I hate Bank of America

Comments

[Billy]

Me too!

[mark]

i hate b of a because they charged me 100 dollars for 2 cups of coffee [overdraft charges]. i guess i be watchin the news for something that will make me jump up and down.patience is a virtue and novas are cool. how disgusting these large corporations are. now awnser me this; back in the 20s 30s when people were more honest and god fearing and patriotic were bank robbers heros? it looks like law enforcement judges polotitians excetra had two standards this allowed the poverty to flourish,and when this was extended to the third world this created terrorist groups. they just kept looking back on what was done to them. isnt it great to see our ugly gov exposed for all to see. it truly is a miricle. now they say theyve found nerve gas. i think its a calculated lie. i think the world court should have jurisdiction on the war crimes commited at that prison and use the privates and sargents as witnesses. if the big ones keep getting away then somthing truly big will get them. thats just a history lesson...

[Susan]

I hate those bastards, too...I'm a single mother, 24/7, struggling financially for years now because my ex is "voluntarily unemployed" (DSHS' term) so he won't have to pay support. B of A just charged me hundreds of dollars in overdraft fees because THEIR system didn't register my transaction before theirs. It kills me how they are able to charge these fees one minute after midnight but a deposit made earlier in the day doesn't get counted until four days later...then they tell me I'M the one in the wrong! I am furious with them. I feel like they've stolen our money, and believe me I work hard for it. I don't know how I'm going to feed my child until Friday. I've had to overcome a brain tumor and domestic violence and much more only to deal with jerks like these....I've worked hard, "pulled myself up by my bootstraps", volunteer my time to PWAs and raise money for AIDS community groups, work the crisis line for a domestic violence agency, and more. What do THEY do for the community? I do know they gave money to re-elect Dubya....I'm not surprised.

[Jennifer Kellogg]

I feel the same. I deposited $1000.00 and then transfered some money and they charged me 99.00 for the overdraft fees. They make so much money off of us poor people!!!!

Jen

[AnnwithanE]

I hate BOA. I have to bank there for my employer's various accounts, and while there they take part of my paycheck for cashing it. Like it was so much trouble. They have upwards of $200 billion and they feel the need to take my $5.00.

I just cannot fathom that if your employer gives you a check (minus all of the taxes and whatever the feds and state take from you) it is not worth what they say it is unless you bank with your employer's bank. It doesn't say on the face of the check, Pay to the order of Jane Doe One Hundred Dollars, minus whatever you want to take from her. There is an exact figure and it is signed. Only in America can BOA rob from the poor so they get richer. And the more disgusting you think they are, they are laughing (all the way to the bank, except they are the bank).

Additionally, if you are not an "account holder" they can do anything to you and charge anything because their fees are not regulated.

However, Americans keep doing business with them, they will keep getting rich on the backs of the poor.

As for re-electing Dubya, he's the problem. He made the statement to a group of his rich supporters, calling them "the haves and have-mores." I am a have-not. He also smirked, "Some people call you the elite. I call you my base." I saw part of this speech and he definitely said this. This 1% of America laughs at us and charges these fees and sits back to enjoy. I promise you that you won't see any of them helping in any shelters or sending any of theirs to fight for this country.

'Nuf said.

[Marcus]

Let me tell you my sad story. My credit card payment was due on the 12th of the month which was a Saturday. On the 11th I went to the B of A website to make my payment. Alas, it would not let me make a payment as the 12th was not a business day. (Okay if the 12th isn't a business day then how can my payment be due!) So I put the payment in and it said that it would post on Monday. Well, I went on and decided I would call them on Monday. I called them on Monday and explained what I had attempted to do. Now let me explain that up to that time, my payments had always been on time...Come to find out that they charged me a $39 late fee and because that put me over my limit, they charged another $39 over the limit fee! I asked them that since I had not been late before if they would waive the fees. The customer service associate attempted to waive the late fee, but the system would not let him and he talked to his supervisor and the supervisor said that fee could not be waived. They did eventually waive the over the limit fee, but only after I asked. I closed the account. Now get this, I got my next bill and it said I had a past due amount and I apparently made the wrong assumption that the past due amount included the payment that had not made it in time. Well apparently I was WRONG! They did post the last payment to the previous statement, even though technically it was late. So when I got the next bill I made sure that I paid more than what was listed on the past due amount, assuming that part of the past due was included from the late payment. Well apparently I was wrong. And guess what, good old B of A charged me another late fee. That is why I hate B of A!!

[Sammy]

I hate bank of america! Those bastards charged me $84 in overdraft fees over $1.85 and $2.00 in coffee! I tried talking to the guys and they took such a hardline. They wouldn't even listen to me, those bastards! I have my tuition coming up in a couple days and this would mean a lot to me and I told him that! And the mother fucker said, "I am NOT going to reverse these charges, is there something else I could help you with?" I should have said, "Have your mother get good knee pads, she's going to be spending a lot of time down there." God I hate them, my blood boiling, I worked hard for that money, so hard.. and those fuckers are just going to take it away!!!! What he hell is goin on!?!?!

