Complaint Review: BOFA BANK OF AMERICA B Of A - Charlotte, North Carolina California

can type in 555030 at this site and read Ripoff Report #555030 and all of the comments for important information.

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Sorry, but I have all the proof I need that Bank of America does, in fact hold deposits. I have been receiving a disability check from the Veterans Adminstration for over 20 years. I have had my direct deposit going to one of my old accounts and recently decided to get rid of accounts (I had five) that I no longer needed since I've stopped traveling for work. My disability check has always been deposited into my account on the 25th, 26th, or 27th. Remember over 20 years I've been receiving disability. When I changed my direct deposit to Bank of America, my check now posts on the 1st of the following month. It's not a big deal to me, but it's proof that they are holding my deposit for as much as 6 days. When I questioned customer service? They told me the same "scripted" story they give everyone.

Multiply that by the millions of dollars in direct deposits and then by the interest.

In the 4 years I had an account with B of A, I experienced many unethical business practices dealing with them. They're a huge corporation, you and I will never do a thing to them without the government bailing them out.

Best thing you can do, take your money out of Bank of America. Find a nice little hometown bank and live without some of the "big bank" benifits. You'll be happier.

OVERDRAFT POEM My money's all gone The bank's CEO laughed I call it theft by deception He says it's a bank OVERDRAFT! We can't afford salmon or tuna Gotta go catch us some carp The bank's CEO keeps laughing Government still throwing 'em TARP. That's the TAXPAYER'S money They're getting richer each day While we're all fishing for carp They're eating lobster & fillet! Obama said he's for us Said it last year's campaign Now we're losing our jobs While CEO's sip their champagne! What's going on in this country Seems as though EVERYONE lied No more salmon or tuna Only carp that's deep-fried. OVERDRAFT POEM is over Got me a fish that's a bitin' I'll fillet it and deep-fry it And I'll never stop fightin'. End. P.S. Make sure to 'Google' all of the following & watch them on the web- THE OBAMA DECEPTION THE ASCENT OF MONEY PBS INSIDE THE MELTDOWN AMERICA: FREEDOM TO FASCISM FRONTLINE THE MADOFF AFFAIR DID SPECULATION FUEL OIL PRICE SWINGS FRONTLINE BREAKING THE BANK 9/11 PRESS FOR TRUTH BUSH'S WAR *Thank you. And don't forget to 'Google' this- SLUDGE POEM, and read the poem that got it all going! Exactly two weeks after 'SLUDGE POEM' was written & posted about Toyota's CEO, he QUIT! 'SLUDGE POEM' was posted here at Ripoffreport.com on 8-23-2007, and Jim Press announced his resignation with Toyota on 9-6-2007. WRITE A POEM- THEY'LL ALL KNOW 'EM!

OVERDRAFT POEM My money's all gone The bank's CEO laughed I call it theft by deception He says it's a bank OVERDRAFT! We can't afford salmon or tuna Gotta go catch us some carp The bank's CEO keeps laughing Government still throwing 'em TARP. That's the TAXPAYER'S money They're getting richer each day While we're all fishing for carp They're eating lobster & fillet! Obama said he's for us Said it last year's campaign Now we're losing our jobs While CEO's sip their champagne! What's going on in this country Seems as though EVERYONE lied No more salmon or tuna Only carp that's deep-fried. OVERDRAFT POEM is over Got me a fish that's a bitin' I'll fillet it and deep-fry it And I'll never stop fightin'. End. P.S. Make sure to 'Google' all of the following & watch them on the web- THE OBAMA DECEPTION THE ASCENT OF MONEY PBS INSIDE THE MELTDOWN AMERICA: FREEDOM TO FASCISM FRONTLINE THE MADOFF AFFAIR DID SPECULATION FUEL OIL PRICE SWINGS FRONTLINE BREAKING THE BANK 9/11 PRESS FOR TRUTH BUSH'S WAR *Thank you. And don't forget to 'Google' this- SLUDGE POEM, and read the poem that got it all going! Exactly two weeks after 'SLUDGE POEM' was written & posted about Toyota's CEO, he QUIT! 'SLUDGE POEM' was posted here at Ripoffreport.com on 8-23-2007, and Jim Press announced his resignation with Toyota on 9-6-2007. WRITE A POEM- THEY'LL ALL KNOW 'EM!

OVERDRAFT POEM My money's all gone The bank's CEO laughed I call it theft by deception He says it's a bank OVERDRAFT! We can't afford salmon or tuna Gotta go catch us some carp The bank's CEO keeps laughing Government still throwing 'em TARP. That's the TAXPAYER'S money They're getting richer each day While we're all fishing for carp They're eating lobster & fillet! Obama said he's for us Said it last year's campaign Now we're losing our jobs While CEO's sip their champagne! What's going on in this country Seems as though EVERYONE lied No more salmon or tuna Only carp that's deep-fried. OVERDRAFT POEM is over Got me a fish that's a bitin' I'll fillet it and deep-fry it And I'll never stop fightin'. End. P.S. Make sure to 'Google' all of the following & watch them on the web- THE OBAMA DECEPTION THE ASCENT OF MONEY PBS INSIDE THE MELTDOWN AMERICA: FREEDOM TO FASCISM FRONTLINE THE MADOFF AFFAIR DID SPECULATION FUEL OIL PRICE SWINGS FRONTLINE BREAKING THE BANK 9/11 PRESS FOR TRUTH BUSH'S WAR *Thank you. And don't forget to 'Google' this- SLUDGE POEM, and read the poem that got it all going! Exactly two weeks after 'SLUDGE POEM' was written & posted about Toyota's CEO, he QUIT! 'SLUDGE POEM' was posted here at Ripoffreport.com on 8-23-2007, and Jim Press announced his resignation with Toyota on 9-6-2007. WRITE A POEM- THEY'LL ALL KNOW 'EM!

That is all.

