Anyone that has a checking account with Bank of America watch your account closely for fees that shouldn't be. The advantage checking account fees are supposed to be waived if you carry over a certain balance. My mortgage balance alone covered that, however BOA changed my mortgage loan number then started charging me fees. Even after bringing it to there attention, they have the new loan number linked to my checking account so it won't happen again, but hey why aren't they crediting my account for there past mistakes to the tune of $20.00? My guess is that everyone got a new loan number at the start of the year & when you got thousands of customers falling under balance and getting hit with $20 fees, its a big chunk in their pocket.

I deposited a nice fat check into a Bank Of America ATM and received a printed receipt. OK.
I then withdrew $20.00 and also received a printed receipt but NO MONEY CAME OUT OF
THE ATM MACHINE! When I called to ask them to rectify the situation, they gave me run around, told me to cll
another number, I did, they put me on hold for 30 minutes, I called back twice and still no help.
Ultimately the bank did NOTHING to help me, not even to cancel the transaction. But the ATM took
my money, documented it, but gave no money. So now it is going to be my word against theirs that I got
no money back. WHAT A RIP OFF!!!

I chave a reserve account just in case of an overdraft. On 29 March 2010 I had a $5.63 overdraft. I had a positive balance of $20 in my reserve account.

Bank o America charged me a $35 overdraft fee on 29 March 2010. Bank of America charged me an additional $35 since I did not deposit the funds to clear up the $5.63 overdraft AND the $35 overdraft fee.

I contacted the Bank of America and asked why my reserve/overdraft protection account was not used to cover the $5.63 and the customer service agent told me that the reserve/overdraft account fees were only distributed in $100 increments and I only had $20.

This inadvertent overdraft for medications has now cost me $70 + $5.63.

Bank of America should be brought to task on this and should be ordered to refund the $35.

In addition, Bank of America should be instructed not to overstep the boundaries of overdraft regulations.

Hey,

My name is James and I have been unfairly reported to credit agency's by Bank of America. I called up to get a reduction of my interest rate to get a callback 2 days later from the gold option hardship dept on November 25th. They offered a deal if i close my account and tried for hardship they could get me a lower interest rate. They gave me till DEC 15th to make a decision. I called back on DEC 11th and accepted and gave 640 dollars to start in program. I asked the CSR if they would be any other charges due and she replied all I needed to pay was 640 dollars. I was accepted to the program and advised that my next payment would be due in January.

January came around and I received my acceptance letter and my terms explaining what was said to me on the phone including no late charges and only having to pay anytime in that month it was due. Amounting to 640 dollars. 2 weeks later received a letter on the 26th on January from Bank of America saying I was 1280 dollars behind and needed to make arraignments for payment. Called CSR at Bank of America on the letter provided and was informed that I was a payment behind and still owed 738 dollars for my November payment. I read the letter to the CSR that Bank of America sent and she agreed to what was in the letter and was told i needed to pay the 640. She told me that billing was still catching up. 1 week later was called again after making a payment for 640 and was told I was still behind 640 dollars and need to make payment. I then made 2 more payment for 640 dollars in February to be caught up on account.

I called Bank of America to find out what was going on and found out that I was 1 payment behind but it is only reflected in my DEC 09 billing statementing, other statements are saying 640 dollars. The CSR tried to keep harping on DEC 09 which should have been 640 because there billing was behind. Every statement from then on has said I have only needed to pay 640 dollars. I argued and caught them out on a tall tale in which they could not explain where the 768 dollars extra had gone and I had been not adjusted. The big issue I have is they have reported me late for two 30 day late and their online billing and payment option has told me from the DEC 28 that my payment has been 640 dollars. I am sick of dealing with their hardship department and they have been proven wrong. I was not happy when told I needed to get legal action to fix. Also where is the 768 dollars that has now disappeared from my statement that they are dinging my credit for 2 months in which I had paid 640 dollars. They accepted and told it was taken care off by the CSR. I have had this loan for 10 years and it had originally owned by MBNA which I never had issues with. Bank of America has deceived me and caused damage to my credit history which was in good standing with all credit agencies. Has anyone else had this same issue

This is how I feel about what BofA and these too big to fail banks potentially did to us:

Song: Piggies by George Harrison

Have you seen the little piggies
Crawling in the dirt
And for all the little piggies
Life is getting worse
Always having dirt to play around in.

Have you seen the bigger piggies
In their starched white shirts
You will find the bigger piggies
Stirring up the dirt
Always have clean shirts to play around in.

In their sties with all their backing
They don't care what goes on around
In their eyes there's something lacking
What they need's a damn good whacking.

Everywhere there's lots of piggies
Living piggy lives
You can see them out for dinner
With their piggy wives
Clutching forks and knives to eat their bacon.