This is such a rip off that a purchase I made for this Cancun Tacos in Balboa Island, Newport beach Ca. Have just been cleared on the 27th of Jan and yet it was actually purchased on the 21st. This made my balance on BOFA Payroll card as negarive since I expected to have been cleared on that same day I made a purchase which was already funded then. Since i thought i still have a balance on the 25th, then i made extra purchases from other places.
So, when this Cancun purchase showed up it got cleared but BOFA charged me today the 27th of Jan a $20 fee since I dont have fund to cover for it today. This is terrible! I called BOFA and they said that i should keep track of my transactions but we normally just look up our balance daily. BOFA first of all should not accept transactions if we dont have sufficient fund to cover. This is same case with our checking accounts.
If only there's a law on this the way our banks deals with our balances then there will be no more fees. This is how we get rip off as consumers! BOFA even stated to me that i should run after the merchant Cancun Tacos since they held my purchase for days. But, they have the rights to do that. Its BOFA who should have managed my account and not put me in this state of getting rip off by them! VISA on the other side should take care of it too!
We trust them and they're supposed to take care of our accounts!
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