This has happened to me 2 times from the time I was 16 years old to when I was 21 years old. When I was 16 I closed my bank account with them after I wanted to go to Wachovia. A few months after I closed accounts they sent me papers saying I had like $0.03 cents in my account. I went back and they said the computer must have done it. Good excuse huh? Blame it on Y2K.

Then when I was 21 years old I had an issue where someone stole $3,200 out of my checkings account and had a shopping spree at Home Depot in New Jersey. Long story short, Home Depot and Bank of America both refunded me money after 7 days. Me being a good guy, I called Bank of America and told them about the incident. 5 minutes later I check my account and the money was taken out of my account that Bank of America refunded me. This is funny, because it took them 7 days to place my stolen money back into my account since I had protection on my Visa Debit / Bank Card. I was pissed, because how does it ethically make sense that they can take money whenever they want, but when it comes to dishing it out, it took them 7 days!

The day I called them about the refund, I went down to the local office and cancelled my account. Three months later, I get a letter in the mail stating that I had over drafted my bank account and that I owed them money. Somehow their paperwork showed that I had $20 in my savings account and $0.27 cents in my checking account. The monthly fees for checking was $25 a month, so they said I owed them $35 plus $4.73. Again, their system somehow managed to reactivate my bank account without anyone knowing about it. They refuse to accept that they did anything wrong.

Let's just say that the collection agencies won't stop calling me. I told these guys I ain't paying them a fucking dime. They can take my bailed out tax dollars and shove it up their ass.

Now I'm banking with Suncoast Federal Credit Union and I haven't had a single issue.