I am writing to empathize with all who have posted here before me about the ridiculous amount of money that BofA charges for overdraft fees and how they go about racking up fees to prey on those customers that sometimes 'forget'. We are are human and sometimes 'forgetting' just happens. I have never seen such abusive tactics by a bank in all of my adult life! My worst experience with overdraft fees was last summer when I had mistakenly gone over my limit on my balance with my debit card. Again... It was a mistake! I was unaware that i had overdrafted and had made a series of small purchases over a 5 day period before I caught my mistake. I had purchased about $180 during that 5 days in everyday purchases for things like a cup of coffee, lunch, small purchase at hardware store, gas, etc. All in all there were 27 transactions in that 5 day period. Well it was much to my shock when I checked my online account and had saw that I was charged $945 in overdraft fees for spending $180!!! I realize that we are all responsible for our own account balances but as I mentioned... It was a mistake!!! You can tell by my small purchases that it was not intentional!!! Why would I intentionally buy a $2.00 cup of coffee knowing that I would get slammed for $35 as an overdraft fee!?? I wouldn't... Because it was a mistake! I immediately went to my B of A branch and explained what had occurred. They gave me the typical canned answer that there was nothing that they could do about... And they were really sorry. And that they truly value my business! What a load of crap! Well I got stuck paying all of those fees and it felt like I was robbed by my own bank! Tell me how that is just and reasonable! I have since opened a new account with a different bank that doesn't allow your debit card to ever go into an overdraft status. They just simply decline you. How easy is that!!??? I'll take a 'decline' for a cup of coffee any day as opposed to an 'overdraft'!! What a bunch of crooks!!!
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