Current Transcript of the Chat SessionWelcome to an online chat session at Bank of America. Please hold while we connect you to the next available Bank of America Online Banking Specialist. Your chat may be monitored and recorded for quality purposes. Your current wait time is approximately 0 minutes. You are currently 1 in queue. Thank you for your patience.
Thank you for choosing Bank of America. You are now being connected to a Bank of America Online Banking Specialist.
Amanda: Hello, my name is Amanda. Thank you for being a valued customer of Bank of America. I'm here to assist you with your personal accounts today.
Amanda: May I have your complete name as it appear on your account and the last four digits of your account number?
You:
Amanda: Thank you, Cristy.
Amanda: How are you doing today?
You: I had 2 overdraft fees assessed for activity on 3/27 when my account wasn't in the negative which then caused another downward effect for more charges. I thuink that this is absolutely obsurd. As soon as it is all cleared up I am going to cease my business with Bank of America.
Amanda: I understand your concern is regarding the fees.
Amanda: Please do not worry, we are always with you.
Amanda: Please give me a moment while I access your account.
Amanda: I am checking the information for you, please give me a moment.
You: This all started with the bank cashing 4 checks a day before payday. That there was already 140 dollars in overdraft. The agent would only credit one so I contacted consumer affairs for a through investigation into these practices. My account seems to change in the banks best interest. I can't afford to feed my eight children and control the bank deficits.
Amanda: Thank you for waiting. I'll be with you in just a moment.
Amanda: I absolutely understand your situation.
Amanda: Please do not worry, we are always with you.
Amanda: Thank you for your patience.
Amanda: I have checked your account information.
Amanda: I apologize for the delay. My system was stuck.
Amanda: One moment please.
Amanda: Thank you for your patience.
You: are you still there?
Amanda: Yes.
Amanda: I sincerely apologize for the inconvenience.
Amanda: XXXXXXXXXXX
Amanda: I apologize for the typo error.
Amanda: My system was stuck.
You: and now?
Amanda: I see that the starting balance in your account on 3/27/09 was $302.69.
Amanda: There was an authorization hold in the amount of $121.19 which reduced your available balance to $181.50.
Amanda: Then transactions in the amount of $100.00, $50.00 were posted reducing the balance to $31.50
Amanda: Further transactions in the amount of $40.00 and $20.00 were posted, which overdrew your account.
Amanda: Therefore, the overdraft fees were assessed.
You: Then it wasnt paid until 3 days later How convienient for more fees on the banks part.
Amanda: I absolutely understand your situatio. N.
Amanda: I apologize for the typo error.
Amanda: I absolutely understand your situation.
Amanda: You are unable to see the account overdrawn on the transaction list as it does not include authorization holds. However, when you click on the description of the overdraft fee, you will get a pop up reading as "How did the fee occur?". Please click on the link and it will show the reason of the fee being assessed.
You: At the time of the debits my account wasnt in the negative. I thought the purpose for on line banking was for accuracy. I am held to the higher standard of paying debits 24 seven but yet a bank doesnt deposit except for during business hours and sometimes not after 200
You: this is like 1000 percent on the loan amount.
You: did Obamas stimulus not stimulate the bank. Now they resort to stealing from their customers.
Amanda: I sincerely apologize for the inconvenience.
Amanda: I would have felt the same way!
Amanda: Let me check what best I can do for you.
You: I will take this back to consumer affairs and let them handle it. While I am at it I think I will seek the advise of an attorney. Overdraft fees in excess of 900 dollars over the past year for paying on holidays and not crediting then paying before the pay date and now just for whatever.
Amanda: Thank you for your patience, I will be right with you.
Amanda: I absolutely understand your concern.
Amanda: I am checking with my supervisor.
Amanda: One moment please.
You: I would have made another deposit had my account accurately painted a picture. I placed the money in another bank so that I can get rid of this account.
Amanda: I understand.
Amanda: Thank you for your patience.
Amanda: After reviewing your account history and discussing the same with my supervisor, as the fees were assessed correctly, I will not be able to provide you with a refund.
Amanda: Are you still with me? Please respond.
You: lI am entering a complaint on usacomplaints.com.Com Thanks for trying to help. You just work for a crook.
Amanda: I sincerely apologize for the inconvenience.
Amanda: I tried my best.
Amanda: let me once again try convincing my supervisor.
Amanda: I have put all my efforts that I can to look for a refund for you.
Amanda: But, I am sincerely apologizing as I am unable to refund the fee.
You: thanks anyway
Amanda: Only for you I tried my best.
Amanda: I sincerely apologize for the inconvenience and I hope you understand my situation in this matter.
Last text message receivedAmanda: Is there anything else I may assist you with today?
I am closing my account and recommend that all others do the same.
If there is a lawyer out there that will take this to class action I am ready. I am sure that with over 1400 people filing a report that it should have some worth... Tired of being screwed. I don't make enough to spend all of my time trying to fix bank errors. Besides it will always turn into my fault no matter what. Like for instance. Online bill pay. Payments set to come out on the 26th of March (I pay these every two weeks) 4 payments were cashed a day before payday and I was told." Well you should have your money in the bank 5 days before you want the bills paid" Why have bill pay then?
0 comments