• Report: #506506

Complaint Review: Bank Of America - BofA

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  • Submitted: Thu, October 08, 2009
  • Updated: Tue, October 18, 2011

  • Reported By: Sweetsue — Raleigh North Carolina USA
Bank Of America - BofA
www.bankofamerica.com Internet United States of America

Bank Of America - BofA Bend over America Bank of America Continues to Rip Off Working Class Citizens Internet

*Consumer Comment: MOB SONG 8

*Consumer Comment: Sweetsue, Feel free to.......

*Consumer Comment: SweetSue, There are Police in full riot gear.....

*Consumer Comment: Sweetsue,

*Consumer Comment: Same Old Whining From Someone Who Won't Manage Their Own Account!

*Consumer Comment: MOB SONG 3.....

*Consumer Comment: MOB SONG 3.....

*Consumer Comment: Research the laws - but don't do biz with BofA

*Consumer Comment: MOB SONG 2

*Consumer Comment: MOB POEM 3.....

*Consumer Comment: Sweetsue, If you decide to protest against BofA do it peacefully. 'Google' this- YOUTUBE G20 PITTSBURGH PROTESTS- INNOCENT BYSTANDERS TRAPPED, and watch...

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Bank of America continues to charge NSF fees on an account that never went negative. Bank of America continues these illegal practices in order to increase profits at the expense of the working people that support your bank!

This is a disgusting practice and by the looks of it there are many angered people that are sick and tired of sitting around while BoA continues to steal from the very people that keep you afloat! I will bless the day when it all comes to an end and the ones on top lose their pot of gold and are shown for what they really are, thieves and crooks! I have been with BofA for 9 years and have my mortgage there as well, but like many others I am taking my business elsewhere. "Wealthy customers" do not support BoA but us working class do. BoA takes charges out of an account according to amount (highest to lowest) and not in the order they were made in order to charge as many as 10 NSF charges a day!!. This in many cases causes multiple NSF fees that should not have been there to begin with, in this case my account did not go negative!!! So BoA DID NOT have to put up any money that wasn't mine!!! I hope BoA finds good use for my $35, maybe it will go to the Ken Lewis pension fund!!

The above email was sent on 10/05/09 but the following has happened in the last 3 days. It is no longer $35 but $420 in fees have been charged to my checking account and there have been no new transactions since this was discovered on the 5th!

I have emailed the local branch manager in Raleigh NC James Ungar and he chose not to respond Monday or Tuesday and Wednesday he deleted my email without reading it. I have also emailed Brian.Moynihan with no response.I have filed complaints with the FTC,OCC and the SEIU but the bottom line is this. My children can't eat, I can't get gas, I can't let my paycheck be deposited in to this account because Bank Of America will steal what I have.

Those few that sit on top of the world making +$800k and find a reason to shift the blame of this disgrace on those many of us that work for our family and count our pennies. BofA takes the bailout money that my children and grandchildren will have to continue to pay off but that isn't enough they also want my grocery money to add to BofA bottom line! Those in power to change things don't know what it is to live paycheck to paycheck and probably never will, but I pray that greed hasn't taken over the conscious of our Bank Executives and Political desiocion makers.

 I have now been charged 3 more NSF charges today because of the negative balance brought on from BofA Fees, I am sure I will get 2 more because that is the daily allowance. I would have been $40 overdrawn + $35 NSF total -$75 but now I am -$476.84 How can this continue? I know that Bend over America will not stop this injustice so I will dry my tears and find someone out there to listen and bring this craziness to the public and make it stop.

This will follow me as if I actually spent this money, but I will not deposit a dime in this account so that they can take it. I will however pay the $75 and part ways when these charges are cleared from this account.


This report was posted on Ripoff Report on 10/08/2009 03:59 PM and is a permanent record located here: http://www.ripoffreport.com/r/Bank-Of-America-BofA/internet/Bank-Of-America-BofA-Bend-over-America-Bank-of-America-Continues-to-Rip-Off-Working-Cla-506506. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

MOB SONG 8

AUTHOR: Karl - (USA)

OCCUPY WALL STREET EXPOSE THE MOB
(Please sing to the tune of- "Over The River And Through The Woods")

Anyone can 'Google' this- DIVERSI- TUNE MIDI FILES, and scroll down to 'Miscellaneous Songs' and click on 'Over The River And Through The Woods' and sing the following lyrics to that tune, right?

