• Report: #504415

Complaint Review: Bank Of America ,bankofamerica.com

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  • Submitted: Mon, October 05, 2009
  • Updated: Fri, November 02, 2012

  • Reported By: Chad — Cedar Park Texas USA
Bank Of America ,bankofamerica.com
100 North Tryon St Charlotte, North Carolina United States of America
  • Phone: 8004321000
  • Web:
  • Category: Banks

Bank Of America ,bankofamerica.com BOA Bank of America took advantage of my financial situation Charlotte, North Carolina

*Consumer Comment: Chad,

*Consumer Comment: Chad,

*Consumer Comment: Chad,

*Consumer Comment: Chad,

*Consumer Comment: *****WEST PALM BEACH ALERT:

*Consumer Comment: *****WEST PALM BEACH ALERT:

*Consumer Comment: *****COUNTDOWN TO WEST PALM BEACH: IN SIX MORE DAYS.......

*Consumer Comment: *****COUNTDOWN TO WEST PALM BEACH: IN TWO MORE WEEKS THE HIGHEST CONCENTRATION OF WEALTHY PEOPLE........

*Consumer Comment: *****COUNTDOWN TO WEST PALM BEACH: IN TWENTY-FIVE MORE DAYS THE WEALTHIEST INDIVIDUALS IN THE WORLD.........

*Consumer Comment: *****COUNTDOWN TO WEST PALM BEACH: IN TWENTY-SIX DAYS THE WEALTHIEST INDIVIDUALS IN THE WORLD WILL.......

*Consumer Comment: REG CC/ extended holds

*Consumer Comment: BANK OF AMERICA TOOK ADVANTAGE OF ITS EMPLOYEES TOO! Simply 'Google' this- BANK EXECUTIVES PROFITING ON THE DEATH OF EMPLOYEES, and read how BofA has $17 BILLION in 'secret life insurance policies'...

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This began dating back to August 24, 2009 when I got a check of $300 from my parents to help my financial situation. I deposited the money into my account, however 4 days later Bank of America informs me that they were only going to allow $100 of that to be deposited until they release the funds 2 weeks later because I had overdrafts before. This essentially punishes me even more than the overdraft fees they already charge. Isn't the object to get out of an overdraft to have more money in your account? On top of this, I already made plans to have a credit card payment come out of that account which after receiving this letter, I then realize I wouldnt have enough funds to cover the credit card payment.

Well I contacted Bank of America and I asked them about what would happen if I got overdrafted during this holding period because I wasn't aware of it. [continued below]....

..... They told me they would refund any fees that caused this. So during this time, I had my credit card payment returned twice, and then getting two NSF withdrawls of $35 and one extended overdraft of $35 to punish you even more. In addition, this made my credit card payment to the other company late when it would have otherwise been on time, having to fork in another $50 when right now I don't have money to just throw around.

September 11, 2009 after about 45 minutes of holding I contact them about the situation and the representative on the phone said that since the charge was because of a holding, they would refund the $105.

However on September 13, I look at my account online to show $15 was refunded, much different than the whole $105 I was promised. I contact the customer service and this gentlemen said the charge was legitimate and there was nothing he could do and I even explained that I was told I would get everything refunded.

This is typical Bank of America practice because I've had to contact them over the phone for other issues and you end up getting two different stories. I am hoping they can refund the rest of my money or else I will take my banking elsewhere.


This report was posted on Ripoff Report on 10/05/2009 07:54 AM and is a permanent record located here: http://www.ripoffreport.com/r/Bank-Of-America-bankofamericacom/Charlotte-North-Carolina-28255/Bank-Of-America-bankofamericacom-BOA-Bank-of-America-took-advantage-of-my-financial-situ-504415. 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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REBUTTALS & REPLIES:
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Updates & Rebuttals

#1 Consumer Comment

Chad,

AUTHOR: Karl - ()

In just three more days it will be April 1. It means that the highest concentration of the wealthiest individuals in the world will start leaving West Palm Beach, Florida, according to information that is available at this website. If you stay at this site and type in- STOP RUNNING RIPOFF, and click on Ripoff Report #269041 you can scroll down to Consumer Comment #3 and read the following-

Quote: "The highest concentration of wealthy individuals in the world reside in West Palm Beach, Florida, between the months of November and March." - August 21, 2007.

You can also type in 284134 at this website and click on Ripoff Report #284134 and read what is posted in Consumer Comment #1 for more information. I believe that the same thing was stated in that consumer comment which was posted on November 13, 2007.

Have a great weekend!
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#2 Consumer Comment

Chad,

AUTHOR: Karl - (USA)

If you stay at this site and type in- TAKING OUT SECRET LIFE INSURANCE POLICIES, and go to Ripoff Report #411913 and scroll down to 'Consumer Comment #48', you could sing a song about West Palm Beach.

It was posted two years ago on November 1, 2010
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#3 Consumer Comment

Chad,

AUTHOR: Karl - (USA)

Today is November 1, 2012.

It means that the highest concentration of wealthy individuals in the world will be residing in West Palm Beach, Florida over the next several months, right?

Just stay at this site and type in- MOB SONG 24, and go to Ripoff Report #269041. Then read what is posted in 'Consumer Comment #3', entitled "Blame it on a Lawyer".

I believe that paragraph six starts like this-

QUOTE: "The highest concentration of wealthy individuals in the world reside in West Palm Beach, Florida, between the months of November and March."

It's supposed to be a beautiful day today in West Palm Beach. Lots of sunshine and a high of 81 degrees. You can 'Google' this- WEST PALM BEACH WEATHER, and see the forecast for the rest of the week. I'll bet that many of the wealthy people who will be arriving in West Palm Beach today will be driving around in their Bentleys and Ferraris with the convertible tops down, wouldn't you agree?

