• Report: #371466

Complaint Review: Bank Of America

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  • Submitted: Tue, September 09, 2008
  • Updated: Wed, September 10, 2008

  • Reported By:keizer Oregon
Bank Of America
bankofamerica.com Salem, Oregon U.S.A.
  • Phone: 800-932-1000
  • Web:
  • Category: Banks

Bank Of America would not stop letting transactions from going in and keep giveing me NSF fees Salem Oregon

*Consumer Suggestion: Steven, you are overlooking the obvious here. Just do this.

*Consumer Suggestion: You originally figured it was your mistake. What changed?

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In the middle of June I check my bank account to see the amount of funds available to grocery shoping found out I was over drawn.

I figured it was my mistake didn't contest this 2 weeks went by had my job direct deposit my paychecks in after a month and a half totaling $1198.00 I was still overdrawn I knew then it was a mistake because I never used the account.

Called the bank got transfered to department to department with all of them stating the next one can help you spent not only numerous hours on the phone but my cell phone minutes used up and got nowhere with anyone.

Finally I took time off from work 2 hours with no pay spent the time at the bank with the bank (salem Branch) stating that these charges were not mine and wanted them stopped or put a hold on the whole account so I could pay off the over draft charges then close the account , They said sorry we can't do that until you are at a zero balance, I even asked to have a block put on 3 companies trying to take the money out of my account they said no again because each time the amounts were different they would need exact amounts from me which I could not give because of the different amounts each time.

I even stated to the manager that I am a diabetic I needed to get the money sent to a company in Pennsylvania where I get my meds because the only I can get them is by mail order or my insurance does not cover them, Like I said earlier I gave bank of america nearly 1200.00 in a month and ahalf and could not pay for my meds nor pay for my car which I have lost for lack of payments luckly enough I have a friend that is letting me stay with him so I am not under a bridge someplace at this time.

I have been with bank of america 2 plus years like their service but this time they have given me the cold shoulder and I feel I am getting ripped off by the bank just so they can get money from me for the fun of it. How am I to live if all my money continues to go the bank for NSF fees that are not mine and they continue to let this happen now they are threatening to forclose on the account and send it to collections. This notice came via a phone call yesterday afternoon and all they said again was if this happening to your account you must have dealt with these companies and they want their money back I never heard of them.

The bank president gave me numbers to call but yesterday the lady saiid they do not the phone numbers to give me to call them so whos wrong there..I can let them send it to collections and I will dispute it all the way and they may never get paid but I want my life back to where I can go to the store and not be hassled when my checks or debit card are declined as they have been since late June because of this it is making me sicker by the minute.

Steven
keizer, Oregon
U.S.A.

This report was posted on Ripoff Report on 09/09/2008 09:52 PM and is a permanent record located here: http://www.ripoffreport.com/r/Bank-Of-America/Salem-Oregon-97301/Bank-Of-America-would-not-stop-letting-transactions-from-going-in-and-keep-giveing-me-NSF-371466. 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:
0Author 2Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

Steven, you are overlooking the obvious here. Just do this.

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

Steven,

You need to take responsibility for your own account. It is NOT the banks responsibility to do it for you, nor is ith their responsibility to stop transactions that you authorized or initiated!

Nowhere in your post did you speak of a CHECKBOOK REGISTER.
Keeping an ACCURATE checkbook register will solve most of your problems.
This is NOT OPTIONAL. You MUST do it to avoid fees.

The other very bad mistake you made is authorizing others to debit your account on a recurring basis. This is a BIG MISTAKE! Use a credit card for these transactions, or make them manually each month from your account. NEVER authorize anyone to take funds from your account! Just common sense here.

Many people make the fatal mistake of not keeping an accurate checkbook register. This is just plain stupidity, and is the reason for most overdraft fee situations.

NEVER rely on telephone banking, online banking or the atm to determine your available funds. ONLY rely on your ACCURATE CHECKBOOK REGISTER for this.

No rip off here, just another case of poor account management.
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#2 Consumer Suggestion

You originally figured it was your mistake. What changed?

AUTHOR: J G Shrugged - (U.S.A.)

You didn't balance your account when it first started happening, yet there is nothing in here that states that you stopped using the account to let it settle down in order to balance it. Who were these 3 companies that kept taking money from your account?
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