Here we go- 1, 2, 3, 4....

Occupy Wall Street expose the mob
Make every bank stock go down
Fourth quarter is here, let's all shout and cheer
We'll make every big-shot frown.

Occupy Wall Street expose the crooks
Tell Charlie and call aunt Flo
We'll sing the 'Mob Song 8', my friends
By March the Dow Jones will blow.

Occupy D.C. expose goofballs
We know they work for the Fed
Tell Becky and Kate, it's never too late
Text Jethro and call Jed.

More songs are coming please spread the word
A total of twenty-five
The web is the way, sing songs each day
Speak-out and you'll feel alive.

Occupy Wall Street and don't give-up
The mobsters cannot hide
We know who they are, I'm playin' guitar
I'll play it loud outside.

Occupy Wall Street and sell your stocks
We know it's a giant scam
Text Arthur and Jane, and Cynthia
Skype Martha and Uncle Sam.

Occupy Wall Street expose the crooks
Make all of those stocks go down
Fourth quarter is here, let's all have a beer
The mob don't own this town.

Occupy Wall Street expose the mob
Text Rita and please tell Joe
I'll write these 'Mob Songs' every day
By March the Dow Jones will blow!

End.

Anyone can 'Google' this- THE ASCENT OF MONEY PBS, and watch the episode entitled- 'Bonds of War' on the web. It appears that history is being repeated. 

Thank You

"Knowledge is power."

POWER TO THE PEOPLE
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#2 Consumer Comment

Sweetsue, Feel free to.......

AUTHOR: Karl - (USA)

'Google' this- DOUGLAS REED- THE CONTROVERSY OF ZION- INDEX- SITE BY KNUD ERIKSEN, and click on Chapter 15 of that book, entitled- 'The Talmud And The Ghettoes' and read it at least three or four times, very slowly, until you understand it, okay?

It appears that all of this is happening right now in the USA and in Europe, wouldn't you agree?

Don't forget to scroll ahead to Chapter 17, entitled- 'The Destructive Mission' and read the first two or three pages of that chapter. It certainly seems as though history is being repeated. My hunch is that Jesus was exposing all of the big-shots 1,978 years ago, and the big-shots (jewish authorities) decided to have him arrested and put on trial for starting a movement against all of the fraud, greed, and corruption, that was taking place in 33 AD.

You can 'Google' this- SANHEDRIN TRIAL OF JESUS- WIKIPEDIA, and read more about his trial, okay?

Have a nice day.
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#3 Consumer Comment

SweetSue, There are Police in full riot gear.....

AUTHOR: Karl - (USA)

on the streets in Denver at 6:50 PM MST on October 15, 2011. (Mountain Standard Time)

People are protesting and it's on the News.

You can 'Google' this- RIOT POLICE STORM OCCUPY DENVER, and watch that video from yesterday October 14, 2011.

I'm headed back to the T.V. to watch it.

Have a nice weekend.

***POLITICIAN ALERT: Don't forget to type in the following at this site and read the Ripoff Reports for important information-

POLITICIAN
OBAMA
BUSH
CHENEY
CLINTON
REAGAN
US GOVERNMENT
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#4 Consumer Comment

Sweetsue,

AUTHOR: Karl - (USA)

Here is a quote that might help you to understand the banking system a bit better.

QUOTE: "Banking was conceived in iniquity and was born in sin. The bankers own the earth. Take it away from them, but leave them the power to create money, and with the flick of the pen they will create enough deposits to buy it back again. However, take away from them the power to create money and all the great fortunes like mine will disappear and they ought to disappear, for this would be a happier and better world to live in. But, if you wish to remain the slaves of bankers and pay the cost of your own slavery, let them continue to create money". - Josiah Stamp, former director of the Bank of England.