You see, the ENTIRE system in the USA is corrupt, wouldn't you NOW agree? 'Google' this- 3 NEW JERSEY MAYORS AND 5 RABBIS AMONG THOSE ARRESTED, and read it now! 'Google' this- AUTO DEALER LOUIS F HARRELSON TO PLEAD GUILTY, and read it now! 'Google' this- FIVE FORMER INSURANCE EXECS FOUND GUILTY OF FRAUD, and read it now! 'Google' this BANK OF AMERICA COMPLAINTS SECRET LIFE INSURANCE POLICIES, and read it now! *I can go on & on & on & on................... WELCOME TO AMERICA- IN FRAUD WE TRUST!

And anyone can believe what is stated in that article, correct? And anyone working at a Bank of America branch can do their research in order to find out if they might have a 'SECRET LIFE INSURANCE POLICY' out on their life, right? They could simply contact the law firm handling the case and find what's happening, wouldn't you agree? POWER TO THE PEOPLE

You should NEVER believe everything you see on the internet. Most of it is sheer garbage. A lot of your stuff belongs in the refuse pile. If the real honest truth were allowed on the internet, none of those articles would appear. Insofar as predictions go, let's remember even a broken clock is right twice a day..... Your truth is a fabrication Karl. That's why no one takes it seriously.

Jp Morgan Chase, Citigroup, Bear Stearns, Wachovia, Wells Fargo, & others, according to the article, which you can 'Google' entitled- BANK OF AMERICA COMPLAINTS SECRET LIFE INSURANCE POLICIES, that's available on the web. 'GOOGLE' it & READ IT NOW! SPREAD IT ALL OVER the web, at sites like- 'Twitter', 'Facebook', & any other popular site on the web, & print copies of that article & pass it out to all the EMPLOYEES at these banks so they can see what's going on, okay? Thank you.

Alice is looking for you Maintaining a check register and reconciling your monthly bank statement is the only way to avoid overdraft fees And NO I do not work for any bank PERIOD Grow up and learn to take responsibility for your finances Stacey

Alice is looking for you Maintaining a check register and reconciling your monthly bank statement is the only way to avoid overdraft fees And NO I do not work for any bank PERIOD Grow up and learn to take responsibility for your finances Stacey

Alice is looking for you Maintaining a check register and reconciling your monthly bank statement is the only way to avoid overdraft fees And NO I do not work for any bank PERIOD Grow up and learn to take responsibility for your finances Stacey

former & current employees without their knowledge or consent, and then collecting the benefits when they DIED! 'Google' this- BANK OF AMERICA COMPLAINTS SECRET LIFE INSURANCE POLICIES, and read the article NOW! Thank you. P.S, Don't forget to visit the- 'WELLS FARGO', the 'WACHOVIA', the 'JP MORGAN CHASE', the 'CITIGROUP', the 'WASHINGTON MUTUAL', the 'BEAR STEARNS', & the 'TOYOTA' page of this site; the #1 site in the WORLD- Ripoffreport.com SPREAD THIS ALL OVER THE WORLDWIDE WEB NOW!!!

You are going to get a lot of negative responses when you go to file reports here regarding bank scams..and they will twist things around and double talk..and defend the thieves (I mean banks) that abuse the most vulnerable victims (customers) relentlessly. They will insult and berate you..and tell you that you are not financially responsible and put yourself into this mess... Just ignore it... They can not get this through their thick skulls..or refuse to purposely but... As I read through more and more of the complaints about the way these banks conducts business..I am kind of getting tired of the replies about how prevent overdraft and NSF fees. GET THIS CLEAR!!!... NO ONE IS ASKING HOW TO PREVENT OD/NSF FEES!!!...and no one is asking the bank to dismiss legitimate OD/NSF fees. No one needs to be told to use a register..and no one needs to be told that the bank is not at fault because of the terms and conditions contract. (Not everything in a contract is always legal..regardless of who agrees to it) All we want (AND TRUST ME WE WILL GET IT) is the money that was ROBBED from us back due to the "*re-sequencing" SCAM..We DO NOT want or expect a refund for any legitimate overdrafts or NSF fees, we want a refund from ANY and ALL fees that were charged as overdrafts when the funds were available at time of transaction..its really is that simple, I think a child would understand...I can't explain it any simpler. But if you need more detail just read through a few hundred of the reports filed against this bank like I have and it should clear things up. * read though the Wachovia ripoff reports if you want more info on this scam. My only suggestion to all who are going through this is stick to your guns..participate in the class action law suits..write your congressmen..go to the recommended websites to read, contribute, lodge your complaints etc, make what you are going through as public as possible..newspapers, cable TV news..any contacts or connections in the news industry..even a small local paper..all good to report this to....and keep reading through these reports...not just regarding this bank but ALL the bank rip off reports..when we commence with the lawsuit there are more then one bank that we are going after. (Mainly Wachovia and Bank of America, but may be more)

I'm not a bank employee, never have been and don't see any reason to be one in the future. I've noticed that many people resort to the "bank employee" fallacy when they can't form a substantive argument.

