I have been banking with Bank of America for over ten years. Last week I closed my account because Bank of America had somehow removed overdraft protection from my account & charged me $175.00 for 4 overdrafts. The largest charge to my account was for less than $25.00; the smallest was $1.29 for a cup of coffee. After you tack on the overdraft fee off $35.00; that was the most expensive cup of coffee I have/will ever have. With thousands of dollars in our savings account the branch manager informed me that it was impossible that I had overdraft protection on my checking account because it did not currently show up in her system; even though I had initially set it up when I established the savings account.

So let me get this straight, B of A is giving out over $100.00 to new customers, but can't afford to drop my overdraft fees for their own mistake?
All the branch manager had to do was remove the charges & make it right. I will tell everyone I ever run across to stay away from B of A.

The offer was 0% APR for 12 months on balance transfers and the banker sold it as saving money on high interest cards. But she didn't mention the 3% transfer fee. It was mentioned in the agreement, but buried among the penalties for late payment etc. And in not so plain English. Well the 3% transfer fee up on the full balance is more than the interest I'd pay in a year. And Bank of America wouldn't cancel the balance transfers when I caught on, even though they hadn't yet made the electronic funds transfers. Oh, I can transfer the money back to B of A (Bunch of Assh...?), but that would end up costing me even more.

What really pisses me off is that they do this to a customer who has been banking with them for years, violating my trust in my bank to look out for me, rather than just trying to suck all the fees they can.

I'm looking for a new bank...

MBNA!!! Why did you sell out to these loosers? My mother never had a problem with her MBNA card. I closed my mother's Bank of America credit card account after she passed away; that's when the crazy stuff started. I guess Bank of America thought that she should have paid her monthly statement first. Her gold master card, that she had for 20 years, jumped from a very low rate to 21.9%. If you have their credit card insurance, please dump it; they didn't pay for anything. If you have a Bank of Amr card, dump it, transfer the balance to a better card, and if they purchase your bank or cards...move your money!!!

A little over a year ago a Bank of America representative almost begged me to take a credit card. I explained that I didn't want it, but of course she said it was too good of a deal to turn down. I have almost believed her until now.

I used the new card and did everything I was supposed to do. I paid my bill on time (except for one time and I called them to let them no what was going on) and I never went over my credit limit.

Several months later they increased my credit limit. Again I used the card a good bit and was probably piling up to much credit card debt, but again I played by the rules. It did get to a point where I was having to pay the minimum payment and that only works to the banks favor because half of what I was paying was going straight back to them in interest charges.

My interest rate has been 13.24% and like I was saying, the interest I was paying was my fault for charging too much debt. Still, I paid by payments and NEVER went over my limit.

Now I get a letter in the mail that says my APR is increasing to over 19%. Of course I can reject this increase, but I can never use the card again. If I do the increase takes affect on the entire balance.

The reasoning behind the increase that was given to me was:
1. My balance was to close to my limit
2. My interest rate was too low for my credit score in the first place.

This is ridiculous. I never asked for this card or the too low interest rate. They threw it at me. Also, they are the ones that set my credit limit, then raised my credit limit and tell me what I have to pay each month. Now they are going to penalize me for their carelessness. This is the reason that some banks are having the problems they are having. They give hard working people like me credit even though I might not be deserving of it so that they can make a few extra bucks in interest. Now because of the economy those people are not able to pay anymore and the banks are having to figure out how to get out of this mess.

Something should be done about this. I am still making my payments and will do what I have to to pay off my debt, but I will not stand to be treated like this by a bunch of money hungry crooks!

This has been happening for years and it seems I am the latest victim. Last week (on the 2nd of March, of the year 2009), my account was suspiciously overdrawn according to BoA email and their Website. The weekend prior, I had decided to buy a xbox 360, and went on the website to make sure I had enough money to do so. The site said I had a total of 274 dollars, which should have included all the items that were waiting to be processed in their system.

However, this sadly wasn't the case. There were 3 items, in my honest opinion, left out on purpose. They hadn't been processed for over a week, and for some reason never was accounted for when the system told me I had 274 dollars remaining. They weren't even on the web page when I looked at it. Even on the day prior to the overdraft, they weren't even there, leaving me to believe they had been taken care of.

On the 2nd of March, I get a notice, telling me I have insufficient funds in my account, even though I got an email that day telling me I had 10 dollars remaining. Turns out the first 2 items had been charged. The first item was a 16 dollar haircut and the second one was a 5 dollar fast food order. They took out the 16 dollar one first, then the 5 dollar one, so that I would be overdrafted, not once, but twice, to maximize profit.

All the while, I was told in emails that I had money still on my account. Then on Friday, March 6th, I was charged 10 dollars for an item I bought twice on paypal in the course of 10 mins, both 10 dollars. The first one I bought, went through the next day, the one that I just got overdrafted on took over 1 week. I had bought them on Feb 25th. This was also never on the account, or never taken in consideration on how much money I had left.

Today, March 9th, I went into BoA to discuss this issue with them. I brought proof of what I am saying with me, with printed emails, exact print outs from their site, emails from them, and all the receipts. I told them that I had been overdrafted unfairly, and wanted to discuss this matter. I asked the Employee why was the 16 dollar purchase first, before the 5 dollar one. She said it was in the system first, which is true. However, here's the kicker. The xbox 360 that I had bought that weekend, was processed before any one of these ever were.

When I pointed this out they told me that it was my fault for not keep track of what was going on with the system. I am 19 years old and in this day of age, most teenagers don't really keep track of how much they spend, they just go online to see how much is remaining and take it as is. So I asked to file a petition to have these fees reversed due to that. They told me I had overdrafted my account 3 months ago, which was a lie. I hadn't overdrafted the account for over 8 months, last time in July.

Before I forget, during this whole process, I asked her how long can a company not report any charges to a debt card. They told me 3 days and after that we don't consider the charge valid.

Soon after this, I asked them about the whole paypal thing and why was it not processed when the other was. They told me that paypal didn't report it...which would mean the 3 days were up right? No. They said you will need to discuss with Paypal, even though it was over the 3 day reporting period. They still charged me for the overdraft on that, even though what they said earlier contradicted this charge.

I was charged over 120 dollars for a 'system error.' I would have gladly paid for the 16 dollar overdraft fee, but they insisted it was all my fault and not theirs. That being said, I had clear evidence they were keeping things back and not showing them up on my account. Were they doing it on purpose? I hope not, but it really looks that way.

I am happy to say that I am done with them for ever. They obviously are more worried about getting money than keep customers, even though, they are the ones giving it to them in the first place.