You can 'Google' this- JOSIAH STAMP- WIKIPEDIA, and read more about him. The above quote appears at that site.

Then 'Google' this- WHO OWNS THE FED?, and go to the site with the 5 charts and take a look at who sits at the top of 'Chart 1'.

'Iniquity' (definition) - 'Immoral or grossly unfair behavior. Injustice, wrong, evil, wickedness.'

Have a nice day.

P.S. If you stay at this site and type in 269041 you might be able to go to the consumer comments section at Ripoff Report #269041 and sing- "MOB SONG 4".
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#5 Consumer Comment

Same Old Whining From Someone Who Won't Manage Their Own Account!

AUTHOR: Jim - (USA)

The only reason...THE ONLY REASON you have NSF charges is because YOU continued to write checks or use an ATM card without having the slightest clue as to what your balance was when you used it!

What does your check register say?  You don't use one, do you.  Yes sir, its the same old cry and whine story from still another dummy who won't keep records and of course, its the fault of the bank, right?

You want to prevent this from happening?  Then its very, very simple, assuming of course, you actually do know how to add and subtract.  You keep a written record of every ATM card usage and check you wrote.  You subtract the amount from the balance right then and there and you keep a running total.  You add deposits ONLY when the bank's records say its been posted.  Following this practice will give you the MOST ACCURATE balance in the universe.  Before you use the card, you check your balance to see if you have enough money in the account.  That's how people used to do it before the days of so-called on line banking and telephone information.

So then...you now have the opportunity to say good bye to NSF fees by PROPERLY MANAGING you own checking account as described above, or you can write back and call me whatever name makes you feel good and continue to rack up NSF fees.  The choice is yours.

No, I don't work for them.
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#6 Consumer Comment

MOB SONG 3.....

AUTHOR: Karl - (USA)

was submitted at this website on October 12, 2011.

Just stay at this site and type in- TOYOTA, to see if it is available in the consumer comments section at Ripoff Report #271771.

Thank You

***BANK CD ALERT: Don't forget to type in 453956 at this site and read Jim's Ripoff Report for valuable information if you have money invested in a CD at any of the publicly held banks in America, like Wells Fargo.
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#7 Consumer Comment

MOB SONG 3.....

AUTHOR: Karl - (USA)

will be to the tune of a Christmas song, just like all twenty-five "MOB SONGS" that will be submitted at this website until December 25, 2011.

Anyone can stay at this site and type in 271771 and go to the consumer comments section at Ripoff Report #271771 to see if "MOB SONG 3" is available.

Thank You

***POLITICIAN ALERT: Don't forget to stay at this site and type in all of the following and read the Ripoff Reports for important information-

POLITICIAN
OBAMA
BUSH
CHENEY
CLINTON
REAGAN

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#8 Consumer Comment

Research the laws - but don't do biz with BofA

AUTHOR: Tagurit - (USA)

I believe there are laws that prohibit BofA from charging NSF fees on top of and as a result of their own NSF fees - in other words they can't create a new NSF fee that results from their own NSF fee.

Meanwhile I'll relate my story to you - and why I'll never do business with this company.  I had a loan with Countrywide that was assumed by BofA.  No problem.  I had my mortgage payment auto withdrawl set up so that my payment was split in 2 and paid on the 1st and 15th of each month automatically.  Great - never late no problems.

Middle of this year I think hey rates are really low I should refinance.   So I refinance with Quicken Loans - everything is going great but it goes down to the wire last minute.  I get a call the day before from Qucken that we can in fact close next day - which is also the 1st of the month and when half of my mortgage payment is due.   I call BofA to cancel the autodraft since Quiken will be assuming the loan and the paperwork will get to BofA before the 15th.   And, since the payment on the 1st will technically be an overpayment as the payoff amount from Quicken covers this payment.

BofA agent assures me my auto draft will be cancelled.   Fantastic so I make a big payment on my credit card to pay off my balance in full which I do every month.

