1. This site uses cookies. By continuing to use this site, you are agreeing to our use of cookies. Learn More.

F*ck Bank of America

Discussion in 'BlackHat Lounge' started by thedon23, Nov 29, 2011.

  1. thedon23

    thedon23 Elite Member

    Joined:
    Dec 21, 2009
    Messages:
    1,759
    Likes Received:
    1,268
    Tired of these fuckers, I just log into my bank account this morning, and see I've been given two overdraft fees totaling $80 in ONE day, for the SAME account.

    I get on chat to talk to a rep, and he says that they emailed me twice warning me to deposit money or I'd receive an overdraft charge (LIE, never received any email until this morning, once the two charges had already been made).

    Any suggestions to get out of this? These guys are pissing me off lol
     
    Last edited: Nov 29, 2011
  2. marusia

    marusia Senior Member

    Joined:
    Oct 25, 2010
    Messages:
    1,122
    Likes Received:
    2,320
    That's who I bank with. They won't budge unless it's your first time. Mine are $35 each though. I have a huge list of things they do that piss me off. It's the only international bank around here, and I have to drive 30 minutes each way to top it off!
     
    • Thanks Thanks x 1
  3. the_demon

    the_demon Jr. Executive VIP

    Joined:
    Nov 23, 2008
    Messages:
    3,177
    Likes Received:
    1,563
    Occupation:
    Search Engine Marketing
    Location:
    The Internet
    Call back and hopefully get a different rep. I noticed some are more willing to forgive then others.
     
    • Thanks Thanks x 1
  4. thedon23

    thedon23 Elite Member

    Joined:
    Dec 21, 2009
    Messages:
    1,759
    Likes Received:
    1,268
    What's pissing me off is that they charged me one $35 fee on the 25th of November. Then the SAME day, they charged another $35 fee on the same account.

    But it clearly says:

    "Please note: If your account has a negative balance for 5 consecutive business days, you will receive an additional one-time Extended Overdrawn Balance Charge of $35 on the sixth day."

    I'm not sure how they count their days...25th to the 25th is certainly not 5 days. :rolleyes:
     
  5. flexnds

    flexnds Power Member

    Joined:
    Jan 4, 2010
    Messages:
    643
    Likes Received:
    680
    Occupation:
    Internet Marketing, Web development, Internet Repu
    Location:
    AZ
    Open a complaint on BBB and they will call you within a few days and offer to reverse the fees. I hate BBB, but they are good for leveraging businesses that pisss you off..
     
  6. kirkonpolttaja

    kirkonpolttaja Senior Member

    Joined:
    Feb 6, 2010
    Messages:
    1,027
    Likes Received:
    669

    I'm glad i havent had stuff like that going with my bank account :) Does bank accoutn cost in america and how much? All services with my bank is free for few more years.
     
  7. thedon23

    thedon23 Elite Member

    Joined:
    Dec 21, 2009
    Messages:
    1,759
    Likes Received:
    1,268
    Thanks guys. I hate being rude to customer service people, I really do. I've worked a job in customer service before and I know how hard it is. But this first guy I spoke to just pissed me off, I just exited the chat box in the middle of him typing. He was just copying and pasting their company polices..wtf. I'm not here for a Bank of America 101 class, I wanna get those fees reversed hahaha

    I feel like them charging me 2 overdraft fees on the same day is like...giving me 2 parking tickets while being parked in the same place..
     
    Last edited: Nov 29, 2011
  8. marusia

    marusia Senior Member

    Joined:
    Oct 25, 2010
    Messages:
    1,122
    Likes Received:
    2,320
    Did you have two overdraws in one day? First goes negative, and then you bought something else? I've used banks and had several the same day.
     