[Emily]

I f*ing hate that shitty bank. I am normally an extremely calm person, but Bank of America makes me want to kill someone. Why the hell is it that I make a damn payment and then I call to get my balance and they say it is 40 dollars more than it was last time I checked it? And I try to pay off the damn credit card and close my account so that I never have to deal with those A-holes again--and they are closed. "Oh, I'm sorry m'am, but you will have to call back someother time because the department you need is closed right now." Well thanks a lot, maybe you can charge me some more fees in between now and then. ARGGG I am so pissed of at these assholes. Of course, they don't give a shit, because all the jerks that run it are rich. I sure am glad they are living fat and happy from my f*ing banking fees while I can barely pay my bills and still eat on a daily basis.

[Randy Schilling]

I also HATE BOA. They went to extremes to STEAL my Money. I used their online Banking because I have 2 cards on my account. Well, unlike their advertising states their system didn't show 2 transactions one for $8.49 and one for $11.00 anyways I had a deposit coming in and they actually backdated the posting date of those two transactions so that they could charge me $33.00 each. I'm emailing all my friends and family and I'm going to convince them to AVOID BANK OF AMERICA. I spent hours on the phone and in the Bank only for them to tell me some story about how their system is. Well here's my thought "They take your money and you have no way of defending yourself, they take it without your concent. Isn't that stealing?" Well the greedy bastards just made their last $66.00 off of me. I am going to copy this link into an email and start sending it out so people will se I'm not the only one Bank Of America STEALS FROM. We need to teach Bank of America that customers aren't ALWAYS wrong and that being the greedy money sucking vampire bank is costing them business.

[Jeff]

I hate BOFA, and I don't even bank there. Check this out. Somebody writes me a check drawn on a BOFA account. So I go there to cash it. They told me they were going to charge me $5 to cash a check drawn on thier own fuc*king bank becuase I don't have an account there. They also charge employees $5 to cash their payroll checks. That's gotta be illegal. Stupid me, I thought that they were supposed to honor checks at face value, if the account and signature are good. Not these assh*oles. C'mon, there are BOFA checks that point to a BOFA account. They just want a piece of the action. Guess what? You wanna write me a check? Your bank is BOFA? Add $5, cause your check is worth face value-$5. Time for a class-action suit. Hey man, whatever agreements they get their STUPID customers to sign ain't my business. I didn't sign SHIT! So how do they get off taking $5 from me? Gotta be illegal. F*uck BOFA.

[Jen]

People seem to forget that a bank is a business. Place yourself in their shoes for all of about 10 minutes. If you owned a deli, would you constantly give out stuff? Just because you are a regular customer there? Your business would go under quickly. The banks take in an enormous amount of money-but the majority of it is held up in federal insurance, known as FDIC, that they have to keep on reserve. They're revenues consist mostly of fees and interest charged on loan products. When people start complaining about banks-they don't realize how uneducated they sound. If you don't know the prinicples of banking-which are simple-then your the one with the issues. Fault does not lie with the bank when you are the one overdrawing your account. Trauma such as cancer and domestic abuse, as tragic as they are-are not conducive to overdrawing your account. People seem to think that if it is a relatively small amount such as $2.50 that it shouldn't be considered an overdraft. Well if you have $1.00 in yoru account and something comes in for a greater amount-its an overdraft-cut and dry. If you don't have, don't use it!

[Jim Boyd]

Ok,
My story.
I deposited a 6,000 dollar check and waited a couple of days. Their website had the check as a posted transaction, not pending. I printed the page up because I know how dishonet BoA is. I spent against it. Then the check went back into pending, thus caused tons of overdrafts and overdraft fees. When confronting the bank about it and showing them my print out, they said , "Yes, it posts to your account but when you deposit through an ATM machine, it can take it out of your posted transaction account to put it on hold"
Also, I had an incident where I bought a coffee, that coffee purchase caused about 10 other purchases to be overdrawn (had I not bought the coffee, nothing would have been over drawn) but they order things by dollar value when posting, that is how they make a killing in over draft fees. When I confronted them as to why do they order things by dollar amount when posting and not by the day and time of purchase. They said that is what the customers all want. That is bullshit, no one in their right mind would want that.
BoA is there to make money, not to help you out. You have little control of you money with BoA. My advice, close the account, open a new one with a credit union (non-profit). And spread the message on what a shit BoA is. BoA is stealing your money. Research the lawsuit they lost in CA, for stealing people's Social Security benefits.
After I moved to a Credit Union, it seems like I have more money mow.

