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  • Report:  #452226

Complaint Review: Bank Of America - Smart Step Protector Insurance - Internet

Reported By:
- Desert Hot Springs, California,
Submitted:
Updated:

Bank Of America - Smart Step Protector Insurance
BankofAmerica.com Internet, U.S.A.
Phone:
866-879-0179
Web:
N/A
Tell us has your experience with this business or person been good? What's this?
After opening an account with Bank of America, I was inundated with calls to my home about various insurance products. I hung up. One night , I must have chatted and agreed to a "trial period" and thought for sure I called to cancel and when I received info in the mail about the "policy" I definately realized how ridiculous it was to have such a costly accidental death insurance which paid out for hardly anything because so many causes of death were excluded. They just highlight and emphasize the $100,000 which only they will receive if one continues to pay them $20 a MONTH.

Usually you must sign and date and agreement to make it valid but they do it opposite-you are in UNLESS you cancel.

I may have accepted the trial period but did not accept the coverage and did NOT agree to $20 being withdrawn from my account every month.

I just noticed a $20 ACH debit- which means they have my account number and routing number which I NEVER gave them but Bank of America already gave it to them with my phone number!

I called the bank and they began a claim and will send me papers to fill out but they said I must call the company to CANCEL. I called the company and despite my insisting to cancel they went on and on how great it is and turned my request into a further delay. I finally got a cancellation number and "an inquiry" is filed about my REFUND and they too will send correspondence within 7-10 days that must be submitted.

Another run around and delay. The Bof A customer service people are trained to not react or respond and to be cool and polite when someone calls with this kind of complaint and demand to stop making payments and request for refund.

Rosendc

Desert Hot Springs, California

U.S.A.


13 Updates & Rebuttals

Karl

Highlands Ranch,
Colorado,
United States
GOOFBALLS GALORE

#2Consumer Comment

Sun, February 05, 2023

Is a system that will allow anyone to find their favorite GOOFBALL SONG is a faster way. Simply type in 555030 at this site and scroll down to Consumer Comment #16 at Ripoff Report #555030 in order to see how easy the system works.

Example: GOOFBALL SONG 8 is the eighth song listed, correct? If you type in 668678 at this site you can plainly see that the song appears in Consumer Comment #83 at Ripoff Report #668678.

********Feel free to substitute the words that appear in GOOFBALL SONG 8 when the Star Spangled Banner is sung before the beginning of the Super Bowl on February 12, 2023 between the Chiefs and the Eagles.

Thank You

GO EAGLES!!


Karl

Highlands Ranch,
Colorado,
USA
GOOFBALL SONG 8....

#3Consumer Comment

Mon, September 26, 2011

will be submitted soon in the consumer comments section at this website.

***WALL STREET ALERT: Anyone can 'Google' this- 'OCCUPY WALL STREET' PROTESTS TURN VIOLENT; VIDEO SHOWS POLICE MACING WOMEN, and read the related articles and watch the videos on the web.

Thank You

WELCOME TO AMERICA- YOU HAVE THE RIGHT TO SPEAK-OUT IN THIS COUNTRY, BUT IF YOU SPEAK-OUT AGAINST THE ONES WHO REALLY CONTROL THIS COUNTRY YOU MIGHT BE ARRESTED, PHYSICALLY INJURED, & MACED


Karl

Highlands Ranch,
Colorado,
USA
*****11TH URGENT ALERT: SINCE SOME IN THE CORPORATE SYSTEM IN THE USA, ALONG WITH OTHERS IN THE LEGAL SYSTEM AND IN THE MAINSTREAM MEDIA WITHHELD INFORMATION......

#4Consumer Comment

Tue, August 09, 2011

from the American people regarding the potential stock market crash and the potential collapse of the U.S. economy back in 2005, 2006, and in 2007, we can logically conclude that all three entites (Corporate System, Legal System & Mainstream Media) will continue in their deceptive and corrupt ways, wouldn't everyone agree?

