I thought these days banks treasure their good reliable spenders but I was so wrong after talking to their customer service one night last week. Apparently part of their credit card business (not sure about the others because I really dont like BofA all along) is based on "gotcha, bastard!".

I was literally $13 over my 20K limit in May when I paid a club membership that's worth 16K thru my their visa card. Then I was slapped on a $39 fine, which I complained about and got it refunded, but then I was charged $49 followed by another $14.

This bank is not for real. It's clear to me part of their core business model is built on their clients' carelessness instead of their credit worthy, nor relationships. The "I win, because you screw up, ha ha" childish mindset explains why banks like this are crooks and should not be rewarded with any business whatsoever, and their arrogant customer service, let alone a bail out.

I spent close to 100K through them since May 2008. Knowing this bank is such a mean bank I should have taken the business to somewhere else. Shame on me.

It's never too late. Just closed this thing once and for all. No regret from either side.

Bye bye BofA. I hope your chapter 11 is just around the corner.

Beware of Bank of America's new checking policies. They will give you a overdraft fee before your transaction even posts. They now have changed their rules to make even more money. They just started a extended overdraft fee. It states that if you account is in the negative for more than 5 business days that you will receive a extended overdraft fee of $35 and they consider Saturdays and Sundays to be business days.

I have items pending in my account I went to deposit additional funds because i notice they had put a automatic debit through earlier this money then the previous months so to cover all charges I made the deposit how about they accessed me with an overdraft fee of $35 I called them and was told their wasn't enought funds in my account when items were purchased I informed them there was BOA put my autimatic draft through early this month and I wanted to know why, well there was really no real answer so I will be closing this account that I have had for over 17 years when they where Barrnett Bank how sad in these days who can be losing money... Beware of the Banks in America.

Just to let everyone know do not get a gold loan option from Bank of America. If you are late they will penalize you 559.00 dollars on a 25k loan. Do not be late and do not use them if you can.

I made a purchase on DH Gate.com - CHINA. They sent me damaged items. I have an online protection purchase on bank of america, so I filed a dispute regarding the items I got. They asked for documentation after documentation, faxes after faxes, which I sent... then in the end, denied my claim saying I have to contact the seller! I contact the seller before filing a dispute which I sent to bank of America, they closed the dispute without letting my know... IS THERE ANYBODY OUTTHERE THAT WE CAN FILE A CLASS ACTION AGAINST BANK OF AMERICA... they would rather steal your money, side with the fraud merchant like dh gate!