Bank of America, I hate them so... - Camaro5 Chevy Camaro Forum / Camaro ZL1, SS and V6 Forums

Haloman1346 · 09-25-2009, 05:46 PM

So I have been with Bank of America for 9 years now. I bought my house, and 3 cars from them. I have 2 credit cards and I always make my payments on time.

For the past 9 years I've always made my payments on time, never was late or bounced checks. Until last week.......

I messed up and carried the 1 over too much and swipped my card 10 too many times, at 35 dollars a pop with their overdraft protection, means I get to pay 350.00 dollars in bank fees.

AND TO MAKE THINGS WORSE is that the things I bought were little crap like a coke.

I call them up and ask them since ive been such a awesome person for them if they can "Take care of it". They said "Sorry sir, its your responsibility to keep track of your card usage."

I understand...I messed up...my bad...lesson learned..... But how can they just crap on me after 9 years, 1 house, 3 cars and 2 credit cards?!?!?!?!

Man im SOOO pissed.

SS-Eric · 09-25-2009, 05:48 PM

Go into your closest branch and talk to the branch manager. I bet they'll help you out!

rodimus prime · 09-25-2009, 05:50 PM

I bought a $35 dollar cheeseburger from Mcdonalds once through Bank of Ameica. The bank that is so American that they take down American flags that people put up in front of their bank....thats not even on their property. I plan on dropping them as soon as I move.

SS 376 · 09-25-2009, 05:51 PM

Your bailout dollars at work!!

tones2SS · 09-25-2009, 05:52 PM

Yeah, so much for being a faithful customer huh?!? They don't care about us customers. It's a shame.

I saw something like this on the news and thought a couple of the banks did some revising of this issue. Hope you get things worked out.

Whitepre · 09-25-2009, 05:52 PM

why would you swipe it 10 TIMES anways?

rodimus prime · 09-25-2009, 06:06 PM

The banks are financial predators. They re-arrange the oder in which items are charged by charging the most expensive items first instead of the order in which you paid for things. They do this so they can hit you up with more fees...then tell you to watch your own account.

For example you have $100 in your account.

You buy some thing for $10.00, then somthing for $25.00 then something for $5.00 then something for $52.00 then something for $5.00 then $25.00.

$122 total right.

Well you would of went over on the last $25.00 charge.

Wrong, the bank would charge you the $52 then the 2 $25 charges to already put you over, so you pay fees on the $10 and two $5.00 charges. At $30 a pop they just made $90 off you insted of $30.

Its a scam and they finally are changing things.

lee · 09-25-2009, 07:56 PM

similar thing happend to me i wanted to change banks so bad but EVERYTHING is on auto pay etc, if its your first time throw a fit and they will work with you, also on the radio the other day i heard that boa and chase were starting this thing were they only charged you two overdrafts and after that they waive the rest becuase the goverment was about to crack down on that kinda stuff so they wanted to get a head start and do it before it was mandatory

1320junkie · 09-25-2009, 07:59 PM

Hate to say it but BofA doesnt care to much about you unless you have big money with them...I would go to a local branch and talk to a manager..or you can change your account to private banking and because you have so many accounts with them your monthly fees should be waived...and you get premier treatment

dursin · 09-25-2009, 08:01 PM

Quote:

Originally Posted by rodimus prime

The banks are financial predators. They re-arrange the oder in which items are charged by charging the most expensive items first instead of the order in which you paid for things. They do this so they can hit you up with more fees...then tell you to watch your own account.

For example you have $100 in your account.

You buy some thing for $10.00, then somthing for $25.00 then something for $5.00 then something for $52.00 then something for $5.00 then $25.00.

$122 total right.

Well you would of went over on the last $25.00 charge.

Wrong, the bank would charge you the $52 then the 2 $25 charges to already put you over, so you pay fees on the $10 and two $5.00 charges. At $30 a pop they just made $90 off you insted of $30.

Its a scam and they finally are changing things.

Even though this sounds crazy, I think they really do this. I recently had a similar thing happen where I got charged like 4 $35 overdraft fees. Only time in 17 years with the same bank that that happened. They did initially reverse two of the charges and after a long discussion with the branch manager the reversed the other two as well. I swear though that they setup the order just like Rodimus stated...so the big charge hit first followed by all the little charges.

