BANK OF AMERICA Ripoff Reports, Complaints, Reviews, Scams, Lawsuits and Frauds Reported

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1, Report #1403
Feb 25 2000
12:00 AM
Bank of America auto lease bad business
I had a auto lease with Bank of America for three years it ended in November of 1999. It is now the middle of February and I am still waiting for my security deposit. They had told me it would take 6-8 weeks for me to recieve it. After numerous calls and being told to call all different numbers I am still waiting with out any help from them. I have even been told that they would call me back and they never have. Then when i call back there is a recording saying to call a different number, when i call that number there is another recording telling me to leave all info on viecle you are calling about and someone will get back to you. THEY NEVER DO.
Entity: Nationwide
2, Report #2897
Feb 19 2010
11:32 AM
Bank of America consumer ripoff
On 12/31/99, I discovered that my bank debit card had been used by someone unknown to me, without my knowledge or permission, to the tune of $1,152.03. According to my bank’s stated policy, they will reimburse me if my check card is lost, stolen, or used without my permission, if I report it promptly. I reported it as soon as I found out. They said they’d conduct an investigation and reimburse me, probably within a couple of business days. I received a reimbursement a day or so later. In March, they took the money away again. On 3/19, I called to find out why, and they said they hadn’t received the paperwork I was supposed to send. At my request they sent another form. When I called to get the mailing address, and they said I had already sent the form and didn’t need to send it again, and the investigation was still underway. In May, I still hadn’t heard anything. I tried to put the correspondence in email since they hadn’t been very helpful via telephone, but they refused to discuss the matter except over the phone. Today I called again. They said the investigator handling my claim wasn’t there, but would call me back. He didn’t. They also said they had sent me a letter in April, but hadn’t put my apartment number in the address, so the letter was returned. The lady said she couldn’t give me any other information. I called later, and THIS lady said no investigation was ever done, and she had no record of receiving the paperwork. She did, however, have a record of the other lady telling me they had received it. She also had a record of the mail being returned. She admitted they could have gotten the correct address from their customer service department but they didn’t. She offered no explanation why the lady from this morning wouldn’t give me this information, nor why I have been given conflicting information from the beginning. She said if I faxed the paperwork to them today, she would personally expedite the investigation and call me Friday with a status report. I called to see if they’d received the fax. The man put me on hold for a while, then said the claim had been denied on March 9, would probably not be reopened, and, since more than 120 days had elapsed, they would probably not give me my money back anyway. He didn’t have an answer for why nobody had ever said any of this until now. If, at any time, they had informed me of this 120 day limit, I would have been on the phone to them every week instead of waiting. Even so, the phone call where they said they had received my paperwork and I didn’t need to send it again, was well within 120 days. If they had been honest with me then, I could have stayed within their time limit. Click here to read other Rip Off Reports on Bank of America
Entity: California
3, Report #522071
Nov 10 2009
11:23 AM
bank of america Ripoff of America Internet
I have only banked with B of A for a short peroid of time. I get paid two weeks and I always go into to overdraft. The occasion before this one I went into overdraft for more than 200 dollars. When my pay check was deposited they had held one transaction for almost a week and then pushed all the smaller transactions up so that I owed them that much money. This caused me to not have enough for my rent, which was supposed to be automatically drafted on the 30th of the month. The bank then decides to draft the money for my rent out on the 6th instead of the 30th. Giving me a negative balance. I'm thinking my rent is paid, but no it's not. Although they mailed the check to my landlord they have since retracted and charged me 35.00. So I have to come up with the money for my rent and the 35.00 they charged me. My job requires you to have an account to deposit your money in and I am quickly looking for another bank. I have not seed anything like this before in my life. They do whatever they can to cause overdraft fees. This is just one of my many horrible experiences in a short time.  
Entity: , Internet
4, Report #392681
Nov 19 2008
12:07 AM
Bank Of America Faking Out America Wilmington Delaware
Simple to explain: I sent a payment Monday, they supposedly received and posted it Saturday due on Friday. According to BofA, you need to mail your payment 7-10 days in advance due to the USPS. Doesn't mail usually take 2 days. Not according to BofA. I called to dispute the late charge of $39 and was told that if I had a problem with the date they received it, I should contact the USPS. I was offered a half credit for mailing my payment on time. Then they took my 0% balance transfer interest rate up to 9.99%. But the kicker is they went back to October and decided to recalculate my interest rate and charge me an additional $12 in interest= $51 dollars total charges. Frank Orange, CaliforniaU.S.A.
