[Graleyne]

This is the 4th time we have had issues with BoA and NSF fees. I have NEVER had problems like this before. That is saying a lot because when my oldest were smaller I was a single mom and believe me, there were times when I would have to write a check on a Tuesday or Wednesday and pray like mad that it didn't get to the bank before my paycheck on Friday.

What I don't understand is how money keeps just "vanishing".

The first time, it was just a few dollars that caused things to bounce. My check book said I had the money, my bank statement said I did not. We couldn't figure out where the money went, but with it being just a few dollars I figured I made a mistake somewhere and just paid the NSF fees. It was only one so I just bit the bullet.

The second time the bank made a mistake and I was able to prove it. Three things bounced, but they paid them and removed two of the three NSF fees.

The third time was over Thanksgiving. We have a couple of bills that are automatically withdrawn from our account. Well, the holiday threw Mike's check a day late and that's what caused the problem. I managed to scrape up enough to cover it and hurried and deposited it when they told me I needed to. Still got NSF fees because the rules suddenly changed.

This time the same thing happened. Christmas threw Mike's check off. I hurried to deposit money to cover it, rules changed again. Also this time, $25 is missing from the account. I can not find it anywhere in my checkbook, or anywhere on the bank statement. So the rep said it must be something that hasn't gone through yet. Ok, but if it hasn't gone through why is it being subtracted from my account? It isn't even showing up as pending and every transaction I've ever made with my ATM card before has shown up as pending. If it was a check they received it would still show up as pending and clear at midnight. Nothing.

I am just so frustrated and arguing with them is pointless. They just talk in circles.