Hicompression · 09-25-2009, 08:24 PM

Quote:

Originally Posted by SS-Eric

Go into your closest branch and talk to the branch manager. I bet they'll help you out!

X2!

prostock69 · 09-25-2009, 08:32 PM

Not related to banks, but I wanted to share a surprisingly good outcome I had with my cellphone provider: I got my T-Mobile bill and noticed that we were paying over 20 dollars for game downloads. Apparently, my 8 year old daughter downloaded 6 games which instantly makes you subscribe to them. I called T-Mobile to cancel the subscriptions. No problem. However, not only did they cancel the subscriptions, the lady on the phone offered to reimburse us the full amount that we have paid since the subscriptions began 3 months ago (Hubby paid the last two bills w/o noticing the game downloads). So we are getting a credit of nearly $70.00 on our next bill. I was completely shocked and amazed!

Curt@BMCPerformance · 09-25-2009, 09:08 PM

i miss my WAMU!!! This happened to me once and the bank took care of it for me just like you were hoping for. Now we have that dang conglomorate chase money hungry mongers. Wamu was just so much more personable and customer friendly.

Arkanian · 09-25-2009, 09:23 PM

Same here, but with Wachovia a few years back. I even closed the account and got charged over $300 cause they kicked out an automatic utility bill that shouldn't have happened because the Utility Company sent it to them instead of my new bank. The reason they gave was that the Utility Company put it through to them four times which added up the "non-payment fees" even though the account was closed and they didn't pay anything. Still to this day Wachovia has my credit marked for non payment, even though they payed nothing out...

09-25-2009, 05:46 PM	#1
Haloman1346 Banned Drives: 2010 Camaro SS Join Date: Nov 2008 Location: Tavares, Fl Posts: 255	Bank of America, I hate them so... So I have been with Bank of America for 9 years now. I bought my house, and 3 cars from them. I have 2 credit cards and I always make my payments on time. For the past 9 years I've always made my payments on time, never was late or bounced checks. Until last week....... I messed up and carried the 1 over too much and swipped my card 10 too many times, at 35 dollars a pop with their overdraft protection, means I get to pay 350.00 dollars in bank fees. AND TO MAKE THINGS WORSE is that the things I bought were little crap like a coke. I call them up and ask them since ive been such a awesome person for them if they can "Take care of it". They said "Sorry sir, its your responsibility to keep track of your card usage." I understand...I messed up...my bad...lesson learned..... But how can they just crap on me after 9 years, 1 house, 3 cars and 2 credit cards?!?!?!?! Man im SOOO pissed.

09-25-2009, 05:52 PM	#6
Whitepre Drives: 2010 Camaro 2SS/RS IBM GFX Join Date: Jul 2009 Location: Virginia Beach Posts: 42	why would you swipe it 10 TIMES anways? __________________ Wizzle! 1100: 07/14/09 3000: TPW 08/31/09 3800: 09/07/09 GOT VIN SHIPPED 09/12/09 DELIEVERED TO DEALER 09/23/09 DEALER TO BUYER(ME!) 09/26/09

09-25-2009, 08:32 PM	#12
prostock69 Female Muscle Car Nut! Drives: 2010 RS/SS IOM Camaro Join Date: Jul 2009 Location: Mansfield, TX Posts: 1,262 View My Garage	Not related to banks, but I wanted to share a surprisingly good outcome I had with my cellphone provider: I got my T-Mobile bill and noticed that we were paying over 20 dollars for game downloads. Apparently, my 8 year old daughter downloaded 6 games which instantly makes you subscribe to them. I called T-Mobile to cancel the subscriptions. No problem. However, not only did they cancel the subscriptions, the lady on the phone offered to reimburse us the full amount that we have paid since the subscriptions began 3 months ago (Hubby paid the last two bills w/o noticing the game downloads). So we are getting a credit of nearly $70.00 on our next bill. I was completely shocked and amazed! __________________ 2SS/RS Inferno Orange w/ black stripes, black/orange interior, Automatic, w/ sunroof and polished aluminum wheels MODS: Borla "S" Type Exhaust, American Racing Headers 3" Longtubes, New Era Cold Air Intake, HP Tune, Custom Ground Camshaft, Professionally Ported Heads by Darin Morgan, Ported Throttle Body, 3000 Stall Converter, and 160 Degree Thermostat. http://www.rehermorrison.com/; http://www.darinmorgan.com/; http://www.neweraperformance.com/

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09-25-2009, 05:48 PM	#2
SS-Eric Drives: 2012 Convertible Join Date: May 2009 Location: Grapevine TX Posts: 690	Go into your closest branch and talk to the branch manager. I bet they'll help you out!

