# In which BofA steals $100 from me (aka: rant about your banks with me!) **URL:** \ **Category:** The BBQ Pit\ **Created:** [March 15, 2013, 5:41pm UTC](https://boards.straightdope.com/t/in-which-bofa-steals-100-from-me-aka-rant-about-your-banks-with-me/653023 "2013-03-15T17:41:38Z")\ **Posts on this page:** 20\ **Page:** 2
**Author:** ![bouv](https://avatars.discourse-cdn.com/v4/letter/b/bc8723/32.png) [@bouv](https://boards.straightdope.com/u/bouv)\ **Post date:** [March 15, 2013, 6:30pm UTC](https://boards.straightdope.com/t/in-which-bofa-steals-100-from-me-aka-rant-about-your-banks-with-me/653023/21 "2013-03-15T18:30:59Z")
Whenever BoA gets you down, watch this video and be happy. > **[The Daily Show with Trevor Noah | Comedy Central](https://www.cc.com/shows/the-daily-show-with-trevor-noah)** > > The Daily Show is an Emmy- and Peabody Award-winning program that looks at the day’s top headlines through a sharp, reality-based lens. ---
**Author:** ![TriPolar](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/tripolar/32/3008_2.png) [@TriPolar](https://boards.straightdope.com/u/TriPolar)\ **Post date:** [March 15, 2013, 6:31pm UTC](https://boards.straightdope.com/t/in-which-bofa-steals-100-from-me-aka-rant-about-your-banks-with-me/653023/22 "2013-03-15T18:31:47Z")
I’d try your branch manager (again if you already did). And then I’d notify the state if it wasn’t resolved. They did something like this to me a few years ago and the manager got it fixed. But it wasn’t from the Mobile service. I wouldn’t trust that thing anyway. ---
**Author:** ![Lynn\_Bodoni](https://avatars.discourse-cdn.com/v4/letter/l/e47c2d/32.png) [@Lynn\_Bodoni](https://boards.straightdope.com/u/Lynn_Bodoni)\ **Post date:** [March 15, 2013, 6:35pm UTC](https://boards.straightdope.com/t/in-which-bofa-steals-100-from-me-aka-rant-about-your-banks-with-me/653023/23 "2013-03-15T18:35:34Z")
> [@Donna\_Lange](#): > > Not honey badgers? Huh, and here I thought that was the IT angry animal lately on the Internet o.o Maybe on the REST of the internet, but here at the [Straight Dope Message Board](http://boards.straightdope.com/sdmb/showthread.php?t=684732), wolverines are our angry animals of choice. There is some dispute over the appropriate number of wolverines, but we do like the wolverines. DO try to keep up. 🙂 ---
**Author:** ![Donna\_Lange](https://avatars.discourse-cdn.com/v4/letter/d/f9ae1b/32.png) [@Donna\_Lange](https://boards.straightdope.com/u/Donna_Lange)\ **Post date:** [March 15, 2013, 6:44pm UTC](https://boards.straightdope.com/t/in-which-bofa-steals-100-from-me-aka-rant-about-your-banks-with-me/653023/24 "2013-03-15T18:44:45Z")
> [@Lynn\_Bodoni](#): > > Maybe on the REST of the internet, but here at the [Straight Dope Message Board](http://boards.straightdope.com/sdmb/showthread.php?t=684732), wolverines are our angry animals of choice. There is some dispute over the appropriate number of wolverines, but we do like the wolverines. DO try to keep up. 🙂 Yes ma’am! Off the cuff question though. Which do you think is cuter? ---
**Author:** ![tdn](https://avatars.discourse-cdn.com/v4/letter/t/94ad74/32.png) [@tdn](https://boards.straightdope.com/u/tdn)\ **Post date:** [March 15, 2013, 6:48pm UTC](https://boards.straightdope.com/t/in-which-bofa-steals-100-from-me-aka-rant-about-your-banks-with-me/653023/25 "2013-03-15T18:48:11Z")
This used to make me so mad at a bank where I had an account some 8353905 years ago. I’d leave town for the summer, leaving maybe $3-4 in there. I’d return in the fall to find the balance in the negative and the account closed. That would be due to a fee that is used “to keep the account open.” Maybe I should have posted that in the irony thread. **Diosa** , question about that method of depositing checks: What happens to the physical check? Do you rip it up? Write VOID on it? Keep depositing it at other banks around town and become rich? ---