Entity: Wilmington, Delaware
5, Report #930923
Aug 22 2012
10:58 AM
I got ripped off by Bank of America!!! There is six $35 over drafted fees showing in my check account today,and i called them yesterday and asked about why is there so many over drafted fees and the guy told me because of some banking error and will refund all the fees for me and required me to call back the next day which is today,so i called again,and what they said today is totally different,they refused to refund the fees and the guy hang up on me twice! he couldn't explain the reason why i got charged for so many times,i had $250 deposited into my check account on Aug 21th and i transferred $160 into my saving and i got three over drafted fees that day for previous purchases by then my  checking account was -$35.59 but my saving had $160 in it,then there is two more purchases $28.17 and $27.28,since i have over draft protection service,if my checking have not enough funds,it will automatically transfer funds from my saving to cover the debts but i still got over draft charges for that,and they hold all the money in my saving account,that guy told me because i transfer the money on Aug 21st 5:45 AM which is after the cut off time so my saving had not enough money to cover the purchases i made on Aug 21st, WTF??  i thought the money was available on Aug 21st since i made the transfer in the morning of Aug21st,but that guy said it's after the cut off time which is 5PM,he didn't even know what hes saying @@ and his attitude was really bad! WE WILL NOT GIVE YOU ANY REFUND TODAY! and i said i totally understand and i just want you to explain all those fees and he hang up on me! 
Entity: , Internet
6, Report #381600
Oct 15 2008
03:45 PM
When watching tv commercials about bank of america they tell you about all the great thing they are doing to help their customers,well if you are disabled or on social securety or middle class just making ends meet you do not want to do your banking with Bank of America and frankely i do not think they want clients that are in this category. BOA takes advantage of these people for example most banks deduct your checks or purchases as they come in and will post them to your account in that order ,not BOA if you have purches of say $14.00,&7.00 ,$3.00 $1.00 and they have allready cleared and no longer pending leaving you a balance of $30.00 and then a day later something comes through for 100.00 now we would assume you are going to get one late fee at the most if you are unable to cover the fee that day. well i can tell you that will not be the case. what they will do is put the 100.00 amount through in front of the charges that are no longer pending ,your account will then show the $14.00,$7.00,$3.00and $1.00 in the negative,then they will hit you with 100.00 to 140.00 in fee's causing you to owe lots of money that you do not have and when you call and ask them why they did this to you they will tell you that it is a bank policy that their customers would rather they pay the higher amount first in case it is an important payment. well i do not know about you but merchants would not agree for they should all be important to a bank. I am saying enough is enough, for i have had this done to me to many times and i am closing my account and the 250.00 they show me owing because of the very thing i just described they will get it in payments of 10.00 a month for i have nothing but a social securety check every month to live on. if you have plenty money so you do not have to worry about ever having this done to you. i guess their as good as any bank but if your income is limited you need to find another bank. i personally think they do this to people with little money because they figure they can ,that we will not have the money to do anything about it and we will just suck it up. but luckely there are places like this one that we can at least warn other people about such unethical practices by businesses like BOA. Barbara MANASSAS, VirginiaU.S.A.
