B of A froze my only bank account after somebody complained that I fraudulently transferred money from their account it took me 2 days before I could unfreeze it with the help of Los angel’s DA's office after they gave her the run around. Apparently this individual had made a similar accusation in may and they had frozen my account which I was not ware of until now and investigated it and saw nothing wrong on my part, they never had the courtesy to notify me about this false accusation and the same individual made the same accusation again and they froze my accent again this time was in need of money from my bank and found out about it immediately the bank would not tell me why or the reason for 2 days until the day got involved.. They put me through hell for 2 days and my branch manager who threw me out...not able to help a loyal customer for 18 years.
No body apologized to me until I called them demanding an apology

AFTER 4 YEARS WITH NO FEES...ALL OF A SUDDEN THE BANK CHARGES ME 5.95 FOR A MONTHLY SERVICE FEE. AS THIS IS AN ACCOUNT STRICTLY FOR AUTO BILL PAYMENT AND DEBIT CARD USE IT IS WELL ACCOUNTED FOR TO THE DIME. WELL, THE FEE PUT THE ACCOUNT IN THE RED THIS MONTH BECAUSE I NEVER EXPECTED A FEE LAST MONTH...SO A $5 McDONALDS COST $40 THANKS TO A $35 NSF FEE. IF THAT WASN'T ENOUGH, THIS MONTH THEY CHARGED $8.95 FOR THE MONTHLY SERVICE FEE...THEY INCREASED THEM IN JUNE...AND AGAIN MORE RIDICULOUS NSF FEES.

NO WORRIES...CLOSING THIS ACCOUNT AND GOING TO REGIONS BANK...WHERE FREE CHECKING = FREE CHECKING.

BANK OF AMERICA STEALS 1/2 MY UNEMPLOYMENT CHECK

Am unemployed. Have auto deposit unemployment which would be been deposited to my Bank of America checking account at 0001 hours on 7 July 2009. Woke up this morning to find that Bank of America had processed payments PRIOR to crediting the deposit, taking $280.00 (8 overdraft fees @ $35.00 each) from my account, leaving only $6.09 for me to live on. I request that the $280.00 be credited to my account immediately.

My family and I went to Destin Florida for 4th of July weekend when arriving there I Called Bank of America to let them know that i would be using the debit card, they ask me for my FIN, I had not memorise the number, I was informed based on that my account could not be accessed, this was the first time during a travel I was ever ask that question. I pleaded with customer service that my call was to inform them that my card was not stolen and please do not put a block on my card, ask me a question a person on the road can give answers too. My card was blocked emediatey. The next day 4th July I talked to customer service for cards stolen the only people working, that my card was a business card and they were closed. My family and I sleep in my car Fri, Sat. night, not having funds to pay for a place to stay, My daughter an I have suffered sever sunburn because of this, my hope is that skin cancer does not result from this event.

I never applied for or asked for a Bank of America Master card. My bank was bought out, and Bank of America sent me one, one day out of the blue. Within a few months BoA was told to close that branch because they owned too many in our stae, so close together. For years, I didn't even use this card, once I did, BoA began to raise the credit limit again and again, tempting me to spend more and more, but I ddidn't.
Finally, after doing some checking on what makes a credit score even beter, I wrote to them and asked them not to raise the credit limit any more on my account with out asking me frst, I just didn't think it looked good. I have never missed a payment or been late ever, on any bill for any reason, ib my lifetime, and I am in my mid 50's and been a BoA customer for years now. My credit score is excellent, I just checked again w/all 3 credit agencies.
First BoA began sending statements late, however, I knew the due date and I always pay them early, I still payed on time, even with BoA's little game of a black out date, where when you pay they claim it was for the month before, not the month you sent it for. Fortunately I never fell for this games of theirs either. Then they told me they were changing my fixed rate of 8% to a variable of 14.24% and so my option was, not to use the card and pay off this debt amount. So, I told BoA I refused to use their card again and would pay it off at the rate of 8% fixed that we agreed to. However, I got a refund on a purchase I made before any of this happened. BoA was going to claim, "Since I used the card after the change date, I had to pay the high rates"..I argued It was a refund, not a purchase and it was still before the change date, of their "sudden" change in terms".( which I feel is a contract breach) I called Senator Dodd. Now BoA has stopped the 14.25% for a "refund", which indeed was NOT a purchase, so I am back to 8% again. To get this I had to take the whole purchase that was made 2 months before any changes to the acount and move it to another card! However, BoA did accept the refunded money from the merchant! This is blackmail.
Now BoA has changed my credit limit to the amount due! This ended any thoughts I may have had of ever using that card again in the future when they end this nonsense, even in an emegency, not that I would at 14.25% variable!! Anyone with an excellent credit rating should never pay more then a single digit amount for a credit card, there are too many other banks that would love our business.

