I am a Bank of America customer and have been for about 4 - 5 years, up until October I have been over all pretty happy with my banking needs being met ect.in the being of October I noticed a charge to my checking/Visa card that I had not authorized. I contacted the banking centers fraud department where I was made to feel like I had done something wrong. They made me feel like this was not even worth the $70.00 taken. I was "temporarily" refunded the money while they conducted an investigation that would take up to 90 days. I was provided the with vendor information and phone number to also "research myself to verify this was not something I did in fact buy."
I called and I could not for the life of me get these people to tell me what company this was. The phone was answered "Customer Service can I have you name please". Long story short I was given the run around and have no clue what this product is/was which was paid for online. Finally letting this one go, I had my money back and just put it behind me. The week of my birthday October 19th I had a $750.00 rent check out to my land lord and needed to pay my cell phone bill. I called AT&T and told them that my husband was getting paid that evening and I could apply a payment to my Visa now (11AM), if they would not post this until the following bus day. The lady I spoke with told me that the payment would not be taken from my account until 48 hours, then AT&T would apply their payment to my account.
This same day the check went through the bank before 3 pm, leaving me with roughly $40.00 bucks to my name. The next day was a Sat so my husband went down to BOA and deposited enough money to cover the phone charge and then some. NEVER was this account negative not once. Tuesday the CASH deposit showed up in my account and then Wed the AT&T charge posted. Per my balance report leaving me with $200.00. According to Bank of America they had the right to charge me 3 over draft fees. Never having to front me funds on anything. NEVER did my account go negative UNTIL they started charging me all these fees. Had I known I would not have continued to use my card I am not stupid.
I ended up being charged $800.00 when all said and done in Overdraft fees. I am 26 years old working full time for only $11.00 an hour in an accounting outsource company, have 2 young children to take care of, as well as putting myself through College. I have direct deposit so of course they left me with near to nothing for bills. I can't stand for this. If I had actually "Overdrawn" by account spent money I didn't have I would not be here to cry about it. When I went to the banking center here I was told nothing could be done about it because the agent I spoke to over the call center help line (who by the way gave me $80.00 back) Decisioned the option for reimbursement as not reimbursable.
And now as well the money the refund to me for the fraud was taken back out of my already negative account causing yet another 35.00 fee. I have reviewed the overdraft policies and this states overdraft fees will incur when the account has transactions higher than the available balance causing a negative balance to the account. I have printed online statements to verify this was untrue on my behalf as well. But No one will assist me. I since have had to take out a loan to make ends meet. I really feel someone should have taken a little more time to assist their customer.
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