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I put in a wire transfer from my PayPal online account to my Bank of America checking account. PayPal's policy is to give 3-4 business days to insure that the money has transferred to the bank account. The transfer was initiated on March 2, 2008. On March 4, 2008...
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11 comments
Anonymous
#240674

It is a money making scheme and you are all taking it. The masses are a bunch of whinney *** and deserve everything they get because they wont do anything about it except complain. The banks own all of you, the sooner you realize that, the sooner you can get a 3rd job to pay for your overdraft fees.

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Review
#114983 Review #114983 is a subjective opinion of poster.
Product
Bank Of America Checking Account

A certain Grace Campoare saying she can tranfer fund worth of 10.5millionUSD own by late Ron Morris | Bank Of America review from Kuwait, Al Kuwayt

I am Mrs Grace Compaore the bank manager of BANK OF AFRICA (BOA) BURKINA FASOWEST AFRICA BRANCH. I am contacting you based on Trust and confidentiality that you will keep this as top secret and don't be scared or surprised, i am the manager of BANK OF AFRICA and i have an opportunity to transfer sum of US$10.5MILLION (TEN MILLION FIVE HUNDRED UNITED STATE DOLLARS) I have the courage to look for a reliable and Honest Person who will be capable for this important business Transaction, believing that you will never let me down either now or in Future The owner of this account is MR RON MORRIS, foreigner and he is the Manager Of petrol chemical service, a chemical engineer by Proffession.He died with his entire family were among the victims of December 25, 2003 Air-Crash Incident in Benin , The bank has made series of efforts to contact any of the relatives to claim this money but without success, you can confirm through this website http://www.cnn.com/2003/WORLD/africa/12/26/benin.c and my Investigation proved to me as well that his company does not know anything About this account. I want to transfer this money into a safe foreign account abroad but I Don't know any foreigner,I know that this message will come to you as a surprise as we don't know ourselves before,but be sure that it is real And A Genuine business. hope that you will never let me down in this transaction, at the conclusion of this business,you will be giving 40% of the total amount, 50% for me and 10% for expenses.look forward to your earliest reply by email for more detailsThanks.Best regards,Mrs Grace Compaore
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Review
#114095 Review #114095 is a subjective opinion of poster.
Product
Bank Of America Account
Loss
$10

Bank of America's overdraft goldmine

I've devoted hours and hours to studying Bank of America's "accounting" and this is what I've discovered: During the course of the week they will "recredit" monies to your account that had already been deducted leading you to believe you have more money than you really do. Then they will put those old transactions back through along will all the new charges resulting in multiple overdrafts if you have a low balance and aren't wary of your "true" balance and are using "their" balance. They will even undo transactions that have already posted and "reshuffle the deck" so to speak to get even more overdrafts. Call B ofA (1-800-622-8731) every morning for a week and listen to your balance and see if you don't "mysteriously" have more money in there for some reason even though you've made no new deposits. I pay cash for everything now because I can't afford $38.90 lattes.
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33 comments
Anonymous
#315143

Thanks For This Post, was added to my bookmarks.

Anonymous
#313305

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

Anonymous
#288848

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

Anonymous
#175417

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....

Anonymous
#156041

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........

Anonymous
#155186

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

Anonymous
#151974

just got charged 105 for spending 20.38 of my money

Anonymous
#151192

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?

Anonymous
#149902

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.

Anonymous
#134261

that post from disclosing info was me my bad

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Review
#113821 Review #113821 is a subjective opinion of poster.
Product
Bank Of America Checking Account
Loss
$1000

Bank of America....is the worst!