I've never paid over a single digit for interest in my life, and why should those of us w/good credit pay higher?
Now, this change of BoA, which I feel is a breech of contract on their part, is becoming lower then low, as they are trying to ruin my credit score. Because of BoA, it "appears to a creditor that I have spent to my limit on my Bank of America Master card", which I didn't do, they lowered the limit on my cards by 50% to the amount due, , "to make more money". Their claim to me on the phone when I called to ask why they were doing this to good customers of many decades, they claimed. "They weren't making enough money on my account"? Until 2006, I rarely used the card and I have in the past shown that I can spend and pay it all off. Now that times are harder and our children need help, I have helped them, and now I am still paying well over any minimums they throw at me, I pay 10% or more each month and I don't feel I owe a lot . I feel given the breach of contract by BoA and their promise, "to not change the terms unless I defaulted, missed a payment, or spent over my limit"..I haven't done any of these things, ever! Bank of America told me on the phone that Chase Bank and Citi Bank we're all going to do the same thing.
If this is the truth, and since they all seem to know this before we Chase Customers are told, isn't this conspiracy between the three banks to defraud their customers? How can one bank anounnce what the others will do and not have spoken to them?

If there is a class action law suit, I want to be part of it. I have heard that since Dodd placed NO ceiling on interest rate caps, and the banks can raise the rates until the new "Consumer credit card Bill" goes into effect as much and as high as they want to, for no reason to anyone, we'll get no help until next year, and by then still no caps, that the Banks will continue to charge as much as they wish to, and we can not even file Bankrupsy, should we ever need to.

But wait, there is more. The three banks are going to now DOUBLE the minimum payments due from us, from 2% and 5% to 10%.or more, due as their new "minimum. So, if you pay 800.00 now you'l be paying 1600.00 soon a month, and since this is their minimum, we are all in trouble.
These means, for me, that my now paying off 10% of the balance monthly will become "only paying the minimum", and further damage my credit rating should I attempt to get a loan to get rid of these slave traders and consumer thugs. Congressman Liberman in my state, had his spokesperson call me on another mater about AIG, Lieberman's office "feels that the companies should be able to charge as much as they want to in interest, and that "Not everyone should have a credit card, and yes what they are doing is fair, "they have to make money too you know". (Lieberman also isn't going to support Obama on Health care either, so be prepared)".

Every one of us should not be defrauded by Banks, lured with low rates, having them raise your credit limit without asking you, then if you ever use it they lower it to amount due, , and if you use it, they throw out their contract with you, they change all rules and ruin a persons credit score, "just because they can" and Congress does nothing to help we the people, After al these senators will tell you, it's "Because they aren't making enough money on our accounts and Banks need to make money too"?

Please, Include me in if a class action law suit opens. The Banks borrowed easily from us and we will pay for their "loan" in the near future, count on it. These three banks need to be stopped and some class action lawyer should step up on this one for the people of America, especially those of us who didn't break a single rule.! Not that the rest of you who they hurt shouldn't go after them also.