Complaint Review: Bank Of America - Newport Beach California

I am a loyal customer of Bank of America, because I've been ripped off by two other banks in the past, and I have not had that experience ever with Bank of America. One of the ways they have earned my loyalty was immediately resolving an overdraft fee that appeared on my account fraudulently. They removed the charge and the overdraft fees in less than a day, and those fees never appeared again. After the experience I had with them it seems clear to me that anyone who experiences a problem must not have a totally legitimate reason for requesting a reversal of these charges. As for your money that "disappeared" your charges are serious and with all the security, and cameras, and computer security, in banks these days something like a teller just stealing money out of a customer's account is frankly extrememly difficult to believe. Even if a teller wanted to do this, don't you think they would have chosen an account with a lot more money in it? Is it really worth the risk for that kind of money? Furthermore if that teller was really guilty of such a charge they probably would have been on the next plane to Fiji rather than wait to go to jail for 2 years. It sounds like you closed your account as you originally went in there to do. And as far as seeking sympathy for overdraft charges, you have no one to blame but yourself. If they were not legitimate they would have been removed immediately, and if they were then it's your own fault for not keeping an accurate record of your transactions. I am happy to have finally found a banking institution that does NOT rip people off for a change.

i ask you people what the **** is going on in your mind. the person is informing you of a crime commited by a dishonest employee and you people rip her apart. i have had checks bounce due to the bank employee failure to post my deposit to my account 3 times and all 3 times the branch mgr told me he was sorry and that it was due to the employees are new hires. the bank fixed all of it and i went to the corp office and informed them of the problems and closed my account. thus no more problem. and i have found that smaller banks are better banks and theye will call you by name every time you come in and will bend over backwords to keep you at there bank. i would advise you to report this theft to the fed trade commission. and take the forged check to a fed judge and have hand wrighting analises done. and as far as people changing there hand wrighting all the time that is a blantent lie the only people who do that are people who forge checks. now for the people who bashed you and called you a lier my responce is there not worth my time. it is people like them who are taking away the right of inocent untill proven guilty. and dont bash me on my misspelling cause i really dont care and if i dont care why should you.

Your girlfriend couldn't have gone to Soledad , as it is a MALE-only prison. You are nothing but a racist troll and your post is nothing but a lot of ficticious racist diatribe. Oh, and "Jelinquah", or whatever your real name/sex is, this "cross-referencing" you refer to is called "merchant check verification", which some merchants will do before accepting a personal check. The general public can also avail themselves of this service if accepting a check from someone to verify the funds are available.

I have a government card through this place and I have not activated it due to my wife's experience with them. If a bank deposits money in to the wrong account, THEY SHOULD BE HELD LIABLE. If their customers made a mistake and wrote wrong account number the bank would say too bad and hold their feet to the fire. My experience has been the largest banks have the worst customer service and act like they are doing their customer a favor. I been with Navy Federal and never had the problems that I had with the big national banks. Bank of America apparently forgot that their customers are the reason why they are successfull. Without customers they are nothing. Maybe it requires to be a person has six figures in their account to be treated respect by most major banks.

You ask what difference it makes? I think that's obvious. It results in higher NSF funds. I think I'd rather fork out 1 $29 fee than 2,3,4 or 5 of them. Also, you asked me to post a name of a bank that processes it from smallest to largest? I don't know of one and I haven't researched it to see if there is one. So if you say that there isn't one then I'll take your word for it. My point is that we are customers and we trust the banks with our money. Mistakes do occur, whether it is by the customer or the bank and you would think that as a courtesy a bank would design itself in a way where it wouldn't financial cripple their own customer. I have learned that I must watch out for myself because even my bank does not give a d**n about me or you, the customer. I never said I was perfect, no one is, but no one is going to tell me that the bank is either. You wrote about if you don't have the money then you shouldn't write the check, that I agree with 100% but there are other scenarios that can occur. Such as with me, the wrong account received my deposit. Actually, I have another one for you. If you do a search for CIC on this site you will see numerous people had funds withdrawn from their bank accounts without their consent. CIC is www.consumerinfo.com or www.freecreditreport.com I signed up for a free credit report, If I did not cancel within 30 days I was automatically enrolled in their Monitoring Service (for a $79.95 fee). I cancelled almost 10 days prior to the deadline and they still hit me with the fee causing my bank account to bounce. Since it was my Check/debit card that was used my bank couldn't reverse the charges and refused to reverse the NSF fee I incurred. I had to file many complaints with FBI Internet Fraud, BBB, Fl Dept of Consumer affairs, the FTC and because I had written proof that I cancelled on time, CIC finally refunded all the fees. I even spoke to a reporter and 2 lawyers. This scam has happened to many people. Some people are so overdrawn because of this that they can't pay bills or buy food. Perhaps this is why there is a class action lawsuit against them now. Anyway, I feel that my bank should protect me. Fraud is so rampant now that no one is safe. I no longer purchase anything online now as there are too many scams out there. Just letting you know that everything is not always as black and white as you think. Accounts can become overdrawn through no fault of the customer. BTW, I am FAR from the most perfect person one can be, that's a fact but I do know that I didn't deserve the hassle and aggravation that my own bank should have helped me with.

