In short, I've decided this morning to move forward with the acceptance of the agreement despite feeling extremely disappointed. It's the only way I can move forward in this situation. It is only for a year and at that time I will get my money back, but trust me I have learned a lot about the experience and going forward I will know that no one has your best 'interest' at mind except literally the bank.

Bank of America will pick and choose in what order charges appear on your statement, in order to charge overdraft fees. They intentionally re-order the largest amount first regardless of date made, and even whether anything has actually posted or not. Bank of America will charge an overdraft fee when the system they use, (not available for view by customers), says that you have overdrawn your account. Even when the direct website www.bankofamerica.com says there is money available.

When you accidentally go over by a dollar or two the bank does not give you a chance to put funds in the account because they immediately charge you an insufficient funds fee before the transaction even shows as pending. With the re-ordering of posts and they immediate NSF charge they have turned one small overdraft into seven. They have done this to me and my wife several times. there have been many times we would check our balance and then the next day (even without spending a dime ) our balance wound be at negative 300 dollars.

Keep the change is a bad idea if you do not have a large safety net in the bank it provides an easy opportunity to charge you a 10 dollar fee for transferring the keep the change that has not even hit your savings account where you can transfer it yourself.

This is what Bank of America did to me. We bought our home in December 2006. It is an older home and needed a lot of repair. They had an appraisal done and appraised the home at $105, 100.00. The was bought for $52, 000.00. Well we purchased our own home owners insurance and the insurance and the yearly taxes were escrowed into the payment of the home.

Our payments were $496.00. The next thing we know they sent a payment book in February 2008 with the payment amount of $2, 110.00 a month. We thought it ws a typo until we went to pay the payment. Well the had no explanation to why at the time. Well we checked into it further that they had not paid our insurance or taxes. They lapsed our insurance and force placed their insurance of $13, 000.00. That put our escrow out of whack by -$20, 000.00. Well we couldn't afford that. We tried to get more insurance and because we don't have a central heat and air unit and new siding on the house we can't get insurance. The home was built in 1920 and needs updates. The Florida commission said until we get these updates and due to the fact the back let our insurance lapse we won't be able to get new insurance. Well the home is in foreclosure. We have been to court twice now and the judge agreed there is a discrepancy on there part. The court both times we have went come out in our favor. The next day after court Bank of America hired SAFE-Loc to enter our home and change all of the locks on the doors. A week later they hird some other guy to cut the grass. They gave him the new keys to the home. First of all if he is cutting the grass why does he need to enter the home? Anyway he entered the home and started removing the contents that was still in the home. Well remember the judge has not awarded them the home. We went to the local sheriff's office and tried to get a No- Tresspass warrant to no avail. We have no lawyer cause we can't afford one and have been fighting this ourselves. We go back to court on November 5, 2008. I just hope that they fix our credit cause they have really messed it up. I hope they reward us either the home or they money we have paid into the home including the money used for remodeling. Something has to give.

bank of ameica is a great company to work however the management teams have created a system of destroying talent especially minority . most of their management project or plan is to target minority . Especially those banking center auditors are always targetting minorities ; he looks like this bank is against minorities something need to be done to stop it especially cambridge and west .

HELP - HELP - HELP

LOOKING FOR A LAW FIRM WILLING TO FIGHT FOR THE
WORKING FORCE THAT'S RIPPED OFF DAY TO DAY BY
THE BANKS.