I have had an unhappy relationship with Bank of America virtually from the beginning. However, their customer service people would always help me, in the end and take care of Bank of America's indiscretions, although it would usually take hours on the telephone. This time is different and I have had enough. I have had multiple occasions of Bank of America posting debits before credits, even with my having time stamped receipts. Bank of America then refunds some overdraft fees, 'as a courtesy, ' but will make me pay up to 4 or 5 fees myself. I have paid over $1,000 in fees caused by bank error. This isn't even my latest, most upsetting issue.
I recently (two months ago) made a deposit of $800. I then wrote out 5 checks against this deposit (totaling about $300-$400). Well, Bank of America decided to place a hold on this deposit without notifying me of the hold in any way.
Then, Bank of America decided to return all of the checks that I had written out against the (little did I know) held funds. Then, Telecheck and Certegy charged returned check fees directly to my account resulting in 7-8 overdraft fees. I received refunds from Telecheck and Certegy directly via paper checks (their policy). I was told that when a check is returned to them, they receive a 'report' giving the reason for the return. If a check is returned due to held fees, typically a returned check fee is only charged if after redeposit of that check still is returned. Both companies cited that the fees shouldn't have been charged an gave me refunds.
So, basically I am told something different depending on who I speak to at Bank of America, but the most common thing that I have been told is, if your account is overdrawn due to an unauthorized charge which is refunded, Bank of America refunds any overdrafts incurred from it.
Well, I faxed over copies of all of the paper checks to a supervisor in Claims by the name of Dawna who has decided to blatantly ignore my fax and subsequent 3 phone calls and voicemails. Every time I call, I'm told that Claims needs to handle this and will adjust the account and when I get over to Claims, I am told that if I have already received a refund, I don't need to enact a claim (clearly). I am then told that there is nothing that can be done.
My account is now -400.49. I have re-routed my direct deposit to a new account that I hold at PNC Bank, where I am much happier, thus far. However, I am receiving phone calls from Bank of America on a daily basis threatening to put my account in Check Systems at which point I will not be able to have a checking account anywhere until the negative balance is resolved. I'm going to attempt to contact Bank of America once more after work today, but I doubt anything will come of it.
I have been told that I would have an excellent case for legal action, which I cannot afford...: 0) Thanks for any assistance in this matter.
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