09-25-2009, 05:50 PM	#3
rodimus prime Account Suspended Drives: Cargo van. Join Date: Jul 2009 Location: Metal Metal Land Posts: 1,247	I bought a $35 dollar cheeseburger from Mcdonalds once through Bank of Ameica. The bank that is so American that they take down American flags that people put up in front of their bank....thats not even on their property. I plan on dropping them as soon as I move.

09-25-2009, 05:51 PM	#4
SS 376 Drives: 2010 IBM 1SS (Former) Join Date: Feb 2009 Location: NoVA Posts: 2,032	Your bailout dollars at work!!

09-25-2009, 05:52 PM	#5
tones2SS Drives: '13 Roush S3 '16 Ram Sport 4X4 Join Date: Apr 2009 Location: Massachusetts Posts: 3,100	Yeah, so much for being a faithful customer huh?!? They don't care about us customers. It's a shame. I saw something like this on the news and thought a couple of the banks did some revising of this issue. Hope you get things worked out.

09-25-2009, 06:06 PM	#7
rodimus prime Account Suspended Drives: Cargo van. Join Date: Jul 2009 Location: Metal Metal Land Posts: 1,247	The banks are financial predators. They re-arrange the oder in which items are charged by charging the most expensive items first instead of the order in which you paid for things. They do this so they can hit you up with more fees...then tell you to watch your own account. For example you have $100 in your account. You buy some thing for $10.00, then somthing for $25.00 then something for $5.00 then something for $52.00 then something for $5.00 then $25.00. $122 total right. Well you would of went over on the last $25.00 charge. Wrong, the bank would charge you the $52 then the 2 $25 charges to already put you over, so you pay fees on the $10 and two $5.00 charges. At $30 a pop they just made $90 off you insted of $30. Its a scam and they finally are changing things.

09-25-2009, 07:56 PM	#8
lee Drives: 2010 2ss/rs Join Date: Sep 2009 Location: Austin Posts: 1,016	similar thing happend to me i wanted to change banks so bad but EVERYTHING is on auto pay etc, if its your first time throw a fit and they will work with you, also on the radio the other day i heard that boa and chase were starting this thing were they only charged you two overdrafts and after that they waive the rest becuase the goverment was about to crack down on that kinda stuff so they wanted to get a head start and do it before it was mandatory

09-25-2009, 07:59 PM	#9
1320junkie Drives: The Imperial Army Join Date: Feb 2009 Location: The Darkside Posts: 15,742	Hate to say it but BofA doesnt care to much about you unless you have big money with them...I would go to a local branch and talk to a manager..or you can change your account to private banking and because you have so many accounts with them your monthly fees should be waived...and you get premier treatment

09-25-2009, 09:08 PM	#13
Curt@BMCPerformance Drives: 2005 Ford Mustang GT Join Date: Aug 2009 Location: Northern NJ Posts: 121	i miss my WAMU!!! This happened to me once and the bank took care of it for me just like you were hoping for. Now we have that dang conglomorate chase money hungry mongers. Wamu was just so much more personable and customer friendly.

09-25-2009, 09:23 PM	#14
Arkanian "World of Warcraft" Gamer Drives: IBM 2SS/RS LS3 AFO Join Date: Sep 2009 Location: Pleasant Garden, NC Posts: 96	Same here, but with Wachovia a few years back. I even closed the account and got charged over $300 cause they kicked out an automatic utility bill that shouldn't have happened because the Utility Company sent it to them instead of my new bank. The reason they gave was that the Utility Company put it through to them four times which added up the "non-payment fees" even though the account was closed and they didn't pay anything. Still to this day Wachovia has my credit marked for non payment, even though they payed nothing out...