I was also taken by BOA's way of banking. I have proof of all my alligations and have even filed my complaint with the Banking Commision, which turns out to be a useless step I might add, they are of "NO" help as far as I'm concerned. My situation is as follows:
I called and checked my balance on the phone with BOA's 24 hour "Customer Service" they so proudly advertise, as well as checked my balance on line, not to forget to mention, I talked to a member of BOA's customer service. I specifically asked her if anything was "pending" against my account that I could not see while on line, she stated "No, everything I see is exactly what you see and it all looks fine". So with all that information I decided to wait to go to the bank and make my deposit until after dinner. Before going to the bank, since I was NOT short on cash or time according to BOA, I did my shopping. I never went over the amount BOA stated I had in my account and as a matter of fact all of my purchases were paid for by using my "Debit Card", the very one linked to this, my ONLY account. All of the transactions were ARROAVED at the time of purchase. I did not write any checks, all the purchases I made were paid with my debit card. I then went and made a deposit through the ATM which would have covered everything I had done and still left a positive balance in my account. Even my deposit slip showed a positve balance.
Well you can probably imagine my shock when I woke up and logged into my account on line to see that I was negative almost $200.00! Did you know that BOA can approve a charge, then take it back to pay a higher CHECK that came in "IN THE MIDDLE OF THE NIGHT"? Well they think they can and they did to me. When I asked, "where this check came from in the middle of the night, that NO ONE could see? The answer I got was "Oh it was "OUT THERE"." Where is "out there"? Probably next to "pending". Well will someone take me there? Physically? Physically take me to pending or out there. Because not only is my money there but everyone who banks at BOA money goes there at one time or another and I think it would be interesting to see it all in one place!
So other than wanting to take the trip to "pending" or "out there", I would love for someone to explain to me a few things on these "BANKING RULES"... Like,
1. How you can take money out of an account that is negative?
2. Or since when can you have negative money? You either have money or you don't, period.
3. Wouldn't it upset the retailer where the purchase was made, the approaved purchase, to have the money taken back?
4. Where is pending? Is it located in the bank? In the same state as the bank? Or just in the mind of all bankers?
5. And here's a real doozie... Why can a bank change the date on your deposit slip to make it read the next day? Who do they think they are, God?
Well if they are indeed God please let them know that they wrongfully took $350.00 out of my negative account, which means they got less than nothing from me.
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