*Make sure to stay at this site and type in- NBC, and read what was posted in 'Consumer Comment #31' at Ripoff Report #608350.
 (You can also type in 608350 at this site and that will take you there.)

Thank You

WELCOME TO THE CORPORATE SYSTEM, LEGAL SYSTEM, & MAINSTREAM MEDIA IN AMERICA- WE'RE PART OF AN ORGANIZED CRIME SYNDICATE THAT CONSPIRES WITH ONE ANOTHER TO KEEP FINANCIALLY INJURING INNOCENT PEOPLE IN AMERICA AND ALL OVER THE WORLD AND THAT'S WHY THINGS ARE UNWINDING IN AMERICA, EUROPE, AND ALL OVER THE WORLD TODAY


Karl

Highlands Ranch,
Colorado,
USA
10TH URGENT ALERT:

#5Consumer Comment

Tue, August 09, 2011

There are riots taking place in London. London appears to be the headquarters for the 'Organized Crime Syndicate', which controls the governments and the economies of Europe and the USA.

Anyone can 'Google' this- WHO OWNS THE FED?, and go to the site with the 5 charts to see who sits at the top of 'Chart 1'.

Don't forget to 'Google' this- WHO OWNS THE FED BANK, WHO CONTROLS WHO VIDEO, and watch that video on the web to learn more about the 'Organized Crime Syndicate'.

Thank You

***RIOT ALERT: Don't forget to stay at this site and type in 449481 to see if the latest poem was posted in the consumer comments section at Ripoff Report #449481. (The poem was submitted in the consumer comments section on August 9, 2011.)

WELCOME TO LONDON- DON'T BE TOO CONCERNED THAT RIOTS ARE TAKING PLACE AND SEVERAL BUILDINGS HAVE BEEN BURNED BECAUSE WE'RE THE HEADQUARTERS FOR THE ORGANIZED CRIME SYNDICATE AND WE CAN DO WHATEVER WE WANT, LIKE PLACING CURFEWS ON YOUNG PEOPLE, JUST LIKE THE PHILADELPHIA MAYOR HAS DONE.

Just 'Google' this- NUTTER SETS 9PM WEEKEND CURFEW FOR MINORS IN CENTER CITY, & read the related articles on the web for proof..


Karl

Highlands Ranch,
Colorado,
USA
9TH URGENT ALERT FOR EVERYONE IN THE WORLD:

#6Consumer Comment

Mon, August 08, 2011

The price of oil was obviously being manipulated for profit by the ones who control the Wall Street banks in order to keep stock values high. Oil has dropped considerably in the past several months. It went from around $116 a barrel a few months ago to $84 a barrel currently.

Keep in mind that the USA consumes about 18.8 Million barrels of oil each day. By 'manipulating' the price of oil for profit, the ones who control Wall Street and the governments of Europe and America, were able to keep their Ponzi schemes (Wall Street & the stock markets in Europe & Asia) artificially high.

Now that the price of oil has dropped, stock markets all over the world have plunged. Manipulating the price of oil was the way in which the 'Organized Crime Syndicate' was able to keep their Ponzi schemes 'fueled', in my opinion. It was a SECRET TAX being placed on every person in the world, because things like- food, gasoline, airline tickets, and just about everything else, are affected when oil prices rise.

Don't forget to stay at this site and type in 271454 and read what was posted in 'Consumer Comment #19' at Ripoff Report #271454. That consumer comment was posted on December 25, 2010. Shortly after it was posted the price of oil shot up to around $116 a barrel.

