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Bank Of America - Customer Service? I'm Switching THEY TOOK 50% OF MY PAYCHECK FOR NSF CHARGES AND WON'T PROCESS A REFUND Buffalo New York
Up until this week I was a fan of BOA. Their online banking is very user friendly - and any questions or concerns that need to be directed to an actual person, well you get someone right here in the US who actually speaks english.
This week I made a transfer from my savings to my checking. I made the transfer on Monday evening. This would have provided me with ample funds for the remainder of the week. Unfortunately, the transfer was never processed. I was using my check card throughout the week for small things, minimal charges - never thought twice about the potential of overdrafting my account.
Thursday I sign in to pay some bills, and low and behold I am overdrawn by over $150! This was obviously alarming to me - so I call the bank to find out the problem. Turns out my transfer never went through. I figured the phone call would go smoothly, no issues, they would simply see the error and refund the money.
Not the case. BOA continues charging me until I have upwards of $400 in NSF fees alone. I call incredibly upset, request a manager, beg and plead - nothing. 'This is not a bank error. We cannot help you.' Thats it. Nothing. They would do absolutely nothing for me.
The only news that they had for me was that I was most likely going to be receiving more NSF fees, none of which I would receive refunds for. I immediately closed out two of my other accounts and plan to have my primary checking closed beginning of next week. I would never recommend this bank to anyone. They are thieves.
Margaret
Buffalo, New York
U.S.A.
7 Updates & Rebuttals
ReactorCore
Victoria,British Columbia,
Canada
Jim is right....
#8Consumer Suggestion
Sun, August 02, 2009
If you do an online transfer, you should *always* print out a copy of the transfer information. Hang on to it for as long as you need it, that being you are 100% certain the transfer has been processed and everything is fine, then use a cross-cut shredder to dispose of the info.
In many cases, when an online transaction is done, such as paying a bill or transferring funds, in addition to the basic details of the transaction, there will be a CONFIRMATION NUMBER attached by the system to the transaction. At the *very least*, you should jot that number down, so that when you feel there has been an error, although the bank can likely look up the date and time of your activity, the confirmation number will point to that one particular transaction.
Banks get blamed for a lot of things, and yes, sometimes they do make errors, but the weight of proof is on the customers shoulders. You have to be armed with every *scrap* of proof you can muster. The more the better. So, even if that little number looks unimportant, take it anyway. Better to be overcautious and win than be poorly prepared and lose.
If you *did* muck it up, having all the available information can also assist the bank in telling you exactly *how* you screwed up, and how to avoid the error in the future too.
Jim
Anaheim,California,
U.S.A.
You Seem To Love Online Banking...Yet....
#8Consumer Comment
Sun, August 02, 2009
It would seem the online banking system just did you in. So much for loving online banking - right?
Now, if I'm working at the bank and you come to me and say, "I made this transfer and the system didn't make it for me. It's a bank error and I want a refund of my NSF fees posted to my account." My response would be, "OK, fine - where is your proof that the online system recorded the transfer???"
Did you keep anything like a printout verifying the transfer?
If you don't - as I suspect you don't - how am I supposed to know you even tried to make a transfer? I might be able to see you were logged in on the date you talked about, but there is nothing done on that date indicating a transfer. If you lack documented proof, it would be impossible for me to know you did anything. I might even suspect you were trying to rip me off by lying to me about the transfer.
I mean I don't know what you want the bank to do? As far as the bank is concerned, you didn't perform the transfer, you have no proof it was done, and you want the bank to refund you the fees? I don't think so.
All banks are the same. The only difference is the name in front of the building. I can only surmize the same thing will happen to you at the next bank and the next one after that.
Stacey
Dallas,Texas,
U.S.A.
NO
#8Consumer Comment
Sat, August 01, 2009
You need to take responsibility for your account period ie: keeping a check register, reconciling your monthly bank statement
You may have requested to move money from one account to another yet it is your responsibility to make sure the transfer was done before you started spending money
And NO I do not work for BOA or any other bank - I just know how to manage my bank account at FDSB (that is my bank)
Stacey
Robert
Irvine,California,
U.S.A.
Questions...
#8Consumer Comment
Sat, August 01, 2009
Do you have any proof that you made the transfer.
Did you check the next morning to make sure it went through?
Robert
Irvine,California,
U.S.A.
Questions...
#8Consumer Comment
Sat, August 01, 2009
Do you have any proof that you made the transfer.
Did you check the next morning to make sure it went through?
Robert
Irvine,California,
U.S.A.
Questions...
#8Consumer Comment
Sat, August 01, 2009
Do you have any proof that you made the transfer.
Did you check the next morning to make sure it went through?
Robert
Irvine,California,
U.S.A.
Questions...
#8Consumer Comment
Sat, August 01, 2009
Do you have any proof that you made the transfer.
Did you check the next morning to make sure it went through?