**Author:** ![zweisamkeit](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/zweisamkeit/32/4360_2.png) [@zweisamkeit](https://boards.straightdope.com/u/zweisamkeit)\ **Post date:** [March 15, 2013, 6:54pm UTC](https://boards.straightdope.com/t/in-which-bofa-steals-100-from-me-aka-rant-about-your-banks-with-me/653023/26 "2013-03-15T18:54:35Z")
Even with shitty handwriting, they’re in the wrong. Personally I see maybe “nie” instead of “nine”. 🙂 But the key here is to look at that “nie” and TRY to read it as “eight”. You can’t. It looks like “nine” in shitty writing or “ni~e”. I can see an argument that it doesn’t look like a correct “nine”, _but it doesn’t look like any other number, including eight_. Maaaaybe you could stretch it to look like “one”, but then the numerical value wouldn’t match that. **Diosa** , try calling 704-386-5687. This is BofA’s executive customer relations number. When you connect, it tells you that you’ve reached the offices of their chairman and CEO. Executive Customer Service/Relations are your best bet to get something taken care of when normal CS doesn’t help. Be calm and polite, explain the cock-up and see what they do. No guarantees, of course, but good luck! ---
**Author:** ![Lynn\_Bodoni](https://avatars.discourse-cdn.com/v4/letter/l/e47c2d/32.png) [@Lynn\_Bodoni](https://boards.straightdope.com/u/Lynn_Bodoni)\ **Post date:** [March 15, 2013, 6:57pm UTC](https://boards.straightdope.com/t/in-which-bofa-steals-100-from-me-aka-rant-about-your-banks-with-me/653023/27 "2013-03-15T18:57:39Z")
> [@Donna\_Lange](#): > > Yes ma’am! Off the cuff question though. Which do you think is cuter? Wolverines. DEFINITELY [wolverines](http://www.google.com/search?hl=en&newwindow=1&safe=off&client=firefox-a&hs=rWG&rls=org.mozilla:en-US:official&tbm=isch&q=wolverine+hugh+jackman&revid=1585761561&sa=X&ei=tm5DUZfEB8er2QWGsYGgDg&ved=0CFsQgxY&biw=1920&bih=887). 😃 ---
**Author:** ![Lynn\_Bodoni](https://avatars.discourse-cdn.com/v4/letter/l/e47c2d/32.png) [@Lynn\_Bodoni](https://boards.straightdope.com/u/Lynn_Bodoni)\ **Post date:** [March 15, 2013, 7:01pm UTC](https://boards.straightdope.com/t/in-which-bofa-steals-100-from-me-aka-rant-about-your-banks-with-me/653023/28 "2013-03-15T19:01:14Z")
> [@zweisamkeit](#): > > Even with shitty handwriting, they’re in the wrong. Personally I see maybe “nie” instead of “nine”. 🙂 But the key here is to look at that “nie” and TRY to read it as “eight”. You can’t. It looks like “nine” in shitty writing or “ni~e”. I can see an argument that it doesn’t look like a correct “nine”, _but it doesn’t look like any other number, including eight_. Maaaaybe you could stretch it to look like “one”, but then the numerical value wouldn’t match that. > > **Diosa** , try calling 704-386-5687. This is BofA’s executive customer relations number. When you connect, it tells you that you’ve reached the offices of their chairman and CEO. Executive Customer Service/Relations are your best bet to get something taken care of when normal CS doesn’t help. Be calm and polite, explain the cock-up and see what they do. No guarantees, of course, but good luck! Getting back on topic, yeah, looking at the photo of the check, there’s no way that the written number can be interpreted as “eight”. I don’t know WTF happened, but SOMEONE at BofA screwed up, and now they’re trying to bulldoze you into rolling over for them. ---