[Former Employee]

Well get this... I'm a former bank of america employee. I worked in the Fraud Dept. My husband just recently left to fight the war for Iraqi Freedom. I just got a job promotion through bank of america as a claims investigator the day before i go to this new job they FIRED ME!!!!! Unjust claims...discrimination agains't fmla employees and not to mention if your manager doesn't like dealing with your questions or concerns your flat out fired. As I look at all your other postings regarding hating bank of america...there is so much more on the inside you dont know about that sneaky bank....lets put it this way....you think your account information is safe...yet below and behold its laying on the floor somewhere or lying around on peoples desks for days or in the trash cans that get taken out by the garbage man on a daily basis. Nothing is safe through that company...all they care about is themselves and their money...no care for the protection of customers accounts. I would like to join you all in saying. :FU CK YOU BANK OF AMERICA!!!!

[Current Employee]

I'm a CURRENT employee of Bank of America and I join you all in saying "FVCK YOU, BANK OF AMERICA!!!" Like the above poster said, there is so much more on the inside that would make the average person's blood boil if they had to put up with it on a daily basis. Unfortunately with the job market the way it is, I'm stuck here until I finish my nursing school. At least the bank is paying for that, but its still not a good enough reason to sell my soul to the devil.

I'm not religious at all, but I have realized that I have sold my soul, and I will have to do a lot of repenting to make up for my time spent doing the devil's work!!!

[David Howard]

They just sold my work phone number to a telemarket firm, now I get calls at work all the time. wtf?!?

[Steph]

ok ha check this out. Someone opens an account under my name. Transfers money to it. When I find out I call say I didn't order this and wish for it to be closed. They say no problem they tranfer hasn't gone through yet we'll just set everything straight. 3 weeks later I get a bill from them. I say WHAT!!! So I call them again. They say that they have no record of me calling and that there is nothing that they can do since the tranfer had now been completed that I have to now pay them 6,800.00 plus to overdrafted so I get charged another 40.00 for that. I've reported them to BBB. And am seeking legal action again them. These people need to be stopped.

[J Milt]

I would encourage you all to stop using BankofAmerica, and encourage you to encourage your friends, family, and acquaintances to do the same. This institution deserves to go under. They are the equilvalent of theives.

Every month, when I had a BofA card, I found it humorous to see what kind of fee they could come up since I had paid my bill on time. Regardless of my performance, those F*ck*rs could come up with some bogus charge.

[CRUSHING THEM FROM THE INSIDE]

Our large bank was aquired by BOA some years ago. I'm Still on the inside now and everything said here is true and worse, much worse. I see cover-ups everyday for "budget purposes". Oh!! and talk about security breaches!!!! Mama Mia!!! Did you know they hire temporary employees of the street to handle your sensitive info, because they don't have to pay them benefits or decent wages. Then when their done with them, they through the pissed-off ,once-hopefuls, back in the street with all your info. And over half of the temps hired look, act and speak as though they came directly from Ghetto Idiot training class. You couldn't possibly imagine!!!!!
If the customer doesn't know his rights, that works in their favor. In the past I too have received the bogus fees, the false holds on the check cards, the overlimit fees on finance charges. It's worse on the inside. I tell everyone I know not to use them at all. Even our rules and regulations for employees are not specific, but "at your managers discrection". What kinda loop-hole bullshit is this????!!!!!. I hope Bank of America gets another class action law suite. But this time of Enron epic proportion. They really need to be exposed. I and another coworker said that when we finally leave we will go on 60 minutes anonymously to expose everything. (anonymously because they have you sign legal documents when hired, that state you won't rat them out when you leave.) DOWN WITH BOA CRUSHING THEM FROM THE INSIDE

[Looking for a new bank]

Yes, B of A has made a small forture from me and I'm sick and tired of their stealing my hard earned money. I've paid 142.00 in overdraft fees for 6.00 dollars. That's the final straw I'm shopping for a new bank and I'm firing Bank of America for miss managing my hard earned money.

[kwinkle]

I am glad to know I am not the only one - I closed my checking account with BOA because of the way they handle direct deposits - but I still have a credit card with them - I always pay my bill on time but usually the minimum because the fees are so high it is all I can afford - but listen to this - even though I pay the payment on time every month all of the sudden 4 months ago the account goes over the credit line (1800.00) by about .23 cents but i did not even use thew card!! Of course they charge me a 39.00 fee. So I pay that and the overage charge - now my account is way below the credit line by about 60.00 - well since the finance charges are usually about 30.00 I figure I am fine - no, what I did not know was that the payment the bill said was due did not include the other charges (gee whiz, why didn't I use my mind-reading talents??) So the next month another 39.00 charge for late fee AND a over credit limit charge - huh? I was not over the credit limit - heck I haven't even used the card!!!!!!! So I call - I am informed that If you do not pay the total amount due on the due date you are charged a late fee AND an overlimit fee even if you are not overlimit because if your payment is late it is LIKE you are over limit????? Huh????????? Since that occured - for the past four months I have paid and paid and paid - the total of payments has been over 600.00 dollars on an 1800.00 balance - my balance remains at 1700.00 plus because I am charged this overlimit fee every month even though the account is NOT over the limit. It certainly seems that must be illegal or at the very least highly unethical!!!!!

