• Report: #1162449

Complaint Review: Bank of America

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  • Submitted: Wed, July 16, 2014
  • Updated: Wed, July 16, 2014

  • Reported By: James — Dallas Texas
Bank of America
Nationwide USA
  • Phone:
  • Web:
  • Category: Banks

Bank of America Useless bank alerts Nationwide

*Consumer Comment: This is ALL on YOU...

*Consumer Suggestion: Don't understand...

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Bank of America insufficiant balance alerts are worthless and deceptive. The alerts are always sent the next day so they can charge overdraft fees.


This report was posted on Ripoff Report on 07/16/2014 08:02 AM and is a permanent record located here: http://www.ripoffreport.com/r/Bank-of-America/nationwide/Bank-of-America-Useless-bank-alerts-Nationwide-1162449. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 2Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

This is ALL on YOU...

AUTHOR: Ken - ()

To avoid those pesky little NSF fees, the first thing you must do is maintain an accurate, up to date check register.  If you do this and also verify the deposits you have made have actually been made available, it will go a long ways to helping you.  Checking  your balance online only shows what transactions have cleared or been credited at that time.  It does NOT reflect any transactions that are pending, including checks you just wrote or debit card usage, especially when your debit card is used for gasoline purchases which can and  usually do incur up to $100 in funds temporarily held to make sure the merchant gets paid.  Check with your financial institution for help in properly using your account.

If you don’t want to make this little extra effort, those of us who do thank you for keeping our banking costs lower.  Most banks follow the same procedures, so constantly changing banks will yield the same end result. 

Years ago, money management, ie  good banking practices was taught in schools.  It’s pretty apparent that has either changed or is being disregarded.

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#2 Consumer Suggestion

Don't understand...

AUTHOR: Michelle - ()

How are they supposed to know ahead of time that you're going to overdraw? It's up to you to know that. All the bank alerts do is let you know that an overdraft has happened after it's happened.

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