- Report: #460597
Complaint Review: Bank Of America - Clarksville Tennessee
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Bank Of America
bankofamerica.com Clarksville, 37042 Tennessee, U.S.A.
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Bank Of America BOA has a complete disregard for customer privacy. Clarksville Tennessee
My checking account balance is currently at over -$400 even though I deposited $1,000 into it on the first.
I checked the previous statement and discovered that at the end of the month my account had gone to over -$700.
I have been enrolled in their overdraft protection program since I turned eighteen [two and a half years ago.] My BOA credit card had a balance of $0, so there was no reason for any of it.
A few days later, my mother called to ask me about the balance---except, she shouldn't have known about it at all. She is not on the same account with me and I had never given written or verbal consent for my account information to be shared with her.
Even worse, she then told me that when she opened her account, she had requested that if my account went negative, to take it from her account.
Without so much as a second though, the woman did so and without my consent & I'm certain that that goes against one policy or another.
My bills are all automatically withdrawn from my checking account & when it becomes overdrafted, my credit card is supposed to be used in its place.
Instead, the woman removed my overdraft protection and apparently decided that since she'd already violated my privacy, she might as well not do what my mother had asked.
My health insurance has been cancelled, my medical & utility bills have been left unpaid, and all of these ridiculous overdraft fees [which should never have been applied to my account in the first place] have made it so that I can not go to my doctor or my orthodontist, pick up my medication, or even buy food.
What can I do other than play telephone tag with them or sit in their office while they attempt to tell me that they would never do such a thing.
From what I've read on this website and a few others---it's a complete waste of time, especially because I will not pretend that it is my fault to sway them into feeling as if they are doing me some sort of favor.
P.s. I haven't checked yet, but I'm pretty sure that this will ruin my credit.
Lee
Round Rock, Texas
U.S.A.
I checked the previous statement and discovered that at the end of the month my account had gone to over -$700.
I have been enrolled in their overdraft protection program since I turned eighteen [two and a half years ago.] My BOA credit card had a balance of $0, so there was no reason for any of it.
A few days later, my mother called to ask me about the balance---except, she shouldn't have known about it at all. She is not on the same account with me and I had never given written or verbal consent for my account information to be shared with her.
Even worse, she then told me that when she opened her account, she had requested that if my account went negative, to take it from her account.
Without so much as a second though, the woman did so and without my consent & I'm certain that that goes against one policy or another.
My bills are all automatically withdrawn from my checking account & when it becomes overdrafted, my credit card is supposed to be used in its place.
Instead, the woman removed my overdraft protection and apparently decided that since she'd already violated my privacy, she might as well not do what my mother had asked.
My health insurance has been cancelled, my medical & utility bills have been left unpaid, and all of these ridiculous overdraft fees [which should never have been applied to my account in the first place] have made it so that I can not go to my doctor or my orthodontist, pick up my medication, or even buy food.
What can I do other than play telephone tag with them or sit in their office while they attempt to tell me that they would never do such a thing.
From what I've read on this website and a few others---it's a complete waste of time, especially because I will not pretend that it is my fault to sway them into feeling as if they are doing me some sort of favor.
P.s. I haven't checked yet, but I'm pretty sure that this will ruin my credit.
Lee
Round Rock, Texas
U.S.A.
2 Updates & Rebuttals
Purplenights
Phoenix,Arizona,
U.S.A.
Never, Ever, Set Up Automatic Bill Pay Through The Bank
#2Consumer Comment
Sat, June 13, 2009
With the Bill Pay, these banks can manipulate the date the payment comes out of the account. They can set you up to overdraft. I would suggest that if you are going to pay bills through their bill pay system, do it manually, and pay each bill yourself, when it comes due. Don't leave it up to the bank to decide when to pay. What I don't understand, however, is why the overdraft protection did not kick in. Also, did you have your credit card linked to your account for use for overdraft protection? If you did, something is wrong somewhere. Also, if they took money from your Mom's account and your account and hers are NOT connected, they may have violated your right to privacy. I would get out of this bank--quick--, and move on somewhere else.
Karl
Highlands Ranch,Colorado,
U.S.A.
Lee, It usually is a waste of time to try and get help from.....
#3Consumer Comment
Thu, June 11, 2009
anyone at a publicly held company, the legal system, & even the mainstream media these days. It's sad, but it's TRUE! The publicly held corporations in the USA (many of them), rely on DECEPTION, MANIPULATION, & TRICKERY when conducting, & doing business. The legal system in the USA (most of it), relies on, & gets their money by representing the corporations that DECEIVE, MANIPULATE, & TRICK consumers. And believe it or not, the mainstream media RELIES on the AD REVENUE that they receive from the many corporations in America that continue to LIE, CHEAT, DECEIVE, MANIPULATE, DEFRAUD, TRICK, & FINANCIALLY INJURE the innocent people of the USA, and the innocent people all over the world! Not only did the MAINSTREAM MEDIA have information about the- quote: 'Collapse of the U.S. economy' back in the summer of 2007, but the LEGAL SYSTEM in America knew about it too! OUR COUNTRY IS CORRUPT, AND THAT'S WHY WE'RE IN A RECESSION & THE ONES AT THE TOP HAVE ABSOLUTELY NO REGARD FOR THE INNOCENT PEOPLE OF THE USA, & THE INNOCENT PEOPLE ALL OVER THE WORLD!!! Make sure to 'Google' this- RIP OFF REPORT GM CREDIT CARD SERVICES, and read Betty's Rip Off Report from the summer of 2007, & then read all of the Updates. Pay close attention to what was stated in the '1st Update', which was posted on 9-3-2007 when the Dow Jones was around 14,000. Then 'Google' this- RIP OFF REPORT RICHMOND TOYOTA BIGGEST JOKE, and read the '1st Update' that was posted on 9-2-2007. Look at the addresses in that Update! Read all of the Updates!!! There's PLENTY more, but it doesn't matter now, does it? OUR SYSTEM IS 100% CORRUPT!!! TRUST NO ONE IN THE USA EXCEPT FOR ANDREW CUOMO, ATTORNEY GENERAL OF NEW YORK!!! 'Google' & watch all of these on the web- INSIDE THE MELTDOWN THE OBAMA DECEPTION AMERICA: FREEDOM TO FASCISM 9-11 PRESS FOR TRUTH DID SPECULATION FUEL OIL PRICE SWINGS CHINA INVESTMENT AN OPEN BOOK YOUTUBE CONDOLEEZZA RICE LIAR Good luck to you. I'm Karl, and I approve this Update! POWER TO THE PEOPLE