Entity: MANASSAS, Virginia
7, Report #392149
Nov 17 2008
05:28 PM
Bank Of America Bank of America change of priority increase overdraft fees! Boston, MA Nationwide
I recently discovered that bank of america changed the posting priority for transactions and I have received well over $100 in overdraft charges despite never actually overdrafting my account. I have two great examples for you. First about 3 weeks ago, I had a checking account balance of $3.52. I went to the ATM and deposited a check for $350, the first $300 became available instantly per my account standing at BofA. I received a receipt for the transaction showing an available balance of $303.52. After depositing the check, I went back to work and before I left for the evening I logged into my BofA account to check my savings account balance which was $25. I checked the available balance which still showed $303.52 as available. So after work I drove to a local ice cream shoppe and got a sundae to go, total transaction purchase was $4.52 which I put on my debit card. I went home and thought nothing of it. The next morning I received an e-mail alert saying that my account had overdraft and I had received a $35 fee. I was shocked, that didn't make any sense I had a sizable available balance. I logged into my Bank of America account online and simply could not understand why I was charged a fee because my account was never negative. I called the 800 number and spoke with several reps including a manager who tried but could not justify the amount. Here's how they explained it to me: On the day in question I had a starting balance of $3.52. I went to the ATM and made my deposit. Later in the day I went and bought a sundae for $4.92. However despite them making the funds available to me, she noted that I should look at the ATM receipt. Which showed the date and time of the transaction 10/20/2008 at 13:42, which seemed fine, then she said that I should look below the top line, in smaller print it says posting to account xxxxx on 10/21/2008, then she informed me that it technically wasn't available until the next day. So when they calculated my account that evening they took my current balance, subtracted pending withdrawals first so even though some transactions were pending that reflected in the available balance the pending withdrawal posted first: So my account looked like this the next morning for accounting purposes (according to them and again I can't fathom this but its there rule): Beginning Balance $153.52 Pending Withdrawal: -4.92 Posted Withdrawal (item that was pending that posted overnight): -$150.00 Posted Deposit: $350.00 Ending Balance: $348.40 So because pending is now prioritized first my account was overdrawn by $1.40 based only on order of priority. It never actually showed negative because online it looks like this: Pending: -4.92 (available balance $348.40) Deposit: $350.00 (available balance $353.52) Posted:$150.00 (available balance $3.52) So online the balance never shows negative. It was simply a matter of how they did the accounting but I can't see it. Then I decided to transfer the balance of the savings account to the checking to cover most of the fee and not mess with my check register. So I transfered the $25 to checking leaving a savings account balance of $0. However there was a keep the change deposit that had shown in the saving account that day of 8 cents, that they reversed the next day for low balance because of the other posting issue. So despite allowing me to transfer the $25 from the saving account, my account reversed the 8 cent keep the change, and instead of having an account balance of 2 cents, I had an account balance of -8 cents, but it gets better because the day the account was negative 8 cents another keep the change transfer for $1.30 also posted, so my account never shows negative online, but for their accounting purposes it did, and I was charged a $35 overdraft fee for the savings account too! It gets better folks. I went into the local branch to straighten this out because it simply did not make sense to me, and the woman in the branch explained that she could not reverse the fees because I had 7 overdraft fees this year. I explained that the 7 fees were associated with an unauthorized transaction and they had been reversed after they reviewed the formal claim I filed. She explained that it didn't matter that because they had been reversed they counted against me and she couldn't reverse these fees as a result. So I got hit with $70 worth of fees despite never overdrafting my account! So621 Waltham, MassachusettsU.S.A. Click here to read other Rip Off Reports on Bank of America
Entity: Nationwide
8, Report #76567
Jan 08 2004
03:59 PM
Bank of America ripoff Sacramento California
hello I've been a customer of bank of america for about ten or more year. and I been trying to go to another bank but I cant because bank of america said that I'm in check systems. I am not when I try to go to a nother bank they said that I am in checksystems but when I go back to bank of america I can open a acc with them. I do not understand why i cant open a bank acc other than with bank of america. could you please help. Lester 95821, CaliforniaU.S.A.
Entity: Sacramento, California
9, Report #138134
Apr 08 2005
07:28 PM
Bank Of America ripoff Tampa Florida
I had just opened my checking account with bank of America about 3 months ago. Ever since it was opened I had been depositing my husband's pay check into it. The account was just in my name. We had been doing that every two weeks for the past three months. We deposited his check through the ATM on the 31st of March. Since we had been doing it forso long we went ahead and wrote out our rent check of $967 and sent out bills. Well I happened to check my account online and saw that they sent the deposit back. We got on the phone and started calling Bank of America. We were told that we would get his check with in a day or two. Which would be fine because it takes a few days for the rent check to clear anyway. We still have not recieved his check back yet and it is now April 8th. Needless to say our rent check bounced. So not only did we have an overdraft fee but we also have to pay a $85 late fee and a $50 returned check fee with our landlord. We told Bank of America this and thier response was oh well. We were told that we could expect his check sometime between the 7th and the 11th of April. We went as high as thier executive office and as soon as we got on the phone with that lady she was automatically rude. We were upset because we still don't have our money and they won't pay the fees for us having to pay our rent late and making the check bounce. I would have left it alone but they never told us that we couldn't deposit 3rd party checks and we even went to the tellers to do it. The lady at the executive office told us that it was on a letter that they send out yearly that they don't do it. I've only had the account for 3 months so I would have no way of knowing that. In closing I would just like to state that Bank of America has the worst customer service I have ever seen. They certainly don't care about thier customer needs and I am closing this account and will not bank with them again. Elizabeth Richmond, VirginiaU.S.A.