Girl, you should watch out. If your hairdresser has a merchant account with BofA, they can cross-reference your checks to see if you intended to defraud them by paying for your weave with a bad check. I hope you didn't use your real name here. This same thing happened to my friend Shomysha and she had to go to Soledad.

Listen here Dar. The credit that you got from the bank....that's just a temporary credit. Even if you were lying through your teeth....they would still give you a temporary credit. The fact that this is now in the hands of the Investigation Department of the PD means nothing. You probably filed a police report, which is required to file a claim. Do you know what the police department does with that file? Sits on it. There are far more important things that they work on. It would be a waste of the tax payers money for them to work on your stupid case. And if what you are saying is true....that teller that helped you out should be in jail by now. The bank would have done away with that teller long before the police arrests that person. The bank would press charges in order for them to attempt to retrieve the money. You see....by you filing a police report....that makes you liable for your claim. If infact that bank proves you wrong....it's your butt that will be going to jail for false claim. It's a serious crime and I hope you can back yourself up. And for Lisa.....your right....you do have a valid point. But then, people can say that the correct way of posting checks should be by check number....by largest amount to the smallest....from the smallest to the largest...by the order that the checks are received. In either case....what freaken difference does it make. You are suppose to write a check when you have the money in your account. So if you have $100 balance...you can write 5 checks or you can write 500 checks. As long as you write checks that equal $100....the bank will never charge you a penny. But when you bounce a check....you obviously neglected the balance. Even if the amount was small....the process is still the same....which means that the cost involved is no different. Maybe it would be in the best interest to the customer if they used your method. But go find a bank that uses your method. And please post the name of the bank and I will call them myself. BTW....credit unions don't count. I believe that there was a class action again BOA regarding this issue. Guess What? THE BANK WON! I'm sorry that the bank made a mistake posting your deposit into the wrong account. I'm sure that you are the most perfect person who doesn't make any mistakes.

Dar, Obviously, you've attracted some uneducated individuals here. Wouldn't you say? We've gone from a consumer complaint which is what this site is for to 3rd grade name calling. Virginia is on a different planet. That's obvious. Hermione, well, that post has to be a practical joke because there is no way that someone could go that far off the deep-end. If it's not, I would suggest Charter Hospital for her. To the banker, Banks do make mistakes so cut the righteous facade please. I made a deposit once, the stupid bank deposited it into the wrong account causing mine to bounce. I, especially like, how some banks design themselves to cripple you. How you ask? By paying checks in the order of largest to smallest. If your account bounces they pay the largest checks first causing multiple smaller checks to bounce. If they paid smallest to largest, all the small ones would get paid and a smaller number of checks would bounce (the largest) For example, (intended for those that aren't too bright here) Balance is $100 Checks written and paid in order of largest to smallest. chk #1 $50.00 chk #2 $40.00 chk #3 $10.00 $0 Chk #4 $6.00 New balance = $-6 chk #5 $5.00 $-11 chk #6 $4.00 $-15 chk #7 $3.00 $-18 Due to the way they are processed you now have 4 bounced checks & 4 NSF charges. ------------------------------------ Now reverse the order from smallest to largest: Balance $100 chk #7 $3.00 chk #6 $4.00 chk #5 $5.00 Chk #4 $6.00 New Balance $82 chk #3 $10.00 $72 chk #2 $40.00 $32 chk #1 $50.00 $-18 Hmmmmmm, now we only have 1 bounced and with 1 NSF fee incurred. Geeee, I would have to question whether or not a bank has the customers best interest at heart. Appears to me, that if this is the method your bank uses they are set out to cripple you financially. So, Dar, out of curiosity call your bank and ask in what order do they process checks. I'm not saying all banks do this but when the bank deposited my money into someone else's account causing mine to bounce, I looked further into this and realized that this is what is done. I called them up and they confirmed it. Did I rip into them? You better believe I did!

