My girlfriend has a BofA account. She all of the sudden started getting many overdraft fees (at 35 bucks a pop!). She noticed that when she was getting the overdraft fees, she kept getting charges for NSF or Non-Suffificent Funds: Returned Item Fees. These NSF fees charge her 35 bucks a pop also. She called bofa's customer service and the rep. Said that he 'could not see' what these fees were for. So he said that he would not reverse the fee because he didn't know what it was attached to.
So these NSF fees, interestingly, started appearing on her account with alarming frequency (30 within 4 months!) and they weren't tied to any transaction at all whatsoever. None of her checks had been bounced nor had they debited her account when she didn't have enough funds. This ended up causing her to miss a car payment. Fed-up with these fees, she called BofA to set up an appointment with a branch manager.
Upon meeting with the branch manager, the manager told her that he couldn't see what these fees were attached too. The manager told her that a NSF fee is like an overdraft that the bank doesn't want to foot the bill for. However, NSF fees are tied to bounced checks while debit card purchases are simply 'denied' during the transaction. The odd thing is, she has written 3 checks this year (she has all of the copies in her book) and none of them have bounced. The manager agreed to drop the last 2 months of NSF fees, but that was only 1/2 of the 4 months.
Another interesting thing happened when she had an NSF fee is that her account had no activity for 7 days. She hadn't withdrawn any money, used her debit card, nor written a check within the last 7 days.
Another more interesting thing happened when she had made debit card purchases. She had 105.50 in the black in her account. She would go and buy a pack of gum and incur 3 NSF charges (that were tied to nothing) the same day she would buy a 1 dollar pack of gum. Well at 35 bucks a pop, that put her at. 50$, then send her. 50 cents in the red (b/c of the gum) and then 35.50 dollar in the red for an overdraft charge.
The last interesting thing happened when she went to a non-BofA ATM. She had, in the past, used a non-bofa ATM to get 20 bucks and got charged 2 dollars by the ATM and BofA. She took out a total of 22.00 dollars plus an extra 2 dollars from BofA for the non-bofA ATM to make a total of 24.00 which is totally normal.
BUT she used the same ATM a few months later and incurred 2 of the 2$ ATM charges from BofA. So she took out 22.00 from the ATM, and got 2 2$ charges to make a grand total of 26.00 taken.
HAS ANYBODY had any of these things happen to them? Especially the NSF fees that cannot be accounted for? Is there a way to get all of the 30 NSF fees returned (including overdrafts that were the result of NSF FEES?) She is having BofA do a fraud investigation to see what happened.
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