Bank of America charged my account for overdraft fees when there was enough money in the account to cover the charges that went through that evening. They explained they accessed the fee becasue I had funds waiting to go through the account that was more than I had in the account. I thought that banks could only charge your account if they attempted to collect funds from your account and the money was not there. If I charge something it may take 3 or 4 days before the money actually hits my account. Charges are not to be accessed until the day the money is withdrawn or attempted to be withdrawn and the account has insufficient funds. My account had sufficient funds to cover the charges that were taken out. The bank has charged me for 4 over draft fees. If the bank would not have taken any fees away, my deposits would have covered all charges. The bank admitted an error and gave me 1 $35.00 credit which should have triggered credits for the remaing overdraft fees. The manager advised me that they can't back date the credit to the date it was taken out because it was not fraudglent. If was fraudglent for the bank to take my money in the first blace.
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