Thieves
F. Williams was pretty angry in the comments below, and rightfully so, about the order of overdraft charges...
"Bank Of America Are thieves and they live off of getting fees from you. I am going through a situation where now I am being charged four overdraft fees for only one transaction that was overdrawn. This sneaky institution holds all of my transactions for over 5 days and then when they do clear them they clear them not in the order that they are made but they are cleared from the highest to the lowest.
Well it just so happens that my last ATM withdrawal withdrew me by $30.18. I understand and take all responsibility for that, but when they change in the order of how they post them instead of me getting overdrawn for 1 fee I am getting overdrawn 4 times because four smaller transactions that were done 5 days before the ATM withdrawal. I hope that damn bank burns in hell."
Hey, me too! :)
posted by Mail Clerk at 1:51 PM
90 Comments:
Stay away from Bank Of America. It is the worst, most expenive bank for those who live from checks to checks. Unless you always have a balance of more than 10K in your checking and savings and you always pay your credit card balance in full, I recommend that you stay away from BANK OF AMERICA. They are expensive, greedy and unwilling to be sympathetic. I know from experience. I have 15 friends who have already closed their accounts with Bank of America.
Bank of America is the worst bank I have dealt with. Check out customers' complaints about their credit card fees and other expensive charges. Bank of America is losing customers on a very daily basis. You don't have to deal with this bank at all.
Suddenly, I don't feel alone anymore. In my case, I had made an online transaction in May, with plenty of money in my account to cover it. I followed the transaction online to ensure that it cleared, before I proceeded with paying my other bills. Imagine my shock when I discovered that BOA posted that same transaction a 2nd time two weeks later, causing me to go into overdraft. (This is not the first time that they've done this, and when I tried to complain, I got nowhere!). This "Double-posting" of my transaction not only sent me into overdraft, but also effectively wiped out what money I had allocated for my other bills. Needless to say, I was charged overdraft fees for those transactions, as well. I am currently nearly $300 in the hole because of BOA's questionable business practices. I am a single mother, trying to be responsible with what little I make. Because of this debaucle, I cannot pay my rent, my car insurance has been cancelled for non-payment (which means my driver's license will soon be suspended, and I do not have the $250 needed to reinstate it.) My daughter and I dined on mashed potatoes for lunch - that's it! I'm thankful that we had that. Furthermore, I may not be able to go to work on Monday because the money that I had set aside for child care has been sucked up by there parasites! I feel helpless. I had no choice but to contact the payroll officer where I work and ask that my paychecks no longer be direct-deposited. I need every penny I can get to catch up on my bills. I will make payments to BOA to pay off the overdraft balance, but they are at the bottom of my list. When the balance is paid off, I will take my business to another bank, one that is more honest and reputable.
I have an accoutn with BofA and was victimized by fraudulant transactions. This is not the banks fault, however them trying to correct it and put the funds back into my account is still a nightmare. I was hit with $902.85 in unauthorized charges. I immediately contacted the bank and let them know that I had a rent check out to my landlord, and wanted them to quickly return the money to my account, or at least credit the money so the check would clear while they were doinf their "investigating" on these charges. They did but they also did not tell me that the credit was only good for 24 hours. They then returned the check and I had to deal with the landlord, and hope that I did not get thrown out! Well, it is now 10 days later, and I really have gottten nowhere. I told them to make my acount credit only to stop any withdawls, and they said theyn did. Today I was hit with $250 more in unauthroized transactions PLUS $175 in overdraft fees that they charged me! I cannot even close my account or change it because I still have "open claims". I am stuck I will be in theis mess forever, because they do not stick to their word. They do nothing to protect their customers because all they want is to make the money. It is so unfair!
I don't have a checking or a savings account with BofA, just a trivial CashPay account into which my Social Security disability payments were deposted. Were deposited until eight days ago, when I received an e-mail from BofA informing me that my account had been closed, that the balance had been put on a check, and had been mailed to the address on my "funding account," whatever that is.
The one customer service line for cardholders has had, for the past week, an "extended wait time" of over an hour. The one time I waited it out (73)minutes, the customer service rep informed me that the money had been "token" off my account and put on a check. "I know that," I responded. "What I want to know is WHY." The response? "We don't know why."
I did get in to the CS line for the main bank where I was able to tell a rep my sad tale, which included the excessive wait time.
"You're angry because you had to wait," the rep asked in an incredulous voice.
"No," I said. "I'm angry because I am running out of food. I'm angry because my gas will be shut off Monday because I can't pay my bill. I'm angry because I can't get my medicine. I'm angry because your bank has taken the money I need for these trivial necessities, sent it godknowswhere and NO ONE WILL TELL ME WHY.
BOA is the worst bank in America. It should be called "Bank that rips off America". I have had NUMEROUS times where the bank has done the same old switch around and make new transactions go in before old ones. Or just 2 weeks ago, my husband took $40 out of the ATM and forgot to tell me. The f-ed up thing about the whole situation, is after I told my husband about the over withdrawal, he went and deposited $75. Hmmmm. 75-40 = -300??? Not when I went to school. They proceeded to tell me that the transactions were incurred fees because they were "coded" in days before he made the deposit. Like I'm supposed to know what the codes mean?! I also tried to make the payroll put a stop payment on my direct deposit, but unfortunately it was too late and my check still went in. That means over $300 of my paycheck went to fees. My phone got shut off, my cable got shut off, because I was supposed to use that money to pay those bills. Now 2 weeks later (I get paid bi-weekly) my check is coming live in the mail and I am taking it to another bank to open an account. I'm glad to see that I am not the only person who has these issues with the bank.
