I am a student who works a full time job as an IT Technician for a local business. I am not one of the snobby rich kinds who was given what ever I wanted whenever I wanted. I work hard from my early years to buy everything I own. I was in the process of switching my accounts over to BofA when I received a massive amount of fees due to an employees negligence. I never recovered the money and it is really hard for me to louse that much money. I explored all the options. I talked with: clerks, managers, customer support agents and regional managers and non of them where whiling to help me. The funny part about this whole ordeal is it wasn’t my fault!

WHAT THE H$LL BofA! WHY?! WHY do you feel the need to screw over a student who is going to community college?! Why do you have to be so selfish?! You just received BILLIONSSSSSS of dollars of tax payers money! THAT WASN’T ENOUGH? One of YOUR employees makes a mistake causing me days of grief and anxiety and somehow it is MY fault!

Ok so you might now be saying ” Jake, you where just a unlucky person Bank of America is not normally like that.” WRONGGG!!

I actually forgave Bank of America and recommended a family member to join.(So I could get $50 dollars which by the way I have not yet received!) While my family member was opening the account the clerk gave me a catalog of cool card designs that I could pick from for FREE! I thought “cool” and asked her “I will only pick out a different design if the card numbers stay the same.” She inter reassured me that they would not change. So I picked out a cool design and left happy….. But not for LONG!

I received the card which by some weird reason was already activated. When I looked it over I saw that the card security number changed and the expiration date was different also. I immediately called BofA and asked them if I could keep my old card. They told me “NOPE!” and also told me that all card transactions for the old number would be denied! WHAT?! THEY SCREWED ME AGAIN! My phone, iTunes, Amazon, and direct two drive all had denied transactions. Again, this wasn’t my FAULT! Why are your employees so !@#$%^& STUPID? The person I recommended heard me ask the lady if my card would change. However, when I went back they intern told me I “misunderstood” and I was the one at fault.

If you don’t get the moral of this story go take up cliff jumping, because ,the moral should be as clear as day. DON’T OPEN A BANK OF AMERICA ACCOUNT! EVEN If THEY GIVE YOU BOAT LOADS OF CASH. STAY AWAY FROM THEM AS IF THEY HAD SWINE FLUE!

Below is a copy of the letter I sent to Bank of America over two months ago. I have yet to receive a response.

Dear Bank of America,

Ever since I opened my accounts at bank of America I have been immensely pleased with the customer service, technological advanced ATMs, services and branch locations. Recently this beautiful cloud has turned into a thunderstorm over my head.

On August twenty eighth a coworker who was leaving my company and I went to the local diner “MORRETTES”. We had a decent meal paid and left. The total of said meal was $12.45.Now at this point if anyone is reading this you would ask why I am writing to the board of directors for something minor.

Said $12.45 charge over drafted my checking accounts even though I had over a hundred dollars in saving. When I open my account I requested my Checking and saving be linked to prevent such an event from happening. However a human error somewhere along the line prevented this from accruing.

So as we once again come back to my story, this transaction and another transaction pushed my account ten dollars in the red. I noticed this irregularity that evening. I dumped some of my savings into my checking bringing it to approximately $90. When I checked my balance the 29th I saw a very unpleasant sight, my account was again in the red and I had no money to bring it back up. Bank of America charged me two $35 fees. Combine that with a $20 purchase I made the previous day and you have a problem. So I called Bank of America to see if this could be fixed. After a long conversation with a representative I decided I would use my one time “stuff happens” and received half of the fee back and I would just “forget” about the other one.

So little did I know that some other transactions were going to come in that I had no control of. Four transactions came in from previous purchases wiping out that thirty fife dollars bringing my account balance one again into the red. I do not know why these transactions took so long to hit my account but who can know. So today 09/03/2009 bank of America charged me three $35 dollar charges. This is a total of 5 charges totaling $175. This is almost 3 days of work for me. As a student money is tight and I cannot afford to lose this much money. I will have paid 17 times the amount I over drafted.

Do you think this is fair?

[end letter]