I had a checking account with the bank for over 7 years and a credit card and a debit card. We had excellent credit wit them.
Then my husband got ill and we starting having some problems. But not for a while. We had applied online for a cash advance from our checking account and then declined it and the company did e-mail us back that they had received our decline notice. Well about a week later there was a $200.00 deposit in there from a Fast Cash company? So I notified the bank and told them that that was not authorized at all and they were very rude and said that I must have authorized it because it was done! I said no it was not! I authorized one company and they e-mailed me back but one lady called me on my cell phone and her name is Kendra Beggs and I have not returned her call and she keeps telling me to go online and sign the agreement and I am not going to and she wants to me to go and sign in to their website and I have spammed them out and cannot get to them to stop them because I do not know how to let them back in to get them to stop it and have not been able to reach her back!
Well they did nothing to stop it and were adamant about the fact that I did it and must have done this. I said to them"Look if you go anywhere and apply for anything, then guess what? You would give them your checking account number, and then your social security number and all that information for them to approve a loan right?" Well that did not happen and even if it did? I did not approve that!!! That was done through our computer through your SSL site! And you need to check it out!!! I want a fraud alert done and it to be done!
So about two weeks later what do they do but allow that withdrawal to come out of $60.00 and then again of $50.00 again and two weeks again and two weeks later! So this begins a lengthy process over and over for over a year!!! Then they say if not done in 60 days too bad right? Well they screwed us over a couple of times by messing up and then saying that they did not get the claim request! Bull! They did too!
Then finally after a year of this I raised total hell and demanded something be done and so finally they stopped this and put a hold on this and watched for the withdrawal. Then it came through and they ran one for $60.00 and it was stopped so they got clever and ran one for $45.00 instead of $50.00 and did it as a check in my name and what did Bank of America do? Let it go through!!!
Check Fraud this time!!! Then they did not pay it back forever! So we put a complete hold on the account and total inconvenience and it looked as though the account was overdrawn by $888,000!! And left it that way. Well they did not tell me that all checks that came through would not be honored! So they bounced all of our insurance deductions and some payouts that were already out and had been paid and never bothered to ask me! So then I got letters from all of these companies for bounced checks and then the Bank wrote letters on our behalf and I had to do all the footwork and pick up all the checks and then give them the letters to get the bank draft fees taken care of. But they did not return the one $45.00 check fraud check back until later on and it caused a time warner check to bounce and then they denied me the $35.00 fee on that one!
So we had opened another account while I had gone in there one day. This other one we had was opened 7 years earlier. Now they have online another one that shows -$220.00? What? I never even opened that one! What were they talking about? They never ever returned my e-mails at all and when they did they never ever got the gist of what I was saying and would say they would be glad in helping assist me in opening a new account??? Crazy Crazy! Total nuts!
So I said well forget it then I do not owe you money and I do not know what the heck you are talking about with this checking account that I never even opened up? So I left it! Then I opened the other one... Then we had some OD's with that one by being $3.00 off! And that was their mistake and why? Because I drove up and had the deposit in my hand and made that deposit and asked the girl if I was on time and she said yes! And it would go in that days transactions and I was fine and not overdrawn at all! This was on Monday! From the weekends transactions! So on Tuesday guess what? 7 $35.00 fees!
I was furious! They refunded 2 and then the girl even admitted what she said to me and took up for me and they still did not do anything!!!
So we ate that one. Then the final straw? I went in one day a couple of weeks ago to make a deposit. The usual thing I do is pay the bills, drop them off at the mail box after 4:00 and then go straight to the bank. So I did and took my check there and had an insurance check and an IRS check with me. Then the girl says to me "oh, we no longer take 3rd party checks anymore... And. If we did I would not be able to take them anyway because your husband's name is not on the account".
I said "what do you mean you do not take 3rd party checks"? What?"you mean to tell me IRS and State Farm?" She replied yes and "your husband is not on the account either". I re-plied "why isn't he?" "I applied online as usual like last time and he was on that one"? She re-plied "No maam you applied in this branch".
I said "yes, you are right, but the one I did do in this bank 7 years ago if you go and look at that one guess what? My husband did not sign on that one either and it was a joint account! I was the only one here that day and opened it for both of us as well as you have some bogus one there online and it states for two of us as well". And you sent me a letter stating that you just took out $220.00 from my account and then that you were going to turn me in to credit reporting agencies! How dare you take money from my account that you cannot prove that I even owe that!!!
