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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 banks do as well, weather it be processing of items or sticking by its policies of cut off times and deposit holds.

I am tired of hearing the same old story every day about why your account is overdrawn (especially on Wednesdays). We at customer service DO NOT want to hear your life story, suck up the fact that you screwed up, mismangaed your finances and are now being assessed fees. If the fees were applied and it was due to BANK ERROR, we will acknowledge that and fix our mistake - even if you do have to call us about it. But if you make purchases with your check card over the weekend, you should know that those items DO NOT POST to your account UNTIL they go through processing the next business day (Mon-Fri). So when your account goes through processing Monday night and you have a outstanding check come in causing your account to become overdrawn, DO NOT CALL US to see if we will give you back the overdraft fees, because they are not result of any BANK ERROR, you screwed up, not us.

As far as processing of items, Bank of America like any other bank in the country, POST all credits (as long as we have it before the cutoff time for your state) before any debits AND we process items largest amount to smallest amount PER federal law (except in the state of Nevada, because of the state law and gambling combined together).

We associates at Bank of America try do our best for whats right for you as a customer and provide you with resources to help you better manage your finances (automated system and online banking), but it is ultimately the responsibility of YOU (the customer) to make sure that your transactions are recorded in your check register. Once you have that information, you should know where your balance stands.

I get paid to provide you with information regarding your account and to educate you on how your account works and other products and services, but the moment you call me, start dropping "F" bombs towards me, pretty much calling me incompetent and trying to tell me how to do MY job, customer service for you goes out the window and i'm not gonna sugar coat *** for you.

The moral of the story for today kids is:

*be an adult and take responsibility for your *** up on your account.

*do not call customer service with an attitude like we owe you anything.

*when you do call customer service, be NICE and receptive of what we have to tell you and as a result, you won't receive "bad" customer service back at you.

FYI to those verbally abusive customers, we do reserve the right to close your account and send you a check in the mail of your remaining balance for your abusive language. Keep it up and we will report you to Chex Systems as well to prevent you from opening an account any place else.

Thank you for reading, enjoy your day.

Any questions, comments or concerns email at

Review about: Bank Of America Online Banking.


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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


I once was charged the 35.00 fee for .23cents overdrawn, I called and told them I couldn`t see how they could charge such a astronomical fee for less than a quarter overdrawn, they gave me some bull****line but eventually got it back, but was told next time they have no choice but to charge the fee.That to me is outrageous fee for less than a quarter!!!

But this is how banks make their money, they hope we overdraw!!!!:(


Go to your SENATORS!


Ok to the person who posted this thread, and yes I do work for Bank of America!!

Did you ever once try to understand why people are upset? Did you read their posts and try to understand their situation? Did you ever look yourself in the mirror and ask yourself why you didn't just answer them without coming home from work venting taking it out on customers? Btw I get paid to report bad Bank of America employees, though you better watch yourself next time.

You better try to save your position cause when they start down-sizing, you might be the one to be sent home, and threatening Bank of America customers, regardless of the fact is an offense to our Code of Conduct, you should know the drill, or maybe you need to watch the CSR Video we train employees to watch to better handle customers. :).

Even though some of the stuff said is right (from what this person said), always check your general ledgers and your account ledgers online. Sorry for any inconvenience we caused you, we always look forward to making the customer happy. If you see or notice anyone that claims, or belittles the customer of Bank of America, please call 1800-432-1000 or email We look forward to stopping any employer who makes us look bad, the faster you send in your information regarding report claims of CSR abuse the better to assist you.


I have a small business and bank with BOA.I have a line of credit for my business, always pay my bills on time and more than the min.

payment. BOA has increased the interest rate from 10% to almost 25% which has more than doubled my payment. I'm struggling to keep my head above water in these hard economic times but every time I turn around some big business is trying to drown me. Where is all the help for the middle class of today?

What's wrong with this picture people?

We bail out the banks with our tax dollars and then they take full advantage of us!As soon as I can, I'll be saying bye bye to BOA!