Don't forget to 'Google' the following and watch the videos and read the related articles on the web-

1) DID SPECULATION FUEL OIL PRICE SWINGS
2) WHO OWNS THE FED BANK, WHO CONTROLS WHO VIDEO
3) THERE IS NO GAS SHORTAGE
4) GOVERNMENT UNCOVERS OIL PRICE MANIPULATION

Thank You

WELCOME TO THE USA & EUROPE- WE'RE BEING CONTROLLED BY AN ORGANIZED CRIME SYNDICATE THAT'S OUT TO FINANCIALLY INJURE AS MANY INNOCENT HUMAN BEINGS AS POSSIBLE SO THE WEALTHY PEOPLE CAN CONTINUE TO STAY IN POWER AND CONTROL THE WORLD


Karl

Highlands Ranch,
Colorado,
USA
8TH URGENT ALERT:

#7Consumer Comment

Fri, August 05, 2011

It was reported last week on at least one News station that the U.S. government owes the Federal Reserve $1.6 Trillion. There are also articles available on the web. Anyone can 'Google' the following-

RON PAUL INTRODUCED BILL TO CANCEL US $1.6 TRILLION DEBT TO FEDERAL RESERVE

The stock market lost 538 points last week. It has currently lost 789 points so far this week, as of 9:57 AM EST. If we add last week's loss to this week's current loss, we get a total of 1,327 points.

Since a loss of 538 points last week equated to a $700 Billion loss in market value, we can set up a proportion to determine the market value that has been lost since July 25th up until this very moment. Here is the proportion that we can use to determine the market value that has been lost since last Monday July 25th until 9:57 AM EST on Friday August 5, 2011-

538/$700B times 1,327/x

x = $1.726 Trillion.

***The market has lost $1.726 Trillion in value in the last nine sessions, including today's session where the Dow is down 29 points at 9:57 AM EST, correct? Since it's not against the law to 'short' the market, we could logically assume that there were some people (investors) who 'shorted' the market two weeks ago and made money from the fact that the stock market fell 1,327 points since Monday July 25, 2011.

Question: Is it possible that someone who is owed $1.6 Trillion might decide that 'shorting' the market would be one way to get that money?

You be the judge!

Thank You

"Knowledge is power."

POWER TO THE PEOPLE


Karl

Highlands Ranch,
Colorado,
USA
7TH URGENT ALERT:

#8Consumer Comment

Fri, August 05, 2011

The Dow Jones lost 512 points on Thursday August 4, 2011.

The Dow has lost a total of 760 points so far this week. It appears that a sell-off is taking place in Japan at 9:44 PM EST. It's already Friday morning in Japan and their stock market was down 3.59% a few minutes ago. Hong Kong's stock market just opened and it's down 4.71%. Just go to the CnnMoney website and click on- 'Markets' to get the information.

Thank You

***Make sure to stay at this site and type in the following and read the Ripoff Reports from people all over the USA for valuable information-

OBAMA
BUSH
CLINTON
d**k CHENEY
RUPERT MURDOCH
NBC
MERRILL LYNCH
GM CREDIT CARD SERVICES


Karl

Highlands Ranch,
Colorado,
USA
******6TH URGENT ALERT: THE UNITED STATES OF AMERICA IS A COUNTRY WHOSE FOUNDATION IS SOLIDLY BUILT ON LIES.....

#9Consumer Comment

Wed, August 03, 2011

deception, fraud, manipulation, greed, trickery, deep corruption, and the constant pursuit to financially injure the innocent people living here and all over the world.

SUGGESTION: Sell all of your stocks now, and cash-in all Retirement accounts immediately! Approximately 90% of all Retirement accounts are invested in the stock market. The stock market is showing signs of weakness and volatility. The Dow Jones has lost 884 points since the morning of July 27, 2011. (It is currently down 71 points at 11:52 AM EST on August 3, 2011.)

Make sure to stay at this website and type in 269041 and read what is posted in 'Consumer Comment #3' at Ripoff Report #269041. That consumer comment was posted 13 months BEFORE the collapse of the banking system and the stock market crash, which occurred in September of 2008.

You can also type in 266476 at this site and read what is posted in 'Consumer Comment #6' at Ripoff Report #266476. That consumer comment was also posted 13 months BEFORE the stock market crash, which occurred on September 29, 2008.

