On the 15th of February, I logged on to my Bank of America (hereafter referred to as BoA) net account to verify my payment for the month. Funds are automatically withdrawn on the 17th of each month for a predetermined amount. BoA was having some sort of "We Love Our Customers" promotion (Valentines Day?) and offered a one-time deal of paying just $15.00 for the February billing period. I "signed-up" made the proper changes, authorized it and that was that. Move ahead to February 26. I go to my bank to make a deposit and discover, to my horror, that I have only $13.00 in my account: my balance should have been $940.00. Coincidentally I get my latest statement from BoA that afternoon. Instead of billing me $15.00 for February, they have billed me TWICE for $300.00 ($600.00 total) and then on 02/19 they bill me again for $327.00, apparently for the March bill (which isn't due until 03/17). I call customer service right away and although I'm assured, after 45 minutes, that I will get the initial $600.00 back, I am told that this probably happened due to "Operator Error"... ie, it was my fault (!) I make a second call the next day when I learned of the $327.00 taken on the 19th. And while the guy ultimately agreed that I was owed the money, this twit actually had the nerve to come right out and say that it was my fault. When I asked for a letter from BoA explaining what had occurred so that I could present it to my other creditors when I was late for any payment, I got a flat out "NO". Flash ahead to Monday, 03/05. I receive a check for $327.00. I call BoA and ask where the other $600.00 is. The CA tells me that she sees a request for the funds, but that it has not yet been authorized. Today: 03/07. I call Customer Satisfaction w/ BoA. I inquire, once again, as to the status of the $600.00 . This person proceeds to tell me that there is no refund coming, that $300.00 was used to pay last month's bill, and the other $300.00 is for this months bill, again due 03/17. In disgust I finally said, "here's the deal, you folks send me my $600.00 AND a letter of apology, or you won't see another payment from me. Let's see...$600.00 versus $11,000.00 in an unsecured loan. YOU FIGURE IT OUT".

There are two sites that consumers can visit to do more than vent about Bank of America. http://www.bbb.org/ is a Better Business Bureau site. Readers might be interested to know that this bank, even though it has dozens of "Bash" sites, has a satisfactory rating with the BBB, in fact the headquarters in my state has not had a complaint in 36 months. I think more people need to cut and paste that link and report them for all their short comings, maybe then they would be held accountable. Another site where you can research laws governing the BofA and report any suspected fraud on their behalf is http://www.occ.treas.gov/ this is a great tool for consumers. Hope this helps you because it sure helps us.

Letter from Bank of America:

Dear James Stewart,

Payee: COMCAST-BURLINGTON
Scheduled Payment Date: 9/25/06
Amount: $120.00

Thank you for your recent inquiry regarding your payment to COMCAST-BURLINGTON made through Online Banking Bill Pay. This inquiry was already responded to on September 26. We are unable to cancel or change this payment because it has already processed. You may contact your payee directly to obtain a refund of this payment. If there was someone here who had the ability to honor your request we would, however, there is no one who has the capability to do so.

You may cancel or edit payment information online, without our assistance, as long as the payment status is "Scheduled."

We apologize if this creates an inconvenience.

You are entitled to receive a copy of any document that we relied upon during our investigation and/or processing of your request. To request documents, you can e-mail us anytime and we will send the appropriate documents by U.S. mail.

Thank you for choosing Bank of America. For further assistance, please contact us by e-mail or phone, 800.933.6262, Online Banking Bill Pay.
----------
GENERAL E-MAIL

DATE:09/27/2006 TIME:09:02:16 MSG. NBR:03690927090216352006

FROM: 35026154055 STEWART, JAMES

TO: Customer Service

Account: 0095074-xxxxx
Transaction Date: 09/25/2006
Transaction Type: Online Transaction
Amount: $120.00-
Reference No: 00094320925
Transaction Description/Payee Name: COMCAST-BURLINGTON Bill Payment
Payee Account#:
Reason for Inquiry: Question about canceling a payment
Late Fee: No
Late Fee Waived:
Late Fee Amount:
Fin Charge: No
Fin Charge Waived:
Fin Charge Amount:
Select a payee type: Cable television
Work Phone number:
Home Phone number:
Contact Name:
Contact Phone:
Contact Date:
Customer Message: Reverse this DUPLICATE TRANSACTION OR direct me to someone who can--

*Note: For a bill payment you originated through Online Banking, we have provisionally made the payment on your behalf. You must deposit or transfer sufficient funds into your account by 5:00 p.m. (Eastern time) 1 business day after the date provided above to ensure the payment is completed. If you do not, the payment may be reversed. In either event, a fee may be assessed to your account.

--------------------------------------------------------------------------------

Dear James Stewart,

Payee: Comcast - Burlington
Scheduled Payment Date: September 25, 2006
Amount: $120

Thank you for your recent inquiry regarding your payment to Comcast - Burlington made through Online Banking Bill Pay.

We are unable to cancel or change this payment because it has already processed. You may wish to allow time for the payment to post, and then contact your payee to obtain a refund of this payment. You may cancel or edit payment information online, without our assistance, as long as the payment status is "Scheduled." We appreciate your patience and apologize for any inconvenience this may cause.

You are entitled to receive a copy of any document that we relied upon during our investigation and/or processing of your request. To request documents, you can e-mail us anytime and we will send the appropriate documents by U.S. mail.

Thank you for choosing Bank of America. For further assistance, please contact us by e-mail or phone, 800.933.6262, Online Banking Bill Pay.
----------
GENERAL E-MAIL

DATE:09/26/2006 TIME:07:57:49 MSG. NBR:94640926075749162006

FROM: 35026154055 STEWART, JAMES

TO: Customer Service

Account: 0095074-xxxxx
Transaction Date: 09/25/2006
Transaction Type: Online Transaction
Amount: $120.00-
Reference No: 00094320925
Transaction Description/Payee Name: COMCAST-BURLINGTON Bill Payment
Payee Account#:
Reason for Inquiry: Question about canceling a payment
Late Fee: No
Late Fee Waived:
Late Fee Amount:
Fin Charge: No
Fin Charge Waived:
Fin Charge Amount:
Select a payee type: Cable television
Work Phone number:
Home Phone number:
Contact Name:
Contact Phone:
Contact Date:
Customer Message: Already debited from my account at $113.00 please cancel duplicate payment which caused an overdraft.

I have a credit score of 748. My credit card statements were lost/mis-directed and I was late on a payment. My introductory 0% rate credit card immediately jumped to 16.99% costing me over $200. B of A policy is that upon request their manager will call within 24 hours. Eight days later I called back and finally spoke with a manager. If I had been a B of A customer in any other way, in addition to the credit card, I may have had some leverage to have the introductory rate reinstated. However, I am now stuck paying the extra interest, but I just sent the full payoff amount so they won't get more than the $200 out of me. I requested that I be put on their 'do not solicit' list and told Clinton P., the manager, that if they made a mistake and contacted me that I too would be unable to show any mercy and I would push the situation as far as I could. I'll never consider B of A with either my personal or my company accounts again. Credit Unions have been so much easier to work with!