Complaint Review: Bank Of America - St. Petersburg Florida

To make things easier, I would have just cashed the check from the insurance company at the Bank listed on the check and then took the cash and bought a new bike, thus avoiding time cost and hassle with the bank about a bounced check problem.

Sorry to burst you bubble here, but BOA is NOT charging you $75.00, only $40.00. Let's do the math. According to YOU, BOA charged you $5.00 for the returned check that the INSURANCE COMPANY'S BANK returned because YOU forgot to endorse it. And then $35.00, which seems accesive for a first offense, for the check you wrote to Barnie's. $40.00 NOT $75.00. The other $35.00 is from Barnie's bank. So pay the $40.00 to BOA and the $35.00 to Barnie's and enjoy risking your life riding with all the s****..

Sorry to burst you bubble here, but BOA is NOT charging you $75.00, only $40.00. Let's do the math. According to YOU, BOA charged you $5.00 for the returned check that the INSURANCE COMPANY'S BANK returned because YOU forgot to endorse it. And then $35.00, which seems accesive for a first offense, for the check you wrote to Barnie's. $40.00 NOT $75.00. The other $35.00 is from Barnie's bank. So pay the $40.00 to BOA and the $35.00 to Barnie's and enjoy risking your life riding with all the s****..

Sorry to burst you bubble here, but BOA is NOT charging you $75.00, only $40.00. Let's do the math. According to YOU, BOA charged you $5.00 for the returned check that the INSURANCE COMPANY'S BANK returned because YOU forgot to endorse it. And then $35.00, which seems accesive for a first offense, for the check you wrote to Barnie's. $40.00 NOT $75.00. The other $35.00 is from Barnie's bank. So pay the $40.00 to BOA and the $35.00 to Barnie's and enjoy risking your life riding with all the s****..

Sorry to burst you bubble here, but BOA is NOT charging you $75.00, only $40.00. Let's do the math. According to YOU, BOA charged you $5.00 for the returned check that the INSURANCE COMPANY'S BANK returned because YOU forgot to endorse it. And then $35.00, which seems accesive for a first offense, for the check you wrote to Barnie's. $40.00 NOT $75.00. The other $35.00 is from Barnie's bank. So pay the $40.00 to BOA and the $35.00 to Barnie's and enjoy risking your life riding with all the s****..

Most of the time you can deposit a check without endorsement if you mark it "For deposit only". However, some checks specifically require you to endorse the check. Especially large checks and/or insurance checks. It is printed on the check. It will say not valid if not endorsed. This is your responsibility. The teller is trained to catch such things. So you should request a refund. But,I don't know that they are really obligated to do so. If they don't, then they probably don't really appreciate your business. And who told you that you could be arrested? It sounds like you knew when you deposited the check that it wasn't endorsed but then you go on to say you forgot. Please clarify. Also Bank of America did not charge you $75.00 as you imply. (Although,you do clarify in the details)

Jarrod, You are 100% correct even though you forgot to sign the check. An attentive and competent teller would have turned it over and handed it back to you and asked for your signature. I have forgotten to sign numerous checks with BofA and every time they have handed it back to me for a signature, and I even got one returned to me that I deposited in the ATM a few years ago. No fee. That teller is required to be sure items are in order when accepted for deposit. This was the tellers responsibility. I would identify it as such and not let it go. Contact the corporate office in writing. I think $75 is a little excessive, especially in addition to an NSF fee! I suggest you go back to Barney's with a cashier's check! Good luck!

I had an account with B of A for over 30 years. Their costomer service just got worse and worse. Finally I closed the account and went to ----. They are great! sorry, allowing you to give a competitors name would instigate others to just file against their competition, to only come back later to suggest their company your comments on this policy are welcome! CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

Why is it the bank's fault that YOU failed to endorse the check? This is something that you should have checked before presenting the check to your bank.

...however, (and I almost NEVER take this stance) I am the CUSTOMER, the person on the other side of the counter is the BANKING PROFESSIONAL. It is his or her job to ensure that any and all transactions are done correctly. The Bank of America representative failed to ensure this. It's the same EXACT concept where I work (Guitar Center). It is my JOB, as a pro/live audio professional, to ensure that my clients get what they NEED, to ensure a PROPER transaction, and to follow up to make sure things went as expected. If I process something incorrectly, or foul up a transaction, it is NOT my customer's fault, it is MY fault. But it seems as if the banking industry is the only industry where a customer can get screwed, and nobody has to answer for it but the customer. The bottome line is this: If the check required a signature, they should have NEVER posted the funds to my account in the first place. They (Bank of America) should have NOTIFIED me of the situation, and suggested a way to rectify the problem, before taking PROFIT-AIMED STEPS to RIP ME OFF, like depositing funds and then withdrawing them THE DAY AFTER I write a check against said funds. It's bull**** like this that makes me see why some folks consider putting thier money under the mattress instead of into some fatcat-run bank with an overdriven profit motive. Forgetting to sign a check is NOT worthy of a $75 penalty. Period.

Your signature on the check means that you've agreed to accept the money as full settlement of the case. You waive any rights to demand more money from the insurance company later. The insurance company refused to pay the check because it wasn't signed. It wasn't the bank's fault.