Entity: Tampa, Florida
10, Report #137839
Apr 06 2005
09:48 PM
Bank Of America ripoff (Chesterfield) - Richmond Virginia
I can't beleive how many overdraft fees I collect. I swear I watched my account online, and the money was jsut sitting there. Then, as soon as I used my card...boom, suddenly everything is overdrafting. I hate online banking. And Bank Of America is a monster for doing this to me. I'm a single mom. There is no way I can catch up, since I had no idea this was going on. When the papers started to pour in, my God, what a mess. Ok, so I got behind, but does that really mean they should charge you 33.00 for even 2.00 purchases? And forget trying to catch up. it's impossible. They let the paperwork pile up so every bounces. Someone should control these guys. They've eaten two of my checks on over-drafts. It happens fairly quick too. I'm closing my account tomorrow morning. I hate banking. I've never had money problems till now. I'm going back to my old policy. If you don't have the money in your hand, don't order it. This whole thing is a nightmare. Thanks to this incredibly greedy bank, I can't feed my kids. Not to mention, that they can't find paper work on a thousand dollar transaction I made. How convinient. I was in such a hurry to fly to Rome I didn't realize that I had not checked if the Travlers Checks were actually in the envelope. Isn't it kind of a policy that they are suppose to make you sign them before you go? I asked the cashier that day, and she said, Um, no. So stupid me, I left, probably with a blank envelope. I get to Rome and realize I have no money. When I get home, I checked the envelope I left in my car. The envelope was there but no checks. So I think, ok, stolen, report. When I get back this is the story I get from these people. I mean, do I really have to keep every damn reciept? I was in a rush, who thinks of those things? They are ... We're sorry mam' we looked everywhere. There is no paper work on anything like you are telling us. We can't help you without the original reciept. So I got lucky, two months later I'm cleaning under my car seat, and I find it. I found the original reciept. Let's see if they can't find the paperwork now! It's stupid of me, but I trusted them. That's the first and last time I bank. These people don't care about you or me. But now I know. They force you to need them. Then they eat you up. The whole system is a scam. It's my first time, but I learn fast. It won't happen again. Good luck. Mary Springs, ColoradoU.S.A.
Entity: (Chesterfield) - Richmond, Virginia
11, Report #138110
Apr 08 2005
03:48 PM
Bank Of America ripoff, fees, charges, Tampa Florida
I came to this site to see if Bank of America did to others what its doing to me, and WOW was I surprised to see how many reports were put in on them. My story about them is this, and please feel free to contact me if you wish. I stopped using my Bank of America account and opened another account at a different bank, this was in the end of Jan. I had a couple of auto payments from my ins. ect. that I used this for til I changed their accounts to my new bank , so these payments are the only ones I deposited for. In the last month and half, someone online gained my account info. and has made tons of charges all from the same company, I contacted the bank after I saw 2 charges,and was told to wait for them to send me a form to dispute them, in that time there were more charges, I called again and told my story to the rep that answered she stated she would transfer me to special service and that they can remove those fees and then close account. She transfered me and then I was told by special service rep. that I must have given this information at some time and I was responsible for the overdraft fees and he would not close account. I find this ridiculous as these people are still charging items, he stated he would not remove them and I had to pay, I told him I will take this up w/ a lawyer I am not paying, this was 2 weeks ago and my account is now over $600 is overdrafts as they keep charging and wont close my account to stop this. He did offere to put a stop payment on it, however if they make charge for a different amount it would not be stopped and I incure more charges. I wanted my account closed to stop this and they willnot do, they have sent me threatening letters stating if I dont pay they will report me to some company so I will never be able to get another bank account. I work in customer service for a large company and have never heard of such crap!!!! I should not be responsible for charges I have not made. I should be able to close my account so this doesnt keep happening. I would NEVER suggest anyone use their services. This company is so scummy it sickening! Joelle Tampa, FloridaU.S.A.