B of A employees are the most calous people I've encountered in two weeks of having an account with this bank. I'm 40 years old and have never had a banking problem or issue until I mistakenly opened a new account with B of A when we moved to a new city two weeks ago. I just closed my account and went back to a "small" bank where the bank and the employees listen to people, don't lose your deposits and actually care if I have my money in their bank or not. THis is the worst bank I have ever had since I was 16 years old...thank gosh it was for only two weeks!

for so many people who post Rip Off Reports, okay? I'll give the information you'll need first, then I'll ask the question at the end. First, 'Google' this- SANHEDRIN TRIAL OF JESUS, and read it. Make sure to pay attention to the following quote: 'Jesus was then put on trial by Jewish authorities...' Now 'Google' this- DR MANDELSTAMM OF KIEFF, and go to the site- 'Page 88- Controversy of Zion' & read Dr. Mandelstamm's quote that appears on 'Page 94' of that passage, and then read the entire passage entitled- 'The Talmud And The Ghettoes' at least 3 or 4 times, so it sinks in, okay? And lastly, take a look at what's going on all over the world right now. People are protesting in Honduras, they're protesting in Iran, they're protesting in parts of China, they're protesting in Europe, & millions of Americans are protesting all over the worldwide web, correct? Some people are even producing documentaries like- 'The Obama Deception', & 'The Ascent of Money', & 'America: Freedom to Fascism', & others, right? And if you take a look at 'WHO' is REALLY in POWER in the USA, & in Great Britain, & in other parts of Europe, you'd have to agree that the Central Bankers are REALLY the 'ones' who are in control of the economies & governments, wouldn't you agree? If you 'Googled' & watched this- INSIDE THE MELTDOWN, you would know that it was Ben Bernanke & Henry Paulson who went into that 'emergency meeting' with members of Congress and said that they needed $700 BILLION or the WORLD ECONOMY would 'meltdown' in a matter of days, correct? Ben Bernanke is the FED chairman, right? Henry Paulson was the Treasury Secretary, and WAS the CEO of Goldman Sachs before he became Treasury Secretary, right? Keeping all of this in mind, & knowing that the WORLD ECONOMY was about to 'meltdown', and MILLIONS of people are now protesting all over the world, it is POSSIBLE that things were in bad shape about 2,000 years ago when Jesus was living, right? Keeping all of this in mind, I'll ask you the QUESTION I'd like you to answer, okay? QUESTION: WHY do you think Jesus was put on trial by Jewish authorities, and eventually CRUCIFIED? Thank you, in advance, for answering this question. Sincerely, Karl

for so many people who post Rip Off Reports, okay? I'll give the information you'll need first, then I'll ask the question at the end. First, 'Google' this- SANHEDRIN TRIAL OF JESUS, and read it. Make sure to pay attention to the following quote: 'Jesus was then put on trial by Jewish authorities...' Now 'Google' this- DR MANDELSTAMM OF KIEFF, and go to the site- 'Page 88- Controversy of Zion' & read Dr. Mandelstamm's quote that appears on 'Page 94' of that passage, and then read the entire passage entitled- 'The Talmud And The Ghettoes' at least 3 or 4 times, so it sinks in, okay? And lastly, take a look at what's going on all over the world right now. People are protesting in Honduras, they're protesting in Iran, they're protesting in parts of China, they're protesting in Europe, & millions of Americans are protesting all over the worldwide web, correct? Some people are even producing documentaries like- 'The Obama Deception', & 'The Ascent of Money', & 'America: Freedom to Fascism', & others, right? And if you take a look at 'WHO' is REALLY in POWER in the USA, & in Great Britain, & in other parts of Europe, you'd have to agree that the Central Bankers are REALLY the 'ones' who are in control of the economies & governments, wouldn't you agree? If you 'Googled' & watched this- INSIDE THE MELTDOWN, you would know that it was Ben Bernanke & Henry Paulson who went into that 'emergency meeting' with members of Congress and said that they needed $700 BILLION or the WORLD ECONOMY would 'meltdown' in a matter of days, correct? Ben Bernanke is the FED chairman, right? Henry Paulson was the Treasury Secretary, and WAS the CEO of Goldman Sachs before he became Treasury Secretary, right? Keeping all of this in mind, & knowing that the WORLD ECONOMY was about to 'meltdown', and MILLIONS of people are now protesting all over the world, it is POSSIBLE that things were in bad shape about 2,000 years ago when Jesus was living, right? Now I'll ask you the QUESTION I'd like you to answer, okay? QUESTION: WHY do you think Jesus was put on trial by Jewish authorities, and eventually CRUCIFIED? Thank you, in advance, for answering this question. Sincerely, Karl

for so many people who post Rip Off Reports, okay? I'll give the information you'll need first, then I'll ask the question at the end. First, 'Google' this- SANHEDRIN TRIAL OF JESUS, and read it. Make sure to pay attention to the following quote: 'Jesus was then put on trial by Jewish authorities...' Now 'Google' this- DR MANDELSTAMM OF KIEFF, and go to the site- 'Page 88- Controversy of Zion' & read Dr. Mandelstamm's quote that appears on 'Page 94' of that passage, and then read the entire passage entitled- 'The Talmud And The Ghettoes' at least 3 or 4 times, so it sinks in, okay? And lastly, take a look at what's going on all over the world right now. People are protesting in Honduras, they're protesting in Iran, they're protesting in parts of China, they're protesting in Europe, & millions of Americans are protesting all over the worldwide web, correct? Some people are even producing documentaries like- 'The Obama Deception', & 'The Ascent of Money', & 'America: Freedom to Fascism', & others, right? And if you take a look at 'WHO' is REALLY in POWER in the USA, & in Great Britain, & in other parts of Europe, you'd have to agree that the Central Bankers are REALLY the 'ones' who are in control of the economies & governments, wouldn't you agree? If you 'Googled' & watched this- INSIDE THE MELTDOWN, you would know that it was Ben Bernanke & Henry Paulson who went into that 'emergency meeting' with members of Congress and said that they needed $700 BILLION or the WORLD ECONOMY would 'meltdown' in a matter of days, correct? Ben Bernanke is the FED chairman, right? Henry Paulson was the Treasury Secretary, and WAS the CEO of Goldman Sachs before he became Treasury Secretary, right? Keeping all of this in mind, & knowing that the WORLD ECONOMY was about to 'meltdown', and MILLIONS of people are now protesting all over the world, it is POSSIBLE that things were in bad shape about 2,000 years ago when Jesus was living, right? Now I'll ask you the QUESTION I'd like you to answer, okay? QUESTION: WHY do you think Jesus was put on trial by Jewish authorities, and eventually CRUCIFIED? Thank you, in advance, for answering this question. Sincerely, Karl

