Several Complaints here.. I have just had it with this bank. They treat their customers like second-rate citzens even after we bailed them out with OUR tax dollars.

First, I had to fly out to Las Vegas because my Uncle became ill. While I was there he found out that he had terminal cancer and had a short time to live. He asked me to take care of some things because all of his family is from Michigan. He had a notary come to the hospital and filled out a General Power of Attorney and a Medical Power of attorney so that I could access his accounts and safety deposit box. I arrived at the bank and the manager denied me stating IT HAD TO BE ON THEIR FORM. I called the notary and she said that it was a legal document and they had to honor it. She even payed a visit to the bank manager and they still refused. We got the bank form but by that time; my uncle passed. I will now have to go back to Nevada several times over a VERY small estate that will cost more to settle than what he had. In the mean time; THEY FROZE MY BANK ACCOUNT!!! and put a FRAUD ALLERT ON IT!!! They had no compassion or care! It took over an hour to get it straightened out.

I arrived back in Michigan and needed a few bank statements to reconciile my Dad's account. I waited 30 minutes at their Telegraph location and finally spoke to someone who told me we would be charged. I was NEVER charged when it was Laselle. All of the kind tellers we had when it was Laselle were now gone. I was upset and left. I went to their Michigan Ave location and waited 40 minutes. Today, I went in to find out why I have not received my current statement and was told "Check with your local post office". I walked out and decided to file a complaint via email. I was now emailed back twice stating that all complaints must be sent via the US POST OFFICE only... so I stopped here... I hope they do not have any other policies or procedures when I go to withdraw all of our accounts. I feel more than an appology is necessary at this point.

Hard times have hit many people. More than we want to realize. When in trouble where do we go but to our bank. Our business has taken a huge hit, things have slowed. We have never been late on a car payment. This month I know the bills will be late. I called BofA to apply for an extension on the car note and was told that in order to apply you must be 30 days current. That means there cannot be more than 30 days passed since your last payment. I made our payment on the 4th of the month before and called them on the 7th of this month, 3 days past the 30 day mark. Sorry, was the answer I got. 'Make a payment and then you can apply'. Excuse me? If I could make the payment I wouldn't be calling for an extension, right? When I asked them where I could drop the vehicle off so they can have it back they changed their tune some, but it didn't change a thing. Am I wrong?

BofA have changed their policies since we opened our account. We have been banking with them for at least 10 years. I have also been hit by NSF funds because when a cash deposit is made they don't credit it right away. When I complained about that I was told it's their policy but spoke to a customer service rep one day who was extremely nice and looked up state laws for me. BofA will do their own thing and disregard each states individual banking laws, and in Mass, I believe a cash deposit is supposed to be made available immediately. The tellers, bank managers, atm receipts, phone banking all make those cash deposits 'available', not pending, all but the BIG system, who backtracks and holds the deposits. Find out the laws in your state and go from there.

BofA is soon going to be a bank of my past. Local credit unions are where its at.

A Texas law firm is investigating Citigroup and other banks for taking out secret life insurance policies on current and former employees, and collecting the benefits when they die.

http://insurancenewsnet.com/article.asp?n=1&neID=20090113290.2_e8e10061f739577c

HOUSTON, Jan 13, 2009 (BUSINESS WIRE)-- Attorneys from Houston's The Clearman Law Firm ( www.clearmanlaw.com ) are announcing a nationwide investigation of banks that have purchased secret life insurance policies in order to collect benefits when current and former employees die.

Many of the world's largest banks have purchased "bank-owned life insurance" or "BOLI" for years, including Bank of America, JP Morgan Chase, Bear Stearns, Citigroup, Wachovia, Washington Mutual, Wells Fargo and many others.

"We are investigating banks that insure the lives of employees without their knowledge or consent, " says class-action attorney Scott Clearman of The Clearman Law Firm. "These types of policies benefit only the banks, not their employees."

In a BOLI program, a bank designates itself as the beneficiary of life insurance policies covering its employees. Nearly half of all U.S. banks have reported owning BOLI policies at an estimated value of $120 billion.

A bank purchasing a BOLI policy must provide the insurer with personal information belonging to each covered employee, including his or her name, sex, age and Social Security number. Employees' Social Security numbers are then used to conduct "death sweeps" where banks typically hire outside brokers to sweep public records in order to learn if an employee or former employee has died.

A person whose life a bank insured without consent may have a right to sue for the bank's misappropriation of their identity (name, sex, age and Social Security number). Employees may be able to recover profits made by the bank, broker and insurer.

"It is ironic that thousands of bank employees have been laid off, and yet the banks still stand to benefit financially when those employees die, " says Mr. Clearman.

Since the early 1990s, Mr. Clearman has been a pioneer in class-action lawsuits against employers for wrongfully insuring employees' lives for the employers' benefit. Following several individual lawsuits for the families of deceased employees, Mr. Clearman pursued landmark class-action claims against Wal-Mart and Fina that resulted in major settlements for his clients.

I have a checking account with this bank and sometimes have a small balance before my paycheck is automatically deposited. This week, I was charges an overdraft fee of $35.00 for a $6.38 check card transaction even though my balance was more than the transaction. Another check was coming through their system at the same time as the $6.38. Rather than pay the $6.38, they took the larger amount knowing full well that by doing this, both transactions would bounce. I contacted the bank via internet and the lady said that "they had found that their customers would prefer the larger items to clear first". This is absolute crap and not a policy. It is merely what "they have discovered". THIS BANK WILL RIP YOU OFF! DO NOT BANK WITH THEM! THEY ARE THE WORST BANK EVER!

I requested a st0p payment a few days ago thinking that it would be better for me have the check destroyed and stop the payment of the check just in case someone found the check and tried to order something online. I checked my account yesterday and found that I was charged $28 to stop payment on a check. If I would have known that there was going to be a fee, then I never would have proceeded. I did this online and I was never prompted that there would be any fee. However they informed me that in the little print (8.5 font) that it mentions that a fee could be charged. I'll be damned they were right. I tried to explain to their customer service department 3 different times, 3 different people and they all told me that the could reverse the stop payment, but they could not reverse the fee. Bank of America has the worst customer service that I have ever experienced with a bank. I guess if you want to be able to have banks all over the country, you have to pay for it by crappy customer service and fees that they don't tell you about until it's too late, or in my case they hide it in the smallest font possible and when you dispute it they just send you on your way. AHHH!!! I just needed to vent and share my experience. Needless to say, I will no longer bank with them.