**Author:** ![Donna\_Lange](https://avatars.discourse-cdn.com/v4/letter/d/f9ae1b/32.png) [@Donna\_Lange](https://boards.straightdope.com/u/Donna_Lange)\ **Post date:** [March 15, 2013, 7:01pm UTC](https://boards.straightdope.com/t/in-which-bofa-steals-100-from-me-aka-rant-about-your-banks-with-me/653023/29 "2013-03-15T19:01:16Z")
> [@Lynn\_Bodoni](#): > > Wolverines. DEFINITELY [wolverines](http://www.google.com/search?hl=en&newwindow=1&safe=off&client=firefox-a&hs=rWG&rls=org.mozilla:en-US:official&tbm=isch&q=wolverine+hugh+jackman&revid=1585761561&sa=X&ei=tm5DUZfEB8er2QWGsYGgDg&ved=0CFsQgxY&biw=1920&bih=887). 😃 _swoon_ 🙂 Didn’t expect THAT! ---
**Author:** ![Joey\_P](https://avatars.discourse-cdn.com/v4/letter/j/919ad9/32.png) [@Joey\_P](https://boards.straightdope.com/u/Joey_P)\ **Post date:** [March 15, 2013, 7:04pm UTC](https://boards.straightdope.com/t/in-which-bofa-steals-100-from-me-aka-rant-about-your-banks-with-me/653023/30 "2013-03-15T19:04:39Z")
Not BofA A few months ago I was doing the reconciliation for our business account when I notice an entry that says “Misc Debit $50.00”. It doesn’t match anything in my books, so I call the bank about it. Long story short, after closing time, when they count all the money, they came up $50 short, so they took it out of my account. I sarcastically said (in a very stern way) “Can you put a note in my file not to randomly take money out of it”. A month or two later I’m looking at my bank charges (businesses get charged every month for all their activity) and I see a $1.00 charge that doesn’t make any sense. Turns out they started charging a dollar every time the customer makes a mistake. That is, if my deposit slip say $2000 and they have $2020, I get dinged a dollar". He laughed when I said “Can I have a dollar refund everytime the teller makes a mistake?” He stopped laughing when I told him about the $50 incident…and the time they cashed one of my paychecks but shorted it…and the time they cashed one of my paychecks but gave me an extra $15.00…and just a few times over the years where they said the deposit was wrong and I said “nah, count it again” and it was right…they were wrong and the time they didn’t give me all of my change order and I had to drive back to the bank to get the rest…do I get a dollar for each of those mistakes if they’re going to charge me a dollar for writing the wrong amount on the deposit slip? FFS, they’re using a bill counter and double checking my number. Then, last month, I’m doing my bank rec and notice this Check 23445 $600 Check 23445 $90 Well, that’s odd. I go online, and search for Check 23445 and it pulls up those two checks. Then I click on the $600 check and get an image of a check I wrote for $600.00. Okay. Then I click on the $90 check and see the $600 check again. So I call them and a day later they credit the $90 and apologize. I tell them how tired I am of all the mistakes and she says “Well, we’re only human” and, in my frustration, I say “Well, your humans make a lot of mistakes” The problem with the check was blamed on a ‘third party service’. Fine, whatever. But all the problems listed before that. It’s because, at far as I can tell, they train people at the branch that I go to. New tellers are there for about a year and then I never see them again. I think having so many new tellers in one small location (lobby/drive through services only, no real supervisor to speak of) creates the potential for a lot of mistakes and when you get customers like me who are making deposits 6 days a week, I get a lot of mistakes. What I _should_ do is document all these things and once a year or so write it all up, send it to my banker and ask for something in return. Like a nice chunk off my monthly fee. ---
