Do Not Bank with Bank of America

My name is Carlie Rouse, I am just your average 21 year old. I live in Dodge City, Kansas. I am a full-time student and work practically full-time at Montana Mike's Steakhouse as a Certified Trainer/ Food Server. I make $3.13 an hour and tips. I was raised to be a conscientious individual, to pay my bills on time, and be financially responsible. It is rare that I have a late fee or am unable to make a payment on time.

I started having problems with Bank of America back in October of 2008 when they had taken out a $70 "Adjustment Fee" which they claimed to have made because of a deposit that had been made inaccurately. I chose to disregard this, working in the service industry, I understand that everyone makes mistakes at some point. However, disgruntled, I chose to keep my account with Bank of America. That is where I made a big mistake.

On June 8, 2009 I made an ATM deposit of $463.00 at the Bank of America located on 2307 N. Central in Dodge City, KS. When I had made this deposit the ATM had a malfunction and did not process all of my funds. The next day my statement read that I had only made a deposit of $397.07, also the bank had given me an "Adjustment Fee" of $300.00. Within the following week, I had acquired $280 worth of overdraft fees because of the deposit for which was not accounted. On June 15, 2009 I spoke with a teller at the bank in which I had made the deposit and I was told to call the bank's 1800 number to file an ATM dispute. When I called the number I was directed to the claims department and made a claim for the lost money. When I inquired why I was given a $300 adjustment fee the representative could not provide me with an answer. I was given temporary credit for the funds which was posted on my account on June 16, 2006. On this day, July 8, 2009 I received a letter in the mail from Bank of America stating that "we were successful in locating the original transaction you referenced; unfortunately, we did not locate any cash for this transaction." Bank of America is now billing me for their negligence regarding the money that I had deposited on June 8th.

Today I opened an account with a different bank and filed disputes against Bank of America to the Better Business Bureau and also the FDIC. Bank of America is corrupt corporation which takes money out of your account using their obscene $35.00 overdraft fee and makes "Adjustment Fees," for which they cannot give a clear explanation. If you are a customer of the Bank of America use my situation as an example of the bank's malpractices. Choose a bank that is reputable and one with which you can trust, not one that steals your hard-earned money to fuel corporate greed.