Bank of America BOA Mishandling/misinformation delivered by representatives , Internet

In September of 2009, I acquired overdraft fees for a purchase made prior to pending transaction posting to my account. I called Boa for assistance in preventing this issue from happening in future situations. I was advised that so long as my account is brought current within three days then I am not responsible or charged for the overdraft fee. I was also educated that accounts that are not brought current within 5 days are also accessed another overdraft fee.

Now December 2009 the same issue has occurred but I decided to be actively responsible and deposit funds that would have my account current before the three day period deems my account over drafted. On December 14th when funds where posted to the account I was still charged the overdraft fees as well as 5 more overdraft fees within the weekly span. Confused about my accounts financial standing I gave the customer service number a call.

Upon re-educating me on the misinformation that was provided, Manager Patricia informed me that there were NO notations for any account interactions in September.......Astounded by the notation I was possibly speaking with myself I asked for any account notes. The rep further investigated my account and stated that she was only able to go back as far as 90 days but further more proceeded to travel further than the expectation she had just set with me. Further more the representative stated that there was nothing more she could do to assist me and maybe I should try online chatting for further assistance. Note:During this call the manager also stated that I never advised her I spoke with anyone after I had bluntly given her the purpose of my call.

Upon arriving to a computer I was connected with representative (online chat) Angelica who initially advised me that in scenarios such as this one, this is classified as a bank error. She also investigated the account and I further more asked for proof in writing about the overdraft terms. She first provided me a link (and for approximately for 5 minutes) tried to make me see that this link was relative to my request. It was not. So again I asked for the policy (for viewing and official education) of the policy and dating procedures for overdraft fees. She thus provided me with another link that outlined the fees themselves but not the time frame for which they are accessed. After she personally looked into the information she provided for me again, she proceeded to educate me that these policies are outlined in the scheduled fees disclosure when your account is opened.

She then proceeded to tell me that it will be 3-5 days before it can be deliver and never once apologized for misleading me in the call. Out of the four interactions that I actually spoke with persons in regards to my account, I was never once assured that my account was been handled properly and even the current notes on the account from the day's interaction where shaddy and inaccurate in real time and sufficiency. The company as a hold has failed to accept responsibility for its latency n service and management of my financial status. After 8 years, I will be closing this account once my check posts to the corresponding bank negligence charged in the form of overdraft fees despite how it will reflect on my credit score.

For the incompetency and nonchalant attitudes towards the handling of my account, I have finally decided to give up and use pre-paid credit cards to manage my monies because if the Bank Of America can not live up to such highly regarded standards how can others.