Complaint Review: Bank Of America - Pennsylvania

Discrimination is where a company treats you differently based on your origin, creed, color, religion, or other reasons having to do with you as a person. By your own admission, there was no discrimination: "A few hours later when they were made aware of the complaint I filed with Ripoff Reports among some other reports, they withdrew the credit they had given her a couple of hours earlier, thereby, causing 8 overdraft fees on small purchase items ranging from $.30 to $23.49. A grand total of $280 in overdraft fees for a total of $51.52 in purchases." In this country, you have the right to express yourself however you wish and in whatever form of media you choose. However, as our founding fathers also knew back then, those freedoms often come with consequences. So, your decision to post to ROR cost you $280. You made a choice to report to ROR, and they made a choice to reinstitute the fees. What you did was validate cause and effect. The question is - how did the bank know you filed a ROR? Did you tell them, and why in the world did you tell them? Do you know that little admission cost you the $280? If you had just kept your mouth closed..... you'd have $280 more in your account. Sometimes discretion is the better part of valor. Oh, and you have no case against them for the fees either. Courts have ruled that banks have the right to post transactions in any manner they wish; they only have to disclose it. They do.

In the order that you posted your complaints. What is the proof you have that BoA is "skating" on deep discrimination. "Skating" is a very general term and is going to be impossible to prove. Either they are or they aren't. "I threatened BoA to sue and initiate a class action suit....". It's very difficult for an individual to sue a bank. I'm sure they have heard that at least a thousand times before. They have a team of lawyers. One individual can't file a class action suit. You can probably retain an attorney to see about gathering a group of individuals who might be interested in joining just such action. It's kind of odd that the bank would deal with you over your daughter's problems,at the bank. It's interesting that you state your daughter went into the bank to fill out an application for credit card application. Then once you filed online reports, they withdrew credit that they had given her. I find that hard to believe. It takes hours for a post to post on ROR and BoA could probably careless what anyone puts on this site. There wasn't enough time for any of what you suggest to happen, to happen, you're suggesting her denial was based on your posting on ripoff report. What exactly IS the discrimination that you are protesting? People being discriminated aganist BECAUSE they file a complaint online? At the end of your post, it sound like your daughter DID IN FACT have NSF's, but your complaint is they were MINOR, "small purchases, ranging from $.30 to $23.49, for a total of $51.52". The only problem is she got hit with $280 in NSF fees. Your time line is also wrong. If you went into the bank to argue over the NSF fees and threaten them with the suit, that means she already had the NSF fees and the issue of the credit card application, which is probably overdraft protection would not have protected her from the overdrafts she already had. By the way, I think BoA is one of the worse banks out there and wouldn't recommend anyone bank there. Bold discrimination aganist people who bounce checks is a hard sell.

"I threatened Bank of America to sue and initiate a class action suit on 10/24/07 after they had dealt unfairly and I asked them to reverse the overdraft fees to my daughter's account, AND they refused to do so." Them, as well as everyone else, knows you won't go through with your idle threats. Wasn't your other misguided bullshit complaint enough for you - didn't get the answers/sympathy you were hoping for? Again, as was stated in your other complaint, computers CAN NOT discriminate - not that you have actually proven any to begin with - only what YOU PERCEIVE as discrimination for shock value. Don't spend money you don't have.