Complaint Review: Bank Of America - Charlotte North Carolina
Ripoff Report on CBS 19
Ripoff Report on CBS 19 - Global Marketing Alliance
Ripoff Report on ABC 15 - Smart Shopper
Ripoff Report - Girls Gone Wild
Ripoff Report on Fox 11 - Car Repair
- Author Confirmed
- Bank Of America 100 N. Tryon St., Bank Of America Corporate Center Charlotte, North Carolina U.S.A.
- Phone: 704-386-5681
- Web:
- Category: Banks
Bank Of America Bank of America's NSF fees and returned item fees have charged over $1000 to my account this year. Ripoff Charlotte North Carolina
*Consumer Suggestion: dave your wrong, Bank of america does intentionally overedraw your account
*Consumer Suggestion: switch banks!
*Consumer Comment: Everyone's life is hectic these days.
Show customers why they should trust your business over your competitors...
listed on other sites?
Those sites steal
Ripoff Report's
content.
We can get those
removed for you!
Find out more here.
Ripoff Report
willing to make a
commitment to
customer satisfaction
Click here now..
I am a first year school teacher and my life has been very hectic and this year as I have not paid as much attention as I've liked to in the past regarding my finances. But, recently I had the luxury to spend some time looking over my Bank of America checking account and I was simply repulsed! The bank has charged me nearly $1000 in NSF fees and Returned Item Fees, this year alone. Granted, I am solely responsible for some poor choices I've made this year, but that is not what I am disputing. It is the fact that their customer service agents are unwilling to help reverse some of these charges. I believe I definitely should pay a price for my mistakes, but the question is: How much is fair? And, how much is too much? I make a very modest living, and a $1000 for me is my rent, utilities, food and gas for an entire month.
I recently made an attempt to try to speak to a Bank Manager at the El Monte, CA location and the manager wouldn't even let me withdraw funds from my account, (I did not have too forms of Identification. I had misplaced my Bank of America) let alone speak my outcry. It really felt humiliating and degrading to be treated like this.
I recently read a report that the national average for NSF fees and and reurned item fees is somewhere in the neighborhood of $26.90. Bank of America is nearly $10 higher, and in addition, I also read an investigative report stating that banks use a sneaky strategy of charging the larger amounts of a transaction first that come in on any single day, to help their own individual benefit of causing a persons bank account to go into the negative. Thus, causing all items to be charged the $35 fee instead of one or two.
Mr. ray
La Canada, California
U.S.A.
This report was posted on Ripoff Report on 08/16/2007 05:25 PM and is a permanent record located here: https://www.ripoffreport.com/reports/bank-of-america/charlotte-north-carolina-28255/bank-of-america-bank-of-americas-nsf-fees-and-returned-item-fees-have-charged-over-1000-268084. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
If you would like to see more Rip-off Reports on this company/individual, search here:
#3 Consumer Suggestion
dave your wrong, Bank of america does intentionally overedraw your account
AUTHOR: Kimberly - (U.S.A.)
SUBMITTED: Tuesday, August 21, 2007
Yes Dave , you are wrong, Bank of America will intentionally process transactions to delibrately overdraw your account, i have seen it done to me several times.
Firstly, they supposidely process transactions highest to the lowest right? Wrong, they will delibrately throw in one of their lovely little fees just before a transaction to delibrately overdraw your account and charge you a additional 35.00 the following night. for instance, say you have 5 transactions, and there is just enough to cover those 5 transactions in the account that day, however for some reason they managed to have a reason to charge you 35.00 for a overdraft from the night before, now the 35.00 is the lowest amount of those transactions, they will delibrately put the 35.00 in somewhere between the bigger ones so that the last transaction will overdraw your account, not thier fee, because they cannot access another overdraft fee to one of thier fees. The bank does this all the time.
BELIEVE ME WHEN I SAY BANK OF AMERICA PREYS ON SCREWING OVER ITS CUSTOMERS, THEY LIE AND STEAL FROM US ANY WAY THEY CAN, AND THEN LIE AGAIN WHEN YOU CALL THEM ON IT. I have outright caught them lying to me so many times i can't even count. They are the absolute worst and have built their empire off of our money that they steal.
#2 Consumer Suggestion
switch banks!
AUTHOR: Dave - (U.S.A.)
SUBMITTED: Friday, August 17, 2007
Bank of America is the worst in banking (my wife used to work for BofA for 17 years) switch to a different bank!
#1 Consumer Comment
Everyone's life is hectic these days.
AUTHOR: Robert - (U.S.A.)
SUBMITTED: Friday, August 17, 2007
That doesn't absolve anyone from being financially responsible. With all the available software to help maintain an account register and balance it at the end of the month, it takes very little time keep an accurate account balance.
Reviewing you account statement is not a luxury. It is a necessity. You have a certain amount of time to disbute anything in you statements. Your statement also includes any changes to your account terms and conditions that have an impact on your account (such as paying the largest debit first).
The bank doesn't cause and account to go into the negative. The account holder does by spending more than they have in their account or making assumptions about how the bank will process their debits and make their deposit funds available to draw against.
Related Reports
08:53 AM
11:37 AM
Palmdale, California
10:25 AM
11:37 AM
06:41 PM
FAYETTEVILLE, Georgia
10:12 AM
Arkadelphia, Arkansas
11:10 PM
10:25 PM
10:50 PM
10:57 PM
10:51 PM
New 
Updated Rebuttal Photo 
Advertisers above have met our
strict standards for business conduct.
