Being a customer of USAA (switched over about a year ago) it is just refreshing to know that not all banks are predatory like BofA…some still believe in smart, fair, and honest business.

Called the # ont he letter. Why?
First they said because of competitive market. I said if that is the case you should be LOWERING rates, not jacking them up. Second, they said it was because the cost of money went up. Told them the fed rate has not changed, so your cost is the same. Third, they said it was because of losses.

So there it is. Good folks paying for the bad folks. Our company hates BOA.

Me: “Hey, I realized that I accidentally went negative on my account yesterday, it’s the end of the month and I get paid tomorrow but you know, money gets tight when your paid once a month haha”

BofA fucktard: “Oh yes haha, I can understand that”

Me: “Well, I transferred money from my savings account to take care of the negative balance, it was only like 5 bucks for the 5 purchases, I bought a couple of snacks throughout the day, love them snacks you know haha.”

BofA fucktard: “Haha oh yes, I can relate to that I’m not just some corporate robot devoid of a heart or human emotion.”

Me: “Oh good! well my fellow man, I was wondering if you might be able to reduce the the 5 charges of $35 on my account since you seem so empathetic; after all, it was only $5 that was overdrawn, if I had known I was buying a $36 dallor diet coke I probably would have thought twice know what I’m sayin! hahahaha!

BofA fucktard: Oh yes! haha $36 dollar coke! that’s a good one!…….lets see, I can maybe refund 1 of the fees….oh wait our policy changed so I can’t do that hahaha.

Me: >:| ……………..I fucking hate you (*click*)

I don’t want to sell it, it’s one of only two snares that I own at the moment (the other being a 1970 Ludwig Super Sensitive). But you could do what I did and make one pretty easily. There is really not much to it. Read both posts on this project and you’ll know everything you need to know to create your own.

I got Bank of America by a promotion of a baseball shirt. Since I was in the military and am now living at home in a different city, there are no credit unions nearby, so I decided to try a bank. Big mistake for youngsters like myself. Luckily, the gentleman I started my account with explained to me EVERYTHING I could think of asking about, but what’s scary is what I really found out.

BofA (worst-dubbed abbr. ever!) has a policy to charge you $8.50 a month for not: a) having $1,500 in checking account every month, or b) have direct deposit into it. With credit unions, I didn’t have that problem. Luckily, the guy who helped me got me a deal of “student banking” & military banking”- which just means I don’t have to pay those horrendous fees, which really shouldn’t be there in the first place.

My problem is the corporation’s policies. If you deposit a check, your funds are not available for 10 business days, and because of the holiday/deposited on a Friday, I have to wait 17 ACTUAL DAYS TO GET PAID. Alright, I didn’t know that, and didn’t find out until I took a trip almost 300 miles away, in another state. (Thankfully, it wasn’t an emergency. I still had a credit card, from my credit union.)Therefore, I started my acct. with $100 in it, deposited a check for about $750 (so, $850 total), and then withdrew my “available funds” for $200 the next day. I thought it was weird I couldn’t withdraw the full amount like I wanted to, but thought, “Okay, so maybe the guy lied to me, and I can’t withdraw $700, only $200 a day from an atm.” That would be fine, except when I tried going the next day, I couldn’t withdraw ANY cash from an atm. That Tuesday, after Columbus Day, I went to a teller in NV, who told me I didn’t have any funds in my account (she said ANY, even though I should have $650 left) and explained they can’t do ANYTHING about it at the bank, and to call BofA to find out why. I was explained my check was held for 10 business days, putting me at the 20th to withdraw from my account. “Why was I able to withdraw $200 then?” I asked, knowing I didn’t have $200 before that check. The lady explained to me that Bank of America gives us $100 to be able to withdraw immediately, but no more until the check is “resolved.” Well, “Why wasn’t I explained this before,” I asked her supervisor, and was told that all the ATMs disclose that my check deposits MAY be subject to a hold, meaning it can be done “WHENEVER BANK OF AMERICA FEELS THEY NEED TO,” AND “IF CAN EXTEND THAT PERIOD (of 10 business days) WITHOUT NOTIFICATION.” I thought this was more than ludicrous, and asked my complaint to be submitted verbatim to the Bank of America Corporation, but the lady only stated that she would type up the report to be forwarded. Also, I’m not sent any notification whatsoever unless I complain via mail, so I asked for the address to send to them there.