  9. thedon23

    thedon23 Elite Member

    Joined:
    Dec 21, 2009
    Messages:
    1,759
    Likes Received:
    1,268
    Yeah, looks like that's what happened. If so, that is the STUPIDEST policy I have ever heard. I mean, obviously if I knew I had overdrafted, I would not use the card again until I had deposited money. These guy's just ruined my day :mad2:
     
  10. marusia

    marusia Senior Member

    Joined:
    Oct 25, 2010
    Messages:
    1,122
    Likes Received:
    2,320
    I took the overdraw thing off my account. Now I never get them using my debit card. Only if money is directly withdrawn from my bank account. I'd look into that if I were you. I know a lot about having an overdrawn account. :eek:
     
  11. Zanzil

    Zanzil Newbie

    Joined:
    Apr 26, 2011
    Messages:
    6
    Likes Received:
    3
    BOA fucking sucks, I have been praying they crumble and burn.
     
  12. thedon23

    thedon23 Elite Member

    Joined:
    Dec 21, 2009
    Messages:
    1,759
    Likes Received:
    1,268
    Yeah, looks like that's what I'll do. These idiots aren't budging. Thanks! :)

    LOL, I know man, they have been getting worse and worse. I think it's time for me to consider switching banks.
     
  13. CashFlowGuy

    CashFlowGuy Regular Member

    Joined:
    Mar 15, 2010
    Messages:
    357
    Likes Received:
    67
    I use boeing credit union. I have never used a major bank and never will. Those fees are fucking out of control. We need a free-market in banking so these companies fail, or if they stay alive have to compete with others based on market demands.
     
  14. Union

    Union Power Member

    Joined:
    Sep 24, 2011
    Messages:
    531
    Likes Received:
    210
    Location:
    USA
    in a couple of weeks im going to Close 3 Acc. from BAC.
    im smart enough to count my money, and im not gonna pay any Fee to BAC fackers.
     
  15. EmpireQuality

    EmpireQuality Elite Member

    Joined:
    Jan 18, 2010
    Messages:
    1,903
    Likes Received:
    383
    my good friend had this same problem. here is my suggestion on how to get out of this: close the account. either dont have a bank account at all (which is the best option) or move to a different bank. i have heard that bank of AMERICA is now owned by the yakuza JAPANESE mafia. ironic, right? i heard that they are now the largest shareholder but of course no one is going to tell you that, ESPECIALLY them. so just remember that when you are doing business with bank of america that you are actually doing business with murdering criminals. the entire world is owned, operated, and controlled by literal criminals. stay as far away from them as you can. get away from that damn bank OP :eek:
     
  16. charmol

    charmol Junior Member

    Joined:
    Oct 7, 2011
    Messages:
    173
    Likes Received:
    84
    Location:
    ~| TrOpiCaL PaRaDiSe |~
    Stay away from the entire world? I'm sure that would be pretty difficult. lol

    And the banks are the biggest criminals of them all, without being owned by the mafia.

    ~|ChaRoN|~
     
  17. Union

    Union Power Member

    Joined:
    Sep 24, 2011
    Messages:
    531
    Likes Received:
    210
    Location:
    USA
    are too many things, we never know about.... but i remember about 5-6 years ago, Bank of Am. was my best choice and they was very Good to do business with...but the last 2 years, ohh God, im tired, but i closed my eyes every time, Not this time, Im not gonna pay any Penny in Fee for this fuckers.
     
  18. thedon23

    thedon23 Elite Member

    Joined:
    Dec 21, 2009
    Messages:
    1,759
    Likes Received:
    1,268
    Yeah screw them. Thinking of closing my bank after this. $80 in overdraft fees for spending $5 (I overdrafted $5). Fuck them. I chatted with 3 customer service reps and all they would do is tell me their company policy. Wtf
     
  19. Roparadise

    Roparadise BANNED BANNED

    Joined:
    May 25, 2011
    Messages:
    786
    Likes Received:
    1,417
    If you go to etrade they will deny a purchase instead of accepting it and charging overdraft.
     
  20. hitman247

    hitman247 Executive VIP Premium Member

    Joined:
    Oct 12, 2008
    Messages:
    739
    Likes Received:
    1,851
    Occupation:
    Full Time IM
    Location:
    Your Six O'clock
    Home Page:
    Using a credit union or a local bank is the best way to go. No minimum wage customer service rep cares about you or your problems. BOA has been sticking it to their customers for years, and why people never change banks is beyond me. It will get worse before it gets better.