theficus said:
Which is exactly my point. What I did wasn't that large of an amount or unusual. At worst it warranted a call from the bank or a hold on my funds, not closure of all my accounts with Bank of America.
You do have a point but whats done is done and you need to pick your battles. Why waste any more time on this? You're not going to get anything or do any damage to them so might as well just move on

Which organization should I contact to get my 30 minutes of time back that I spent reading this thread?

For the record though, I hope OP gets this resolved. Although next time, I would spill all the goods upfront to prevent the rampant speculation and wasted bandwidth.

theficus said:....
I think I should at least be able to recover all the fees I've incurred as a result of Bank of America's actions.

I don't want to discourage you, but lately there has been a lack of justice in the legal system. The only way you can recover fees is if you can cite a specific law that BOA violated. And then, you can only collect up to the amount that law allows for.

Good Luck

Glad that this was posted to be aware that such things do happen. Of course it gives me pause as large funds have been wired into my account and out the next day (chasing those rates). Having had unbelieveable things happen with insurance co before I have learned that most of us do not want to believe the possibility of something similar happening to us could occur. So we look to blame the person who is going thru it, discredit them, etc. And sometimes it is true that we have not gotten the whole story. Yet sometimes it is true that we do have the whole story and we certainly hope it won't happen to us. Either way, it is always better to know than not - knowledge is power. So thanks to the op for telling us what has happened. It does make me a little more leary of doing an AOR (haven't yet). Hopefully he will get everything cleared up so he does not have any out of pocket expenses. My experience with big companies (whether banks, insurance co, or medical)- they never admit a mistake - it makes them too liable. So if the op can only move on, I hope as many people as possible learn what happen so they are aware of the possibility.

I read most of the thread and I haven't seen it mentioned yet -- I think it's a good idea to not deposit credit card convenience checks to a bank account at the same institution. Especially since one of the reasons given (even if completely bogus) to ficus was something about not liking their convenience checks deposited.

scripta said:I read most of the thread and I haven't seen it mentioned yet -- I think it's a good idea to not deposit credit card convenience checks to a bank account at the same institution. Especially since one of the reasons given (even if completely bogus) to ficus was something about not liking their convenience checks deposited.
The convenience checks I deposited were from Chase and Citibank. The balance transfer from my Bank of America credit card was, at the suggestion of the CSR, deposited directly to my account! He practically begged me to take the balance transfer.

theficus said:
I'm even more upset because the final lady I spoke to called me a racial slur (I won't reveal what because I don't want to reveal personal information). I have a strong feeling I'm being targeted because of my name and ethnicity. I don't think I would have had this problem if my name was "Ted Stevens" or something more vanilla sounding. What do you guys think? What is my next course of action?

EDIT: Before anyone asks, yes, I'm a US citizen (natural born) and yes, I provided Bank of America with entirely accurate personal information.

I heard a tape recorder does wonders, especially in court. Just get the rep's name, and record the time you called and hung up with them. I guess this would alos be a good time to start reading up on the latest discrimination laws in place, especially with banks that are federally insured...

telling you that they can't help you is one thing, but to include racial slurs and crap like that, that's a whole new thing...

dodgeman007 said:yup thats the problem with this country everyone wants to sue.. my coffee is cold sue, my coffee is hot sue, wait until you get the correct information so you dont look just a stupid as they do now. and yeah a law suit will be cleared up in less than a month... i guess you never have sued anyone...

it's a part of living in a country with a great deal of freedom...

I bet you would rather live in a country where they only you to have only one child? Can you sue about that? or how about a country that says you're guilty until proven innocent?

All in all, you're a person who can't appreciate the freedom you have been given that most people in this world would give years off their life just to live in.

go rot somewhere dude...

theficus said:scripta said:I read most of the thread and I haven't seen it mentioned yet -- I think it's a good idea to not deposit credit card convenience checks to a bank account at the same institution. Especially since one of the reasons given (even if completely bogus) to ficus was something about not liking their convenience checks deposited.
The convenience checks I deposited were from Chase and Citibank. The balance transfer from my Bank of America credit card was, at the suggestion of the CSR, deposited directly to my account! He practically begged me to take the balance transfer.By convenience checks I also meant balance transfers (they're usually in the same category). He may have begged you to take it out, but he didn't tell you to put it in your bofa account, did he? You could have given him a different bank's account number for the deposit.

glockophile said:Bank of America can toss my salad and go to hell.

It's such a classy statement that I had to preserve! =) Keep it up!