Entity: Tampa, Florida
12, Report #157083
Sep 14 2005
01:35 PM
Bank Of America Run by Criminals ripoff Nationwide
Bank of America gets rich off the backs of poor Americans: The revenue increase was primarily due to strong noninterest income growth, led by the growth in card income and service charges. Since buying credit card giant MBNA in June 2005, Charlotte, NC-based financial titan Bank of America has adopted some of its former prey's most prized tactics -- spiking interest rates, charging late fees even when your balance is paid, and customer service that leaves cardholders feeling worse than when they called. ************************************* Bank of America steals from mutual fund holders: Bank of America has agreed to pay a total of $375 million, consisting of $250 million in disgorgement and $125 million in penalties. The money will be distributed to the mutual funds and their shareholders that were harmed as a result of market timing in Nations Funds and other mutual funds through Bank of America. Stephen M. Cutler, Director of the SEC Division of Enforcement, said: The $375 million that Bank of America has agreed to pay and the significant reforms that it has agreed to implement reflect the seriousness of the misconduct in this matter. We will continue to investigate that misconduct in an effort to hold all responsible parties accountable. ************************************ Bank of America steals from ATM customers: Several top U.S. banks and ATM operators face a class-action lawsuit claiming they collaborated to charge customers inflated ATM fees, according to court documents. ********************************* Bank of America steals senior citizen's social security checks: Several banks, including Bank of America, are seizing Social Security checks and taking the money if those people have some kind of debt or dispute with the bank. ********************************* Bank of America steals from their own employees: The suits seek injunctions to stop the banks from charging a $5 per paycheck cashing fee to employees of business payroll account holders as well as a refund of all such fees already paid by thousands of employees in Californiamostly lower-paid workers who don't hold personal checking accounts and rely on their employers' banks to cash their checks. A $4.1 million dollar settlement has been approved in the class action lawsuit filed against the Bank of America on behalf of approximately 280 Washington state employees. The employees alleged that they qualified for overtime pay that they were not receiving. Bank of America Corp. employees are suing the company for allegedly using part of their pension accounts as an arbitrage scheme to enrich itself at their expense, according to The Wall Street Journal. The lawsuit, Pothier v. Bank of America Corp., was filed in federal court in the Southern District of Illinois. ******************************* Bank of America steals from stockholders of Enron: Bank of America yesterday became the first bank to agree to a settlement in a class action lawsuit brought by Enron investors who are claiming $25bn (13.6bn) from firms and individuals allegedly linked to fraudulent activities at the energy firm before it collapsed in 2001.,11337,1253220,00.html *********************************** Bank of America steals from small business owners: A Miami businessman is suing Bank of America to recover $90,000 that he claims was stolen and diverted to a bank in Latvia after his computer was infected by a Trojan horse computer virus. L.L.P. has filed an antitrust class action lawsuit in the U.S. District Court for the District of Connecticut against Visa, MasterCard, Bank of America, Citibank, Bank One, Chase Manhattan Bank, JPMorgan Chase, Fleet Bank, Capital One and other major banks on behalf of merchants alleging collusive practices of their setting, by horizontal agreement, credit card interchange fees at supra-competitive levels. The Complaint seeks injunctive relief to stop the alleged anticompetitive practices plus damages. ******************************** Bank of America lies it's way to the top: Bank of America Corp., with more than 140,000 employees, had $637 billion in assets at the end of the first quarter of this year. After the merger was completed, NationsBank shareholders claimed that BankAmerica had won their approval of the deal by hiding financial problems at BankAmerica. ******************************** Bank of America involved in racketeering? According to a racketeering lawsuit the Italian overseer recently filed in North Carolina, for example, Bank of America began engaging in a series of systematic, interrelated transactions whose only economic purpose was to enrich Bank of America at the ultimate expense of Parmalat, by making it appear that Parmalat was a thriving, profitable company with a good credit rating and the ability to grow and obtain additional financing.' Vigilante Galt, CaliforniaU.S.A. Click here to read other Rip Off Reports on Bank of America
Entity: Nationwide
13, Report #146947
Jun 21 2005
12:07 PM
Bank Of America ripoff overdraft Flower Mound Texas
Ever since I moved out of the states, which means that I cannot physically go into one of the Bank of America locations to argue about charges, Bank of America online has CONTINUOSLY posted transactions, then removed them and waited until enough funds were not available in the bank to re-post and always post the highest dollar amounts first (not in the order received) in order to CONTINUOSLY collect NSF fees. I check this account at least once a week and always before I use my check card and have on numerous times shown a balance of over 400USD and the next day show a balance of -amount with charges that were more than 2-3 weeks old that they had originally posted and later removed... and then reposted. I am in the process of closing this account as this practice has become outrageous and obviously this NEVER happened while I was in the states. I guess they figured that I could actually walk into their office and get this straightened out vs. having to call customer service who is rarely helpful. Nancy Flower Mound, TexasU.S.A.
