- Report: #68270
Complaint Review: Bank Of America - Rancho Cordova California
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Bank Of America
Rancho Cordova, 95741-3530 California, U.S.A.
Phone:
510-649-6600
Web:
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Bank Of America FLEECING FEES POSTHASTE! Rancho Cordova California
Let's see how this bank's volunteer shyster-apologists whitewash this latest fleecing fee scam most recently brought to my notice:
A customer's check was "returned" since its corporate payee sat on it for whatever unknown reason for some four to five MONTHS before presenting it to the bank for payment, causing it to "bounce" since the customer had forgotten about it by that late date.
Let's request at the outset that all shyster-apologists restrain themselves long enough to forget for just a moment any condescending lectures about "balancing the checkbook."
Two(2)separate Notice(s)of Insufficient Funds came to the customer by post just a day apart.
The first notice indicated that the check was presented on Sept. 17th and that the requisite "insufficient funds fee" would be deducted from the account the next day on the 18th.
Action Taken: Check "Returned."
The second notice coming by post just a day later indicated that the selfsame check was presented for payment on September 19th and that the requisite second "insufficient funds fee" would be deducted from the account the next business day on the 22nd.
Action Taken: Check "Returned."
Both notices weren't even posted to the customer until the last couple days of the month(the 29th and 30th).
"Seriously People"--to coin a chirping phrase from one prolific shyster-apologist at this site--just one question:
HOW CAN ANY PAPER CHECK(NOT an electronic debit)BE PRESENTED TO THE BANK FOR PAYMENT, RETURNED, AND RE-PRESENTED TO THE BANK FOR PAYMENT WITHIN TWO BUSINESS DAYS' TIME????
Not even the SHIFTIEST of shyster-apologists can credibly convert even the most superstitious and unsuspecting of customers to believe that the postal service delivers mail THAT FAST!!!!
Question's Answer: It can't conceivably occur except to perpetuate this bank's chronic corrupt practice of customer-fleecing fees!
Joseph Jr
Berkeley, California
U.S.A.
A customer's check was "returned" since its corporate payee sat on it for whatever unknown reason for some four to five MONTHS before presenting it to the bank for payment, causing it to "bounce" since the customer had forgotten about it by that late date.
Let's request at the outset that all shyster-apologists restrain themselves long enough to forget for just a moment any condescending lectures about "balancing the checkbook."
Two(2)separate Notice(s)of Insufficient Funds came to the customer by post just a day apart.
The first notice indicated that the check was presented on Sept. 17th and that the requisite "insufficient funds fee" would be deducted from the account the next day on the 18th.
Action Taken: Check "Returned."
The second notice coming by post just a day later indicated that the selfsame check was presented for payment on September 19th and that the requisite second "insufficient funds fee" would be deducted from the account the next business day on the 22nd.
Action Taken: Check "Returned."
Both notices weren't even posted to the customer until the last couple days of the month(the 29th and 30th).
"Seriously People"--to coin a chirping phrase from one prolific shyster-apologist at this site--just one question:
HOW CAN ANY PAPER CHECK(NOT an electronic debit)BE PRESENTED TO THE BANK FOR PAYMENT, RETURNED, AND RE-PRESENTED TO THE BANK FOR PAYMENT WITHIN TWO BUSINESS DAYS' TIME????
Not even the SHIFTIEST of shyster-apologists can credibly convert even the most superstitious and unsuspecting of customers to believe that the postal service delivers mail THAT FAST!!!!
Question's Answer: It can't conceivably occur except to perpetuate this bank's chronic corrupt practice of customer-fleecing fees!
Joseph Jr
Berkeley, California
U.S.A.
2 Updates & Rebuttals
Joseph Jr
Berkeley,California,
U.S.A.
All Banks, "Companies" and Shyster-Apologists Together!
#2Author of original report
Tue, October 07, 2003
It must be nice to live and do business amongst the titled nobility! If only the rest of us regular peasant customers were privileged enough to pay our monthly bills by presenting electronic debits without available funds and then "follow up later" with our paper checks as "proof." Ah, but then that would give the aristocratic banks far fewer opportunities and pretexts to extort their illegitimate tribute from their customer serfs through exorbitant customer-fleecing fees. Apparently all you have to do to join the bleedin' gentry is to incorporate!
Krista
Wichita,Kansas,
U.S.A.
electronic presentation
#3Consumer Suggestion
Mon, October 06, 2003
Many companies now utilize electronic presentation of checks (including my company) The company presents the check electronically to your bank, and then follows up with the physical check as proof. It is very conceivable that the company could have presented payment day 1, been denied day 2, represented day 3, and then been denied a final time on day 4 all done electronically.