Bank of America is the worst financial institution that I have ever had. Their customer service representatives are the worst and will tell you false statements at any given time. I called to inquiry about a check that I deposited and was informed that it would be available at 5:01pm that day. Which didn't happen and caused my account to be overdrawn. What really bothered me was the rep didn't not my account and told me false information. I am so displeased with them and I am recommending to all my friends and family that patronize Bank of America to find a financial institution.
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Review
#113743 Review #113743 is a subjective opinion of poster.
Product
Bank Of America Account

Online banking customer service from overseas | Bank Of America review from Bangkok, Krung Thep

When I wrote from Thailand that I needed a "duplicate" ATM card, they put a hold on my card so there was no way to get cash. After writing them they kept giving me 800 numbers to call through an ATT operator who asked for an ATT credit card which I don't have...I was then told by ATT that 800 calls cannot be made from Thailand!!I then tried the toll number and was not able to "hold" for 20 minutes from here....I had my daughter in Oregon call and she was disconnected 3 times..Now, no card and no money...........
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2 comments
Anonymous
#73641

I can work as call center agent

Anonymous
#23900

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.

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Review
#113085 Review #113085 is a subjective opinion of poster.
Service
Bank Of America Banking Service

Charged 34.9% interest w/ out me aware | Bank Of America review from Newburgh, New York

Bank of America nightmare...I transferred funds ($5500) to a Bank of America promotional rate of 0% for 12 months. I was late by one day on two consecutive bills. When I received my next bill, I noticed in small print that my apr % was 34.9%! When I called to inquire, I was told I should have read the "fine print" on the offer regarding late payments. Okay, I agree, but what I don't understand is how such a reputable bank would charge a rate well above what "Loansharking" is defined as. In addition, not make it obvious they had done so. And, furthermore, I was given zero courteous or flexibility. So, me, who has an excellent credit score, dealing with a supposedly good banking company, witnessed a complete "Lose-Lose" scenario: I will never bank with Bank of America again, nor recommend them! Shame on them...such thieves.
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2 comments
Anonymous
#48269

You were late on TWO payments. And you thought they would be overlooking this?

Wrong.

You are an ***. They should have hiked the rate to 69.8% just because you're an ***.

Anonymous
#48261

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.

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Review
#112979 Review #112979 is a subjective opinion of poster.
Loss
$700

Bank of America hosed me

This seems to be how BoA makes their money. I have a secured Visa card with an annual charge (although the paperwork that I had originally signed had led me to believe that there would be no annual charge). No big deal right? Well, last year in March I received my first charge of $29. It wasn't until a few months ago, in October, that I finally got rid of it. I initially paid off the original charge of $29 over the phone. That accrued a $15 pay-over-the-phone charge. No problem, I opted to pay that over the phone at the same time. Several months later, I logged onto my BoA website and found that not only had the $15 charge not been paid, it had doubled to over $30 in late fees. I never used the card so never thought to log on, and they hadn't been mailing my statements to notify me of a balance like they should have been. I called them and paid it again, once again asking to pay the $15 charge right there. This time, they took the extra $15. Unfortunately, they did NOT take money for the $1.50 finance charge. Again, no statements, and I eventually had to open up online bill pay with my other bank (who I actually trust) to pay the finance charge. Almost a year and over 75 dollars to pay an original $29 annual charge on a card that I thought didn't even have an annual charge. Just this month, I logged on in a fit of randomness, and found, in the start of a wonderful new cycle, another annual charge of $29, again with no paper statement mailed to me. I can only wonder the devious ways they plan to hose me this time around. I plan to dump this card ASAP, and will never look back.
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1 comment
Anonymous
#41584

imreloadin----

I want to share an observation with you and the readers of these articles about First Premier Bank.

I notice how you like to chap up working for First Premier Bank.....Ohh it's a great life with all of these beneath you consumers which is pretty much my take on your position regarding your company.

However I noticed how you are selective in your responses. You do not seem to be commenting on complaints about RUDE customer service reps. Only things regarding your expertise, such as your Cardmember Agreement. Which I'm sure you have a copy of near by since it is kind of like your employment bible.

What I think you should realize is; really all you are doing is parading yourself around like you are some know-it-all with your rule book. What you should consider is that YOU are that RUDE or TERRIBLE customer service rep. So stop the parade and aknowledge that yes you are that RUDE customer service rep. (CRITICIZE)!