2 days later I see that BofA went ahead and drafted my account for half my mortgage payment on the 1st.   So I call the bank and ask WTF I need you to return my money.  They say well you shouldn't have expected us not to draft it if you call the day before.  I said fine then why did your agent ASSURE me this would be taken care of - if she had said hey I'm not sure that will work I would have been OK with that and not paid off my credit card thereby depleting my bank account funds and putting me in a position of not having enough cash on hand to cover other bills due. They say I have to prove it cleared my account so I fax them a copy of my account off of the internet showing the transaction and my running balance.   No response for several days.  I call back again - this isn't sufficient evidence they say.  I ask why can't you check on your end - this was an autodraft so it's going ACH and you should see it on your end - well apparently they can't do that - can you BELIEVE THAT.  How stupid - they can't prove the payment cleared on their end - bullshit.  They can - just ask all those people who are late on payments  - BofA knows ALL about those payments.   Turns out BofA wants my month end bank statement - which is 45 days later.   What a crock.   So I have to get my bank on the phone on a conference call with the agent from BofA to ensure they can agree on what is needed from my bank to prove the payment has cleared.   Agreement is reached that my bank can fax a letter from them on their letterhead stating the amount cleared on their end.   This gets faxed.   Still no answer.   I call BofA - they can't find the fax - never mind that it was sent to the correct fax.   So, I ask my bank to send it to me so I can send it to them AGAIN.   By this time the Quicken refinance loan has cleared and the entire mortgage is paid off with BofA so they can't give me the amount back they have to now issue a credit for the excess balance on the account which is a credit due to my overpayment - this of course now requires additional weeks to process.   Bottom line 4 freakin weeks later I get my money back.  Meanwhile I had to take a cash advance out on my CC to make sure my car payment was covered and I came close to NSFs on other charges all because they pulled this BS on me.   I cannot imagine what would have happened to someone else who didn't have alternate financial resources that I did to cover their mistake.

They did this for one reason only - they wanted to hold on to MY money so they could accumulate interest on it.

I will NEVER do business with them again.
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#9 Consumer Comment

MOB SONG 2

AUTHOR: Karl - (USA)

O BANKER GOONS
(Please sing to the tune of- "O Christmas Tree")

Anyone can 'Google' this- SING A LONG CHRISTMAS CAROLS, and click on 'O Christmas Tree' and sing the following lyrics to that tune, right?

Here we go- 1, 2, 3...

O bankers goons! O banker goons!
The mobsters are so happy.
O banker goons! O banker goons!
Most people feeling crappy.
You took their homes, destroyed their lives
They don't have jobs, winter arrives.
O banker goons! O banker goons!
The people are now Googling!

(Keep Repeating)

Anyone can 'Google' this- ERIC CANTOR CALLS OCCUPY WALL STREET PROTESTERS A 'MOB', and read the related articles on the web.

Don't forget to 'Google' this- ERIC CANTOR- WIKIPEDIA, and read more about him.

Finally, make sure to 'Google' this- WHO CONTROLS THE UNITED STATES ECONOMY BY MAJORITY 2010, and watch that video on the web.

Thank You

"Knowledge is power."

POWER TO THE PEOPLE
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#10 Consumer Comment

MOB POEM 3.....

AUTHOR: Karl - (USA)

will be submitted soon at this website!

Thank You

***MORTGAGE ALERT: Don't forget to stay at this site and type in the following and read the Ripoff Reports for valuable information if you have a mortgage in the USA-

MERRILL LYNCH
LITTON LOAN
GOLDMAN SACHS
INDYMAC
LEHMAN
PHH MORTGAGE
COUNTRYWIDE
ONE WEST BANK
GMAC
WELLS FARGO 
BANK OF AMERICA
CHASE
MORGAN STANLEY
HAMP
MODIFICATION
MORTGAGE
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#11 Consumer Comment

Sweetsue, If you decide to protest against BofA do it peacefully. 'Google' this- YOUTUBE G20 PITTSBURGH PROTESTS- INNOCENT BYSTANDERS TRAPPED, and watch...

AUTHOR: Karl - (U.S.A.)

what could happen if people protest outside.

It's best to PROTEST on the WORLDWIDE WEB.

Quote: "There is no way to peace. Peace is the way." - Mahatma Gandhi

Namaste.
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