Don't Bank on Chikezie Eze

"American Idol" reject Chikezie Eze owes Bank of America more than $17,000 ... which in Neiman Marcus terms is 28 bottles of cologne.

You'll recall Mr. Eze was charged last Friday with attempting to buy 2 bottles of really, really expensive cologne at Neiman's using fraudulent credit cards. Neiman's, which charges more than $1,200 for the two bottles of cologne has not been charged with highway robbery -- so far.

In the B of A civil lawsuit, the bank claims Eze overdrew funds from his account and owes $17,433.63.