Then type in 271454 at this site and read what is posted in 'Consumer Comment #1' at Ripoff Report #271454. That consumer comment was posted one year BEFORE the collapse of the banking system and the stock market crash.

Thank You

"Knowledge is power."

POWER TO THE PEOPLE


Karl

Highlands Ranch,
Colorado,
USA
*****5TH URGENT ALERT:

#10Consumer Comment

Tue, August 02, 2011

The market has lost a little over $1 Trillion in value in the last seven business days.

Last week the Dow Jones lost a total of 538 points, which equated to a loss of $700 Billion in market value, according to an article on the web. Simply 'Google' this- STOCKS LOSE $700B IN MARKET VALUE THIS WEEK, and read the related articles on the web for proof.

So, if we use the Dow's loss of 538 points from last week to determine the $700 Billion in lost market value, then we could add the 275 point loss from this week (Monday & Tuesday) and we get a total of 813 points lost in the last seven sessions, right? That would equate to over $1 Trillion in market value lost in the last seven business days, correct?

Here is one way to figure it out: We could set up a proportion and cross multiply, then divide to determine the value of 'x'.

538/$700B times 813/x

x= $1.057 Trillion in market value lost in the last seven sessions.

That's $1,057,000,000,000.00

One trillion dollars is one million piles of cash that each contain one million dollars!!!

THAT'S A LOTTA DOUGH


Karl

Highlands Ranch,
Colorado,
USA
****4TH URGENT ALERT:

#11Consumer Comment

Mon, August 01, 2011

It appears that the letter that was written and sent to the White House by the ones who control the U.S. government, Wall Street, the Mainstream Media, and the minds of almost every person in the USA and in Europe, may have worked.

Please 'Google' this- BANK CEOS: RAISE DEBT CEILING THIS WEEK- OR ELSE, and read the related articles on the web.

The debt ceiling in the USA may be raised very soon, as long as the majority of the puppets in Washington D.C. vote 'yes'.

Thank You

WELCOME TO AMERICA- ONE BIG LIE

***LIE ALERT: Make sure to 'Google' all of the following videos and watch them on the web for proof that the USA is a country whose foundation is solidly built on lies-

1) AMERICA: FREEDOM TO FASCISM
2) FRONTLINE: INSIDE THE MELTDOWN
3) FRONTLINE: THE WARNING
4) WHO OWNS THE FED BANK, WHO CONTROLS WHO VIDEO
5) THE OBAMA DECEPTION
6) YOUTUBE FALL OF THE REPUBLIC
7) THE NEXT HOUSING SHOCK
8) DID SPECULATION FUEL OIL PRICE SWINGS
9) COUNTRYWIDE WHISTLEBLOWER REPORTS LIAR LOANS
10) CAR SALES: TRICKS OF THE TRADE- CONSUMER ALERT
11) ELIZABETH WARREN ON THE ECONOMY NOW ON PBS
12) BIG BANKS RESUME FORECLOSURE PAPERWORK
13) ELIZABETH WARREN GRILLS GEITHNER, CRITICIZES TREASURY'S FORECLOSURE PLAN
14) INDYMAC BOYS GET SWEETHEART DEAL
15) WHO CONTROLS THE UNITED STATES ECONOMY BY MAJORITY 2010

*There's a lot more, but the above videos should be enough to prove to anyone with a functioning brain that the USA is a country whose foundation is solidly built on lies.

Have a nice week.


Karl

Highlands Ranch,
Colorado,
USA
***3RD URGENT ALERT:

#12Consumer Comment

Fri, July 29, 2011

The Dow Jones has lost over 500 points this week. Here are the losses for each day:

Monday: -88.40

Tuesday: -91.50

Wednesday: -199

Thursday: -62.40

Friday: -96.50 (At 4:05 PM EST)

Total for the week: -537.80

Thank You

***STOCK MARKET ALERT: To learn more about stocks and the stock market, simply stay at this site and type in 269041 and go to 'Consumer Comment #3' at Ripoff Report #269041 and read what was posted on August 21, 2007.

