I am so mad I could spit a nail through a 2x4!
I HATE Bank of America.
We had an issue with something bouncing and NSF fees. Now, first of all, we can NOT figure out how anything bounced because the balance in our check book (and we round up and do the keep the change) keeps coming up postive, but yet the bank keeps coming up negative. This is not the first time we have had a problem with this and no one can ever explain exactly why. This time though, I have $140 (they are saying FOUR things have bounced and one of them is where THEY took out for their Keep the Change thing) in NSF fees because of it.
This is what makes me so mad, every single time we have had a problem we have been told a different answer. The first time we were told if we saw on line something was going to bounce if we got a deposit in there to cover it before midnight there would be no NSF fees. Wrong. We got charged and were told we had to make a deposit before 8 pm in order for there not to be any NSF fees. Wrong again. We got charged and were told this time that any deposit made through the ATM after banking hours wouldn't post until the next business day. This time they are using Christmas as an excuse.
It just makes me mad that we do it the way they said and every single time its a different reason/answer.
Ok, so, the last time we were told by our local bank manager that any time we had to call Customer Service to always always always make sure we got the reps name. So get this, last night I noticed the NSF fees and I called to ask what the problem was this time (because I made a deposit when I thought I was supposed to make sure nothing bounced). I had a POSITIVE balance yesterday afternoon and we didn't go anywhere or use our card at all and then all of a sudden when I checked before bed there all the NSF fees. The rep REFUSED to give us her name. She absolutely would not do it. We asked her no less than three times.
We are DONE with BoA. Absolutely 100% DONE! I wouldn't be so mad if my check book and the bank were coming out the same and I could see that yes, these things are going to bounce or something. I wouldn't even be as mad if this was the first time something like this has happened. Its like money just magically disappears from our account at times.
So now when Mike's check goes in in the morning that $140 (if it isn't more by then
) will automatically come out of his check.
You know, I wouldn't even be so mad if they would make up ONE SET of rules and stick to them, but it seems like everyone we talk to has a DIFFERENT set and its just frustrating. Plus I just do not understand the Customer Service rep refusing to give us her name.