Dec 15th My Account Balance showed $ 52.21 Dec 16th Made a Deposit of $ 243.00 same day proceeded to Home Depot, to purchase some washers. Dec 16th paid Home Depot by Debit Card $ 4.48 (Deposit summary showed a positive balance of $ 52.21 plus the deposit of $ 243.00. The cashier charged the card and it was not rejected due to overdrawing or otherwise. The same night a check presented by me for $ 450.00 was cleared and I understand that the $ 450.00 was overdrawn. The Bank switched the transaction and showed the $ 450.00 first to overdraw the account substantially and then shows the $ 4.48 charge, now claiming $ 35.00 O/D item fee twice. Where as when I charged the card with $ 4.48 at Home Depot I had a balance of $ 52.21 plus $243.00 deposit pending. I think I should have been charged the O/D item fee only on the $ 450.00 and not on the $ 4.48. I spoke to customer service and their explanation was this is how the system is programmed and they cannot do anything about it, the larger amount gets recorded first and the smaller subsequently. Should this be according to the time the transaction was carried out. Please help me this is not the only instance the Bank of America have ripped me off, I will bring more fraudulent practices to your attention once this is resolved.
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