for so many people who post Rip Off Reports, okay? I'll give the information you'll need first, then I'll ask the question at the end. First, 'Google' this- SANHEDRIN TRIAL OF JESUS, and read it. Make sure to pay attention to the following quote: 'Jesus was then put on trial by Jewish authorities...' Now 'Google' this- DR MANDELSTAMM OF KIEFF, and go to the site- 'Page 88- Controversy of Zion' & read Dr. Mandelstamm's quote that appears on 'Page 94' of that passage, and then read the entire passage entitled- 'The Talmud And The Ghettoes' at least 3 or 4 times, so it sinks in, okay? And lastly, take a look at what's going on all over the world right now. People are protesting in Honduras, they're protesting in Iran, they're protesting in parts of China, they're protesting in Europe, & millions of Americans are protesting all over the worldwide web, correct? Some people are even producing documentaries like- 'The Obama Deception', & 'The Ascent of Money', & 'America: Freedom to Fascism', & others, right? And if you take a look at 'WHO' is REALLY in POWER in the USA, & in Great Britain, & in other parts of Europe, you'd have to agree that the Central Bankers are REALLY the 'ones' who are in control of the economies & governments, wouldn't you agree? If you 'Googled' & watched this- INSIDE THE MELTDOWN, you would know that it was Ben Bernanke & Henry Paulson who went into that 'emergency meeting' with members of Congress and said that they needed $700 BILLION or the WORLD ECONOMY would 'meltdown' in a matter of days, correct? Ben Bernanke is the FED chairman, right? Henry Paulson was the Treasury Secretary, and WAS the CEO of Goldman Sachs before he became Treasury Secretary, right? Keeping all of this in mind, & knowing that the WORLD ECONOMY was about to 'meltdown', and MILLIONS of people are now protesting all over the world, it is POSSIBLE that things were in bad shape about 2,000 years ago when Jesus was living, right? Now I'll ask you the QUESTION I'd like you to answer, okay? QUESTION: WHY do you think Jesus was put on trial by Jewish authorities, and eventually CRUCIFIED? Thank you, in advance, for answering this question. Sincerely, Karl

for so many people who post Rip Off Reports, okay? I'll give the information you'll need first, then I'll ask the question at the end. First, 'Google' this- SANHEDRIN TRIAL OF JESUS, and read it. Make sure to pay attention to the following quote: 'Jesus was then put on trial by Jewish authorities...' Now 'Google' this- DR MANDELSTAMM OF KIEFF, and go to the site- 'Page 88- Controversy of Zion' & read Dr. Mandelstamm's quote that appears on 'Page 94' of that passage, and then read the entire passage entitled- 'The Talmud And The Ghettoes' at least 3 or 4 times, so it sinks in, okay? And lastly, take a look at what's going on all over the world right now. People are protesting in Honduras, they're protesting in Iran, they're protesting in parts of China, they're protesting in Europe, & millions of Americans are protesting all over the worldwide web, correct? Some people are even producing documentaries like- 'The Obama Deception', & 'The Ascent of Money', & 'America: Freedom to Fascism', & others, right? And if you take a look at 'WHO' is REALLY in POWER in the USA, & in Great Britain, & in other parts of Europe, you'd have to agree that the Central Bankers are REALLY the 'ones' who are in control of the economies & governments, wouldn't you agree? If you 'Googled' & watched this- INSIDE THE MELTDOWN, you would know that it was Ben Bernanke & Henry Paulson who went into that 'emergency meeting' with members of Congress and said that they needed $700 BILLION or the WORLD ECONOMY would 'meltdown' in a matter of days, correct? Ben Bernanke is the FED chairman, right? Henry Paulson was the Treasury Secretary, and WAS the CEO of Goldman Sachs before he became Treasury Secretary, right? Keeping all of this in mind, & knowing that the WORLD ECONOMY was about to 'meltdown', and MILLIONS of people are now protesting all over the world, it is POSSIBLE that things were in bad shape about 2,000 years ago when Jesus was living, right? Keeping all of this in mind, I'll ask you the QUESTION I'd like you to answer, okay? QUESTION: WHY do you think Jesus was put on trial by Jewish authorities, and eventually CRUCIFIED? Thank you, in advance, for answering this question. Sincerely, Karl

for so many people who post Rip Off Reports, okay? I'll give the information you'll need first, then I'll ask the question at the end. First, 'Google' this- SANHEDRIN TRIAL OF JESUS, and read it. Make sure to pay attention to the following quote: 'Jesus was then put on trial by Jewish authorities...' Now 'Google' this- DR MANDELSTAMM OF KIEFF, and go to the site- 'Page 88- Controversy of Zion' & read Dr. Mandelstamm's quote that appears on 'Page 94' of that passage, and then read the entire passage entitled- 'The Talmud And The Ghettoes' at least 3 or 4 times, so it sinks in, okay? And lastly, take a look at what's going on all over the world right now. People are protesting in Honduras, they're protesting in Iran, they're protesting in parts of China, they're protesting in Europe, & millions of Americans are protesting all over the worldwide web, correct? Some people are even producing documentaries like- 'The Obama Deception', & 'The Ascent of Money', & 'America: Freedom to Fascism', & others, right? And if you take a look at 'WHO' is REALLY in POWER in the USA, & in Great Britain, & in other parts of Europe, you'd have to agree that the Central Bankers are REALLY the 'ones' who are in control of the economies & governments, wouldn't you agree? If you 'Googled' & watched this- INSIDE THE MELTDOWN, you would know that it was Ben Bernanke & Henry Paulson who went into that 'emergency meeting' with members of Congress and said that they needed $700 BILLION or the WORLD ECONOMY would 'meltdown' in a matter of days, correct? Ben Bernanke is the FED chairman, right? Henry Paulson was the Treasury Secretary, and WAS the CEO of Goldman Sachs before he became Treasury Secretary, right? Keeping all of this in mind, & knowing that the WORLD ECONOMY was about to 'meltdown', and MILLIONS of people are now protesting all over the world, it is POSSIBLE that things were in bad shape about 2,000 years ago when Jesus was living, right? Keeping all of this in mind, I'll ask you the QUESTION I'd like you to answer, okay? QUESTION: WHY do you think Jesus was put on trial by Jewish authorities, and eventually CRUCIFIED? Thank you, in advance, for answering this question. Sincerely, Karl

