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Additional Details
Jake, I highly ... |
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Lucius Domitius | How many people have been ripped off by Bank Of America? |
How many of you have legitimatly been ripped off by
Bank Of America because of the way there ATM balance and there Online Banking balances don't update properly causeing account overdrafts and other bogus fee's? If you would be interested in getting involved in a class action lawsuit against them email me your contact info and nothing more.
I've heard it time and time again from many others about the problems they have had with Bank Of America and I feel that its about time something is done about it.
Thank You,
Rizzo |
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BosCFA
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"Their ATM balances and their Online Banking balances don't update properly causing overdrafts"...ROFL
What causes overdrafts is spending more money than you have. Keep better track of your finances and you won't have this problem. Account overdraft fees are hardly bogus. You're taking out a short term loan to cover your spending. So you get charged with a fee.
Good luck with your class action lawsuit. I'll be waiting to read about it in the Journal... |
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do it movin'
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i've been with bofa for 10 years and have never had a problem with them.. |
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Zaphod1130
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I have a better Bank of America ripoff. They offered us 0% interest to transfer all of our balances to their credit card, then shot it up to 24% two months later stating we were maintaining a "high balance". We have never, ever been late on a payment to any credit card company and don't keep high balances. A total rip off job. |
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karat4top
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US Bank does the same thing. We got hit with over $200 in fees last month because they drafted out of the account while holding a deposit. It's thievery I tell ya!! |
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Amanda H
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It's not a bogus fee if you use more money than you have in your account.
It's not their responsibility to keep track of what you spend on a day to day basis, its yours. They update their online information or ATM balances with each transaction, but that doesn't mean you dont have debit card authorizations or checks out there that haven't posted.
Yes, I used them for awhile and got rid of them becuase I was costing MYSELF too many overdraft/NSF fees. It seemed like I'd be in the hole every 2 weeks! But guess what? I grew up and figured out how to balance things better, and I have an account with them again-- not to mention a mortgage-- and am quite happy. |
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Mario23
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I know how you feel about Bank of America. They seem to want to charge people fees. I use to work at Bank of America. You have to understand how they are working behind the scenes. Although I don't know the exact details of your problem, I'll let you know how things sorta work at B of A.
Let's say you are a customer with B of A for almost 10 years. If you go there and try to deposit a check at the teller, it's up to the branch teller's discretion to release the funds the next day or not. So if you're a customer who always has a negative balance or does a lot of overdrafts, they will hold the check 9 days to make sure you have the funds in your account so your account isn't overdrawn again. But if you're a customer for like 10 years and they see that you're account always has $ and no overdrafts they'll let the funds released the next day. The thing is the banks don't want to lose $.
Other things to consider is that if you deposit a check at an ATM and you're a new customer who's always overdraft, the check will go to the main processing plant for that city and someone inside will make the decision on whether or not to release the funds. So if you're depositing like a $3000 check at the ATM and you've been a bad customer, those funds won't be released until 9-10 days later. This very important to understand, otherwise if you deposit a check and you think you have those funds and you write a check for bills or something, you're going to have a lot of bounced check fees and NSF fees. The 9-10 day lag time is also true if you're depositing a check from a different bank, like from Wells Fargo to Bank of America.
I hated my job at B of A. All I saw where mountains and mountains of checks all the time. I am sure glad I quit, they worked me like a freaking dog and I was only paid like $9/hr. I was like a freaking slave there, you can't imagine.
I hope what I told you helps. |
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Mustng0021
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i never had a problem with them. when i got my account with them they gave me a little book to keep my account balanced. every time i withdraw some money or just my debit card or write a check i write it down in the book and balance it there. so i don't have to deal with the balances not updating properly and causing account overdrafts and other bogus fee's. and if i do get an overdraft it is my fault for not keeping track of MY money. we don't pay them to keep track of our money so why should we expect that. it is YOUR money YOU should keep track of it so you don't over draft. so you should blame the bank for your own mistake. if you don't know the exact amount of money in your account you shouldn't be spending money. |
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ej105
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I am an ex-B of A member myself. They suck. They wait too late to cash a check so it is hard to balance your checkbook and you get slammed with NSF fees. Join Washington Mutual. They respect their customers. |
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Captain C
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I'm a former customer. They act like you owe them something for keeping your money there. |
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Dom
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I've never banked with them but i do bank with Fifth Third. They so far have been good. |
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ES
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What you want done about is probably to get a class action lawsuit started so you can get some fees "The average attorneys' fees have been 40% of the total reward." Thats what i saw on http://biyts.info. I have also been screwed by B of A but id rather go to another bank and cut my losses than get $2 while a lawyer gets rich on my pain. |
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maggie209
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Amen to that! Yes we need to get together and do something about it....I just got off the phone with a BofA Rep and I'm soooo mad you have no idea...they're charging me $35.00 three times because my deposit didn't go in before 4:00 pm. It's ridiculous how they have to charge "PER" transaction...it's a total rip off. |
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