That consumer comment, entitled "Blame it on a Lawyer", was posted thirteen months BEFORE the collapse of the banking system and the stock market crash, which took place in September of 2008. The Dow Jones lost a record 777 points on September 29, 2008.

"Knowledge is power."

POWER TO THE PEOPLE


Karl

Highlands Ranch,
Colorado,
USA
**2ND URGENT ALERT:

#13Consumer Comment

Wed, July 27, 2011

The Dow Jones lost 198 points today, July 27, 2011.

The Dow Jones has lost 377 points so far this week. Don't forget to stay at this site and type in 271454 and read what is posted in 'Consumer Comment #1' at Ripoff Report #271454. 

FACT: That consumer comment was posted one year BEFORE the collapse of the banking system and the stock market crash, which occurred in September of 2008. On September 29, 2008, the Dow Jones lost a record 777 points in one full day of trading.

Thank You

***MORTGAGE ALERT: Make sure to stay at this site and type in all of the following and read the Ripoff Reports for valuable information if you have a mortgage in the USA-

MERRILL LYNCH
GMAC
INDYMAC
HAMP
OBAMA
ONE WEST
PHH MORTGAGE
WELLS FARGO
CHASE
MORGAN STANLEY
COUNTRYWIDE


Karl

Highlands Ranch,
Colorado,
U.S.A.
Urgent Alert: MANY AMERICANS DO NOT KNOW THAT 'ACCIDENTAL LIFE INSURANCE'......

#14Consumer Comment

Fri, May 15, 2009

DOESN'T COVER, & INCLUDE DYING FROM- cancer, lung disease, heart attack, liver disease, diabetes, stroke..... and all the other diseases which are NOT 'accidents'. It's just another example of how a large part of the U.S. economy is based on LIES, DECEPTION, TRICKERY, & MANIPULATION. The United States of America is a country whose economy is based mainly on FRAUD, DECEPTION, MANIPULATION, LIES, GREED, CORRUPTION, TRICKERY, & the CONSTANT PURSUIT TO FINANCIALLY INJURE THE INNOCENT. Here are some examples: 1) Buying a HOUSE in the USA- It was based on LIES & TRICKERY in the past several years, correct? All those ARM's & 'Interest Only Mortgages' have done damage to the U.S. economy, & the WORLD ECONOMY. It can't be denied! 2) Buying an AUTOMOBILE in the USA- It's based almost entirely on TRICKERY & DECEPTION when most people go into a dealership, right? 3) Investing- Simply take a look at what's happened to American's RETIREMENTS in the last 2 years. These RETIREMENTS have declined due to our economy which is based almost entirely on LIES! 4) Health Coverage, or Health Insurance- Many Americans are spending well over $500 a month to provide health coverage for their family, right? QUESTION: If you & your family were 'healthy', would you really need health coverage? Our government WANTS its people SICK so they'll continue to BUY DRUGS from Pharmaceutical Companies who make PROFITS, & pay TAX REVENUE to our government, correct? If ALL Americans were HEALTHY, we WOULDN'T need health coverage, but the government NEEDS that REVENUE!!! And the executives at those Pharmaceutical Companies like their 7, & 8 digit incomes, don't they? 5) Military spending- How many nuclear weapons, tanks, fighter jets, aircraft carriers, submarines, smart bombs.......... etc., do we really need? Is WAR something that's good, or bad? What GOOD has going to WAR done for the U.S. in the past 20 years? It's simply put our country DEEPER INTO DEBT, hasn't it? By the way, there were NO 'Weapons of Mass Destruction' found in Iraq, right? What a complete LIE that WAR turned out to be, huh? The majority of the U.S economy is basically one BIG LIE, & that's WHY we're COLLAPSING! It's ALL BEING EXPOSED!!! WELCOME TO AMERICA- IN FRAUD WE TRUST!

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