Bank of America Complaint - Overdraft fees on a pending transaction & Rude Customer Service
BOA is charging me a NSF fee of $35 each transactions when I still have money to cover them. On the 28th of the month I still have $81 available balance to use. So I paid my bill for $63.00 knowing that I still have enough money to cover it. At the end of the day I have $41.00 available in my account since the $63.00 still pending did not clear until the 30th of the month. On the 29th, I have an automatic deposit of $699.00 thinking that I will not have any problem with my account. When I checked my account online on the 31st, I saw that I have 3 NSF fee of $35 for the transactions made on the 25th of the month of (2)$5 each that was cleared on the 28th. Like I said I have $81 available balance on the 28th, when I called BOA she said that the NSF fee is because of the purchases made on the 25th (2-$5) and the $63. that I made on the 28th. So I said, it showed in the computer that I have $81 available for use so I paid my bill for $63 and that is not even clear the same day it was cleared on the 30th. I can easily cover the 2 transactions of $5, why you'll going to charge me for that? She said because the $63.00 is pending. In bank of America when they said pending..the truth is "it is not pending" That is how they make money of their customers. By the way I have like small charges cleared on the 28th day of the month of like under $15. My point is, the $63 was pending on the 28th that is why at the end of the day I still have $41 in my account but they charge me 3 NSF fee eventhough I technically have money in the bank enough to cover those charges. I have another account with Chase, and I don't have any problem with them. they don't charge me for a pending transactions only on the cleared transactions. And they even give you once a month of NSF refund.
BOA customer service even called me "insane" by doing the transaction ($63.00) for not having enough money in the bank. How freaking rude...I asked her if she can give me at least some refund, she said no, it was not a bank error.
I am soooo upset making my day ruined. I will close my account as soon as it clear all my pending transactions.
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