Bank of America has just charged me twelve fees of $35 each for a mistake that I made of $214 overdraft of my account.
Yes, I kept a check register, but I made an error which resulted in my last 2 transactions of $166 and $93 creating an overdraft on my account. I would expect to be charged two $35 fees, not twelve!
BOA's explanation is a very confusing one, having to do with "Available Balance History" and "Balance with auth & holds" and "Balance without auth & holds." I can even access this information online, but it is impossible to understand. After reading other consumer complaints on BOA, I can understand how the reordering practices of BOA contribute to this "scam."
My check register is easy to read, very concise, and clearly shows sufficient funds for every transaction except the last 2. (I made an error by not checking the available balance in my register prior to conducting the last 2 transactions).
You would think that BOA would have sent me an email, "hey we just charged you a $35 overdraft fee!" But they didn't, despite the fact that I get regular junk email from them trying to sell me more of their products.
I've had this account with BOA for over 30 years and never had a problem. After numerous contacts on my part (6 phone calls and 2 in-person bank visits) I was able to get six of the $35 fees refunded. But its not enough.
After 30 years, I am DONE with this bank. I will change banks, and also change my debit card habits to ATM use only!
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