We have been banking with Bank of America since 1991 and last week they decided to deduct $300 $70 in overdraft fees from our checking account because THEY lost my child support check. My ex-husband sent me a legal cashier's check from his credit union for child support and I deposited it on 09/03/08 and 16 days later Bank of America deducts $300 of the $400 because they could not find a digital copy of the check.
They DID NOT follow procedure and scan the check like they were supposed to. I received 2 checks from my ex-husband that day one for $100 which I cashed and BofA scanned. I deposited the $400 check, which they did not scan. The bank refused to track the check down and maintains that they did nothing wrong!!!
So our account is overdrawn by $370 and they are making us track it down! I contacted the credit union and they too are having trouble locating the cashier's check but did tell me that they matched the funds on 09/08/08 for both cashier's checks. They put a tracer on the check on their end and said it would take 24-48 hours... That was last week... Today is Monday and according to the credit union they put the tracer on the check today!!! 4 days after they said they would... Jackarses.
How can you only scan one check? The $100 check I cashed was the only check that they scanned and that check was deducted from the $400 deposit, thus making the $400 deposit a $300 deposit/deduction. They eff'd up royally and refuse to fix this until I can show proof I made the deposit! How can they credit $400 to my account on the 3rd without actually making the deposit? I mean are they retarded?
So here I sit still $370 short and there they sit acting like I was the one who made the mistake. I even had the receipt and they will recognize it. "It's not good enough, " they say. A little tough to make a $400 deposit disappear but BofA managed to do and screw the customer in the process.
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