I scheduled on online payment to BoA of $4300. On the scheduled day, BoA made TWO withdrawals from my external checking account of $4300 each.

I was out of the country and did not discover the effect on my checking account until a week later. When I called BoA, they said they'd correct their --admitted-- error, but it would take 8-10 business days to get my checking account credited. Their claim is that it takes that long to "go through the clearing house."

If I call to make a payment to BoA from my external checking account, they could get it in one day. Why should it take two weeks to process a refund through the same clearing house? I call this a scam or an intentional deal with the clearing house to hold on to my money.

I HAD A MASTERCARD ACCOUNT FOR OVER 30 YEARS THAT WAS TIED IN WITH MY CHECKING ACCOUNT FOR OVERDRAFT PROTECTION. BofA CANCELLED THIS CARD WITHOUT MY KNOWLEDGE. ON 1/14/2010 THEY CASHED A CHECK THAT DID NOT HAVE THE FUNDS TO COVER. BofA CHARGED ME $35.00 OVERDRAFT FEES. ON 1/22/2010 THEY CHARGED ME ANOTHER $35.00 EXTENDED OVERDRAFT FEE. A TOTAL OF $70.00 HAS BEEN TAKEN FROM ME. THIS IS UNJUST AS HAD THEY NOT CANCELLED MY CARD OVERDRAFT PROTECTION WOULD HAVE TAKEN PLACE AT A LESSER FEE. WHY IS BofA ALLOWED TO CASH CHECKS THAT DO NOT HAVE THE NECESSARY FUNDS THEN CHARGE FOR DOING SO

They have the worst customer care I have every seen, let it be the check card or the Credit Card all their assocites are snobbs, rude and mannerless. This is not a feedback based on 1 or 2 experiences, its the 5th time and they have always been no help and a lot of attitude, looks like they bring me business not me

Used debit card for 4 small transactions over a period of several days. They appeared as pending. I tracked remaining funds but miscalculated by less than $6 when a check was presented for over $100. The transactions were rearranged, largest to smallest and posted on the same day. Of course the last transaction I did for $100 was posted first, creating 4 NSF charges. This snowballed as I deposited funds to cover these charges as others were being posted. My available funds couldn't keep up with the rearranging of all my transactions and additional fees piled on and in a period of 3 weeks, accrued $560 in NSF charges. Granted, I made an error one ONE transaction but does that justify rearranging the transactions to maximize their profits at the risk of my financial ruin? I researched and discovered this is a common practice of BOA as well as other large banks to maximize their profits. It is one of the many issues currently being looked at by our government but as we all know, any real changes or reform on Wall Street has been a long time coming and will not happen overnight. There is a committee formed by a legal firm looking into filing a class action suit against BOA for these practices. Log on to www.bank-overdraft.com and post your name and complaint. The more cases their are, the sooner we can proceed.

I would like to file a complaint against Bank of America. We have contacted them numerous times to apply payments that were made on our mortgage. We have over $5000 that is being held in suspense on a mortgage with an $861 monthly payment. This started when we opted to make weekly payments last year on our account. The payments were not applied correctly and we were charged late fees. We could not get anyone to resolve the matter, so we reverted to the regular monthly payment. Since then they have held all of the payments in suspense and have reported that we are in arrears on the mortgage. We have made several more contacts to Bank of America to have this situation resolved, but to no avail. We are in the process of selling this property and now fear that when the mortgage is paid off, that Bank of America will collect hundreds of dollars of late fees and interest that are not justified. In addition, this situation is affecting our credit rating. We would like assistance in dealing with the bank. Surely there must be laws to protect us in this matter.
We have followed and official complaint with the Office of the Comptroller of the Currencey. I urge any other consumers who have experience this outrage to file a complaint.