Bank of america is taking food from my mouth and the clothes off my back!!! With all the current complaints regarding B of A I cannot believe all the customes are going to receive was a lame $78. Come on people, we must fight to win!!! I recently read that B of A made $38 million dollars last year in 2008 from overdraft fees alone from it's customers-all the banks combined stole $40 BILLION FROM CUSTOMERS LAST YEAR this was based on the $400.00 yearly amount that the average household gave Bank of America for fees. ARE YOU SERIOUS THAT THEY WERE ONLY WILLING TO GIVE US BACK $78 STINKIN' BUCKS BACK FROM THE CLASS ACTION SUIT? I don't know about you readers, but I do my business on the internet and all my money goes from paypal directly into my Bank of America account. For some reason Bank of America thinks its good business to wait until up to 8 days to give me my deposits thus charging me many fees - when the money should have been there many days prior. My boyfriend has City Bank and Wells Fargo and when we transfer money from paypal, it is available the next day - But BOFA waits anywhere from 5-8 days - ARE YOU SERIOUS BOFA! THEY ARE BLATANT THIEVES They hold the money until they can bounce everything they can - then all the sudden there is the deposit I made over a week ago - Then of course they take all the fees from the deposit leaving you nothing. When you call them of course they say they held nothing and that it is Paypal's fault. But if I have no charges pending then the deposit is made instantly, so explain that one BOFA! - why do you hold my deposits on the days I have charges pending - then if I have no charges pending you give me the deposit right away? THE REAL KICKER HERE IS THE OVERDRAFT FEES they charge you in the weirdest order in an effort to obtain as many bounced fees as they can. What happened to the days when you could understand your balances and charges? Bank of America is known to clear the highest charges first - NO MATTER WHAT DAYS IN THE ORDER THAT ACTUALLY HIT THE ACCOUNT! BOFA will hold all the small charges and wait for the large charge to clear thus causing a massive amount of overdaft fees. I have given this bank way more than $400 per year - I have given them $400.00 in the last month alone!!! I have no food in my fridge, no gas in my car, no way to even get to work the rest of the week and they stole any extra money I had at all to live. I WORK FOR AN ACCOUNTING COMPANY AND I BALANCE THINGS EVERYDAY - There is no way A GENIUS can even balance a B of A account that has automatic deposits and withdrawls because they hold the charges until you HAVE NO MONEY - EVEN THE AUTOMATIC CHARGES GET HELD - when hello!!! Thats why they are automatic - they are supposed to charged at the same day every month - but Bank of America will be sure that won't happen. If you have an automatic charge set up for the 25th of the month and you made a deposit in the 20th to cover that - how can that it be that they hold that deopsit past those 5 days until that charge bounces, then all the suddent the next day after they access the overdraft fee, there is the deposit you made 5 days ago???"UGH" I am so livid over this!!! I want to throw this computer in the face of a BOFA EXEC! The economy is horrible and people have no jobs and yet they think MADEOFF is the worst person out there??? I beg to differ, Bank of America takes way more from it's customers in the long run then MADEOFF ever did. 40 BILLION TO BE EXACT! I currently have a negative balance of $210.00 due to the overdraft charges - and I was informed that 4 more charges will hit tomorrow - When I looked at the charges that supposedly did not clear - these are things that had planty of money in there to clear - had BOFA not stolen all the money in the first place. Your bank is supposed to be a place that protects your money not steals every cent they can. These days it seems better to not have a bank account and use cash for everything. Now they have this thing where if you leave the account negative for 5 days they start assessing more fees - the regular customer that is on unemployment or feeding a family cannot get out of this whole they dug for us. They can keep that damn $78 and stick it up their rich butts because that joke of a refund would do no absolutely nothing for me or anyone else that I know that has an account with them. They will just take that $78.00 back eventually in fees, so its a win win for them. I was expecting 1 overdraft fee this month that's how it was all balanced out, which I could have handled - but they made sure to tweak it a bit and get 6 charges out of me at once. That I cannot handle and in 5 days when I cannot cover it, they will charge me another one! By they way, when the economy hit the crapper, BOFA was the only bank still profitting - as shown in the stock market profiles. So the government bail out helped the banks steal even more from us. Is there another lawsuit coming soon? Does anyone feel the same as me and my several friends with this bank. What happened to the days the bank cleared the charges in the order they hit the bank? This is our money that we sweat for we should be able to spend it as we please, but bank of america believes they should put the charges in the order they want so they can profit. "so people" get out of bofa get out from under their lies, and give them no more of our hard earned money. Their customer service is so used to the same complaints that they have a regular department for overdraft complaints now and the people that help you are downright rude and given a strict script to follow that will result in you crying on the phone and BOFA making you feel like an idiot that cannot balance a simple checking account the way you were taught to balance. They will not refund any overdraft fees so don't even waste your breath-The reps laugh at you now too! Like ha ha you should have known that would happen since we did it to you last month... THERE HAS TO BE SOMEHING TO DO - I mean, is it right that I could have paid off my car loan with the amount I have given BOFA in the last 2 years? What can we do besides get $78.00??? HELP HELP HELP! WE NEED A LAWYER THAT CAN MAKE SOMETHING HAPPEN!
I did not even mention that they also raised my credit card % rate to 27%- which I cancelled!
SOCAL Andrea
Anaheim, California
U.S.A.
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