doesn't do very well, right? 'Google' this- NO PROFITS HERES A FAT BONUS, and read the CNNMoney.com article NOW! 'No profits? Here's a fat bonus!' *Maybe we should ALL go to work for Bank of America, Citigroup, Wells Fargo, Morgan Stanley, JP Morgan Chase, Goldman Sachs........, huh? I wonder how much money the banks made last year from the 'SECRET LIFE INSURANCE POLICIES' that they were taking out on the lives of their former & current employees? 'Google' this- BANK OF AMERICA COMPLAINTS SECRET LIFE INSURANCE POLICIES, and read that article, & let your friends & family & neighbors know what's going on in the banking industry, okay? POWER TO THE PEOPLE P.S. Everyone should 'Google' the following tonight & watch it on the web- AMERICA: FREEDOM TO FASCISM

doesn't do very well, right? 'Google' this- NO PROFITS HERES A FAT BONUS, and read the CNNMoney.com article NOW! 'No profits? Here's a fat bonus!' *Maybe we should ALL go to work for Bank of America, Citigroup, Wells Fargo, Morgan Stanley, JP Morgan Chase, Goldman Sachs........, huh? I wonder how much money the banks made last year from the 'SECRET LIFE INSURANCE POLICIES' that they were taking out on the lives of their former & current employees? 'Google' this- BANK OF AMERICA COMPLAINTS SECRET LIFE INSURANCE POLICIES, and read that article, & let your friends & family & neighbors know what's going on in the banking industry, okay? POWER TO THE PEOPLE P.S. Everyone should 'Google' the following tonight & watch it on the web- AMERICA: FREEDOM TO FASCISM

Frustrated, your daughter does have no one except her to blame for this mess. It has nothing to do wth defending a bank. It has everything to do with using just a little common sense. What happened to your daughter was not only preventable, but is now legal - thanks to our court system. You don't need a CPA to track the activity in the account (most are incompetent anyway); all you need is a check register and a pen to keep track of the spending. There is NOTHING a bank can do to you that will overdraft your account IF you have enough money in it. If you don't - that's your fault and be prepared for the worst. This is a teachable moment for your daughter - don't teach her to blame someone else. Teach her to keep track of her spending. Expensive lesson. Don't let it happen again and that would be the best lesson to teach anyone.

Frustrated wrote: "What's wrong with the people here siding with the bank on this?" Response: We are the ones who can manage our accounts without overdrafting. I'd say that nothing is wrong with us. Frustrated wrote: "I went through everything you did trying to understand their 'cleared vrs held' reports that a CPA might or might not understand. They kept blaming my daughter, etc. etc." Response: Well, was your daughter at fault? Frustrated wrote: "After reading the replies to your post, I wouldn't be surprised if nearly all of them are plants by BOA." Response: That's a common logical fallacy used by people who cannot argue their cases substantively. When presented with an explanation for how they overdrafted, they call other people bank employees or suggest that the people making rebuttals are somehow affiliated with the bank. It's kind of funny because we are the ones who are advocating paying no overdraft fees to the bank. If you really think about it, we are acting AGAINST the bank's best interests. Frustrated wrote: "but $455 in my daughters case or yours or countless other customers is entirely another. " Response: Well, if she overdrafted her account thirteen times then she would be charged thirteen overdraft fees. Would you and your daughter like some pointers on how to avoid paying overdraft fees in the future? Frustrated wrote: "Only a plant from the bank would take that approach." Response: Your logic is weak and unsound. Since I am not an employee or a contractor of BofA, your statement is also patently untrue. Frustrated wrote: "She's in college and has about $500/mo. for food, school needs, gas and transportation, etc. They just took $455 of it. They ran 14 transactions in a row in order of the highest first. All 13 overdrafts were for amounts less than $10, 7 of them were for charges less than $5." Response: Well, you just admitted that she overdrafted thirteen times. The amount of the overdraft is irrelevant. Your daughter agreed that if she overdrafts by a hundred dollars or by a penny that she would pay overdraft fees. I'd suggest teaching your daughter how to manage her account so she doesn't have to pay $455 in unnecessary fees again. Frustrated wrote: "All along, her balance reflected a positive amount, but their hidden hold of a $70 credit to the account threw her into the negative without her knowing." Response: Ah, now we see the problem. Your wording strongly suggests that your daughter is using online or phone or ATM banking and is not using a check register. It also appears that she spent part of that $70 credit before the funds were available. Get ready, Dad. If she continues these habits you'll see more instances of massive overdraft fees.

