It all began with a simple phone call to bank of america customer service. They informed me of all recent transactions made and that my account balance was more than enough to withstand charges. It turns out i was overdrafted and received fees in excess of $99.
I was charged $33 for 3 meals and what not, i called to complained but instead of good customer service i was treated terribly with no remorse.
They would not refund amount that was wrongly charged to me. I pretty much just put up with bad service, since i have bills to pay tied to bank of america.
A few weeks later, I checked my account online, as i do everyday for balance info and whatnot, it stated that i had a balance of $13. To my suprise after making more charges for meals and whatnot, charges mostly under $5, little did i know the balance given online was inaccurate and changed the day after. Therefore leaving me in the negative continuing to use my check card on little things... Strangely like the first time all charges were posted just before my paycheck had been direct deposited.
When i contacted bank of america, once again i recieved lously service, up untill i spoke to the manager who did not fully refund charges but wheeled and dealed to see where we could settle. What could i do but accept some of the refund... Better than nothing. I didnt really have a choice.
Anyhow i had a remaining balance of $30 some odd dollars and was informed by teller that a pending e-bill would not be processed on account of insufficient funds, pretty much saying it was to be self canceled. And sure enough it didnt.
Because of some lousy supervisor's inaccurate info i was back again in the negative... Making minor charges, mainly below $5 and little did i know i was being charged overdraft fees all over again.
After going through total embarrasment at a local fast food place denying my card due to insufficient funds, i again contacted bank of america, only to be disconected by an employee and then being told by an automated system their offices were closed.
After a sleepless night, i contacted b of a again and spoke with a wise ass supervisor who informed me, that it was my mistake and there was nothing they could do about it... My mistake... I was told the e-bill would not be processed due to the fact that it was $60 and i only had available funds of $30.
Does this sound like my fault? So now my entire paycheck has gone down the drain, thanks to petty thieves like bank of america im in the hole $160 some odd dollar on behalf of their mistake.
There were some things that did strike me odd.
*large payment were processed first, then many small ones probably to charge overdraft as many times possible.
*available funds were manipulated via phone and online. Made me think i had money when i didnt supposedly.
*charges were always posted just a day before payday, i guess in order for them to be able to charge me.
Ps: their response to everything is i should keep written transaction of every purchase i made... I didnt because every charge i made appeared the same day or 1 to 2 days later online. I used their manipulative online services each and everyday to keep track of purchases. And everything always checked out right.
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