the coffee.
Don't spend it if you don't have it. I have a savings and checking with them.....get overdraft through your savings and you won't be charged a fee.
No, it's not all banks it's because Bank of America is the worse bank ever! It should not take 5 days for a cash deposit to clear into my checking account!
So if I spend it 3 days later yeah I kind of assume it's in my account especially when I go to the atm and it shows my balance. I go spend money and oh surprise a ton of overdraft fees. When my card got stolen and I canceled it and filed all the proper papers they took the charges off but left the overdraft fees because I didn't have the funds to cover it. Well of course I didn't my card was stolen and they didn't freeze it right away!!!
My old bank never did any of these things! If I put money in to my account it actually went right to my account. I only switched because my old bank isn't nation wide. I'm currently in the process of switching banks.
I'm in college I can't afford to wait a week for my paycheck or cash to clear.
I have to eat and with the overdraft fees I can't. Plus sometimes I don't even know they take it out so then I go over!
Whoa Harsh but never truer words have been spoken. Dont write a flippin check if the money isnt there to cover it. I think I learned that in the 2nd grade
Yet another Bank customer that does not get it.
The key here is to NOT write checks before the money is in the account.
You guys like to float loans to yourself hoping to beat the clearing house. TIP for you-It doesn't work anymore :(
BLAME your own ignorance. If the money was in your account, you would not get hit with fees.
ANY bank you deal with is the same way, and there is now a good chance that you can not go to another bank to open an account because of the way you mismanaged this one. Banks now put check bouncers like you in a data base and any time you go to open up a new account at another bank, guess what? Your name pops up as a person that bounces checks.
And we want to know why this country is in the condition it is now? It is because dummys have no clue how to manage money.