Today I found a wallet in the #6 subway station at 23rd St., NYC. Among the variety of cards inside was a BofA debit card. Unable to find the owner via phone or the web, I called Bank of America, figuring they could pass my name and number on to the rightful owner.

1st call to BofA customer service: After three transfers, I was disconnected.

2nd call to BofA customer service: After one transfer, I was disconnected.

3rd call to BofA customer service: The customer service rep took the number down and promptly closed the account. Then she told me she couldn't pass my information on to the card holder. "We're an incoming center only, " she explained.

"How do I get an outgoing center, then?" I asked.

"We don't have outgoing centers, " she answered.

I finally reached the wallet owner through a nearby dance studio, whose card was also in the wallet. The owner, of course, was quite grateful.

As a would-be good samaritan, I was terribly frustrated in my dealings with the bank, which sought only to protect its own interests, not those of the customer.

So a word to the wise: If you lose your wallet and you're a Bank of America customer, odds are good that you'll never see the wallet again, even if an honest citizen wants to return it to you.

Bank of America received stimulus money for bad decisions. I have been out of work for almost 3 months now and they will not do anything due to that fact I have a BofA Credit Card and Home Loan and I collect unemployment despite the fact that my debt is more than 150 % of my unemployment. And 120% is from BofA debt alone.

05/1/2009 - [email protected]

Complaint:: My check is direct deposited every two weeks on a Thursday so on Wednesday (day before I get paid) I go around town and pay 3 very large bills with a check and I write 2 small checks for cigarettes, drinks and mail off an additional check. Thursday morning at 12:00am I am monitoring my online BOA account and I have a small overdrawn balance and I update until my direct deposit is received @ 12:05am I have over $1300.00 now I am showing a positive balance and no returned checks I also signed my account up to send me alerts to my cell phones for NSF, direct deposit, and a daily balance. I go shopping Thursday morning after I woke up and dropped my vehicle off to be worked on and got a rental and went shopping and out to eat I pick my car up Thursday afternoon and paid for everything and go home all the bills are paid and I have gone out to eat and shopped and still have money left over I feel good that I have paid bills and got the kids summer shoes and my car is up to date on everything so I'm happy I can relax now. I log into my account first thing when I get home on Thursday and see 5 checks that I had written the day before next to a C for cleared status so I check off in my check book that these checks have been cleared and are paid because the online banking center says the bank paid them and I have plenty of money in my account. Later on Thursday night I log back on to my account to make sure all my debit's have cleared from shopping and vehicle repairs and I see that BOA has credited me back for all 5 checks this is the same day that I have gotten paid I then notice five $35.00 pending fee's conveniently they do not specify NSF (yet) I called the bank and they explained that the checks where presented electronically on the day before (Wednesday) all 5 of them on the day I dropped them off were presented for payments and I asked why they where not posted on the account the day before they said that they are marked NSF when they are presented for payment then they go into review at 12:00 midnight meaning Thursday I asked why they where not posted NSF on my online banking account on Wednesday when they decided to return them and why I did not get my Alerts sent to my cell phone for NSF the supervisor said they are not responsible for not receiving emailed alerts and that the system updates between 12:00am and 6:00am of the next day and I said well why were they marked cleared as if you have paid them and then you credit them back they have nothing to say at all I said if they are in review at 12:00am midnight at the same time my $1300.00 pay check is being direct deposited why did you return them they said they can not refund me the NSF fees because it was not the banks fault that the balance during review at 12:00am-6:00am is more than enough to cover costs that the day after something is posted does not count for the item being presented for payment that the balance for the day before (the day it was presented for payment) is the balance that is effective for the item being returned which is the same thing as moving things around in the system to make the bank more money in fees but instead they make it a "policy" and I told them that I could have prevented another check that I have mailed out from bouncing if I had known that these items we're returned and I was charged $175.00 in fees when all 5 of the checks were returned but it was not posted to my account on Thursday at 12:05am for being returned Wednesday and I did not receive any alerts for NSF and they will not give me my $175.00 in NSF back and I told them to note to the account that I am on my way to the ATM to take out every dollar left before they take the $650.00 left for something that they didn't post the day they decided to pull something out of their ass. I took all this money out so I can go and pay those bills which after $175.00 in fees is not enough and the check I mailed off is not important as Rent, Water, and Electric which is what was returned and then the check I mailed off has now (a day later on Friday) just been posted to my account as cleared and about 30 minutes ago it shows them refunding me the check they took out and is showing a pending $35.00 fee (not specifying NSF conveniently) now I have made a deposit to make my account in the positive by $1.00 and as soon as I pay all the checks they have returned I will close this account I have already called my employer and stopped direct deposit from this bank. I also have a Wood Forest National Bank account (Walmart bank) and they are the best! WoodForest gives you your direct deposit pay check a day early and if they return my check they post it to my account immediately and they post NSF instead of 35 pending fee and then a day later post NSF. Woodforest also does not do credit checks and I have a $400.00 line of credit to over draft now that I have had my account with them for 6 months. I changed my payroll from Woodforest to BOA to get the keep the change where you get money for debit transactions and I have not yet signed up for this service but I will not be signing up for it and I am going back to Woodforest where they refund you 1 NSF or OD Fee a year and they know your face and name and if you OD your account to bad they will put in on a loan for you with no credit check and charge you a small amount monthly until you pay it off so you wont get continuous OD fees and most importantly they admit when they are wrong unlike Bank of America.

