I had problems with my account awile back which I complained to " higher ups ''. Not exactly sure who they were. Seems as though nothing happened. The Bank allowed a third party, whom I do not know, and I believe I had password protection, did not help, to say bills I paid were not legitimate ( not quite sure what they said, just my guess ) because all of a sudden I had this balance in my account. The folks doing this were alleged " loan officers '' from whatever name they used. I was not happy. Called the bank first to have these transactions reversed immediately. I like to try and pay my bills. I argued at length with the phone reps telling them I was not the one who called in making these claims. I was sure they kept records of there calls, asked them to research. Finally I went to the branch I usually use. Spoke To XXXX, president, he too shook his head no when I began to explain that a third party did what they did. Got more frustrated. Mentioned I 'd already called the bank and so forth. Then he begins to lecture me on things he 'd previously told me. I had not made the same mistake. And why was my account even open to them when I had password protection? For some unknown reason they stopped asking what my password was. I had noted that when I called because the person answering the call did not ask me, nor the next person. 
So at some point, and days later, I submitted an email to XXXX hoping he 'd READ it and understand. He has a one track mind, he simply said I am messing up. No I was not. So I sent back an email saying I 'd chalk it up as him being a man. Later I received an email from the woman who opened my account not to send 'harassing ' emails to XXXX , and not to send them to her either, or they would report me to their whomever and discontinue my account. Followed by how nice they been with me. Well, hell, it was their error I had better receive those fee credits!! they were so nice to give me. Later XXXX writes or calls telling me because my payment did not go through I must pay cash or money orders. Again went back to the bank, asking them to send a letter to optimum this was NOT my fault so my being able to pay by debit card would be reinstated. I tried on about XXXX separate occasions. Said they did finally. Unfortunately that was not the truth. I have stayed with the bank, but I never walk in there again. I have no desire to see these people. Not for any other reason than I am angry and hurt. They were way off base. 
I have kept the emails, which I offered to submit to the bank. They refused them. 
I HATE BOA as a result. 