Dar, Obviously, you've attracted some uneducated individuals here. Wouldn't you say? We've gone from a consumer complaint which is what this site is for to 3rd grade name calling. Virginia is on a different planet. That's obvious. Hermione, well, that post has to be a practical joke because there is no way that someone could go that far off the deep-end. If it's not, I would suggest Charter Hospital for her. To the banker, Banks do make mistakes so cut the righteous facade please. I made a deposit once, the stupid bank deposited it into the wrong account causing mine to bounce. I, especially like, how some banks design themselves to cripple you. How you ask? By paying checks in the order of largest to smallest. If your account bounces they pay the largest checks first causing multiple smaller checks to bounce. If they paid smallest to largest, all the small ones would get paid and a smaller number of checks would bounce (the largest) For example, (intended for those that aren't too bright here) Balance is $100 Checks written and paid in order of largest to smallest. chk #1 $50.00 chk #2 $40.00 chk #3 $10.00 $0 Chk #4 $6.00 New balance = $-6 chk #5 $5.00 $-11 chk #6 $4.00 $-15 chk #7 $3.00 $-18 Due to the way they are processed you now have 4 bounced checks & 4 NSF charges. ------------------------------------ Now reverse the order from smallest to largest: Balance $100 chk #7 $3.00 chk #6 $4.00 chk #5 $5.00 Chk #4 $6.00 New Balance $82 chk #3 $10.00 $72 chk #2 $40.00 $32 chk #1 $50.00 $-18 Hmmmmmm, now we only have 1 bounced and with 1 NSF fee incurred. Geeee, I would have to question whether or not a bank has the customers best interest at heart. Appears to me, that if this is the method your bank uses they are set out to cripple you financially. So, Dar, out of curiosity call your bank and ask in what order do they process checks. I'm not saying all banks do this but when the bank deposited my money into someone else's account causing mine to bounce, I looked further into this and realized that this is what is done. I called them up and they confirmed it. Did I rip into them? You better believe I did!

Dar, Obviously, you've attracted some uneducated individuals here. Wouldn't you say? We've gone from a consumer complaint which is what this site is for to 3rd grade name calling. Virginia is on a different planet. That's obvious. Hermione, well, that post has to be a practical joke because there is no way that someone could go that far off the deep-end. If it's not, I would suggest Charter Hospital for her. To the banker, Banks do make mistakes so cut the righteous facade please. I made a deposit once, the stupid bank deposited it into the wrong account causing mine to bounce. I, especially like, how some banks design themselves to cripple you. How you ask? By paying checks in the order of largest to smallest. If your account bounces they pay the largest checks first causing multiple smaller checks to bounce. If they paid smallest to largest, all the small ones would get paid and a smaller number of checks would bounce (the largest) For example, (intended for those that aren't too bright here) Balance is $100 Checks written and paid in order of largest to smallest. chk #1 $50.00 chk #2 $40.00 chk #3 $10.00 $0 Chk #4 $6.00 New balance = $-6 chk #5 $5.00 $-11 chk #6 $4.00 $-15 chk #7 $3.00 $-18 Due to the way they are processed you now have 4 bounced checks & 4 NSF charges. ------------------------------------ Now reverse the order from smallest to largest: Balance $100 chk #7 $3.00 chk #6 $4.00 chk #5 $5.00 Chk #4 $6.00 New Balance $82 chk #3 $10.00 $72 chk #2 $40.00 $32 chk #1 $50.00 $-18 Hmmmmmm, now we only have 1 bounced and with 1 NSF fee incurred. Geeee, I would have to question whether or not a bank has the customers best interest at heart. Appears to me, that if this is the method your bank uses they are set out to cripple you financially. So, Dar, out of curiosity call your bank and ask in what order do they process checks. I'm not saying all banks do this but when the bank deposited my money into someone else's account causing mine to bounce, I looked further into this and realized that this is what is done. I called them up and they confirmed it. Did I rip into them? You better believe I did!

Dar, Obviously, you've attracted some uneducated individuals here. Wouldn't you say? We've gone from a consumer complaint which is what this site is for to 3rd grade name calling. Virginia is on a different planet. That's obvious. Hermione, well, that post has to be a practical joke because there is no way that someone could go that far off the deep-end. If it's not, I would suggest Charter Hospital for her. To the banker, Banks do make mistakes so cut the righteous facade please. I made a deposit once, the stupid bank deposited it into the wrong account causing mine to bounce. I, especially like, how some banks design themselves to cripple you. How you ask? By paying checks in the order of largest to smallest. If your account bounces they pay the largest checks first causing multiple smaller checks to bounce. If they paid smallest to largest, all the small ones would get paid and a smaller number of checks would bounce (the largest) For example, (intended for those that aren't too bright here) Balance is $100 Checks written and paid in order of largest to smallest. chk #1 $50.00 chk #2 $40.00 chk #3 $10.00 $0 Chk #4 $6.00 New balance = $-6 chk #5 $5.00 $-11 chk #6 $4.00 $-15 chk #7 $3.00 $-18 Due to the way they are processed you now have 4 bounced checks & 4 NSF charges. ------------------------------------ Now reverse the order from smallest to largest: Balance $100 chk #7 $3.00 chk #6 $4.00 chk #5 $5.00 Chk #4 $6.00 New Balance $82 chk #3 $10.00 $72 chk #2 $40.00 $32 chk #1 $50.00 $-18 Hmmmmmm, now we only have 1 bounced and with 1 NSF fee incurred. Geeee, I would have to question whether or not a bank has the customers best interest at heart. Appears to me, that if this is the method your bank uses they are set out to cripple you financially. So, Dar, out of curiosity call your bank and ask in what order do they process checks. I'm not saying all banks do this but when the bank deposited my money into someone else's account causing mine to bounce, I looked further into this and realized that this is what is done. I called them up and they confirmed it. Did I rip into them? You better believe I did!

