In late December of my car payment which is made each month to Bank of America was due. Due to time constraints and such, I chose to make my payment over the phone using my debit card from my personal bank. The payment was for $299.88. This was a fully automated transaction using voice recognition. (I hate that.) Anyway, I made the payment and figured that was that. On Saturday, January 3rd, I received an insufficient funds notice in the mail from my bank. It was for a debit card transaction for the amount of $2999.88-$2700.00 over what I had stated in the phone transaction. Needless to say, I incurred a hefty overdraft fee from my bank, and since there wasn't enough money in my measly account, I also have a large late fee from Bank of America.
I marched down to BOA, who I am now referring to as 'Bevy of Assholes', and explained the situation to them. After a ridiculous period of time delineating the chain of events to a rather vapid looking customer service person, I seem to be no further ahead. It seems to have become even more convoluted and incomprehensible. They now say a check was written for the payment of December and it too was invalid due to insufficient funds. No check was ever written for December, which is why I made the damn phone payment. I am now worried that they didn't process November's check payment until they overdrew me for the phone payment MISTAKE, setting me up for yet another late fee, and another ISF charge.
What in the hell are these people playing at? Its evil petty nonsense, that we all could do well without. I am still in the process of untangling the nasty mess-which is taking up time I can ill afford, as well as tromping on my serenity and messing with my head. Bxxxxxxxs!
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