State: Nevada City: Las Vegas Product: Bank Of America Checking Account Clear all filters (2 of 113 reviews match)
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Bank of America

I was charged a $35.00 overdraft fee for a $4.99 debit. on the bank of america website it says no overdraft fee for anything $4.99 or under. They lie and as of the 3rd of the month when I get my SS check I will be closing my 16 year old account. When I called the 800 number she refused to waive the fee, when I went into the bank to talk to a manager he told me you were already told no from the 800 number. I am so done with this *** bank. new bank
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2 comments
Anonymous
#549993

I agree - I know overdraft fees suck but the person is responsible for balancing better and not "assuming" even a small 4.99 charge is not subject to a fee. You either have the money in your account or you don't.

Many banks have online banking and mobile banking so you can be up to date on balancing. I am sorry, but I don't think it is the bank's fault for a fee...

Anonymous
#549640

Why are you blaming the bank when you spent more money than you have. Try to keep a better eye on your balance and spending or link a second account for overdraft.

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#348687 Review #348687 is a subjective opinion of poster.
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Bank Of America Checking Account

Bank of America screwed me today read and beware

this morning I had a sum of 150.00 in my checking account. Well I purchased gas at 40.00 at 11am. I went home and checked my balance and it stated that I had a total of 110.00 in my account. Well, at 1pm I had an emergency that came up, and I had to check out 600.00 dollars knowing Im going to be charged an over limit fee, plus the money will be back in the bank tomorrow morning. When I went to the BofA atm machine I checked my balance one more time and it was at 110.00, so I checked out 600.00. Well, I checked my balance and now it shows that the 600.00 moved in front of the 40.00 charge. Now it looks like I took the 600.00 out first then the 40.00 which means I am going to be charged twice for an overdraft fee. I was informed that the 40.00 was still pending, but I went in circles stating that my bank account showed I had the money for the first transaction plus the transactions was not pending because the money was taken out which showed a balance of 110.00 if it was pending then my balance would still show 150.00..Im just very pissed because my first withdrawn was valid...I went on saying its not fair that the 600.00 dallors was moved in front of the 40.00 but the customer service agent said thats the policy and a survey has been done and most customers perfer to have the larger amount billed first. She stated it benifited the customer but we all know it benifits the bank.
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4 comments
Anonymous
#49093

You people dogging on this guy are either idiots or you don't read.

This person is a victim of the traditional, and widely used, NSF scam.

Heres how it works:

Say you have $200 in your account

you make 5 charges totalling $198

Then maybe a check you forgot about comes through for $200 on the same night.

The withdrawels are always conducted from the highest price, to the lowest price meaning that $200 check overdrafts your account and give you a negative balance. The next 5 charges are then processed each resulting in an NSF fee.

If the withdrawels were conducted from lowest to highest, only the last item would have resulted in a fee.

That is fraud in my book.

Anonymous
#44817

you *** its your fault because for one you didnt have 600 *** dollars, number two what matters is which one clears first, not which one took place first, you people that want the system to work for you, work with it, you have no complaint.

Anonymous
#39497

I have had similar experiences with Bank of America. At this time in our countries history there are more poor from lack of jobs and loss of a persons job.

When this happens people have to do what-ever they have to do to survive.I have had the same experience with B of A .The bank says it is a processing fee so if a person puts the money in the account before the overdraft is processed then there shouldn't be any fee. The B of A have charged me many times and if I call them on it my money is put back in my account. If a person does not call they are charged the $35.00. Do you have any idea how many millions of dollars the B of A makes because people do not call them on this??????

It is just another example of how the middle class and the poor get screwed.

And we pay taxes just like everyone. We have a right to be heard and we are not :cry

Anonymous
#39396

Why would you take 600.00 dollars that you did not have out of the bank and then want to :cry about the overdraft charges? I just don't get it. If you don't want overdraft fees don't overdraft ON PURPOSE!!!!!

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Review
#138031 Review #138031 is a subjective opinion of poster.
Product
Bank Of America Checking Account

Contact Bank Of America Customer Service

Website:
www.bankofamerica.com
Mailing Address:
PO Box 25118
Tampa, Florida 33633-0900
United States
Phone:
(315) 724-4022
All Bank Of America Contacts

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