I used western union to send money overseas on my Bank Of America Credit Card and was surprised that Bank Of america charged me $10 for cash advance. I disputed but to no avail
Horrible Bank, ripping of customers

Current Transcript of the Chat SessionWelcome to an online chat session at Bank of America. Please hold while we connect you to the next available Bank of America Online Banking Specialist. Your chat may be monitored and recorded for quality purposes. Your current wait time is approximately 0 minutes. You are currently 1 in queue. Thank you for your patience. Thank you for choosing Bank of America. You are now being connected to a Bank of America Online Banking Specialist. Amanda: Hello, my name is Amanda. Thank you for being a valued customer of Bank of America. I'm here to assist you with your personal accounts today. Amanda: May I have your complete name as it appear on your account and the last four digits of your account number? You: Amanda: Thank you, Cristy. Amanda: How are you doing today? You: I had 2 overdraft fees assessed for activity on 3/27 when my account wasn't in the negative which then caused another downward effect for more charges. I thuink that this is absolutely obsurd. As soon as it is all cleared up I am going to cease my business with Bank of America. Amanda: I understand your concern is regarding the fees. Amanda: Please do not worry, we are always with you. Amanda: Please give me a moment while I access your account. Amanda: I am checking the information for you, please give me a moment. You: This all started with the bank cashing 4 checks a day before payday. That there was already 140 dollars in overdraft. The agent would only credit one so I contacted consumer affairs for a through investigation into these practices. My account seems to change in the banks best interest. I can't afford to feed my eight children and control the bank deficits. Amanda: Thank you for waiting. I'll be with you in just a moment. Amanda: I absolutely understand your situation. Amanda: Please do not worry, we are always with you. Amanda: Thank you for your patience. Amanda: I have checked your account information. Amanda: I apologize for the delay. My system was stuck. Amanda: One moment please. Amanda: Thank you for your patience. You: are you still there? Amanda: Yes. Amanda: I sincerely apologize for the inconvenience. Amanda: XXXXXXXXXXX Amanda: I apologize for the typo error. Amanda: My system was stuck. You: and now? Amanda: I see that the starting balance in your account on 3/27/09 was $302.69. Amanda: There was an authorization hold in the amount of $121.19 which reduced your available balance to $181.50. Amanda: Then transactions in the amount of $100.00, $50.00 were posted reducing the balance to $31.50 Amanda: Further transactions in the amount of $40.00 and $20.00 were posted, which overdrew your account. Amanda: Therefore, the overdraft fees were assessed. You: Then it wasnt paid until 3 days later How convienient for more fees on the banks part. Amanda: I absolutely understand your situatio.n. Amanda: I apologize for the typo error. Amanda: I absolutely understand your situation. Amanda: You are unable to see the account overdrawn on the transaction list as it does not include authorization holds. However, when you click on the description of the overdraft fee, you will get a pop up reading as 'How did the fee occur?'. Please click on the link and it will show the reason of the fee being assessed. You: At the time of the debits my account wasnt in the negative . I thought the purpose for on line banking was for accuracy. i am held to the higher standard of paying debits 24 seven but yet a bank doesnt deposit except for during business hours and sometimes not after 200 You: this is like 1000 percent on the loan amount. You: did Obamas stimulus not stimulate the bank. Now they resort to stealing from their customers. Amanda: I sincerely apologize for the inconvenience. Amanda: I would have felt the same way! Amanda: Let me check what best I can do for you. You: I will take this back to consumer affairs and let them handle it. While I am at it I think I will seek the advise of an attorney. Overdraft fees in excess of 900 dollars over the past year for paying on holidays and not crediting then paying before the pay date and now just for whatever. Amanda: Thank you for your patience, I will be right with you. Amanda: I absolutely understand your concern. Amanda: I am checking with my supervisor. Amanda: One moment please. You: I would have made another deposit had my account accurately painted a picture. I placed the money in another bank so that I can get rid of this account. Amanda: I understand. Amanda: Thank you for your patience. Amanda: After reviewing your account history and discussing the same with my supervisor, as the fees were assessed correctly, I will not be able to provide you with a refund. Amanda: Are you still with me? Please respond. You: lI am entering a complaint on ripoff report .com Thanks for trying to help. You just work for a crook. Amanda: I sincerely apologize for the inconvenience. Amanda: I tried my best. Amanda: let me once again try convincing my supervisor. Amanda: I have put all my efforts that I can to look for a refund for you. Amanda: But, I am sincerely apologizing as I am unable to refund the fee. You: thanks anyway Amanda: Only for you I tried my best. Amanda: I sincerely apologize for the inconvenience and I hope you understand my situation in this matter. Last text message receivedAmanda: Is there anything else I may assist you with today? I am closing my account and recommend that all others do the same. If there is a lawyer out there that will take this to class action I am ready. I am sure that with over 1400 people filing a report that it should have some worth...Tired of being screwed. I don't make enough to spend all of my time trying to fix bank errors. Besides it will always turn into my fault no matter what. Like for instance . Online bill pay. payments set to come out on the 26th of March( I pay these every two weeks) 4 payments were cashed a day before payday and I was told. ' Well you should have your money in the bank 5 days before you want the bills paid' Why have bill pay then?

