I have 2 accounts with Bank of America, a checking and a credit card. I went to buy my weeks worth of groceries and the total came to about 40 dollars. I knew that was about the same amount in my account, but to be sure (because BofA doesn't ever decline your card... Thyy say its to prevent "embarrassment") I put it on my credit card with the intent to transfer what I had when I got home.
I get home and I was correct, I have about 45 dollars in my checking account. All is dandy so I transfer the 40 dollars to my credit card. The rest of the week while waiting for my food and supply money to come in (I am a full time student living off of loans and some food money from my parents) I spend the remaining $5 on small things like a cup of coffee here and there.
I go online at the end of the week and fine around negative 300 dollars in my checking account. Bank of america transfered my 40 dollars TWICE putting me at -35 with an additional 30 some dollar overdraft charge. Then they continued to charge me an additional 30 bucks for every transaction I made for the rest of the week.
I figured this would be a simple fix, their fault and all, so I wrote them an email. They had the gaul to write back and tell me that the first 40 bucks was was me making the transfer, and the second 40 was a reocurring transfer I set up a month ago and its just coincidence that it was the exact same ammount as my food and was triggered at the exact same time on the exact same day that I transfered my money. This pissed me off to no end, so I went down to my local branch and sat down with the manager. He proceeded to look at my account and confirm to me that it was their fault, then proceeded to tell me the bank literally gives him no authority over anything so that customers are forced to play the phone game giving the bank has the uper hand... So I was forced to go home and call.
I spent the next month (about every other day) playing the phone game with them. I was even told I would get a call back twice (never happened). Eventually I spoke with a manager who told me that the charges were too old for bank of America to investigate at this point. So I came out of the fiasco with 40 dollars in groceries that had to last me over a month and no money for food or school supply's for a long time.
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