I have been banking with Bank of America since 2000 at the same branch in Fresno, CA. I kept my account even though I re-located to Indiana for 15 months.
I have been pleased with their service until a year ago. When my account was short they had a policy (at least with me) that the account would not be charged any NSF or other fees as long as my account was paid up by the following Friday at 2pm.
A year ago thier policy changed-for all I can gather since they never notified or contacted me-the negative balance amount had to be paid up before 5:00pm that day or be penalized $17.00.
Since I was NOT properly notified of this"change in policy"I was totally unaware that my account was short a couple of times and racked on 3 ($17.00) fees!
Upset I called the bank and asked what was going on and they said that each transaction costs $17.00 if the acount had insufficient funds that midnight (I didn't know it at his time but eventually I found out that the deposits were counted also at midnight, but this is the SECOND minute of midnight?!?) The telephone CSR at B of A said sice I was a good customer she would only make me pay $17.00 (Fall 2003).
This questionable ethics continued to my annoyance but I got really upset inmMarch. 2005 when they took, without notifying me, over 200.00 from my checking account because my joint account, which was closed by me because of my husband's carelessness, was overdrawn. They would not disclosed how or why or let me look at the checks but took this money that I earned and relied on to survive at their will whenaver it suited them.
I been at this branch in Fresno many times complaining and to resolve this ugly mess, they just subtracted one of the many NSF fees accued. I also complained that banking with this scam company was like playing the lottery-You did'nt know which CSR will give you back your money since they all seemed to have their own policy and the managers support them and verbaly insult me!
In june the decided that it is time to kick it up a notch and behind my back raise the NSF fee to $34.00 and notify her via email (attached to the B of A website) AFTER I complained that I couldn't log in to see my account and please mail me my statement, which they did-but NO NSF increase notice was attached ti the mailed statement, only online!
So once again I am bouncing checks unknowingly since I have no clue what or how much the bank wants to steal from me. They even charge a $34.00 for an outside transaction fee that mysteriously comes in 3days later! Can they do this? I know if I had a business and gave them a random late charge because they forgot my pen, I would be in jail@! @!! Someone help me!!! I am going to a different bank that has a better reputation (which by the way their CSR said that she could care less); but in the meantime I live at poverty level and the money they stole from my account for questionable NSF fees could equal to almost $1000.00.
Since then I have suffered a major depression/anxiety episode, and still experiencing. I am too scared to call thier office for a verbal attack and see them in person for fear of public humilation (they whisper and giggle alot).
All I want is my hard earned money back from the overzealous NSF fees. They take from the poor and treat them like dirt because they're big and can get away with it. I want this to stop and give and the people their money back. They have no right toying with yuor money and taking it
Just like the many nightmarish conversations I had with these unpleasant Bank of America agents "Whatcha going to do about it?" I hung up crying.
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