I posted my experience with BoA Here
, (scoll down the page to see), and after reading
your post, I thought I'd add what happened yesterday at BoA.
If you read my post, since then, I keep minimal in my BoA account.
I used it to purchase an online item and went to the bank on the 1st to deposit.
I asked if I had any negative balance and they said nope it's fine.
Yesterday, I received a 35.00 NSF fee, dated the same day (1, Sept, 2009), as my deposit.
When I went to the bank, the cashier passed the buck to manager, (you know...the one who greets people like at a WalMart), and with a printout, she
was explaining how the NSF was on 31, August, 2009.
I repeatedly asked her to show me the NSF on that date. She kept pointing to a purchase. I said, there was no NSF on the 1st when I deposited, and
the NSF on the printout is on the 1st, not the 31st.
This was a circular conversation and would not resolve.
I was given an 800 number, went home and called.
There too, I was told that it was the 31st but didn't get poosted until the 1st.
I again explained the cashier on the 1st didn't see any NSF. and it is posted the 1st, same day as deposit. I was told they only do reversals if it
is a bank error. I don't know what defines "error" to them, but if they tell me there is no overdraft and later there is, I consider that a bank
The phone rep. couldn't get that I was requesting a fee reversal.
Finally, I asked if she would just submit a request to reverse the fee under the circumstances. She asked if I ever had an NSF before.
I replied, "this is the first time I've requested a fee reversal, whether a previous NSF existed or not". She finally submitted my request. (I
remember when I could call and someone would answer and be able to authorize or deny these requests on the spot.)
I will know in 5 days if they reverse the charge or not.
BoA is a wolf in sheeps clothes, and it's handlers are what used to be constituants representatives. Now they are corporate puppets and spit on
I also made another deposit yesterday, just to insure they don't try this again.
Would the government, Obama and his banker-filled administration, help the homeowners? Not a chance. Pilferring what's left of the treasury after
Bush cyphoned it almost dry before him, is the only goal.