Complaint Review: Bank of America - College Station Texas

is available at this website!

Just stay at this site and type in- ITALY, and it appears in the consumer comments section at Ripoff Report #683094.

Thank You

WELCOME TO ITALY- WE'RE ALSO PART OF THE SAME ORGANIZED CRIME SYNDICATE THAT CONTROLS THE UNITED STATES OF AMERICA, AND THAT'S WHY OUR GOVERNMENT IS SO DEEP IN DEBT AND COLLAPSING JUST LIKE THE CORRUPT GOVERNMENT OF THE USA

OUR ECONOMY TO FUNCTION. Without FRAUD, our economy (most of it) would come to a screeching halt, as we're experiencing right now. That's WHY there has been so much 'stimulus' money injected into the banks & other companies like- AIG, GM, Chrysler, Freddie Mac, Fannie Mae....... etc.

I think you can keep your rude posts or what ever mean comments you have to yourself. I only stated a little about myself as far as age ect. Maybe I should have stated things different for people like this post on the 15th. Mad at the world and taking it out online I guess. I learned my lesson about telling my story for anyone to read. Like it is already not embarrassing telling the story. enough fools like you get here and add you're unwanted 2 cents in. Own lessons learned here. I do thank the person for the 2nd post how ever for the advice.

First, whenever you file a fraud claim against a transaction, make sure that you follow up any telephone calls with something in writing.  If you look through your account terms there should be a section in it that explains the process and where to send your writen claim.  This does two things.  It preserves your rights and it starts the clock ticking for the bank to resolve the complaint.

In most cases, if a bank does not receive your fraud claim in writing with a certain period of time (I think it is 10 days but your account terms should tell you) they will deny the claim and reverse the provisional credit.

You should have or will receive a letter from the bank telling you the claim was denied, why and when the provisional credit will be reversed.

If the claim was denied for any other reason other than a failure to submit the claim in writing, you are able to request copies of the documentation the bank used to investigate.

As to your overdrafts.  It really is simple.  Don't initiate transactions until the funds are available to draw against.  Again, read through your account terms.  There will be a section in it that explains the bank's funds availability policy.  There should also be sections in it that explains how they process check card and debit transactions.  Depending upon the type of deposit (check, cash) determines when the funds become available to draw against.  Floating transactions is a sure fire way to set yourself up for overdraft fees.  Paying a late fee to AT&T would have been less of a cost than floating their payment.

In general, with check card purchases or payments, the funds for the transaction are placed on hold (though not deducted from you running balance).  That means that the rent check when presented to the bank may not have had suffcient clear funds to pay it,  due to the hold of funds on the AT&T transaction you initiated at 11:00 AM.  Thus the NSF fee (which would have shown up on Monday) plus any other debit card transactions initiated over the weekend, and their associated NSF (which should have shown up on Tuesday).   By trying to float the AT&T payment, you set into motion a cascade of overdraft charges that you could have avoided.

Your attitude leaves a lot to consider.

Pulling the old "I am 26 years old working full time for only $11.00 an hour in an accounting outsource company, have 2 young children to take care of, as well as putting myself through college" really dilutes your post. So, if you were a 50+ mid-level corporate executive then it would okay for this to happen?

I think you are leaving a lot of details out of your story and want people to just feel sorry for you because you got screwed, but you don't want to take any responsibility for allowing it to happen.

Banks have an evil corporate philosophy for sure. I do not dispute that. But as a consumer it is your responsibility to decide with whom you will do business. If you aren't willing to investigate alternatives (credit unions, small banks, banks that will  let you customize your account specifics, and YES they are still out there but you need to seek their services), then stop whining and bend over.