Bank of America Complaint - Overdraft fees generated by the bank
ARIZONA -- This is my attempt at getting an overdraft fee reversed through the Chat Line. This is after already talking to a Supervisor "JN".
Welcome to Bank of America's chat service. Your chat may be monitored and recorded for quality purposes. A Claims chat specialist will be with you momentarily.
You are now chatting with 'Alice', a Bank of America Claims chat specialist
Alice: Hello. Thank you for being a valued customer with Bank of America and choosing our Online Claims text chat service. My name is Alice, and I will be happy to assist you today. May I please have your first and last name and may I use your first name during our conversation today?
You: Jim alverson
Alice: May I use your first name during our conversation today?
Alice: Thank you Alverson. I'm sorry you had to take the time to contact us today. I certainly will do all I can to help you. Will you please provide me with the date and dollar amount of the charge(s) you wish to dispute?
Last text message received Alice: Sorry Jim.
You: I ordered checks online which resulted in an overdraft fee of $35 because the charge went in the day before my deposit. I'm broke with no food in the house, and I asked "JN" a Supervisor to please reverse the charge. The said I already had 2 reversed in there past year and there was nothing she could do. This account has been opened since 1986. How many charges in that total time. I 65 partially disabled and live on $1321 per month plus aboutt $70 week from a minimum wage job. I now have $22 in the bank and I need to pick up $24 in rx from a pharmacy for my wife. Please in the name of human decency reverse these charges. I'm, hungry, sick and this money has to last me 'til April1. Please in the name of the Lord help me.
Alice: So sorry for the inconvenience on your account and we definitely do value your business since 1986. Bear with me one moment to review your account.
Alice: Thank you so much for your patience. The fee is actually still processing so I am not able to request a refund at this time.
Alice: Unfortunately we will need you to contact us either through this chat or by calling 1.800.432.1000 once it posts to request the refund.
You: I saw it online it has posted, that's how I knew about it>
Alice: It is actually showing as processing so it is holding the funds but has not actually posted to the account showing a posting date.
Last text message received Alice: We would need to wait for it to post before we can request the refund.
You: How long will that take?
Alice: I apologize for the inconvenience. Transactions are processed during the overnight processing. I recommend to check first thing tomorrow to see if that has cleared.
You: I'm sorry too Alice will be posting on a BOA blog before days out. Sleep well, eat well and pray you never get old and sick like me.
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