Neither of those CSRs in the sound bites were what I would consider rude. The both actually seemed to be ready to help you until the issue of recording came up, and they probably have strict instructions (as in they will loose their jobs) not to continue any conversations that are being recorded.

Forget the "I have a whole list of questions" BS, recording the call, and such. You sound confrontational from the begining - esp considering you are dealing with the fraud department, where all they do is deal with people suspected of trying to commit fraud - and get defensive when confronted about the recording. I'll bet that as a whole, when an account is frozen for fraud the phone calls from the truly guilty people sound alot like those you posted.

Call back, give them your account info, simply say "I was told my accounts were being closed, I have no idea what is going on, no one will tell me why, can you PLEASE help me figure out whats going on?" Let THEM lead YOU through the phone call, dont argue with them (the CSR didnt make the decision), dont interrupt, dont demand anything, if something doesnt sound right ask for clarification (as opposed to denying or arguing about it), and ask simple questions like "Can I speak to the person/department that made this decision so we can get this cleared up?" - questions that do not seem like you are forcing the issue and put the CSR on the spot. Make it clear that whatever your account was flagged for was incorrect, and you are willing to jump through whatever hoops they'd like you to to prove it is just a mistake - but you need them to show you where the hoops are.

Thanks for posting your experience. I'm going to stay away from BofA in the future.

curiosity is killing me...

Sorry to hear what is happening for you OP. You should definately contact a lawyer because calling their Customer Service is not working. Bofa needs to train their staffs better. Here is another recorded incident with Bank of America:

link

I'm glad I don't bank with them.

BoA SUCKS! They're like the WalMart of banks. Take a look at Zions Bank http://www.zionsbank.com/

You actually get a DECENT interest rate 5.30 something. The other biggie that BoA lacks becides the crap rate interest is the interest is compunded daily. If you have any doubt of how much money you earn, do a google seach on the miracle that is compound interest. You'll see just how deep the rabbit hole goes.

Successchamp said:Your only option is to seek a competent highly experienced attorney who cares deeply about justice to take Bank of America to court on your behalf. In addition to all damages your have suffered, complete return of your money, an competent attorney can also get punitive damages for you which can amount to millions and millions of dollar. The punitive damage was set up to prevent company from mistreating/abusing consumers and serve as a deterrent from businesses acting recklessly and/or detriment to society.
.

Search FW for the story of a guy depositing a fake cashier's check (supposely he's the victim of a scam), and BofA called the cop promptly and had him arrested. This guy was out of over $10K for attorney fees. Anything bad happened to BofA? Nope, not a thing because they did "according to the law".

Read that story, and think again whether you want OP to take this issue to court.

johnqh said:And at this moment, OP needs to own up to the fact that he doing the AOR/BT - taking "unfair" advantage of the banks, but nothing illegal and certainly not terrorist.
Totally agreed! OP should also 'study' this thread: My bank to bank transfer was suspended by CashEdge. There is nothing 'illegal' or 'against the law' to link 30 banks to your account, but sooner or later, they will do a suspension and label you as HIGH RISK!

SUCKISSTAPLES said:Glitch99 said:Neither of those CSRs in the sound bites were what I would consider rude. The both actually seemed to be ready to help you until the issue of recording came up, and they probably have strict instructions (as in they will loose their jobs) not to continue any conversations that are being recorded.

Forget the "I have a whole list of questions" BS, recording the call, and such. You sound confrontational from the begining - .bingo. Totally wrong way to go about it.


But then, so is this whole thread.

Whatever chance OP had at saving the relationship, or even getting more info, disappeared long long ago.honestly even if everything he says is a lie... the fact that he has posted audio clips for our entertainment sets him apart from 99.99% of all the complaining threads in this forum. This is a step towards the new NET 2.0 FWF... an epic journey first started in the "MY HOUSE IS FULL OF CAT SHIAT" thread and the comedy that resulted therefrom.

If you record a phone conversation without you telling them so, later on if you want to use it in court, it will not be admissible in court.
Now another vein of stupidity regarding recordings...

Admissibility in court is not related to the legality of recording a call, necessarily. ALL recordings are admissible in Federal court, period.

State to state it varies, but generally in a 1 party state you are good. Do some research next time.

glockophile said:johnqh said:I haven't heard the audio. However, I also thought OP's approach is not going to solve the problem at all.

I would have gotten to a local branch, and have the branch manager call their corporation legal department. They are more likely to reconsider this when they hear from their own people that "this is a decent guy, just trying to make a quick buck on the BT, not doing anything illegal". In a couple of cases, I had to talk to their branch manager because their telephone customer service is just not doing the job, and I have got good results.

Many many pages ago, it was already clear that the issue is out of customer service's hand, and OP needs to deal with the legal. And at this moment, OP needs to own up to the fact that he doing the AOR/BT - taking "unfair" advantage of the banks, but nothing illegal and certainly not terrorist.

If OP goes to court, the best he can do is to get his 110K money back, and then the lawyer will take 50K. OP should resolve this with BofA directly if possible.

I actually tried the local branch route as well. The branch manager said there was nothing she could do, and referred me back to the Risk Identification department. What incentive would they have to refer me to or call their legal department? None. As far as the manager is concerned, I've been identified as a fraud risk, which is something they have a whole department dedicated toward handling. Legal only comes into play once I've filed a lawsuit, and we're not there yet.

[Edit] Are you the OP? different name.

1. In one your earlier posts, OP said the CS told him to talk to legal.
2. Whatever department you need to deal with, ask the branch manager to call while you are there. Ask him, beg him, plead with him, whatever.

As others have said, at this moment, OP probably had upset enough people at BofA, and had enough notes on their computer system, that there is no way he can solve this without going to court. In that case, good luck to him, and be ready for a big attorney bill.