OP - Although there isn't much I can do to advise you, there are two ways I see this

I believe what you are saying and the other not.
At this point I believe in what you are saying and would like to follow this to the end. Although I cannot contribute much, I can do my bit in a democracy when I see what finally happens with this. For one I will close my account with BOA. Try as much as I can to convince folks I know to close the account with BOA. An entire review of this episode would help promote that.

A lot of would you think going to another bank would mean the same thing, but I will take that chance & move. Democracy is all about numbers and if some of us can take it to the end, it might matter to the big corps.

In that case, good luck to him, and be ready for a big attorney bill.
Or just sue pro-se and leave all the costs on their side.

There are some people posting redundant advice because they obviously haven't read everything I've posted. I'm going to recap some important facts:

1.) I've been to the branch 3 times, including once again this morning. Each time the personal banker and manager have told me they are locked out of my accounts, there isn't anything they can do, and direct me to speak with the risk/fraud department. They also told me they can't call on my behalf. Going to the branch flat out won't work, end of story.

2.) The majority of my AOR money is from Chase and Citibank and was deposited at Bank of America. Only a little over $12,000 in AOR money, around 10% of my total, is from Bank of America. This money was directly deposited in my Bank of America account on the advice of a CSR. Less than 10% of my account balances is money from Bank of America.

3.) The risk/fraud CSRs are rude and abrasive every time I speak to them. Each CSR also gives me a different reason for the closure of my accounts and whether or not Bank of America will return my money. The only common thread between their stories is that I'm somehow committing fraud. This isn't apparent in the audio recordings because they end the conversation before any explanation of the situation. I was polite, never raised my voice, and asked for a supervisor when the CSR refused to discuss the matter. She told that she was a supervisor and hung up on me. I posted the audio online to illustrate the brick wall I'm dealing with at Bank of America. Also, don't you think it's unfair they refuse to discuss anything when I'm recording the conversation even though Bank of America is recording it? I'm in the right, both legally and ethically, to record the conversation if notification has been provided and Bank of America is recording the conversation too.

4.) I received a letter from Bank of America stating my accounts have been closed as of 11/07/07. This is a different date than what the last CSR told me. The letter also states Bank of America will return my money by cashiers check after they verify every transaction made since I opened my accounts. I need to research the appropriate federal regulations, but I believe this isn't legal.

5.) I tried speaking with the legal department earlier about the situation. They admitted the phone calls are recorded but also refused to discuss the situation if I was recording the call and hung up on me.

I'm in a two-party consent state and my phone beeps when it records. I'm working on getting recording equipment that doesn't beep. And thanks for calling me stupid at least 12 times without even getting your facts straight.

I agree with u on this point.
Recording is not the issue. Make BOA to solve ur case is the key problem here.

codename47 said:Look, I can't be nice about this any more. Stop being stupid and life gets easier.

You are absolutely, completely stupid if you tell them you are recording. Stupid, stupid, stupid. Forrest gump said stupid is as stupid does, and you are doing stupid. Stop doing that if you want people to talk to you. Besides, people say all sorts of stuff if they think they'll never hear it again. Stop being stupid and life gets easier.

What do you hope to gain from telling them? You already said you are in a 1 party state. I know BOA has the standard 2 party notification on their calls (calls may be recorded) so what other reason are you telling them this unless you like getting hung up on? Are you an idiot or what? There is no legal reason to tell them. At all. There is no practical reason to tell them you are recording. Stop being stupid and life becomes so much easier.

Second, they have like 10 days to refund you your money. I'd write up my summons and sue them on day 11. THAT is how you get people to talk to you. You won't have to wait on anyone. They WILL call you, trust me. You WILL have your own designated rep to answer questions and ask questions.

Stop being stupid and life gets easier.

answer a question with a question. "why, are you recording?" or just turn the recorder off, say no, then turn it back on.

Do you check your Fico Score to see if the event was also recorded by the credit report?

JJDD said:1. How many bank accounts did you link to your BOA checking?
2. How many bank accounts were added after your AOR?
3. Are these bank accounts under your name?
4. Can you list your bank transfers with their ammounts?
5. When you did transfers bw banks, did you start from BOA or the other banks?
6. Did you deposit any check from other people which were bounced back?
7. Was there any suspicious transaction that you didn't recognize?
1.) About 3 before the AOR.
2.) About another 3 after the AOR.
3.) Yes.
4.) Just the transfers I listed before.
5.) I always pull, so incoming transfers are initiated from Bank of America and outgoing transfers are initiated from other banks.
6.) Never.
7.) No.

The only change to my credit report is the closure of all my Bank of America credit cards.

codename47 said:You told them you were recording and had recording gear that beeps which is a telltale sign of recording. That's pretty stupid. Doesn't matter if you are in a 2 party state, they give notification before you even call up, so that is moot.

OP is azy and was likely using grandcentral to record the call. His case could have been much stronger if he just recorded the call by holding a $8 digital recorder to the phone while he was talking. He was acting all tough - shooting into the air. Now he's out of bullets.

Did you make any transfer (some large amount) between the 3 newly added accounts and BOA?

If you did, it may be one thing that all FWers should avoid to do.

theficus said:
1.) About 3 before the AOR.
2.) About another 3 after the AOR.
3.) Yes.
4.) Just the transfers I listed before.
5.) I always pull, so incoming transfers are initiated from Bank of America and outgoing transfers are initiated from other banks.
6.) Never.
7.) No.

The only change to my credit report is the closure of all my Bank of America credit cards.