I like how you tell customers to take responsibility for their own errors which includes paying fines and fees, yet banks don't feel the need to take responsibility for their own errors, you can find loads of stores about how a bank put money into the wrong account and then months later when they realize there error instead of taking responsibility for it and being out the money they go and just yank it out of the account. I'm sorry but that's your *** up, and it's hard enough to get you guys to admit it so the money can sit in there for months some times. If we as customers don't pay attention and mess up we pay for it, so banks should have to pay for it also when they don't pay attention and mess up.

Askvoll, Sogn Og Fjordane, Norway #34138

when it is MY error I ADMIT its MY ERROR!!however I have on a COUPLE Of occasions been charged fees that NO ONE on YOUR END can EXPLAIN and bc its been 2 months they can't do anything about it????

your commercials are MISLEADING if they show the "check your account anywhere, even in the mountains" as I DID that I checked my account PRIOR to making a purchase and SAW that the ONLY two prior transactions I had (and YES those TWO transactions are the ONLY ones I had for the FOUR days BEFORE and the FIVE DAYS AFTER this one!!!! )open HAD posted and it showed I had a balance of $49 I spent $47 and yet I was charged an OVERDRAFT FEE?? when I called to complain I was told I shouldn't check my balance ???? WTF WHY OFFER OR ADVERTISE that if you shouldn't USE IT????

hmmm maybe you (you as in Bank of America) have HEARD that complaint often (as I haven't seem to have been seeing that commercial lately ? wonder if there is a class action that could be had on that ??? ) Trust me I AM VERY ON TOP OF MY ACCOUNT I canot AFFORD to get any type of "extra" fee or charges I check my account SEVERAL times a day. I have called to report LEGITMATE claims against other company's (oh and again ANOTHER COMMERCIAL that seems to be MIA.....we will refund your money while its investigated???) BULL!!!

on those claims I was told they could NOT refund my money (and please they were ONLY $12 claims well one was $75 and one was $25, ALL were REFUNDED to me by the MERCHANT as they were FRAUDULENTLY MADE!!!

I was trying to avoid having NSF fees b/c due to these PROVEN FRAUDULENT charges my account was below the balance I like to KEEP it at.but NO ONE wanted to help you have the WORSE customer SERVICE I have EVER experienced and I have WORKED customer service for over 10 yrs!!)

Los Olivos, California, United States #28872

Yes, it is our job to help you out as much as i can and educate you about your accounts...but it is NOT our job to take abuse.

You know, once i had a client threaten to "slit my throat" if i didnt return overdraft fees... what should i have done in your opinion.... oh... i am sooo sorry about the overdraft fees sir....

here you go...

full refund!!!?:?

Harstad, Troms, Norway #28818

wow, its nice to see that there is no hope for humanity....

Trucker guys -

I do my best every single call to provide quality customer service to my customers, but when you have someone that is unrealistic, unreasonable, it becomes frustrating to do your job and not become upset. I can only speak for myself, and i speak from YEARS of experience.

Working Mother -

i understand your gripe and frustrations, living pay check to pay check. I have student loans that i am into my 5 year of paying, i have no roommate nor do i live with mom. its understandable that you're upset for being overdrawn by 1.79 and that you probably received a $35 fee, but when you spend money that is not there in your account, those are the consequences that must be faced. One thing people fail to realize is that in the banking industry, its a computer system that recognizes overdrawn accounts and applies over draft fees. Not some monkey pressing the overdraft button at the first sight of seeing a negative balance.

To everyone -

just be kind to the next customer service rep you speak with, situations usually work in your favor when you're polite and understanding. Put yourself in the shoes of a CSR. Imagine yourself when you're pissed off and you're yelling at someone, cursing them. How would you feel if you were on the receiving end of something like that 80 - 100 times a day.

Broadstairs, England, United Kingdom #28791

Customer SERVICE!That is your job title.

SERVICE means being proffessional even when the customer is not.


or Mrs.Customer service took the job, deal with it!

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