November of 2008 There was a charge made on my ATM at an Arco gas station at 5am that made me go over (negative), but my card was in my wallet and my pin # was used. I went to a BofA branch, my card was cut up and a new one given to me and all the charges were reversed while they did their investigation. A few weeks later bank of america check card fraud said that my claim was denied because my pin and card were used to make the transaction therefore it was valid use of my atm card. I made a police report and in may of 2009 my account was charged off and now in collections even though theres a pending investigation with the P.D. I called check card fraud again and I asked the lady "michelle" if i can prove that it wasn't me who made that charge if they would reverse all the fees and contact the credit bureaus to clear that up and she said no, that it was basically now my problem to fix and I would still have to pay the amount owed. Who are these people? its $45 that was charge and two overdraft fees, but i am not going to pay for something im not and shouldn't be responsible for. Bank of America is stealing from people and someone needs to stop them.

Since CounrtyWide went out of business last year Bank of America has taken over. In the past 6 months my mortgage has gone up $350.00 dollars a month, and they did it without notification sent to me. Being upset about what is going on, I called Bank of America to discuss why? First I get a person that can't speak any english trying to explain to me why it was going up 350.00. So I hung up on him, and dialed back back in. In hopes of getting someone who I can understand. Luckily I did. We started to discuss why my mortgage went up 350.00 per month. Supposeably they re-assesed my town taxes on the house. Which was ok, because I had been asking CountryWide to do this since day one. But because I had been short for so long in my esgrow because of CounrtyWide which I was caught up with, they wanted me to pay ahead for any shortages that I may inccur within the year due to be deliquient with CounrtyWide. I said NO take that off, but I couldn't take it off totally, I still get charged 18.00 per month. My mortgage is pretty high for one person to pay, and here it is again, and now they want to raise my mortgage again. They sent a notice this time that they are anticipating my taxes, and insurance are going up this year. I find this rediculous, because they keep raising my mortgage premuturely, and the cost keeps going higher and higher, and no-one to help us. No wonder people under Back of America are forclosing on their home. Now my choice is to hopefully re-finance my home, if not it may go into forclosure. Thanks BAC!

Bank of America is charging to cash their own checks if you don't have an account with them 6 bucks what a rip off, then the teller ask would you like to open an account, they will never get my business. Folks please bank at your local credit unions don't full people like these pockets with your hard earn dollars.

I had a checking and savings account with Bank of America which I opened 3 years ago when I worked in the United States. Every month since then, BOA will automatically transfer 25bucks from my checking to savings account. So recently when I visited United States for a vacation, I had the intention to spend the remaining balance in my BOA accounts.

As I was heading to Salt Lake City during the first part of my trip and unfortunately BOA doesn't really function in SLC, I had to transfer funds from my savings to my checking account since there was nothing left in my checking account. However, BOA only allowed me to withdraw a maximum of $500 per day. Left with no choice, I tried to curb my spending but unfortunately, I overspent on the last day. I went online to check the statements to find out if there'll be any charges incurred because of that. To my surprise, the bank only automatically transferred funds from my savings to checking account to fill up the deficit in the checking account and I did not see any charges incurred. Hence, I assumed that BOA will just automatically transfer the funds for me and didn't bother to go to the ATM machine to do any transfer of funds on my own.

The next day I left SLC and was in LA without any internet access. I continued to make purchases using my debit card. As I was on a packaged tour in LA, I'd no time to visit the banking center. So on the last day of my trip, I went to the ATM machine with the intention of checking my balance and withdrawing the full amount. I also wanted to print the transactions statement just to be sure that all transactions I've made were reflected accurately. I thought that a reputable bank like BOA would offer such a service but NO. The ATM machine doesn't allow me to print my transactions statement! And because of that, I have to assume that BOA, like all other banks in my home country Singapore, will withhold the amount from any pending transactions and reflect only the actual balance after deducting these pending transactions. I saw a balance of $164.48 in my savings account and withdrew $160. I thought that will be the end of the story.

When I returned to Singapore 2 days later, I went online to check my transactions just to see how much I've spent in total and to email the customer service that I wish to terminate my accounts. To my horror, I saw a deficit of $56! On further check, I realized that I've been charged for the overdraft protection fees ($10 each) on 4 occasions when the bank did the 'automatic' transfer of funds from my savings to checking account. Remembered I actually went online to check if I'd incur any charges for overspending the balance in my checking account? Yes the overdraft fee came only 2 days later and by that time I was already in LA and as I've mentioned, I'd no internet access nor the time to visit the banking center. I'm appalled to know that the bank has charged me on something that I wasn't aware of. Is it my mistake to spend within the overall balance in my accounts?

And the worst thing is, I discovered the bank hadn't cleared all the transactions and had not reflected the actual balance in my account on the day when I went to withdraw the remaining funds in my account. And because of that, I was told I withdrawn more than the balance in my account and was charged a further $35. This is RIDICULOUS! How can the bank allow something like that to happen?

I did an online chat with the customer service to explain about my situation but was frustrated as the personnel was of no help at all and kept insisting that they'd found no bank error. I was told I had to wire transfer $56 to fill up the deficit before I can close my accounts. And there'll be another $35 charged if I do not do so within 6 days.

This whole situation is clearly not my fault as firstly, the bank had not informed me about the overdraft protection fee – I do not need this feature in my account as I am only spending within the limits of my OWN money! It is ridiculous that I’ve to pay $10 for this so-called “automatic” transfer of funds. Secondly, the bank doesn’t offer a comprehensive list of services at the ATM machine. I can’t even print my transactions statement so how was I supposed to know whether there are still pending transactions? And lastly, the bank did not reflect the actual balance in my accounts. I see $164.48 in my balance and only withdrew $160. I wouldn’t have withdrawn that amount if only the bank had reflected my ACTUAL balance.

Now that I’ve already left US, it made it even harder for me to settle the issue with BOA. I even emailed the customer service in hope that they can assist in waiving these unnecessary charges but was told I’d to call as they couldn’t assist me via email. This entire episode is just absurd and a waste of my time and money.

Can anyone please advise me on how I should fight for my case?

Thanks,
Ying Ying

I just finished a business transaction at the Bank of America on 1950 E Camelback. I went outside and i was waiting for a friend to pick me up. I was dressed professionaly and I had a gym bag with wheels. Waiting-However, someone from the bank come outside didn't ask if I needed some help, they just went back inside of the Bank.
What happened next a police car showed up and asked me what I was doing. I informed them that I waiting for a find to come pick me up. The officer went inside and then two more arrived.
I feel that I was wrongfully harassed just because I was outside waiting for someone, I think someone should have asked me what I was doing before they call the police. Also I have account at Bank of America.
Randall Richard
4231 E. Grove ST.
phoenix, az 85040