Bank Of America - More Than Bad Banking...Harassment And Lies!

   I was very excited to open my new checking and savings accounts through Bank of America. I had just started a job in Tacoma, wa that used B.O.A. as their bank and if I had an account there I could deposit my checks with no fees. For the first few months, I loved B.O.A. I was young and trying to start financially "building a life" for myself so I decided to open a credit card through B.O.A. BAD IDEA!!  I was hoping to build up good credit as I had no credit record at this point in my life.  The account's only fee mentioned was that of a single late fee if the payment was not made on time. This seemed reasonable. Over the next few months, I started to notice charges on my account that were incorrect. Each time I found one, I called B.O.A and, after long debate, they usually corrected these errors. After I charged a hospital bill to my card and the balance was closer to the limit, things got ugly. I always made my payments in full and on time. B.O.A, however, began adding more and more fees for various reasons that had NOT been part of the initial contract. Every time I contacted them, I was given an ear full of stories that NEVER gave any real explanation. If I continued to question them about this they would put me on hold for 20 minutes or longer and then disconnect the line. If this had happened once or twice, I would be willing to assume it was an accident but EVERY time??? Come on, now. I also began noticing false charges to my account supposedly made in places I had never even been. After doing the dance with B.O.A several more times over this, I finally became so fed up that I borrowed the money from a family member and paid off the account. I asked that ALL of my accounts be frozen as I knew no more charges or transactions were due to come through and I would most definitely NOT be banking with Bank of America again. I choze to freeze my accounts because a B.O.A. adviser said it would effect my credit negitively if I just closed the account right away. I confirmed this with other agentcies.  The employee I spoke with argued to the best of her ability but finally gave in, accepted the payment and froze my accounts...OR DID SHE?  Four months later, I recieved a statement in the mail. Everything looked as though no transactions had been made to my checking or savings accounts. Now, might I remind you these statements are ALWAYS seperate from the credit card statement. However, on this statement, in very small print at the bottom was a notice stating that a charge had been made to my credit card and that I had failed to make my payment on time. Funny...my card had been cut up, my checks burned...how is this possible?  I called B.O.A once again for our ritual song and dance of complete disrespect...they informed me that this had been a mistake and that they would "take care of it right away". WRONG! EVERY YEAR I do a credit check on my self and EVERY YEAR it shows up that B.O.A closed my account for failure to make payments on time. EVERY YEAR we argue, it gets corrected and we continue on until the next credit check. This year, 2010, I checked my credit and once again my dear friends at B.O.A have reported that my account was closed for failure to pay on time. This year's song and dance lasted for close to an hour with multiple holds and transfers to different departments ending with...care to guess?...a transfer to a closed department that disconnected the line. Thank you, Bank Of America, for the never ending nightmare of harassment and complete disrespect. See you in court.