• Report: #507959

Complaint Review: Bank Of America ,bankofamerica.com

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  • Submitted: Mon, October 12, 2009
  • Updated: Thu, July 07, 2011

  • Reported By: Jerry — Carthage Missouri U.S.A.
Bank Of America ,bankofamerica.com
402 S Rangeline RD Joplin, Missouri United States of America
  • Phone: 4176262408
  • Web:
  • Category: Banks

Bank Of America ,bankofamerica.com compound charges and Over Draft charges and services that should NOT be their after proof I had money still in their ! Joplin, Missouri

*Consumer Comment: Jerry, Did you watch....

*Consumer Comment: Jerry, If you already 'Binged' this- DR MANDELSTAMM OF KIEFF, and clicked on 'Controversy of Zion', and read the passage entitled- 'THE TALMUD AND THE GHETTOES', you might want to....

*Consumer Comment: Jerry, You should 'Bing' this- DR MANDELSTAMM OF KIEFF, and click on- 'Controversy of Zion' and read the passage entitled-

*Consumer Comment: Jerry..you NEED to know....

*Consumer Comment: JERRY, THE USA IS A COUNTRY WHOSE FOUNDATION IS SOLIDLY BUILT ON- LIES, DECEPTION, FRAUD, GREED, MANIPULATION, EVIL, TRICKERY, DEEP CORRUPTION, & the......

*Consumer Comment: Question...

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I would look on my computer to see my balance and it would say I was in the good ! so I printed it off so I would have proof that I was in the Good ! I even went up to the ATM mechine and that even should that I was in the good ! But then I would Keep getting OVER DRAFT charges ! Now they have charged me $ 781.25 of OVER DRAFT charges I think bank of america is a rip off on their charges ! I think more people should speak out againest all banks that give their costomer the shaft like their doing to me !

This report was posted on Ripoff Report on 10/12/2009 10:34 AM and is a permanent record located here: http://www.ripoffreport.com/r/Bank-Of-America-bankofamericacom/Joplin-Missouri-64802/Bank-Of-America-bankofamericacom-compound-charges-and-Over-Draft-charges-and-services-t-507959. 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

Jerry, Did you watch....

AUTHOR: Karl - (USA)

the video entitled- "Obama's War" on the web? If not, simply 'Google' this- OBAMA'S WAR: FRONTLINE PBS, and watch it.

Then 'Google' this- THE WOUNDED PLATOON: FRONTLINE PBS, and watch that video too.

Have a nice day.

P.S. A new song will be submitted at this site soon. Just type in 555030 to see if it is available in the consumer comments section at Ripoff Report #555030.

The song will be to the tune of- "Desperado", by the Eagles.
You can 'Bing' this- FREE THE EAGLES MIDI FILES, and click on 'Desperado' and listen to that tune. 

*Here are the first few lines to the song-

Brock O'Bomb-a,
 Why won't you help all the people
You keep helping the bankers
 And the mean Wall Street gang
Are you a puppet
 Who will deceive all the good folks
Go raise the debt ceiling
 Or, stock market goes BANG!
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'Google' this- RAHM EMANUEL, and go to the Wikipedia site and read about who he is, okay? Make sure to read what is stated under- "Early and personal life". Now ask yourself this question: 'Could any of this have something to do with WHY the USA is really in the Middle East, fighting two wars against the Arabs?'

YOU BE THE JUDGE!

P.S. Make sure to 'Google' this- OBAMA'S WAR: FRONTLINE PBS, and watch it on the web, if you missed it last evening, okay?

Thank You.
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#3 Consumer Comment

Jerry, You should 'Bing' this- DR MANDELSTAMM OF KIEFF, and click on- 'Controversy of Zion' and read the passage entitled-

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

'THE TALMUD AND THE GHETTOES'. Read it at least 3 or 4 times, very slowly. Then ask yourself this question: 'Is all of this currently taking place in the USA, & around the world?'

YOU BE THE JUDGE!

Quote: "The truth was obscure, too profound and too pure; to live it you have to EXPLODE." - Bob Dylan

*The answer, my friend, is right here on the web. The ANSWERS are right here on the WEB.
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#4 Consumer Comment

Jerry..you NEED to know....

AUTHOR: Ronny g - (USA)

...not to trust the bank to give you the correct amount of your available funds on the computer..or at the ATM...even if you call them.

You can see by all the fees you accumulated right??? Why would the bank do anything to discourage you from incurring all those crazy fees? it's good money to them also.

Now..I am sure the bank was more then happy to give you a debit card..and tell you how convenient and wonderful online banking is...am I correct? sound familiar?

Okay..brace yourself....the bank..and some bank defenders who post rebuttals here..are going to tell you this is all your fault..because you did not use a ledger or register to write down every time you use the card so you don't spend more then you have..and they have a point..because if you do spend more then you have in the account..the bank will...

