Two months go Bank of America took $270 in overdraft fees when I was showing a positive balance. When I called them on this they reluctantly refunded the fees and informed me that 2 more were inbound that morning which a supervisor had to intercept. Last month when I was hit with three more fees I wasn't as lucky. I was overdrawn by $15 and deposited the money the next day. But I was too late. Because the deposit was made on a Saturday it didn't count. My purchases were made on a Thursday and Friday. 3 of them in the neighborhood of about $20 and a 4th for around $60. By keeping transactions in the "pending" purgatory they can clear the in any way they choose. The $60 transaction was cleared first (even though it was the last) so that the other three wouldn't clear and they got 3 overdraft fees instead of one.

I told Customer Service to remove the Overdraft Protection from my account. That if there wasn't enough money in my account when I used my debit card then just decline the transaction. Things were fine until about a week after Christmas. What they did (and are still doing) is such a convoluted mess that I have no idea how to sort it out. On three different days I transferred money from my savings to checking to cover purchases I was going to make. Two or three days after I made the 3rd transfer all 3 disappeared and were replaced by something called a "Misc. Adjustment" with that day's date, effectively taking away the funds I put there so that my purchases hadn't been covered and costing me a slew of overdraft charges. The strangest thing yet is that everyday, transactions would be rearranged from the day before and costing me even more in overdraft fees.

To date they are showing that I am over $1500 overdrawn with the lion's share of this being their overdraft fees. The way everything has been rearranged in their records doesn't even come close to the true dates, and it seems to change everyday! . I also have a deposit of $250 that's completely vanished. And you what? I don't know what to do about this.

I was 5 days late on making a payment on a $27.95 open balance. Bank of America charged me $1.50 finance charge AND a $29.00 late fee. I called about having the late fee waived or reduced and was told that was impossible. I immediately cancelled my account with Bank of America

Our account was placed on hold, which we discovered on a saturday morning only because our card was denied at a restaurant. After 45min on hold with customer service representative, we got no help. They didn't know why it was on hold and it looked like we still had all our money in our account (even though the automated information we heard first was that we were 800$ overdrawn). So we got told to call Risk Management. After being first disonnected with first representative, and sent to a voicemail that was defunct (after being told she was going to help me) by a second representative. I called Risk Management a third time. This representative was nice, but not anymore helpful than anyone else. He could not tell us why our account was on hold, only who did it. And that she, that one of THOUSANDS of employees at Bank of America, was the ONLY person who could take that hold off. And she was not back at work until Monday!! I was also told that there was noone else who could help me. That there were no managers there all weekend, and supervisor was going to tell me the same thing! Basically I was being told that there was absolutely nothing that they could do for the next 48hours. We were being penalized, being completely cut off from all of OUR funds, our money, our account, for 48hours, with no explanation, for NO reason! This is so ridiculous, so unnacceptable I was practically in tears by the time I got off the phone 2 hours later.

I am a senior visitor from Canada to this area and went to a Bank of America to withdraw $200.00. The machine read my card, asked for my pin number, asked if I wanted a receipt which I did not get and then handed back my card. I was suspicious, so phoned my bank to check and yes, Bank of America had removed the funds from my account. When I approached the service rep I was made to feel it was my fault, and I was to notify my bank to lodge a complaint. I pointed out to the lady it was their machine, but as of Jan 1/10 there are new rules in place. I informed my bank and they said they had never heard of the onus being put on them, but they will do what they can. Please, any people visiting this country, to spend your money and help a recession plagued country, be very careful of this bank!!! Maybe, we should just stay home and spend our hard earned savings therre

Our home loan was converted over from Country Wide Home Loan to Bank of America. We have been usuiong their bill payer system for years. However, payments made within the grace period of our loan are being created as late payments even though they are made within the terms of our loan. Late charges have been charged to us. When we called the Bank Of America Loan Service Department we are told we have a history of late payments. Then we were told we were only allowed one late payment in the duration of our loan.

We proved payments were made ontime by taking to a local Bank Of America and faxed information to the Bac Loan Service Department. We have been told by Bac Loan Services that they are unable to see our account. There is no person you can talk to at your local Bank Of America Branch to try to resolve any problems with your home loan. You can prove them that your payments were made until you are blue in the face and the customer service, supervisors, and managers will tell you they are unable to do anything for you.

Then you are asked to send a letter to a place called coorespondence with a P.O. Box so you can not serve them a registered letter. Because you are trying to get your business resolved yourself, the next time you call that you have not 3 late payments but 8 now.

You take all the dates and match them to your bill payer and find that you are within the time frame allowed on your loan. If you check when the payment was posted it could be 5-7 days later. However the monies were taken out of your account the same or next day that you made your payment. Bank Of America states to you that they are using the date your payment posts and creating a late history and charging you late fees.

Now because they posted your payment late, Bank Of America wants you to use money tranfer to make your payment. You could tell them that your current payment has been made from bill payer and they can not see what is going on. They will not believe you made the payment.

Within this conversation with Bank Of America, if you are lucky, they may wave one late fee and promise it to you in writtging. Don'/t count on anything you are told because you never will receive it. Instead you will get a letter1-2 months later requesting you to fax or send them all of your records so they may make a decision.

All the while they are building a late payment history using the dates the bank posted your payment. You may be a faithful honest person who pays their bills on time and the one time you need a late fee waved due to your cicumstances you will be treated like a dead beat debtor who does not pay their bills.

Ofcource while they have you on the phone they try to talk you into refinace with Bank of America. What person in their right mind would want to bank with all of the discussion above? We were a Country Wide Loan bought out by Bank Of America.

We believe they are creating late payment histories so if you tried to get a home loan/refinace they would use it against you and put you in a higher bracket of interest because of your late history. Their tatics are good for them and not good for the customer or home owner.

In this ecconomy you would think that Bank Of America would be glad to have someone who pays their loan on time. If a customer had one discression you would hope your loan institution would work with you. Not Bank Of America! Because we have lost most of our equity due to a failing ecconomy and foreclosure rate is as high as one in four homes you would think that banks would not want you to foreclose.

We have decided to allow our home back to the bank and let them loose their money on our home. We do not feel it is worth all the struggle with no cooperation from our lender. Big Fat Cat banks need people to give their homes back so they can loose their pants. Maybe if enough people give the homes back they will figure it out.

The Banks can give their CEO's giant bonuses and we the consumer paid for it. Not only their bonuses but when banks could not show a profit on their stocks and dividends Americans paid the 15% penality fees. The reason most us do not qualify for home modifications from banks is because now they tell us "Our bank has to use disrcretion". It is just yet another form of discrimination in America.

Future home buyers beware. Bank of America will be your nightmare!