On 4/8/08 I used my Bank of America check card as a credit card on 3 transactions knowing that my paycheck would go in for direct deposit at midnight. Credit card transactions don't post to your account until the merchant sends in the charge slip.
I had an ATM withdrawal & 2 electronic payments to come in on the 8th for payment, the money was there for these, my account did not go negative. At midnight my direct deposit went in & one of my credit purchases posted on the 9th, the money was there for this. The other 2 charges didn't post until the 10th.
On the 9th I was charged 3 - $35.00 NSF fees for no reason. I called the customer service # 1-800-432-1000 and was told these charges would not be reversed. At lunch I went to the Southpark branch, they had one personal banker working the podium to greet you & let you know to sit & wait & one personal banker working with clients.
I had only one person ahead of me waiting & after 45 minutes of sitting there a lady walked into the bank in daisy duke shorts & the guy at the podium helped her himself & sent her on her way. Then a business man walked in & again the guy at the podium helped him with his issue & sent him on his way.By now as you can imagine I had become very irrated, especially since I was on my lunch hour.
The podium guy got a teller to try to help me. She didn't know the policies for overdraft fees & couldn't remove them. She did give me a copy of the Schedule of fees you receive when you open an account. Finally the other personal banker was done with the gentleman he had been with for over an hour.
I go in to talk to Rocco who is very rude & condisending, he proceeded to tell me I should do a better job of balancing my checkbook so I would know what I have available. He said this was a new process implented on March 1 & notices were sent with statements in June & reminders were sent on the March statement. Needless to say he refused to remove any charges and proceeded to rush me out of his office threatening to have me arrested for being to loud. I get a little loud when someone is stealing my money.
I then went to the East Blvd branch where I was able to see someone immediately and she agreed with me but had to call in for permission to return the fees. Needless to say the lady on the phone told me to learn how to balance my checkbook & refused to refund the fees.By now my lunch hour had turned into three & a half hours.
When I got home that evening I decided to read the schedule the teller had given me. The book was effective February. There were changes in the book for overdraft fees that would take place on April 19 & May 9 but no mention of the change that they claim to have started advising customers of in 2007 that would take effect on March 1.
Again I called customer service. I spoke to an associate and had the call transferred to a supervisor and then to a manager. I read all of them there schedule word for word which states that overdraft fees are only charged on items that funds are not there for & the bank pays for you or items the bank returns unpaid.
They all told me the fees would not be removed. My question to the manager was, this new process is not in your book handed out to peple opening new accounts & current customers were notified on their statements so how do new account holders find out. He was silent & I told him the reason it doesn't show is they know this is an illegal & immoral practice so they are trying to hide it from you so they can wait & steal all your money with this. He then told me I had an old schedule & I made sure to let him know I had received it from the teller that day.
I did check my statements for the notices & there is no mention of fees being charged on pending transactions.
I found out several people I know have also been hit. I would love to file suit against them for this. I will gladly join with anyone who wants to take them on. If they want to say there is no money in the account when these things are done I told them just like a credit card it should come back saying declined, but then they couldn't take any of our money if they didn't let it go through.
Margaret
Charlotte, North Carolina
U.S.A.
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