I have been a BofA customer for about 2 1/2 years. I have a checking and savings account threw them. This was an account I set up myself and have maintained. The reason I am upset is because I have been saving some money for this coming. I haven't looked at my account for what I would say is the better half of 2 weeks. Totally forgeting about the funds I had in my savings.
Well today I decided to check on my account and wouln't you know I HAD $225.00 in my savings. This is the way it happened. I guess a transaction had occured in my checking since I last checked my account which they tell me mounted to $121.00 ($52.00 to one of my payess and 2 overdrafts of $35) and so they took it upon themselves to deduct this amount from my savings and on top of that charged me another $10.00 for having to do so. Now as of today another $90.00 is to be deducted from my account to cover some fantom $131.00 debit plus any additional overdraft charges they would like to add.
Now please note that I never signed up for the overdraft protection from my savings account. As far as the Customer Service rep could see from him computer and my account history he could see that I wasn't the one who placed the savings overdraft protection on my account it looks as though one day it just happened and since it had already gone threw my checking account there was nothing that they could do about it. Also let me point out the $90 is still pending at this time but again I was told there is nothing they can do sorry for any inconvences.
So I went into a branch to speak with someone personally because that just didn't sound right and would you know it this dude has his nose so far up in the air towards me that I dought he has even seen my face and talk about snobbish and rude. I'm trying to talk to him all the while trying to keep from getting upset (my 10 yr old daughter is right next to me) I can't even get a word in and this man starts talking all over. He says it's my fault I had to of asked for it and I said no I didn't the Customer Service Rep even confirmed that for me and his nose goes up even further and says welll you better go and talk to the person who opened up the account, I remind him that I was the one who opened my account and chose what I wanted and didn't want.
He then says this is just the way we do it. If you have overdrafts in your checking and over $50 in your savings we will move that money over to cover it. All I can do is refund the $10.00 we charged to your account. I knew this not to be true. This man was coming up with every reason as to why they will not return my money, I remembered that I had asked the rep with whom I had spoken with on the phone is this automatic and he assured me no this is something you have to request and I don't have any records that show that you requested this. I then asked the suit at the bank if there was someone else I could talk to? He said yeah you can call Customer Solutions and handed me a card, I said ok thank you I 'll give them a call, he then says sorta under his breath please do and rolled his eyes. I looked at him side ways and told my daughter to get up and lets go.
Isn't this illigal? What the difference in the bank taking for my account without my concent and a stranger? And who's gonna be the one to tell my kids mommie don't have money for gifts now?
0 comments