I am happy for you and respect that you stood up for yourself and what was right. John doesn't need to work in customer service with his attitude. I know you said that the police have the case now, but is that teller still employed there?

How dare you compare your treatment to a lynching! Do you know how many innocent negroes lost their lives to this horrible injustice? For you to comapre your treatment is an abomination in the Lord's eye! And Lord knows what you bounced all those checks for with your children hungry! I don't know nothing about no weaves, but maybe you should look for a father for those beautiful children in a church or prayer group instead of in a night club. Still, I pray for the Lord to frogive your blasphemus and larcenous ways. God bless you and your children.

John, Thank you so much for your comments. One should really hold off on a lenching until proven guilty. FYI...on Saturday morning the full amount of the THEFT was returned to my account as well as the BOGUS fee's. Another bit of news for your caring soul...the FRAUD department of the PD is now taking over the investigation. Does that begin to tell you what happened to the money? Once again...thank you so much for the conviction. It's great to know there are people like you out there ready to accuse w/o the facts.

You know....despite the fact that we live in a society that is high tech...paper trail still exists. There are several things that you can look before making the assumption that the bank stole your money. If Bank of America allowed such actions and it was undetectable....I don't think it would be one of the largest banks. If you are telling the truth...there are ways that you can prove it. If a counter debit was used, you have to fill out the name, address, phone number, the amount, and your signature. You can do a handwritting analysis and compare the item along with the other checks that you had written out of the account. That should be easy. Now let's just say that the teller was nice enough to write the information for you and you had to sign it. You claim that it's not your signature. The teller had to verify who you were either by recording ID or by you scanning the card. Now...if the teller stole your money....he or she would be going to jail for 20 years. Anybody can see that it's not worth going to prison for 20 years for $1200.00. So I doubt that's what happened. There is exactly two explanations to this issue. One...a customer came in and did a withdraw and the account number was off by one or two digits. Two....you are lying. I've seen people like you before. I am can almost guarantee that you are not telling the entire truth. That claim will be denied because the claim was a joke to begin with. There are so many different check points to detect fraud. You have no valid claim in this matter so don't even expect that money to appear on your account. I am an ex-bank employee and I have been in the business for over a decade. I got sick of it because of people like you. Even before I worked for the bank, I never had the reason to go into the bank because it was messed up. The NSF charges....there were not bogus. They were legit. They were probably giving you some fees back as a courtesy. You probably had so many checkcard transactions that you didn't bother to write on your register. You had small transactions that the funds were not there. You probably don't even have a register. If you did...you would not have had multiple NSF charges.

It sounds as if Dar has has a legitimate complaint and it is under investigation. Your assumption that she spends her money on "weaves" and her nails is very racist, especially in light that you have no clue what race she is. Stop being so damned holier-than-thou. Dar, I strongly suggest that you contact the California Banking Commission. Perhaps with their intervention, the investigation can be expedited. Good luck.

Virginia, Apparently you can't read. Did you understand that the BANK wrote a HOT check on this account? They cleaned the account out. Crooked teller, crooked employee somewhere in the bank...did you get that?? The NSF fee's were bogus and reversed. Perhaps understanding what you read and gathering all the facts would be beneficial to you before responding. Thanks for the advice though about the nails and weave. I laugh at the thought. If I had time to get my nails done and spend hours in a chair getting a weave...I wouldn't have time to work & wouldn't have to worry about a bank ripping me off. Thanks Virgina but your off on this one.

Why don't you take responsibility for your actions? You bounced the checks, you tried to ripoff the ATM by taking out too much money? When you do that intentionally, like you said, then you're stealing from the bank. Then you have the nerve to say BofA is stealing from you? b***h, please! You're the fraud! If my babies were cold and hungry I would go get a job instead of coming up with ways to rip off the bank. And just so you know I hate Bank of A. Stop spending your money on nails and your weave and this stuff won't happen!