Another thing is, “for future reference,” I can deposit my check with a teller, but the same policies & procedures apply, except that I SHOULD receive a letter explaining my check was placed on hold. When I asked on the phone conversation, “WHY CAN’T BANK OF AMERICA AT LEAST TELL ME when they place my check on hold,” I was explained that they don’t at the moment. Apparently, Bank of America’s been living in the middle of century, before modern telephones/cellular phones were invented.

So, defeated at this battle by no-faced voices reading ancient scriptures of rules & bank policies, I decided to lick my wounds & die another day, lastly voicing, “If I ever knew this was going to happen, I wouldn’t have ever banked with Bank of America.” It’s much different from a credit union. “But that’s not as safe,” she told me. “At least if everyone’s taking my money from my acct, I would be able to, as well,” I retorted.

If “ALL BANKS ARE LIKE THIS,” like she says, then f%$ them, I’ll just drive 100 miles if I need to to get to my credit union.
–
“Its time they break them up like the old ATT.” -formerbofa

It’s funny you mention “AT&T,” because growing up, I’ve heard bad about them; Then, they took over my dear Cingular (which I liked); unfortunately, I’m paying my own bills now and am dealing with their horrid cellular service & terrible customer service; I miss the old gel figure’s company that they murdered by combining into their blood-sucking “ATT-tack” corporation… but that’s for another thread.

thanks matt

I also had like 5 overcharges for about 10 dollars total and got charged around $200…then was told I would have two of the fees removed…had NONE removed and then I called back, was treated AWFULLY and only had one removed. Then when I put in a large…very, very, very large check that I had been waiting on, they put it on hold for DAYS!!!!!!!! I needed that money and the teller/manager told me it was because my account had been overdrawn…well I had put in enough money to pay back the $10 I owed but apparently they feel the need to STEAL MONEY in overdraft charges! I HATE THEM!!!!!!!!!!!!!

I went to draw out $200 from the machine and it did not give me my money and then it stated to talk to the bank teller because there was an error. It deducted the amount from my account but did not give me the money. So I go up to the teller named Elsa and told her what just happened. She stated she could not credit my account and that they do not maintain the machines there. That I had to phone the bank headquarters and tell them what just happened.

Then to add insult to injury, I went to draw out an additional $200 from the bank because I needed cash as I was going to Costco. So she asked for my photo ID and I handed it to her, but since my ID expired on my birthday last week and I haven’t had a chance to go to the DMV to get a new one she would not let me withdraw money from my account. This despite the fact that it was obvious it was me on my ID. So I had to use the phone located at the branch and sit on hold forever. Then I finally talk to a customer service rep about what happened and which machine it was, etc. Lots of people kept coming up to that machine and they put no out of order sign on the machine despite the fact that it robbed me of my money. I was on the phone next to the teller station between the cash machine and where the tellers were and talking to a woman on waiting to use that phone to talk to the customer service. The teller was not involved in my conversation but I told the woman behind me what just happened and that I was thinking about switching banks due to this. This is not the first time I have had customer service issues with Bank of America.

Anyhoo, the teller inserted herself into my conversation and started talking about MY ACCOUNT WITH A TOTAL STRANGER. That was the final straw. So not only did Bank of America rob me of my $200 and not allow me to withdraw any money from my account but then they shared PRIVATE information with a stranger. I am beyond livid.

So then I had to drive across town to the other Bank of America location and attempt to withdraw money. I couldn’t withdraw the full amount I wanted because the bank machine thinks I withdrew a certain amount and there is a withdraw limit with ATM machines for a given day. So I was only able to withdraw $100 for going to Costco and had to borrow an additional $100 from my mom until tomorrow when I am allowed to withdraw more from my account.

When I spoke to customer service on the phone they will make a ruling in 45 days to see if I am allowed to have my money that they robbed from me. They will temporarily credit my account in about a week for the $200 but it is no guarantee that I will get it and that they will determine if I am allowed my money in 45 days.

Needless to say I am pretty livid about what happened. Anyone know a good bank in the area? I have been a customer of Bank of America since 1990 and have never bounced a single check and this is the treatment I got. The absolute insult and final straw was the bank teller discussing my private bank information with a total stranger. She was not invited to participate in my conversation and to just start telling a stranger about my account information was just too much. My conversation was only about the ATM and mentioned that since my ID just expired I also could not withdraw any money from my account. Then the teller went on about my account information to this woman. I was in absolute shock she did this!

So for now I am out $200, and all the other insult to the situation just put it over the top.

I am now bank shopping. I will be moving from my Bank of America relationship and will be an ex customer shortly. What a nightmare as I have payments set up with that bank account for bills, etc. This is going to be a hassle to change banks but with what just happened and the treatment I got from that teller was the final straw.