Review
#112908 Review #112908 is a subjective opinion of poster.
Loss
$100

Bank of America Ripoff

B of A gladly handled a balance transfer for me and I was very happy to have the 0% financing for a year. I recieved my first bill and there was a late payment fee and a huge intrest rate. They claimed I missed my first bill. There was NEVER any statement sent to me. My mailbox has a lock on it and my bills are not lost or late. I immediately transfered my balance once again to Chase and never had any problems. DO NOT TRY DOING BUSINESS WITH BANK OF AMERICA. They will not remove increased charges for mistakes or errors that they themselves make.
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1 comment
Anonymous
#5097

Again, YOUR RESPONSIBILITY. :zzz

Review
#111750 Review #111750 is a subjective opinion of poster.
Product
Bank Of America Credit Card
Loss
$300

Bank of America is THE Worst

Bank of America Froze My College Tuition! These people are terrible, particulary a supervisor named Maria Velasquez who won’t return phone calls, forcing consumers to use automated voice response systems that shield real people from resolving their problems. I am trying to pay college tuition and they froze my account due to a “technical problem” with their on-line web site. 15 days later and countless hours of calls to branches, their corporate headquarters and useless customer service representatives; my tuition is still tied up. No one will help or return phone calls. There are some really bad people employed at BofA. Considering all the good choices consumers have, Bank of America doesn’t deserve our business. We need to send them a message by taking our business to better, customer friendly institutions.
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1 comment
Anonymous
#79448

Write to your Senators and demand they do something. That's what they are there for.

Tell them you want the banks regulated and changes in the banking laws.

And then write to Pres. Obama.

Review
#111426 Review #111426 is a subjective opinion of poster.
Product
Bank Of America Account
Loss
$3000

Bank of America rips off a customer of 30 years!

After having at least 1 account since 1979, (and several times a business and/or savings account), in January of 2006 I called the BofA branch in Woodburn Oregon to discuss closing my accounts as my employment status put me over an hour away from the closest branch. I was told to be sure all charges were thru, then call back and they would close the account for me. April of 2006, I called again, stating they were taking $6.50 every month to send me a statement and that I wanted to close the account immediately. The manager was brought into the conversation and I was told the account would be closed the end of that month and I would receive a check for any remaining balance. I actually forgot about the balance, I was already banking with another institution, and never gave this another thought, until now. Looking into my credit score I discovered I have been turned over to a collection agency for $220 of overdraft fees!!! Can you believe that? I called the 800 number, was passed around several times then "accidentally" dropped. Now I am furious! I will not pay these ridiculous fees, and I will take this to the highest courts possible and sue for those court costs as well. I want BofA to contact all three credit reporting agencies and inform them of their mistake. I want this taken of of my credit report right now! I also want BofA to contact this collection agency and have them to drop their pursuit of these fraudulent charges. I also want BofA to stop this ludicrous practice, ripping people off. I want all of this in writing, and I want it now! If BofA will straighten this mess out immediately, I won't have to pursue legal action, but it is my credit you are screwing with, and I cannot afford to just let it go. After nearly 30 years of banking, paying those ridiculous charges, giving them my money, you do this! Shame on you!
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1 comment
Anonymous
#23469

This is unfortunate but im pretty sure if you try and take this to court, no way you will win. I've had to deal with situations like this at my bank as well.

It will be a waste of your money. The bank isnt responcible for keeping track of your transactions, you are. It is obvious that items were still being presented to your account after it had been "closed". Were they electronic payments?

Checks you had written? Were you having issues with fraud? Whenever you close an account out you need to keep track of it for at least a few months after to be sure that there arent any issues. Sometimes payments will come in right as an account is supposed to close, giving a negative balance and holding the account open.

Banks tend to send a couple statements after accounts are closed for that reason.

I would reccomend talking to a regional manager and trying to explain the problem in a calm sensible manner. Hopefully they will be able to help you.

Review
#110103 Review #110103 is a subjective opinion of poster.
Service
Bank Of America Banking Service