Bank of America put a 10 day hold on my payroll check from Macy's for $226 because Asha, employee number 1149 who is a Supervisor on the Customer Service line said that she couldn't find proof that it was a payroll check. What the fuck other reason would Macy's give ME money for? I looked at a copy of my check and it does say payroll on it. She is a liar and basically told me to get over it. I will be writing a formal complaint as well. Don't do business with BofA and jf you call Customer service, make sure you don't speak with Asha. She is rude, a liar, and will be no help.

This 'Bank' has apparently resorted to theft to fix their economic woes. BofA hit me 6 times for almost $200.00 in fees in 2 days. I saw there were a couple small charges pending (NOT POSTED) the evening prior, so I online transferred $ to more than cover them. Got hit with (2) $25.00 fees on the next day anyway. Those 2 fees pulled my account down so 2 more went NSF. They then charged me $35.00 each for those 2. Total of $140.00 overnight. I called the 1-800 number and plead my case - got $60.00 refunded. I was still pissed, but at least I got some $ back. This gets better, though. Knowing that I had 2 new charges on the way, I immediately went to the local branch and deposited cash in that account and added more cash still to the account that covers overdrafts. The teller saw two more charges coming, and said nothing. Logged on today to find 2 more $35.00 charges for those 2. AND THE MONEY WAS THERE! They said 'those charges were from the day before, and the money you deposited wasn't there then, even though it didn't post until today'. WHAT?!! I called 1-800 and lost it - got nowhere. I called back and tried with another rep - got nowhere again. Tried a third time, and viola, got my $70.00 back. Folks, just keep calling them until you get success. Also, call the business number for customer assistance, there is no cue line to wait in, and the business account reps will help you with your personal accounts if you have a business account. This is a total scam - We have absolutely no proof as to when a charge is going to be posted to our accounts from a check card. The bank is in total control as to when these hit, and and they 'claim' that they have no control over when the vendors submit the charges. When they see a situation where their pulling money to cover NSF fees will result in a chain reaction of NSF's and more fees, they do it. This is a recent thing - I used to transfer money online to cover these issues, and was never charged NSF's before as long as I transferred money to cover them while they showed PENDING. I see the reports just like mine coming from everywhere, and it looks ripe for a class-action lawsuit to me. Better yet, spread the word that BofA will steal your money to every friend and relative you have, close your accounts and move your money to a local bank that does not take government bailout money. And call Clark Howard! I just did, maybe if enough people call him, he'll air their dirty laundry NATIONWIDE. They deserve it.

On May 2 11:59pm I had downloaded my account from BofA for my Microsoft Money program and received a message "The time period you have requested to download has no posted transactions “on top of the page. At 2:00am on the 3rd of May I received the same message. On the morning of May 3rd at 9:00am I logged in to my account to see if my paycheck has arrived, there was a post of a bank check I wrote from a few days back posted marked the 2nd that was not there at 2am, then all the debit card purchases I made prior when the money was there had been posted afterwards, making my account that much more in the red..I called BofA concerning the post and the fees that have occur on my account.
The rep told me that I would not see the posts and would not have access to that info at the time I requested the download. I asked her, " You mean on 5/2/2011 at 11:59pm PT, the page I'm downloading is marked 5/3/2011, all posts on the 2nd is incomplete?! She replied yes. Then I asked her what about at 2am on 5/3/2011? She gave me the same answer. I find this utterly profound. For the last 4yrs I would try to balance my money program to match the account from Bofa, constantly searching for errors with the final solution is to apply the adjustment. Then later find the error was Bofa. Plus the image of the back of the checks they posts is hard to read. I phoned BofA concerned of an ATM deposit still pending when transactions posted was dated later and was told the ATM I used for the deposit are not credited to my account for 2-3days, even when I can see the deposit pending posts online on my home computer, minutes after the transaction.
My Chase account doesn't have this problem. Bofa seems to change the account posting procedures to their preference. Next to the spending of gas, BofA fees ranks 2nd. I have reports from 2009- 2011. Plus I have several backups of prior years that I had to abandon from the program due to the errors.