Bank of America Military Banking ripoff Fort Campbell Fort Campbell

BANK OF AMERICA IS BAD

Yes you really can NOT trust bank of americe.

if you bank with bank of america or a bank they acquired please check your bank statements to see how much the stole from you.

Living Paycheck To Paycheck, soldier of the 101st Airborne Div 501st Signal Co

I was a soldier of the 101st Airborne Div 501st Signal Co. back in 1999. I banked and still do bank at the military B of A there. I never had a problem with NSF fees or the like that was displayed in the above statement.

Ive been in financing for a period since ive been out of the military and have seen stuff like this all the time. We never have problems with people who consistantly keep a positive balance in thier account. But when you have someone who consistantly spends every penny they have and don't balance thier checkbook you run into this situation. Its not the random person that walks into the bank that says you jacked up my account its the same people who have a history of bad spending. Im not saying Keisha is one of these people but you are saying you have a history of it. Maybe you should try online banking and keep better track of your money, it is free ya know.

p.s. I still have one problem with military banking though, you cant go to a regular B of A and check on your account status. They are on seperate systems. They mentioned that back in 1999 that they were about to fix that, its the middle of 2004 and still a no-go. For that they still need to be on this website.

gabriel, a lot of problems within that banking system.

Gabriel
thank you for your response to my report on bank of america. There are a lot of problems within that banking system. Unfortunately a lot of soldiers do not know where to turn or who to talk to when their account takes the wrong turn. I recently talked to an old buddy of mine and he, himself had to terminate his services with b of a because fo missing money. Everyone doesnt spend all their money and trust I balance my check book just fine. I currently bank with us bank and have yet to encounter the same problems that i had with b of a . Its kind of funny how b ank tellers and banking officials are in denial about the mishaps that goes on in banks until they see it for themselves or they get let go. thank you signal soldier

List of bad businesses...

This is for all military personnel. If you have problems with local businesses or banking institutions, please keep records of all the times you have had problems and the nature of them and report them to your local military JAG office. Every military base has a list of local and national businesses in which soldiers should avoid due to excessive complaints involving overcharges, fraud, extortion and other criminal behavior. This list is to be part of the inprocessing brief for every soldier. If your commander neglected to give you the list or if you neglected to get one, please contact your local JAG office.

This list is for the soldiers protection.

I hope this helps.

Spending more than you have causes fees

OK, I understand that everyone thinks that because a bank charges you fees that it is a ripoff. Well, I used to have the same mentality until I got educated. I have been a customer of bofa for over 7 years and now i am an employee. I see customers that call in everyday crying because they dont manage their accounts and when we do assess fees you think that we should extend the courtesy to you. Yes, I can see on one, maybe two occasions. But if you are overdrawing your accounts anywhere from 3+ times or more (I have seen as high as 54 times in a 365 day period), then you definately have a problem. And loyalty does not always mean that we are going to roll over and fetch for you. We assess the fees because it is a part of our business and if we didn't we would be a non profit organization. We give you the information when you open your accounts, it's posted online, in the banks, even on the atms. If you chose not to read it, then dont say we didn't tell you. It's not rocket science. Basic addition and subtraction. If you dont have it, dont spend it. Yes, there are cutoff times that everything needs to be done by a certain time. We are not going to wait until you are able to make a deposit to process an item. If a plane leaves at a certain time and you are not there, you have to catch the next flight. As far as stop pays are concerned, we dont guarantee that something will be stopped because if company's send something through for a different amount or different name, then how are we supposed to stop it? I am not saying that we are error free, but we do correct any issue that we have caused. But dont think that because something doesn't happen in your favor that it is a bank error. We offer you alternatives such as overdraft protection, online banking, automated system, 24 hour customer service. And if you can't do any of those a simple register would solve all of your fee problems. It's up to you as a customer to make sure that you know what's in your account. It is your money. Why not keep track of it? Realize that businesses dont stay in business because they give everything away for free. I am sure your basic utilities wouldn't be on if you got them for free. We are a business. We offer you a service. You pay us. How much you choose to pay is your decision. I dont want to demean anyone here, but in defense of my company and the services that we provide, you as a customer have to take some responsibility in managing your own finances. And running to another bank is not going to solve the problem either unless you change your management skills. Trust me in the long run you will owe less to us and have more in your account.

At what point does it become the customer's responsibility to manage there own acct?

There are alot of customers that make it a habit of overdrawing there account. It is your responsibility as the customer to keep track of our own account its not the bank's job to keep track of your account. Why does the bank have to keep track of your money for you? If you dont want OD fees or NSF fees, then dont' be spending money you don't have.

TAKING CONTROL We cash checks for our customers all the time

As an employee of Bank of America, I am responding to your complaints regarding overdraft fees, and our $5.00, non-customer check cashing fees. As a banker for 28 years , I have consistantly seen the same customers repeatedly bouncing checks with no reagards to ever keeping a balance in their account.

The bank has also stood by reversing or correting any fees or errors on clients account. But its pretty frustating to see customers repeatedly bouuncing checks, and think the bank should reverse all of their fees, for basically not knowing how to handle a bank account.

With reference to $5.00 non customer check cashing fees. We order and supply cas based on our customers accounts. The problem usually is that if you go to your own bank , you probably will have a hold placed as your also are not handleing your account in a correct manner.

If you bank at a competitor bank, go to you own bank to cash the check. We cash checks for our customers all the time. The bottom line is, how do want to bank with????

Request An Audit Of Your Account

Wife works at a local credit union and they are more than glad to review your account. If you were over charged fees your account should be refunded those fees. If you didn't have the money in the bank pay the fees. Due to gov. mandates, almost everyone who receives gov. funds is required to direct deposit. Every gov.(not military) payday hundreds, thousands of customers arrive and withdrawl all but $5 out of their accounts in cash. The banks are required to maintain and send out statements to all those customers with only $5 in their accounts'. Isn't there a credit union on post?