Nikki
Coconut Creek,#2Consumer Comment
Mon, July 28, 2008
The bank's rule is if it is a banking error that caused the fees, they will be removed. So, if it's your error, OR merchant error, OR card terminal error, the fees will be charged. You were very lucky you got them to credit the $430 back in May because many banks would have still charged you, citing it wasn't their error. It no longer matters if it's not your fault. The only thing that matters is whether it is the bank's fault. Yes, merchant error is held against you too. I suggest never allowing a merchant to swipe your card and manually enter the amount. They could make an error and the bank will hold it against you. Go to those merchants with cash.
Steve
Bradenton,#3Consumer Comment
Sun, July 27, 2008
Kimberly, First of all, NSF fees are OPTIONAL. You CHOOSE to pay them. I CHOOSE not to pay them. It is a real simple concept. FYI...I have NEVER paid an NSF fee in 30+ years of multiple checking accounts in multiple states since I was 14! And...I was with BofA for 14 years of that time with 2 different accounts at the same time in different states! No problems. And, I have lived paycheck to paycheck for many years, and still no problems. I can run my account down to $1 and never have a problem! I've done it! That is because I keep an ACCURATE checkbook register, AND I wait for deposits to clear before even writing them in the register. NSF fees are a product of POOR ACCOUNT MANAGEMENT. No rip off. PS..If you don't like me telling you to properly maintain your account, stop crying about NSF fees that you caused yourself! I get so tired of all these people who cannot comprehend the simple task of keeping an accurate checkbook register, and then yelling rip off and blaming someone else. Take responsibility for your own actions, or lack thereof. Get a grip.
Kimberly
Modesto,#4Consumer Comment
Sun, July 27, 2008
Hi I totally know exactly what your talking about, Its has happened to me several times so many i can't even count. It has gotton to the point where i only keep what is needed in my bank account with the Bandits of America. They deceitful practices have cost me thousands of dollars, and their customer service reps totally SUCK. you have to be persistant and keep calling and eventually you will get someone who will listen to you. Always ask for a supervisor, stupid flunkee customer service reps are pitfully incompetent. The only way you will ever get anything refunded is thru a supervisor. Bank of america changes thier policys to suit their needs and gain as much of your money as they possibly can. I've seen them re-arrange debits so they delibrately can charge you insufficient funds fees, and i 'm not talking largest to smallest debits, i';m talking where they will delibrately take thier fees out first so everything else incurs a fee. Good luck with them, they are the worst bank in America, they care only about themselves and have gotton worse since they bought out countrywide mortgage. I guess bailing them out wasn't cheap and we are paying the price. Unfortunately unless you change banks there is nothing you can do but suck it up. Hopefully someday someone will take them down. Oh by the way, they will lie to you without blinking an eye, then when you call them on the lie, they hang up. PS. Steve, quit telling people they dont know how to manage thier finances, Obviously you must keep an abundance of money in your acct so you dont have these problems with BOA. There are literally hundreds of comments about how BOA robs us unfairly every day, WAKE UP AND SMELL THE THEFT. IT IS HAPPENING TO LOTS AND LOTS OF PEOPLE, YOU WOULD THINK THAT SINCE ALL THESE PEOPLE ARE POSTING THE RIP OFF REPORT DAILY FROM ALL OVER THE COUNTRY THAT THERE IS POSSIBLY SOME TRUTH TO WHAT WE ARE SAYING? DUH!!!!! You constantly put down people for not managing their finances correctly but like millions of americas some of us live paycheck to paycheck and bank of america prays on those of us who do. Read some of these post and then come back and tell me that this bank cares about its customers, the only thing it cares about is getting as much money as they possibly can out of us. And believe me they do any way they possibly can. Every morning i get up and dread looking at my bank account online , wondering what little trick they played on me last night to extract money from my account. Its gotton to the point where i keep less than 100.00 in there, just because i am sick and tired of the bank taking my money. I keep just enough in there to cover what ever pops up and that is it, if i have a bill to pay i have a separate visa card that i go down and load money on just so i dont have to worry about those pesty little fees, can't tell you how many times i have told the bank if the money isn't there DO NOT AUTHORIZE THE CHARGE. but they do , and why do they do it? They will tell you it is for your convience, BUT IT IS REALLY FOR THE 35.00 THEY COLLECT. BANK OF AMERICA IS THE WORST BANK IN AMERICA. THEY ROB US AND LEGALLY GET AWAY WITH IT. COMING UP WITH THE CHECKCARD WITH VISA ON IT WAS A MULTI MILLION DOLLAR MONEY MAKER FOR THEM. MULTI MILLION DOLLAR
Steve
Bradenton,#5Consumer Comment
Sat, July 26, 2008
The ONLY way to avoid NSF fees is to keep an ACCURATE checkbook register, and do not spend money that is not yet posted and available to your account. It is really a very simple concept that so many cannot comprehend. You never mentioned keeping an accurate checkbook register. You only mentioned online banking. You CANNOT use only online banking to manage your account and/or determine your account balance. By your own words you have a history of NSF fees and/or situations where you are 'floating" transactions. You engage in poor financial management, and then scream rip off!