**Author:** ![Smeghead](https://avatars.discourse-cdn.com/v4/letter/s/f1d935/32.png) [@Smeghead](https://boards.straightdope.com/u/Smeghead)\ **Post date:** [March 15, 2013, 7:47pm UTC](https://boards.straightdope.com/t/in-which-bofa-steals-100-from-me-aka-rant-about-your-banks-with-me/653023/31 "2013-03-15T19:47:30Z")
If there’s one thing I’ve learned from my years on the Straight Dope, it’s to stay the hell away from all of the big national banks. ---
**Author:** ![DiosaBellissima](https://avatars.discourse-cdn.com/v4/letter/d/a8b319/32.png) [@DiosaBellissima](https://boards.straightdope.com/u/DiosaBellissima)\ **Post date:** [March 15, 2013, 8:18pm UTC](https://boards.straightdope.com/t/in-which-bofa-steals-100-from-me-aka-rant-about-your-banks-with-me/653023/32 "2013-03-15T20:18:14Z")
> [@tdn](#): > > **Diosa** , question about that method of depositing checks: What happens to the physical check? Do you rip it up? Write VOID on it? Keep depositing it at other banks around town and become rich? It’s sitting right here in a file in my desk, just in case stuff like this happens. Like all my banking records, I file 'em away monthly, then annually, then after the magic number of years burn 'em in the woods or something. 🙂 I actually told the phone rep that I was literally looking at the actual check and would happily bring it into a branch, but she said the branch couldn’t do anything. > [@zweisamkeit](#): > > **Diosa** , try calling 704-386-5687. This is BofA’s executive customer relations number. When you connect, it tells you that you’ve reached the offices of their chairman and CEO. Executive Customer Service/Relations are your best bet to get something taken care of when normal CS doesn’t help. Be calm and polite, explain the cock-up and see what they do. No guarantees, of course, but good luck! Thank you, friend! If they don’t get this handled by Tuesday. . . and I’m sure they won’t, I’ll give that number a try. > [@Smeghead](#): > > If there’s one thing I’ve learned from my years on the Straight Dope, it’s to stay the hell away from all of the big national banks. While I agree in theory, this is rather difficult when you’ve got a businesses in two states and split your time pretty evenly between those two states. I like being able to access my money (I mean, in theory) wherever I may be. ---
**Author:** ![Smeghead](https://avatars.discourse-cdn.com/v4/letter/s/f1d935/32.png) [@Smeghead](https://boards.straightdope.com/u/Smeghead)\ **Post date:** [March 15, 2013, 8:35pm UTC](https://boards.straightdope.com/t/in-which-bofa-steals-100-from-me-aka-rant-about-your-banks-with-me/653023/33 "2013-03-15T20:35:04Z")
Yes, well, luckily for me, my financial resources are practically nonexistent! HA! Actually, if I had a net worth of zero, I’d be around half a million dollars better off than I am now. I’m going to go cry quietly to myself for a bit now. ---
**Author:** ![Anaamika](https://avatars.discourse-cdn.com/v4/letter/a/5f9b8f/32.png) [@Anaamika](https://boards.straightdope.com/u/Anaamika)\ **Post date:** [March 15, 2013, 8:35pm UTC](https://boards.straightdope.com/t/in-which-bofa-steals-100-from-me-aka-rant-about-your-banks-with-me/653023/34 "2013-03-15T20:35:56Z")
I keep checking back to see if they gave you your $100 back yet. ---
**Author:** ![Dewey\_Finn](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/dewey_finn/32/4222_2.png) [@Dewey\_Finn](https://boards.straightdope.com/u/Dewey_Finn)\ **Post date:** [March 15, 2013, 8:37pm UTC](https://boards.straightdope.com/t/in-which-bofa-steals-100-from-me-aka-rant-about-your-banks-with-me/653023/35 "2013-03-15T20:37:52Z")
> [@DiosaBellissima](#): > > I was told that because this was a mobile deposit, they actually can’t do anything-- I have to go through their claims department’s mobile something or another. Still, I would be very tempted to camp out in the office of the branch manager and wait for him to make the calls to correct the issue. Perhaps figure out what time he takes lunch and go there right before then. Perhaps hunger will drive him to resolve the issue for you. At the very least, ask him to explain the discrepancy. ---