ON THE SIDE OF THE PEOPLE ANYMORE, in my opinion. The U.S. government is basically this- A sludging 'MACHINE' that is much too big, and it's broken & it has lost sight of its main purpose. (To SERVE the PEOPLE of the USA). It (the government) NEEDS the TAX REVENUE from corporations like Bank of America, Citigroup, Wells Fargo, Goldman Sachs, GM, Morgan Stanley, JP Morgan Chase........ & the many other Publicly Held corporations in this country whose ONLY GOAL is to make MONEY! Without TAX REVENUE, the government goes under, correct? That's WHY the government will PROTECT the corporations and will not protect the PEOPLE anymore. Lobbyists & 'Special Interest Groups' that represent the corporations in the USA control the politicians in Washington DC. It's NOT a coincidence that almost ALL politicians are LAWYERS! It's nothing but a BIG GAME, and we are the PAWNS. The government's 'TRUE MASTER' is this- The Federal Reserve. (in my opinion) The Federal Reserve is simply a private corporation owned by a 'cartel' of bankers, right? Americans simply need to CANCEL their accounts with EVERY Publicly Held bank IMMEDIATELY! It's that simple. And Americans need to STOP purchasing products from corporations that 'prey upon' the innocent people of the USA, wouldn't you agree? Also, Americans, in my opinion, should CASH-IN every RETIREMENT ACCOUNT, CD, IRA, 401K........ right NOW! WHY? A single nuclear blast in the Middle East would trigger the COLLAPSE of every stock market in the WORLD! Americans would be left with NOTHING if that happened, right? Take a look at what's going on in Pakistan. Pakistan has about 100 nuclear weapons. If Pakistan falls ito the wrong hands, what do you think COULD happen? Remember- RETIREMENT ACCOUNTS, IRA's, 401K's, etc., are NOT protected by the FDIC, correct? Our WORLD is falling apart, but most don't see it. They've become too alienated. Every society in the WORLD is COLLAPSING. YOU MUST 'Google' & watch all of the following on the web in order to see what's REALLY going on in the USA- INSIDE THE MELTDOWN THE OBAMA DECEPTION AMERICA: FREEDOM TO FASCISM THE ASCENT OF MONEY PBS DID SPECULATION FUEL OIL PRICE SWINGS 9/11 PRESS FOR TRUTH BUSH'S WAR YOUTUBE CONDOLEEZZA RICE LIAR FRONTLINE THE MADOFF AFFAIR CHINA INVESTMENT AN OPEN BOOK ***I didn't make these up! WATCH THEM!!! And simply take a look at all the CORRUPTION in our government! 'Google' this- 3 NEW JERSEY MAYORS AND 5 RABBIS AMONG THOSE ARRESTED, and read it! I believe that EVERY state in America has CORRUPT politicians! The FBI just doesn't have the time, & the manpower to set up 'sting' operations & expose all of them. The USA (in my opinion) is being controlled by evil forces, & the USA has become a CESSPOOL of- FRAUD, DECEPTION, LIES, GREED, DEEP CORRUPTION, MANIPULATION, TRICKERY, EVIL, & the CONSTANT PURSUIT TO FINANCIALLY INJURE THE INNOCENT PEOPLE OF AMERICA, & THE INNOCENT PEOPLE ALL OVER THE WORLD. CESSPOOL (definition)- 2. 'A filthy, disgusting, or morally corrupt place.' 'Google' this- CESSPOOL DEFINITION OF CESSPOOL BY THE FREE ONLINE DICTIONARY, to read that definition. Thank you. Good luck to you & your family! ONE LAST THING- 'Google' this- RIP OFF REPORT FUEL FREEDOM INTERNATIONAL MPG CAPS, and go to the 2001 Toyota Tacoma Rip Off Report and read the 'Update' entitled- 'Blame it on a Lawyer'. It was posted on August 21st 2007 when the Dow Jones was around 14,000. Look at the last thing stated- QUOTE: 'Get ALL of your money out of the stock market now! The Collapse HAS been triggered!!!!' GUESS WHAT? IT HAPPENED, didn't it? Welcome to America- IN FRAUD WE TRUST!

Teach your daughter to use a check book and record purchases. Have her stop using a debit card for purchases under 10$, use cash for that. Be aware of your banking agreement. It states that they will process transactions in the order of largest to smallest. And no, I do not work for any bank. I would like to see this source of revenue dry up for banks, but its going to take people taking responsibility for their accounts first.

What's wrong with the people here siding with the bank on this? I had no problem following your letter because it was as if I had written it myself. They did exactly what you describe to my daughter in college hitting her with 13 OD charges of $35 ea. in one night. I went through everything you did trying to understand their "cleared vrs held" reports that a CPA might or might not understand. They kept blaming my daughter, etc. etc. After reading the replies to your post, I wouldn't be surprised if nearly all of them are plants by BOA. These people here who are telling you to suck it up are missing the point. Sucking up the charges for a mistake you made is one thing, if you in fact made it, but $455 in my daughters case or yours or countless other customers is entirely another. Only a plant from the bank would take that approach. Like yourself, my daughter is living on a shoestring. She's in college and has about $500/mo. for food, school needs, gas and transportation, etc. They just took $455 of it. They ran 14 transactions in a row in order of the highest first. All 13 overdrafts were for amounts less than $10, 7 of them were for charges less than $5. All along, her balance reflected a positive amount, but their hidden hold of a $70 credit to the account threw her into the negative without her knowing. When you said a bank used to be a place to protect your money is true. This bank has clearly declared a very public war against their customers and the US government. They come right out and tell you if you let your guard down for a second, they will pounce. I'm with you 100%. If you figure out a way to get through to these people, please let me know.

What's wrong with the people here siding with the bank on this? I had no problem following your letter because it was as if I had written it myself. They did exactly what you describe to my daughter in college hitting her with 13 OD charges of $35 ea. in one night. I went through everything you did trying to understand their "cleared vrs held" reports that a CPA might or might not understand. They kept blaming my daughter, etc. etc. After reading the replies to your post, I wouldn't be surprised if nearly all of them are plants by BOA. These people here who are telling you to suck it up are missing the point. Sucking up the charges for a mistake you made is one thing, if you in fact made it, but $455 in my daughters case or yours or countless other customers is entirely another. Only a plant from the bank would take that approach. Like yourself, my daughter is living on a shoestring. She's in college and has about $500/mo. for food, school needs, gas and transportation, etc. They just took $455 of it. They ran 14 transactions in a row in order of the highest first. All 13 overdrafts were for amounts less than $10, 7 of them were for charges less than $5. All along, her balance reflected a positive amount, but their hidden hold of a $70 credit to the account threw her into the negative without her knowing. When you said a bank used to be a place to protect your money is true. This bank has clearly declared a very public war against their customers and the US government. They come right out and tell you if you let your guard down for a second, they will pounce. I'm with you 100%. If you figure out a way to get through to these people, please let me know.

