My husband and I have been banking with Bank of America for 4 years and we would get charged for misc. Fee's which were our fault we'll admit. However within these last 12 months we have been hit with NSF. And overdraft charges that could have been prevented or should have not been on our account. One complaint is, we will call the bank at 7pm to see how much money is in our account and it will state we have for instance $300.28... Follow me here okay so, we want to do something that evening and since we have money there and my husbands payroll is being deposited by 12am if anything outstanding goes through it will be covered... So you would think since we have money there at 7pm according to the bank but, NO!!! The next day we will call or go on-line to see that we were hit with 5... Yes I wrote "5" Over draft charges... Now 5 x 28 = 140.00 this is just in fee's alone and the way this has happened is "according to the bank" we had 5 checks out there and they cleared around 5pm (what happen to the money that was there at 7pm?) okay so, here is the amount of the checks $380, $125, $50, $23 and $75 in a debit charge on what we did the night before when at 7pm we had money in our account. Now what they did is put the $380 check through that way all the other ones will bounce and they wont only make $28, they will make 5x28= $140 and how convenient. One
One other time they told us that is how are checks fell in order on going through yea right! Anyways, the next time around they told me that it is their policy to pay the biggest first and down to the smallest. Hmm so, if they cared anything about their customers and valued them I would think that they would make sure that they would cover the smallest to the biggest that way you would only have 1 overdraft charge.
#2 complaint Since when do they approve debit purchases when there is no money or not enough money to cover it??? Any other bank will decline the card... Again Bank of America will approve it and worst yet, they will hit you with a $28 over draft fee and god help you if you have anything going through that evening.
#3 Complaint one minute they have their policy one way (however it fits the occasional that moment) and the next time you call the policy has changed and they tell you it has always been that way since they started working there (what did they do? Start working there yesterday) Oh no... They say 10 years. I can not keep up with the daily changes or these ridicules fee's any longer!!! I tell the bank representative that is pissing me off with all the B. S she is trying to get me to swallow as she thinks I am an idiot... NOT! I tell her or him that I feel that they treat their customers as a cash cow and they should take care of their customers and value them allot better if they want to keep them and what I hear in response is they do all these wonderful things to protect your account and you and they are sorry that I feel the way I do but, all those charges are correct and they wont remove them but, have a great day!!!: o) I can go on for hours on how terrible they are and yada yada yada... And now I know why my Dad and Mom dropped Bank of America like a hot potato and they banked with them for well over 25 years up until two years ago.
At any rate... The moral of the story is STAY FAR AWAY from BANK OF AMERICA unless you like being frustrated (on a daily basis) or robbed from your hard earned money. THEY HAVE LOST US FOR GOOD and if they keep up all this wonderful work they will lose more because greed kills any type of company I don't who you are and they are GREEDY BASTARDS!!!
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