We signed up for email alerts to inform us when our checking account was approaching 500.00.
Last week we got a snail mail alert (which we've never received before) telling us our account was overdrawn and
that we had accessed 450.00 in overdraft charges. We happen to have a savings account with them that unfortunately,
according to them at least, was not connected to our checking that would have prevented any overdrafting.

I called them today to ask about this and was initially talking to a girl who honestly spoke like a 12yr. old San Fernando Valley girl, it was extremely difficult to understand her, but after about 5 min. of being constantly put on hold while she pulled up my account I was informed that the last email alert they sent us was back in February 09, "well, I understand that, so why didn't you send us one last week"? "I dunno", was basically her response, I am NOT kidding...I asked her before she wasted anymore of my time whether she was in any position to refund these charges and that if not could she please just go ahead and transfer up the next rung to someone who was...she did.

I then spoke to a woman who instructed me that I should connect my savings with my checking to avoid this in the future and that as far as the email alerts go "we have problems in email addresses ending in .net and .com" I AM NOT KIDDING.
I told her, "well that must give you problems with about 90% of your customers I would presume..", "I don't understand what you're saying sir..." Once I got my jaw off the floor I told her that after reading about and hearing reports about B of A
in the news lately I wasn't surprised that she too, obviously was in no real position to approve a refund of these exhorbitant and fraudulent fees would she please connect me with someone who really was, if that someone even existed in her company...she then transfered me to Tony, who after dilly-dallying around with my issues proclaimed that Bank of America does not provide email alerts, (and they are called ALERTS) as a reason for someone to protect themselves from overdraft charges, but are merely a tool they use to "help our customers monitor their account balances".

I'm still reeling about this and am so totally disgusted with this corrupt and vile institution, I plead that our Government explode this unethical institution into a million parts...never to see the light of day again.

I entered the Bank of America located at 1672 E. 2nd Street, Beaumont, Ca to cash my payroll check drawn on Bank of America (note, I do not have a Bank of America account). I work for the county of Los Angeles and I have cashed my check at many other Bank of America branches with no issues. On this particular day I handed over my payroll to check to the teller who stated immediately he needed to get an approval due to the check being over his limit, note the check was for $1220.00, the though of race, I am African American did enter my head. Sales Service Specialist, Adriana Portillo, came over who perused me up and down and then assisted the teller, received and reviewed my California State Issued Drivers license, processed the check through their system and just when the teller was to give me my funds, Ms. Portillo, yelled out to the teller, "Stop, Don't give her any money", which was quite embarrassing. I asked what was the problem, Mr. Portillo stated hold on I need to speak with the manager. A few seconds later she came over and said "We cannot cash your check, you need to take it and deposit it in your own bank". I asked "What? Ms. Portillo, said once again "We cannot cash your check, and you need to go to your own bank". Once again, I stated, "Why? This is my payroll check. Do you have a problem accepting a check issued from Los Angeles County? She said, "No, My manager said we cannot take your check". I asked for the manager's business card and Ms. Portillo said "I will give you mine and will write her name on the back, she in turn wrote the managers name Roxy Smith. I took my check and vacated the bank. The next day I contacted my legal department for Los Angeles County who assured me that should not have happened and that the reason Los Angeles County does through Bank of America to allow their employees accessibility to the high number of Bank of America branches available to cash payroll checks. The legal office of Los Angeles County contacted and spoke with manager Roxy Smith, who stated to them "The bank can do whatever they want and can turn away anyone they wanted to. The reason that they did not cash my check was because Bank of America has a sophisticated system which reflected that I was cashing a check at a branch not in my area. She also alluded to the fact that I was not cashing the check near my home nor near my work. My question" Who is Roxy Smith to decide where I cash my check. if the funds are available and I provided acceptable identification.

I went to another Bank of America branch the following day and I cashed my check just fine with no problems. I also addressed the prior days issued with the branch who did cash my check and they also stated that it was not the bank manager to question the validity of my home address to my banking location. Roxy Smith never came out of her office but did not have a problem dictating that I could not cash my Los Angeles County issued payroll check. I am wondering is this a racial issue, I was the only African American in the bank. I felt extremely disrespected and highly embarrassed. I felt racially persecuted and judged.