She said nothing at all about that but said "Mrs Hansen we are not talking about any other account right now but this one." I said well let me tell you something, you just said that my husband is not on that account yet you have allowed him to write checks in my name for 8 months and that is illegal because I spoke with someone already about this and they refunded 3 of the overdrafts and said that you would return the other 4 of them". She then stated "No we will not". I said to her "you cannot do that when all this time you allowed this for 8 months and then all of a sudden today after she tells me she does not take 3rd party checks and now you say you do? I drive through and make a deposit and guess what? My husbands name were on them!" Your bank took them without asking one question! So that is a problem now isn't it? She replied "I am not responsible for what my tellers do".
I said to her "I think that you are if you manage this place and tell me one thing and then cause me overdrafts because you did not allow those checks to be deposited and that caused me overdrafts. She then said "well maybe you should not of paid your bills maam ahead of time if you did not have the money in the bank when you did"?
I freaked out! I said "wait a minute lady!" "How was I supposed to know after 8 months of having this checking account that my husband was not on this account and you have allowed him to write on this account and pay bills for all this time and what if we were divorced? Then that is illegal then?! And you were allowing them in! Then all of a sudden you are saying, that you are not taking these checks and I am getting punished for something I had no idea about it and did something I have been doing all along for 8 months and now you say I should of known this and tell me that no one ever does not do that and then go straight to the bank and then deposit the check lady?"! Give me a break!
She said "I am not refunding the money and I certainly do not pay my bills unless the money is there first!" And if you want to press fraud charges against your husband you can". I said "WHAT? Fraud on him? Yeah right?" You guys are so screwed up!" You owe me money and it was there!" That is wrong on your part and I do not owe you any money at all and this is totally unacceptable for this practice and I am not putting any more money into this account at all and it will just have to stay overdrawn! And guess what lady??!!
According to the banking laws?"It clearly states that if a customer has habitual Overdraft Fees and you just stated that to me and that is why you will not refund our money? Then that customer is not credit worthy! Right? Well then they state in the banking laws that the debit card is allowed to go over if that person is credit worthy! If the customer is a habitual OD fee person then the priviledges are provoked and are no longer available to them for the services because the bank does it as a priviledge service to that customer because they trust them!" Well we are not too trustworthy don't you think?" And we owe you guys over $5,000!!! So I would say that does not look to good on our part now does it!? And you just took out $220 that you said we owe you for OD fees which we do not which further would lead me to believe that if I was a Bank? I would certainly cut that customer off!!!
So I think that you guys are scammers and want to make money off of your customers and why do I think that? Because Bank of America is the second largest in the world and lost their butts over the last few quarters loaning to middle class who cannot pay back loans to you! And you can stick it to the man with OD fees and get your money back that way isn't that right???!!
You got in the top 10 list of the worst business list ever! In customer satisfaction! No one likes bank of america because you are unfair practice acts! You do it on purpose!
Who would give credit to someone who owes over $5,000 and who od's over and over and has bad credit and you know it and has a habitual record for it as you state? Yet you continue to allow that account to go overdrawn up to $550?? The cutoff i was told was $400. Oo so why that high and then on the old account with fraud? Go and look at all the activity on it on od's? And you sent one check back 5 times! Why??? To bring that fee up bank of america to $400.00 then stop and then what did you do?
Let it happen again only to start over again and rack them back up again. Now surely any reputable company would have stopped that would they not??? Not you idiots! Your steal from people and then let my husband write on my account and that is ok? And that first account?
His name was on that one and he never ever was there! So why wasn't he on this one when i signed him up? Poor poor poor excuses!
I am not paying for your ridiculous mistakes! Eat it as far as i am concerned! You gave the credit, you deserve it! I had that money there in the first place, i was not overdrawn as you say i am too bad for you! Prove that! That is illegal.
And when I said "how about we get copies of all the deposits that have been made to the account and if my husband is on them will you refund the money you would not do it at all and refused me that service! Then I said well I need to talk to you about the other account and not getting back the $35.00 and you said to me "we are finished for the day and you need to go!"" I said no I want to see the other account and I need some information on it and you refused that too and said you would walk me out!" You flat our refused me service!
You knew you were wrong Bank of America and that is why you refused me those deposits for proof on you because you knew I had you and I will get you trust me. I am sick of you and others like you who bully people like us with your corporate crap and act like that is that! Well I will find a way to make sure you get yours and it looks like others are too!!! Good for us consumers who are sick of you big ole companies who push us around and think we are just going to put our tails between our legs! No way anymore!!!
And you can have my name too Carol!!! I do not care!
Carol
Austin, Texas
United States Minor Outlying Islands
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