What's wrong with the people here siding with the bank on this? I had no problem following your letter because it was as if I had written it myself. They did exactly what you describe to my daughter in college hitting her with 13 OD charges of $35 ea. in one night. I went through everything you did trying to understand their "cleared vrs held" reports that a CPA might or might not understand. They kept blaming my daughter, etc. etc. After reading the replies to your post, I wouldn't be surprised if nearly all of them are plants by BOA. These people here who are telling you to suck it up are missing the point. Sucking up the charges for a mistake you made is one thing, if you in fact made it, but $455 in my daughters case or yours or countless other customers is entirely another. Only a plant from the bank would take that approach. Like yourself, my daughter is living on a shoestring. She's in college and has about $500/mo. for food, school needs, gas and transportation, etc. They just took $455 of it. They ran 14 transactions in a row in order of the highest first. All 13 overdrafts were for amounts less than $10, 7 of them were for charges less than $5. All along, her balance reflected a positive amount, but their hidden hold of a $70 credit to the account threw her into the negative without her knowing. When you said a bank used to be a place to protect your money is true. This bank has clearly declared a very public war against their customers and the US government. They come right out and tell you if you let your guard down for a second, they will pounce. I'm with you 100%. If you figure out a way to get through to these people, please let me know.

READ IT! SPREAD THE WORD ALL OVER THE WORLDWIDE WEB! Have everyone on the web 'Google' this- 3 NEW JERSEY MAYORS AND 5 RABBIS AMONG THOSE ARRESTED IN FEDERAL, and read it. Question: Aren't Mayors and Rabbis just some of the people who we are SUPPOSED to trust in this country? Mayors are elected officials, right? And Rabbis are religious leaders, aren't they? WELCOME TO AMERICA- ONE BIG FAT LIE! P.S. Make sure to 'Google' all of the following and watch them on the web- THE ASCENT OF MONEY PBS INSIDE THE MELTDOWN THE OBAMA DECEPTION FRONTLINE THE MADOFF AFFAIR AMERICA: FREEDOM TO FASCISM DID SPECULATION FUEL OIL PRICE SWINGS Thank you.

unless there is a statutory reason such as Federal Regulation CC which allows banks to hold very large deposits for as many as 5 business days. In those cases, the account holder is notified of the hold and yes, they have to deal with it. The stories of people's paychecks being held stems not from the bank, but with either the payroll processing company that doesn't make the funds available (at the request of the employer) or the employer itself. In the case of the latter, the employer makes the funds available to the bank, but directs the bank to make the money available late in the day Friday so as to benefit - THE EMPLOYER. This is a fact unbeknownst to most employees of the employer who can easily blame the bank because it's easy to blame the bank. They're the big bad villain. The truth is that it's the employer's fault for not making that money available sooner. The truth is - banks get blamed for a lot of garbage that happens that isn't their function or their fault. It's not a matter of being an advocate; it's just I've seen employers manipulate employee checks regarding when they're submitted and when the money becomes available.

The main point the OP here was making is that B of A seems to take longer to post deposits. I use paypal quite a bit, and normally it was around 2 days until it hit my account, and it usually worked like clockwork. But it sounds like the OP was trusting(or needing) that the funds would be available in a normal time period, and they are infuriated that the bank took longer than average, and transactions started bouncing because of this. They do have a somewhat legit complaint, something does seem fishy. I have read of others having their paychecks 'held' for days on end to clear too. But that comes to a problem. Are you just supposed to NOT need money in that mean time? Put your life on hold, don't buy gas, food, etc, until the bank clears your transaction? The bank says 'yes' in a roundabout way. The unfortunate thing is that we are forced to trust these institutions to take care of our transactions in a timely manner. People need money, and they don't need a bank messing with their money. Thats peoples livelyhoods they are trivializing. Personally, i think if a bank is holding deposits, they are doing so for their own benefit. Checks these days take no more than 24 hours to clear with ANY US BANK. Electronic transactions are the same way. They don't just 'float' out there in mid air someplace. Unfortunately they use these hold times against consumers, because when it comes right down to it, they are are business who is out to PROFIT, caring about accountholders comes WAY below profit making, and they are doing it in underhanded ways. Just keep that in mind next time you deposit your money.

But mistakes do happen. I see several people posting here defending the banks with holy'er than thou tactics. My argument was, in most peoples daily routines, we are pressured to spend spend spend all day long. Little expenses add up. Not everyone keeps a little black book jotting down all of those little less than $10 transactions. I would say a good percentage of people do this. Now maybe 90% of the time you pretty much know down to the penny what you have. But under the pressure of our daily lives of 'spending spree', its easy to make mistakes. No one has the right to look down on anyone for making a simple mistake. My argument was simply that the banks are grossly overcharging for simple mistakes. Its not justifiable. Those who it doesn't effect, they really could not give a rats a*s, and they will come along defending the bank. but those people probably havent struggled, been under the daily grind of trying to stretch that paycheck out. Its not compliacted, its no more than simple math. Banks just OVERCHARGE grossly. Making money from peoples MISTAKES is big business. Banks make that abundantly clear. Is it right? is it justifyable? Maybe in some cases. Tell me, is that normal guy that made a $10 mistake that turned into a $300 series of overdrafts justifyable? NO...... Thats like swatting a fly with a bazzoka. I say this because this happened to me, I made a simple mistake, was a couple dollars off on a calculation on a time when I was running lean. That turned into a cascade of hundreds of dollars of overdrafts, when the whole time, I was only $10 short. Basically they are taking money for free, they are making a huge profit, and just pissing money away. Its a simple solution, if you run lean frequently, and you are the type who has dozens of small transactions a day, just keep the bank out of the loop, especially if you are running lean. I for one, spend much less in lean times by doing this.

