Bank Of America
Bank Responses to Complaint About Insufficient Funds Fees

I agree others customers have complaints regarding NSF fees which really ripoff. I know I'm not the only person messing up the checking balance. Here's the 2 BOA responded to me regarding NSF fees:

"Thank you for your inquiry dated 6/8/04. We apologize for any inconvenience you may have experienced.

Your concerns have been presented to our senior management for the purpose of understanding what our Customers are experiencing and take the appropriate action to ensure the best possible service. Without the invaluable input of our Customers, we cannot improve our products and services.

If you wish to provide a written complaint, we ask that you please submit your concerns to us in writing to the following address:

Bank of America
Attn: Executive Customer Relations
P.O. Box 655961
Dallas, TX 75265-9964

We appreciate your patience and indulgence as we continue to develop and enhance the ease, convenience and functionality of our products and services.

If we may be of further assistance, please contact us again by e-mail.
Thank you for choosing Bank of America.

Sincerely,

Ginny A. Evans
Bank of America
Daytime Phone#: (323) 478-1188"

"Thank you for your e-mail. We apologize for any inconvenience you may have experienced.

We understand having a cost effective account is important to you and we will be more than happy to discuss other options such as overdraft protection, however, the overdraft fees will remain in your account.

Our account records indicate that the account in question does not currently have Overdraft Protection. Overdraft Protection is not automatically part of an account and must be requested in order to be set up. In order to set up Overdraft Protection, it is necessary to have a Credit Card or a Savings account. Overdraft Protection involves the linking of one of these account types to your checking account so that funds can be transferred from the linked account whenever an overdraft situation occurs.

To open one of these accounts and apply for Overdraft Protection please visit our website at http://www.bankofamerica.com/deposits/checksave/

Please note that per the Deposit Agreement and Disclosures agreement, which governs your account with Bank of America, we are not obligated to pay an item presented if your account does not contain sufficient available or collected funds, but we may pay it at our option and charge you a fee.

As of April 9, overdraft or insufficient funds fees are assessed against your account based on the number of overdraft fee occurrences on your account as shown below:

- 1-2 occurrences: $16.00
- 3-5 occurrences: $30.00
- 6 occurrences: $33.00

An occurrence refers to the number of days with an overdraft or insufficient funds item presented against your account during the preceding 12-month period. The rolling 12-month period includes the current calendar month plus the previous 12 calendar months.

If we may be of further assistance, please contact us again by e-mail. Thank you for choosing Bank of America.

Sincerely,

Moreen J. Singh
Bank of America "

Now I really want this to stop this before it happen to others while Bank of America branches are picking out other's pocking as profit!!

Company: Bank Of America
Country: USA
State: California
City: Los Angeles
Address: Colorado Blvd

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