Entity: Internet
14, Report #104559
Aug 20 2004
02:54 AM
Bank Of America ripoff Dallas Internet
Back in 1996 when BOA merged with Nations Bank. Nations was hit with a class action lawsuit for ripping off consumers by making sure checks for larger amounts to someone's account were deposited first instead of in random order or by whatever check came in that day. Thus making the smaller checks that would have cleared bounce and creating more revenue for them. The end result for Nations and BOA was they had to repay any consumer that was hit with an NSF free. The excuse I got was because they assumed the larger amount would be car or mortgage payments. Now, if everything is automated, how can they determine what's what without pulling the check and looking at it? Bank of America's at it again with this game they're playing with people's hard earned money. Imagine 5 check or debits go NSF at $33.00 a piece at the same time? That's $150.00, not to mention, the larger amount that's going to go NSF later because of the 5 $33.00 NSF. It's darn same that they know it's illegal but are still doing it anyway. Minnie Dallas, TexasU.S.A.
Entity: Internet
15, Report #110736
Sep 29 2004
12:36 PM
Bank Of America ripoff Los Angeles California
After reading several poster complain about Bank of America, I have to say that I'm surprised. I had no clue that so many shared my sentiments. After being told that I would receive a fee reversal from one B of A phone rep (who told me to call back the following day since the NSF fee hadn't yet been posted), I had another one tell me the next business day that she wouldn't be able to reverse that fee! YES it was a bank error. YES I spoke to TWO supervisors about the situation. But they stone walled, and I ended the conversations, but not before I seriously thought about which banking institution I wanted to give my business. This decision isn't about a simple NSF fee. It's about the way B of A's service and respect to its customers have slowly deteriorated over the years. B of A has grown, but in the process the service it has provided just isn't meeting the needs of its customers. This was just the straw that broke the camel's back. If more of us banded together and sent our accounts elsewhere, B of A would have no choice but to listen to the complaints of its customers. YES I know it's a pain in the back side to open new accounts at other banks, but sometimes you just have to make a stand. Well, I've talked long enough. Thanks for listening and best of luck. Dwntha glendora, CaliforniaU.S.A.
Entity: Los Angeles, California
16, Report #90581
May 07 2004
11:34 AM
Bank of America rip-off! Atlanta Georgia
I have come to the conculsion that Bank of America is in the business of ripping off people. If they are not charging outrageous bank fee, because of their own error, they are charging you for a service that you never requested (copy of statement). Who in there right mind would request a copy of a curent statement when you can just go on line and print a copy? They will never have to worry about me again because I am closing my accounts with them. Rosalind Atlanta, GeorgiaU.S.A.
Entity: Atlanta, Georgia
17, Report #86148
Mar 31 2004
06:46 PM
Bank Of America ripoff The Colony Texas
I have been banking with these guy's for 26 years. I thought they gave a damn about customers. All they give a damn about is how much they can rip you off for. I wrote 4 checks the largest one was for $150.00 to the local County Tax Attorney. The other 3 checks didn't add up to $150.00. what they did was the local County Tax Attorney held his check for about two weeks or so. listened to the bank of america computer via the telephone and I could have swore that it told me the check for $150 has cleared my bank. Finally the local County Tax Attorney sent his check to the bank and it hits on the same day that my other three checks which didn't add up to $150.00 which by the way was my balance. What they did was they paid the one for $150.00 and bounced my other 3 checks and hit me for $90.00 in overdraft fee's. I called customer service and asked if they could maybe return $60.00 of the $90.00 they had taken out since I thought maybe I had heard wrong when I was listening to the machine. I wear hearing aids in boths ears so sometimes I don't hear everything the way it should be, anyway getting back to my story I asked them if they could refund the $60.00 I explained to them that I was down on my luck and that I had recently been layoff at my job which i'm now in my 6th month of it sucks I know but hey I was in telecom and it just went bust. I went through 4 levels of customer service people none of them gave a damn they said they weren't refunding anything. I pleaded and plead to no avail. I explained to Manager of customer service a Mr. Joel Campos in Rio Rancho NM, and his manager that these $60.00 they are holding back would mean that we wouldn't be able to afford to buy groceries this week and that would really suck. Once again they said to bad so sad. Anyway I got the name of the president of Bank of America and wrote an email and I sent it to BOA's customer service department since I don't have the email for the president. They kept saying we refunded some in the past but we can't do it again. It's no shit I have been layoff for 6 months guy's i'm really strugging here. I'm also a programmer on my spare time and They have this programe that knows all this shit and it doesn't give a damn about the customer or if you have children to feed. But then again niether does BOA's customer service people. Carlos The Colony, TexasU.S.A.