Have a great day.
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#4 Consumer Comment

Chad,

AUTHOR: Karl - (USA)

In twenty-three more days it will be November 1, 2012. Many of the wealthiest individuals in the world will be headed down to West Palm Beach, Florida, according to a Harvard Business Professor.

Feel free to type in 269041 at this site and go to 'Consumer Comment #3' at Ripoff Report #269041, entitled "Blame it on a Lawyer" and read the following quote that starts paragraph #6.

QUOTE: "The highest concentration of wealthy individuals in the world reside in West Palm Beach, Florida, between the months of November and March."

Have a nice day.
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#5 Consumer Comment

*****WEST PALM BEACH ALERT:

AUTHOR: Karl - (USA)

Anyone can 'Google' this- WEST PALM BEACH WEATHER, and see that the high temperature was supposed to be 82 degrees on Tuesday with partly sunny skies and humidity of 74%, with winds from the East at 12 mph.

Thank You
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#6 Consumer Comment

*****WEST PALM BEACH ALERT:

AUTHOR: Karl - (USA)

Anyone can 'Google' this- WEST PALM BEACH WEATHER, and see that the high temperature was supposed to be 82 degrees on Tuesday with partly sunny skies and humidity of 74%, and winds out of the east at 12 mph.

Thank You
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#7 Consumer Comment

*****COUNTDOWN TO WEST PALM BEACH: IN SIX MORE DAYS.......

AUTHOR: Karl - (USA)

it will be November 1, 2011. 

Thank You

***MOB ALERT: "MOB SONG 12" was submitted at this website on October 26, 2011. Just type in 724174 at this site to see if it is available in the consumer comments section at Ripoff Report #724174.


POWER TO THE PEOPLE
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#8 Consumer Comment

*****COUNTDOWN TO WEST PALM BEACH: IN TWO MORE WEEKS THE HIGHEST CONCENTRATION OF WEALTHY PEOPLE........

AUTHOR: Karl - (USA)

in the world will start arriving at their mansions in West Palm Beach, Florida.

Anyone can type in 269041 at this site and go to 'Consumer Comment #3' at Ripoff Report #269041, entitled- "Blame it on a Lawyer" and read the following quote that starts paragraph #6:

QUOTE: "The highest concentration of wealthy individuals in the world reside in West Palm Beach, Florida, between the months of November and March." - August 21, 2007.

In two more weeks it will be November 1, 2011.

Thank You

WELCOME TO THE U.S. GOVERNMENT & WALL STREET- TWO BIG LIES THAT ARE BEING CONTROLLED BY THE FEDERAL RESERVE
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#9 Consumer Comment

*****COUNTDOWN TO WEST PALM BEACH: IN TWENTY-FIVE MORE DAYS THE WEALTHIEST INDIVIDUALS IN THE WORLD.........

AUTHOR: Karl - (USA)

who control the governments of the United States of America and Europe will be migrating to West Palm Beach, Florida.

Thank You

***LETTER ALERT: Don't forget to type in 563072 at this site and read Frank's letter, which appears in Ripoff Report #563072 and spread it all over the web at sites like Twitter & Facebook!
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#10 Consumer Comment

*****COUNTDOWN TO WEST PALM BEACH: IN TWENTY-SIX DAYS THE WEALTHIEST INDIVIDUALS IN THE WORLD WILL.......

AUTHOR: Karl - (USA)

start their migration to West Palm Beach, Florida.

Anyone can type in 269041 at this website and read what the Harvard Business Professor said to his class of executives back in late 2004, right?

Here is that quote that starts paragraph six in 'Consumer Comment #3' at Ripoff Report #269041, which was posted thirteen months BEFORE the collapse of the banking system and the stock market crash in September of 2008: 

QUOTE: "The highest concentration of wealthy individuals in the world reside in West Palm Beach, Florida, between the months of November and March." 

In twenty-six more days it will be November.

***MESSAGE FOR ALL OF THE WEALTHIEST INDIVIDUALS IN THE WORLD: Make sure that your mansions and yachts are stocked with plenty of Chateau Lafite Rothschild wine for all of those elaborate dinner parties you'll be having in November, December, January, February, & March. 
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#11 Consumer Comment

REG CC/ extended holds

AUTHOR: Exemployee18 - (USA)

I am sorry this happened to you.  This should have been discussed with you before the teller accepted the check.  One of the reasons banks can place holds on a deposit is due to excessive overdraft fees.  Other reasons include the account being new and balance of account.  If you consistently overdrew your account you have become a risky customer and more of a liability for the bank.  In essence they are afraid the check you are depositing maybe kited and the bank would be out the checks amount all together.  Now since most banks can process their proof work quickly and verify that items have cleared within a couple of days I would recommend talking to the bank manager and seeing if he can call the paying bank to see if the check has cleared.  If the check has cleared more than likely he can release that hold.  Good luck to you sorry about the bank lingo if it is confusing I can try and explain it in better detail.
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on its current & former employees, according to that article.

Then 'Google' this- BANK OF AMERICA COMPLAINTS SECRET LIFE INSURANCE POLICIES, and read how a Texas law firm is now involved in this matter. Imagine how the Bank of America employees would all feel if they knew about this! If I knew that my employer did this to me (without my consent) I'd be 'steaming-mad', wouldn't you?

It would mean that the employer didn't really care, & probably would like to see the employees who were covered to DIE, correct? Let's face it, they wouldn't be taking out $17 BILLION in life insurance policies hoping that the ones covered would live a long, long, healthy life, wouldn't you agree?

WELCOME TO AMERICA- ONE MASSIVE LIE!

P.S. Don't forget to go to the- MERRILL LYNCH page of this site & read St. Clair's Ripoff Report for VALUABLE information that ALL Americans should read.

Thank you.
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