Bank of America!!! Yeah RIGHT!!
Bank of "WE'LL SUCK AS MUCH MONEY AS WE CAN FROM YOU" would be more fitting. Sons of imbeciles! F*****s! I had an overdraft and ended up with about $331 in the negative... (that was my fault, but..) as days went by, they charged me whatever fees they could, to put me even MORE in the negative. How helpful is that? How is that supposed to help people in those hard times?
Don't do business with those blood sucking imbeciles! Bank of America: I hope you crash and Burn, YOU FUCK!!!
I recently made two purchases using my debit card in the amount of $5.00 and $8.03. On the same day an internet purchase was made and even though the money for that purchase of about $300 had not been disbursed - according to the bank that money was no longer available to me - so I was charged $35 for each of the two debit card transactions due to an "overdraft" situation!!! I also made a deposit on that day so there was never an overdraft however because those two purchases put the account negative for a short time they have the right according to their rules to charge me $70! I went to a branch today and at the advice of my attorney got a copy of their rules and regulations so that we could confirm the fact that they had the right to do this and it's true. At least as of April 2009. Even though we've given the bastards billions of dollars they are doing everything they can to screw the consumer! The rules state that they can either allow the transaction to go through or decline the transaction and in either case you are charged $35!!! I was a Financial Consultant for 25 years and I know that all banks are thieves they are the worst thieves in the world without a doubt! I'm sure that some of my $70 will go to pay a million dollar bonus for some fucking executive so that he can add it to his other millions. Unfortunately it's difficult to live in this country without having a bank account and it will remain that way since banks have so much influence in the political arena!
I agree with all the above. Bank of America is making millions if not billions of dollars a year from people that don't have a lot of money right now with all their bogus $35 that keep mounting up and snowballing because they don't post deposits the same day they receive them any more and they take money out from largest to smallest purchases, creating the highest amount of overdrafts. Now you don't even have to go into the "red" on your online banking, they have "behind the scenes" accounting that claims that things passed in the night that overdrew your account but then worked it's way back to a positive balance by dawn. I have hundreds of dollars in overdraft fees and my online banking doesn't even show me being overdrawn . I hope they get busted like Enron and get thrown in jail. They should call themselves the "Thieving Bank of Greed" and leave "America" out of it.
I had a very frustrating conversation with one of your customer service rep name Kayode or OluKayode from consumer Lending (Tel 1800-892-8349) on June 29th 2009. I had called the department to accept an initial offer from another credit analysis to merge my 2 accounts (Visa card & Gold option Loan). Instead he decides to :
5) Puts me on hold for 10 minutes and pulls my credit report without my approval.
6) He mentions that "because my credit report looks satisfactory, he has decided to close one account”. I asked him 3 times, if he was sure what he was talking & he repeated the same thing.
7) Upon my reasoning, he started asking me about my employment & salary, which I did provide him. However he still decides to close my account.
8) Closes both the accounts rather than one account.
He seemed sleepy on the Monday morning or maybe drunk/high, not helpful at all, & the worst customer service representative ever.
I would like to know, after many of good relationship with your bank, on what basis you decide to pull my credit report & ask me about my employment on an existing account. I am upset that after so many years of valued relationship with a bank, I just lost all of it in one shot. However, I am more happy that your bank lost a very valuable customer.
I would like an:
4) Explanation on why I was treated like this after providing all the information that was asked
5) Explanation on why would you ask employment info on an existing open & good standing account?
6) Apology letter from Kayode or OluKayode as soon as possible.
N Patel
I am encouraging a global protest of bank, on how they take money from the economey, destroying and hurting the people of the world. Its time we stand up and we complain about banks. Saturday the 19th and Sunday the 20th let your voices be heard!
Everyone must stand up, protest how they take money from the economey's circulation with these fee's. Making the gaps between the richest and the poor bigger. And stealing money from the younger generaton.
They give out loans you never agree'd to. Instead of declining the cards. Banks are scamming and hurting not just the people but the economey as well.
Please join us in a worldwide protest against these banks by protesting at your nearest bank!
All I can say is thank you BoA for destroying everything that I need....like food! .....I have been in the negative from illegal transactions and have told them to take it off. They have refused to do it. This Bank is the worst 1 I have ever seen! These scum are not even worth breathing.
OMG!! I thought and felt so alone. I too have been robbed by BofA. Words can not describe how I feel towards the thieves! They are so unethical. My Mom who once worked for BofA (please forgive her) told me to stay away from banking with them! I should have listened to her!! They are ridiculous with there over charges. I agree with another blogger, I feel they mix up the items from biggest to least on purpose. Like the other blogger I had no problem paying the charge it's when they took the the single items for 1-$5 and tacked on $35 to each one. This happened twice to me! My last straw came today!! I hate BofA and I pray to God they get what they deserve!!!
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