Entity: Nationwide
18, Report #2702
Jul 20 2000
12:00 AM
Bank of America phony late charges
My mortgage is thru B of A. I used to mail my payment by the 3rd of the month, but noticed that it was never posted to my account until about the 17th of the month. I work downtown Chicago, and Bank of America is right across the street. I thought why mail it and risk getting late charges when I could just as easily cross the street and pay it at their facility. Well, last month, I paid it on the 9th at the bank, and about the 23rd of the month I got a letter from them saying they never received the payment, and tacked on late charges. Luckily, when you pay at the bank, they issue you a receipt. I called the customer service number and reported that I made my payment at the bank itself, and that I had a receipt to prove it. She told me that she would remove the late charges, and not mark my account late, but in the future it would be wiser to just mail my payment, as it takes the payment processing facility three weeks to get the payment from the bank, as they are 'on different systems'. How stupid. I will continue to pay it at the bank and fight a late charge, as I realized if the payment processing facility loses it I have no proof that I even sent it. At least, paying at the bank, I can prove that it was paid on time.
Entity: Chicago, Illinois
19, Report #1085
Jan 07 2000
12:00 AM
Bank of America Doing Bad Business
I recently went through a divorce. According to our Marital Dissolution Agreement, all proceeds on the house belong to the Husband. Bank of America Mortgage sent the proceed check made out to both me and my ex-wife. I called Bank of America Mortgage about this issue, and they told me to send the check back with another copy of my divorce papers. After doing this, they said they would issue me another check. Instead, they sent me a letter requesting a copy of a deed that shows my ex-wife signing the deed over to me. We both signed the closing documents when we sold the house to another couple. Bank of America knows for a fact that there is not a deed showing that my ex-wife signed the deed over to me. Bank of America has been known for doing wrong on many occasions. Please do not ever get a mortgage through Bank of America. They only exist to steal your money.
Entity: Louisville, Kentucky
20, Report #17635
Mar 26 2002
12:00 AM
Bank of America ripoff - extortoinate fees Pittsburg California
I refinanced my house and had the proceeds direct deposited into my account for convenience. B of A charged me $12.00 for wire transfer fees. I called customer service and they told me it is the same fee I would pay if I went to Western Union and did a wire transfer. Last time I checked, Western Union did not charge a fee to the person RECEIVING the money, and I paid a wire transfer fee as part of the refinance. They are double dipping for a service that costs them nothing. I have requested a refund in writing, but have received no reply. Linda Pittsburg, California Click here to read other Rip Off Reports on Bank of America
Entity: Pittsburg, California
21, Report #214461
Oct 05 2006
09:54 PM
Bank Of America ripoff Houston Texas
Bank of America charges back funds 15 months after deposit. After a week has not sent check or copy and continues to hold back funds. $1500.00 I have visited bank and made numerous phone calls. We are honest and responsible customers with a long history with this bank. This is under investigation or research----------- several different stories from several different Bank of America employees and still no resolution. The funds were subtracted 9/27/06. Jo houston, TexasU.S.A.
Entity: Houston, Texas
22, Report #216241
Oct 17 2006
11:37 AM
Bank Of America Ripoff Fraud Billing Phoenix Arizona
I got an unknown charge to my account on oct 4, 2006 on my credit card statement. I haven't use this account for a long time because there was some invalid charges a long time ago. Later on I got a letter from B of A showing that the balance is 0, they cleaned all the late fee and finacial charges. I do not really want to use a credit card from this company, see what I mean, a fraudulant charge appears already. They told me to call that charge BAC TRAVEL ADV 800-548-1116, I found out that it came from B of A, but I had not idea where it came from, because I never sign any paper or answer any phone at all. So, i would like to share with other people for this fraudulant. Peggy Anaheim, CaliforniaU.S.A.