[Phillip Evans]

I made one...ONE...mistake. Firestone decided to take two weeks before "batching" their poop, and the debit for my purchase did not even show up as pending. I thought I had more money. I got fined for FOUR separate withdrawals in one morning...withdrawals I had made when the account balance said I had plenty of money...one of those withdrawals was less that 3 bucks. I admit I made one mistake of not looking with an magifying glass at the pending and posted withdrawals, but at no time was what I did worth $68 dollars. Now I am $96 overdrawn, and when the lady I spoke to at the branch office said that she could not reverse even one of them, she ended the conversation with "Have a nice day." HAVE A NICE DAY!?! I am a student with no money, and now I'm overdraw by nearly $100, and "HAVE A NICE DAY"? Maybe she meant "HAVE a nice day", or "Have a NICE day", or "Have a nice DAY"! Bite my blinding, white @$$!! I guess the corporations want struggling students to suck like leaches the money out of the people. That's why they have mandatory auto insurance. That way, I either can't travel to and fro to improve my condition, or I have to be rich in order to try to get a job. Thank goodness for food banks. There is one consolation...because they elected not to be lenient, THEY are short $96. I can just pocket my money and change my address. They have ripped off only themselves. And if they try to collect, you know what I'm going to say...? "Have a nice day!"

[Jeff]

I can't believe that Bank of America just robbed my family of $132 just before Christmas!!!

I had enough money in my account to cover three transactions scheduled to come through. Those showed in my "pending" as one charge for $2, one for $17, and one for $7. One that did NOT show in my pending was an EFT for $213. All four went through on the same business day, and OF COURSE they charged my account the $213 first, so that there wouldn't be enough for the others. So instead of generating ONE overdraft fee, I got FOUR! Had they debited the account for the others FIRST I would only have gotten one overdraft fee for the $213, which NEVER showed in the pending to be taken out!

Add to that, the transfer I made for $100 into that account that they didn't count until the next day, even though they say, "the first $100 of any deposit is available immediately." I guess that is unless they can extort $132 from an out of work American family just a couple of days before Christmas! Those UNFAIR overdraft fees actually resulted in my account being overdrawn again the next day, and now they are really robbing me blind.

I guess this is what they mean by the rich keep getting richer and the poor keep getting poorer. When I spoke to them about which one they took first, they couldn't have cared less. They treated me like I was dirt on their shoe!!! This is how to treat a person that has been their customer for 10 years? They read me the script like a robot, regardless of me actually making sense. I would hear, "I understand how you feel, but..." But I guess those phone jockeys are trained to care as much as the greedy CEO of this organization.

I have told all of my neighbors, I will be telling my co-workers, friends, family, and everyone I come into contact with from now on. Everyone will know how Bank of America robbed a family just before Christmas, and cost us the meal we were planning to buy for our Christmas dinner.

[God]

Cry Babies...

Handle your finances properly and you will not be forced to feel as though you have been ROBBED or wronged in any way. You do not have to be rich or wealthy to do so. In fact, being "strapped for cash" should make it easier for you to add and subtract the minimal funds available. It makes no sense why individuals like yourselfs blame businesses for charging you fees based upon the terms and guidelines you accepted when using them for business. If you wish to avoid these situations, follow the terms you agreed upon or take your buisiness elsewhere. However, be certain to read the terms and conditions of your new bank account before you face the reality that you are the problem!!!!
Life becomes simple when you accept responsibility for your own actions.

[The Corporate Devil]

I agree with the the last person posting on this blog. You must handle your finances properly. But, when you have been a customer for 20 years with BofA and they are allowed to change the terms and conditions without "proper" notification who should accept the responsibility?

When I am not notified that fees will be put in place and I will be charged $33 for every overdraft:

BofA needs to accept responsibility!

When I have never, ever, ever in my life as a customer tried to deposit a fake check, yet the system flags my employer's check every time and subjects it to a hold of 2-3 business days, which could be 5 days over a weekend:

BofA needs to accept responsibility!

When checks are placed on hold, so I never know when funds will be available to me and I get hit with approximately $1000 in overdraft fees over the year:

BofA needs to accept responsibility!

[Not a baby]

All banks charge overdrafts!!! If you balance your acount you want have them. You all need to grow up and learn how to manage money.