...cover the transaction...because you apparently are enrolled in "courtesy" overdraft protection...a "service" the bank provides..sometimes mandatory that will allow the bank to consider any overdraft as "pre-authorized"..hence they gladly cover it and charge you a substantial fee for doing so...but..it gets worse....

..the bank also uses a tactic or practice of 're-sequencing' your transactions so at the end of the day..they process from the highest amount first (the one most likely to wipe you out), to the lowest (so every little knick knack or gas and soda and coffee whatever) will actually go into overdraft..even though technically the funds were available at the time if the transaction. So that soda cost you $35.00..the bank thinks it was "courteous" of them to allow that transaction to go through...they must think you really like your coffee.

There are policy changes coming into effect soon that will help cut down on these fees and be more fair...but you need to take responsibility now that you are very aware of how the system operates.

1) try to keep track of your spending to the penny, make it your new second job.
2) do not trust any online statement or any "available funds" amount the bank says you have on an ATM or the phone.
3) STRONGLY consider opting out of courtesy overdraft protection..assuming your bank does not make it mandatory. If it does..consider going to a different bank or a credit union that will allow you to actually  protect YOUR money as you see fit.
4) if you do not have a history of chronic overdrafting...the banks on rare occasion may "forgive" some of the fees...but you have to be very very persistent..if you speak to the right person at the bank..you may hit pay dirt. If you have overdrafted previously within the past 12 months...you can probably kiss that money goodbye..unless any of the pending lawsuits offers a payout..but I can tell you this..it won't be $781.25..I can pretty much guarantee that..but it may be something...you will be notified eventually.



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#5 Consumer Comment

JERRY, THE USA IS A COUNTRY WHOSE FOUNDATION IS SOLIDLY BUILT ON- LIES, DECEPTION, FRAUD, GREED, MANIPULATION, EVIL, TRICKERY, DEEP CORRUPTION, & the......

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

CONSTANT PURSUIT TO FINANCIALLY INJURE THE INNOCENT PEOPLE LIVING HERE, & ALL OVER THE WORLD.

Without all of those elements mentioned above, the U.S. economy would come to a screeching halt. WITH all of those elements mentioned above, the U.S. economy COLLAPSES. It's that simple. MILLIONS upon MILLIONS of people in America were working in jobs that were run by corporations & companies who made those elements standard practice, and it was the 'way' that they conducted business for many, many, years. Think about it; Countrywide was one of the BIGGEST mortgage lenders in the USA, right? They COLLAPSED and needed to be bailed-out. Guess who bought them? Bank of America!

Merrill Lynch invested heavily in TOXIC MORTGAGES and was COLLAPSING. They needed to be bailed-out. Guess who bought them? Bank of America! And guess WHO bailed-out Bank of America? The American PEOPLE! (TAXPAYERS)

Bear Stearns was COLLAPSING. They needed to be bailed-out. Guess who bought them? JP Morgan Chase. Guess WHO bailed-out JP Morgan Chase? The American PEOPLE! Lehman was COLLAPSING. They weren't bailed-out, but their failure forced a BAIL-OUT of other companies who were directly linked to Lehman. AIG was one of them, and AIG needed well over $100 BILLION in TAXPAYER'S money in order to stave-off a complete COLLAPSE. Freddie Mac & Fannie Mae are the two BIGGEST companies on earth. They were COLLAPSING. Guess who bailed them out? The American TAXPAYERS!

Most of the U.S. economy was based on- LIES, DECEPTION, FRAUD, GREED, MANIPULATION........................ The American people are being stressed to the point of no return, in my opinion. I don't ever see a 'recovery' taking place in America for at least 20 to 30 years. As long as all of those elements exist in our economy, the USA has no chance.

WELCOME TO AMERICA- IN FRAUD WE TRUST

P.S. Cancel your account with Bank of America and open an account at a Credit Union if you feel the need to have a bank account.

Good luck to you, & make sure to 'Google' this- INSIDE THE MELTDOWN, and watch that Frontline documentary on the web. You'll learn all about the U.S. economy by watching it. Then 'Google' this- THE ASCENT OF MONEY PBS, and watch a Harvard Professor explain all about the 'ascent of money'. 

Quote: "When money alone becomes the goal, it alienates you." - Deepak Chopra, page 118. 'The Spontaneous Fulfillment of Desire- Harnessing the Infinite Power of Coincidence'


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#6 Consumer Comment

Question...

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

From the original post:

I would look on my computer to see my balance and it would say I was in the good ! so I printed it off so I would have proof that I was in the Good !

When you "look" on your computer, do you mean a money management program or the online banking tool?
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