**Author:** ![DiosaBellissima](https://avatars.discourse-cdn.com/v4/letter/d/a8b319/32.png) [@DiosaBellissima](https://boards.straightdope.com/u/DiosaBellissima)\ **Post date:** [March 15, 2013, 8:43pm UTC](https://boards.straightdope.com/t/in-which-bofa-steals-100-from-me-aka-rant-about-your-banks-with-me/653023/36 "2013-03-15T20:43:00Z")
Yeah, I don’t really have that kind of time on my hands. I wish I did, because there’s nothing that I love more than a little righteous indignation, but alas! Phone calls and hate mail are my best recourse. ---
**Author:** ![Labrador\_Deceiver](https://avatars.discourse-cdn.com/v4/letter/l/7c8e57/32.png) [@Labrador\_Deceiver](https://boards.straightdope.com/u/Labrador_Deceiver)\ **Post date:** [March 15, 2013, 9:36pm UTC](https://boards.straightdope.com/t/in-which-bofa-steals-100-from-me-aka-rant-about-your-banks-with-me/653023/37 "2013-03-15T21:36:43Z")
> [@DiosaBellissima](#): > > It’s sitting right here in a file in my desk, just in case stuff like this happens. Like all my banking records, I file 'em away monthly, then annually, then after the magic number of years burn 'em in the woods or something. 🙂 I actually told the phone rep that I was literally looking at the actual check and would happily bring it into a branch, but she said the branch couldn’t do anything. > > Thank you, friend! If they don’t get this handled by Tuesday. . . and I’m sure they won’t, I’ll give that number a try. > > While I agree in theory, this is rather difficult when you’ve got a businesses in two states and split your time pretty evenly between those two states. I like being able to access my money (I mean, in theory) wherever I may be. Find a decent credit union. They’ll give you your money in any state. ---
**Author:** ![Grrr](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/grrr/32/146_2.png) [@Grrr](https://boards.straightdope.com/u/Grrr)\ **Post date:** [March 15, 2013, 9:40pm UTC](https://boards.straightdope.com/t/in-which-bofa-steals-100-from-me-aka-rant-about-your-banks-with-me/653023/38 "2013-03-15T21:40:47Z")
Seriously guys, it’s asad state of affairs when I have to be the first grammar nazi in this thread: It’s _One thousand nine hundred eighty dollars_ Not _One thousand nine hundred AND eighty dollars_ It’s a well known fact that banks charge $100 for incorrect grammar. Jeez! 🙂 ---
**Author:** ![Miller](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/miller/32/481_2.png) [@Miller](https://boards.straightdope.com/u/Miller)\ **Post date:** [March 15, 2013, 9:43pm UTC](https://boards.straightdope.com/t/in-which-bofa-steals-100-from-me-aka-rant-about-your-banks-with-me/653023/39 "2013-03-15T21:43:19Z")
Is that grammatically incorrect? First I’ve ever heard of it. ---
**Author:** ![Grrr](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/grrr/32/146_2.png) [@Grrr](https://boards.straightdope.com/u/Grrr)\ **Post date:** [March 15, 2013, 10:12pm UTC](https://boards.straightdope.com/t/in-which-bofa-steals-100-from-me-aka-rant-about-your-banks-with-me/653023/40 "2013-03-15T22:12:21Z")
> [@Miller](#): > > Is that grammatically incorrect? First I’ve ever heard of it. Well, if I remember my elementary math teacher correctly, the “and” is supposed to be reserved for the decimal point. [Previous page](https://boards.straightdope.com/t/in-which-bofa-steals-100-from-me-aka-rant-about-your-banks-with-me/653023.md?page=1) [Next page](https://boards.straightdope.com/t/in-which-bofa-steals-100-from-me-aka-rant-about-your-banks-with-me/653023.md?page=3)