Entity: Phoenix, Arizona
23, Report #523401
Nov 13 2009
02:45 PM
Bank Of America SCAM Charlotte, North Carolina
Let me tell you a little story about Bank Of America and the way they screwed me. I woke up this morning(payday) and logged into my online banking to see a balance of -$887,650.88.  That's right, negative. Stunned I called the bank to see what kind of error this was and how to resolve it. The very friendly customer service representative told me I needed to contact the Risk Closure department, which I immediately did. I waited on hold for upwards of 30 minutes before getting to a human. The person who I first spoke to, had the intonation as if I were some kind of criminal. When I asked what was going on, I was told that my accounts were being closed by Bank Of America, and I can not open any other accounts with them. I asked the next obvious question why. The response was this, When you signed the Deposit Agreement, you acknowledged that we may close your account at any time. That was it, that was the explanation that this rude representative had. She also stated that she had no specific reason, just that pursuant to the agreement they were closing my account. Great!!! Next question, what is up with the balance, why am I negative almost $1,000,000? She said that when my account goes to their department, they put a default -888,888.88 on the account, so note the difference, between their -888,888.88 and my balance -887,650.88. That means I have a positive account balance of $1,238. I then said, Well I will just go to the bank today to get the money that IS in the account, I was advised that would not be possible, and that I would receive a cashiers check within 10 days of the account closure, which is 10 days from today. They are going to mail me a check in 20 days!!!! My bills will not stop for 20 days!!! I will not stop being hungry for 20 days!!!! This is ludicrous. I took off from work today to go into my local branch and spoke to the branch manager, who then called this risk closure dept. He advised me that it could be a few hours before he would know something, so I left, about an hour later he called me back, and said that if I get to the bank before closing time, (6) then he would be able to release the funds to me. I told him I would be there.... As I was on my way over to the bank, my cell phone rang again from the local branch. The branch manager again, but this time telling me that he received another call from the risk dept. advising him not to release the funds, that I would simply have to wait for the cashiers check!!!!!! What can I do to get my money back, this is my livelihood here. If anyone has any suggestions, please let me know...
Entity: Charlotte, North Carolina
24, Report #390231
Nov 11 2008
04:01 PM
So I'm not the only one that is being charged all these overdraft fees for apparently pending transactions. My biggest problem was when I had in my account about $1040 and 2 check posted through the night totaling only about $350 and somehow the balance went down to $500 instead of $700 something that should have been there. Here's the kicker the last transfer I had made the night before which gave it the balance of $1040 it didn't show but I NOW DAM well it was made. I went to B of A and of course it didn't show but I know for a FACT there was about $1040 or so in there. I was told that when a transaction posts and the money is not there you get a overdraft fee, but when the transaction was actually made the money was there, so that's where they get you! I'm sick of it Laura reno, NevadaU.S.A.
Entity: RENO, Nevada
25, Report #381994
Oct 16 2008
04:49 PM
Bank Of America InCorrect Overdraft Practices Tampa Florida
On Tuesday October 14th, I made my last transaction for the week for Brighthouse Networks for 100.51. When I checked my account online it showed that I had $7.57 available in my account. When I checked my account on Wednesday October 15, my account had a negative balance of $-12.84. All of my transactions were cleared but the one from Brighthouse. I called Bank of America and they explained that I had a transaction from October 9th for 20.18 that had just cleared, and that's why my account was negative, and that I would be charged one overdraft fee of $35 for the pending Brighthouse transaction. I understood that because it was the only transaction that hadn't cleared and that I didn't have enough funds for. When I checked my account Thursday October 16th, I had been charged three overdraft fees with the Brighthouse transaction still pending. I was told I was being charged for three other transactions that were each under $10, that had already been cleared and paid for, because Bank of America clears the higher transactions first, but the highest transaction, which was for Brighthouse, was never even cleared. That transaction is still pending while the other ones have been paid. My online account shows Bank of America deducting overdraft fees while my account still has a positive balance! I had the funds in my account for the 3 smaller transactions to be paid, and all were paid for, but I'm still being charged four overdraft fees by Bank of America. In all I'm being charge $140.00. I feel like this is a huge scam. What is beyond me is that they haven't even paid my largest transaction or cleared it, and I'm being charged for three transactions that were already cleared. When I talked to a supervisor over the phone he told me that I couldn't rely on online banking to be completely accurate and that I should use a transaction register instead. I asked him what was the point of even having online or over the phone banking if I can't even rely on it to be accurate. The supervisor refused to give me a courtesy of deducting some of the overdraft fees, and when I told him I couldn't pay it all he told me that if I didn't pay within 20 days I could set up a payment plan- which I can't do because I have direct deposit and the fees will already be deducted from my deposited check automatically. Cctampa33617 tampa, FloridaU.S.A.
Entity: Tampa, Florida

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