That's the primary difference here. If the people of this country exercised one bit of due care, they would not incur a sngle OD fee - and that includes Kyle. What Kyle has done though is act on what I have been advocating which is to basically stick to checks and cash and not to use a bank debit card. Now a bank can't make anything on him. Om the other hand, one does not need to shed their bank account in order to live a life like this; they only have to exercise some level of care when it comes to their money. But they don't and that's the difference. It's not a matter of anyone being an advocate of a bank or not; this is a due care issue only.

This is a prime example of why our economy is in the tank. Banks get away with it all the time, basically they capitalize on everyone mistakes. Small mistakes, with big charges. could be a $10 overdraft, but why does that earn a charge nearly four times the amount, or even more? Here in america, we were spoiled rotten, businesses left and right were making out like bandits and banks were among the worst of them, becuase they make their own rules, and leave you with little or no tools to fight against them. Bank fees are B.S. Yes there are situations where they are earned rightfully. But then there are minor mistakes, that turn into someone not being able to pay their rent that month. What if that $35 fee turns into 4 other transactions bouncing? Is that person just supposed to have extra money on DEMAND lying around just to cover those extra fees? They sure think we do, but obviously we dont. basically, America has been getting the shaft by years by the biggest of businesses, and now they are finally starting to suffer for their mistakes, because people just plain are not paying them anymore, not by choice, becaue they can't. Banks point the finger at us left and right, but then again, are they NOT the ones who needed a 700billion dollar bailout? Hmm... seems to me someone was no more responsible than the customers they point the fingers at. To those bank avocates who act like they think they are squeaky clean just because THEY have not had problems with them, wake the 'F' up, they are corrupt, and always have been. I just recommend that NO one trust them. Seperate your spending from the bank, do not fall into their traps if you are the kind of person who lives paycheck to paycheck. The people who can least afford it are the ones who get hit the hardest. I know because I was one of them. I simply seperate my daily spending from my bank. I carry cash, or use a pre-paid card. The result, NEVER one overdraft, EVER. I bet if everyone in america used this method, banks would complain about their customers being responsible, because they are not reaping the rewards of peoples mistakes. People, just don't let the banks reap rewards for your simple mistakes, its unfair to yourselves, and you are basically giving some fat a*s overpaid exec someplace another free meal. a

This was self-inflicted mismanagement. Also, you do not work for an accounting company; nobody works for an accounting company. They are called accounting firms and if you REALLY worked for one - you would know that. The fact you claim that you work for one is also irrelevant; it not only doesn't give you credibility, if you actually worked for one - you may as well tell us which one so that we can avoid that fiem. In the meanwhile, you should use a check register and stop using a debit card; it would seem checks and cash are your current speed at this point. Until you master a check register, don't come here and claim rip off. Finally, all banks are the same so whichever bank you decide to go to will do the same thing to you. This is not a rip off....

After you watch it, 'Google' this- DR MANDELSTAMM OF KIEFF, and read the passage entitled- 'The Talmud And The Ghettoes', which can be found by clicking on: 'Page 88- Controversy of Zion'. Scroll down to Dr. Mandelstamm's quote that appears on 'Page 94' and read it FIRST, then read the entire passage very slowly, 3 or 4 times, so it sinks in. *If you prefer 'BING' over 'Google', you can BING this- DR MANDELSTAMM OF KIEFF, and click on- 'Controversy of Zion', and the same passage should appear. Isn't it interesting that people all over the WORLD are speaking-out and PROTESTING? They're PROTESTING in western China, right? They're PROTESTING in Honduras too, aren't they? The people of Iran are out on the streets PROTESTING, correct? Some people who are PROTESTING are being beaten & even KILLED, aren't they? Americans are PROTESTING everyday on the worldwide web, wouldn't you agree? People in Europe were out on the streets PROTESTING not too long ago, right? QUESTION: Could the passage entitled- 'The Talmud And The Ghettoes' have anything to do with what's going on in the world today? YOU BE THE JUDGE! Make sure to 'Google' & watch all of the following on the web too- THE OBAMA DECEPTION AMERICA: FREEDOM TO FASCISM INSIDE THE MELTDOWN FRONTLINE THE MADOFF AFFAIR 9/11 PRESS FOR TRUTH Thank you.

I am sorry if you do not know how to balance your check book, but that is no ones problem but your own. It doesnt matter if it is BoA, or Chase or wherever... If you go overdrawn, then you are using the banks money, not yours. That makes it a loan, and just like a loan there are fees you have to pay. So my advice to you is learn how to balance your checkbook and dont spend money that you dont have!

well, the way to avoid overdraft charges on a checking account is to set up an overdraft protection account. I know B of A offers credit, checking and savings accounts to serve that purpose. if you have an od protection account set up, then you dont have to worry about cutoff times, holds on checks, available v account balance, all that jazz. you will still pay a few bucks for the od transfer, but that is better than hundreds of dollars of od and nsf fees.

well, the way to avoid overdraft charges on a checking account is to set up an overdraft protection account. I know B of A offers credit, checking and savings accounts to serve that purpose. if you have an od protection account set up, then you dont have to worry about cutoff times, holds on checks, available v account balance, all that jazz. you will still pay a few bucks for the od transfer, but that is better than hundreds of dollars of od and nsf fees.

well, the way to avoid overdraft charges on a checking account is to set up an overdraft protection account. I know B of A offers credit, checking and savings accounts to serve that purpose. if you have an od protection account set up, then you dont have to worry about cutoff times, holds on checks, available v account balance, all that jazz. you will still pay a few bucks for the od transfer, but that is better than hundreds of dollars of od and nsf fees.

but I didn't get to it, I gave up about a third of the way through. Paragraphs are your friend!