Same as all the rest here, this "Bank" has apparantly resorted to theft to fix their economic woes. BofA hit me 6 times for almost $200.00 in fees in 2 days. I saw there were a couple small charges pending (NOT POSTED) the evening prior, so I online transferred $ to more than cover them. Got hit with (2) $25.00 fees on the next day anyway. Those 2 fees pulled my account down so 2 more went NSF. They then charged me $35.00 each for those 2. Total of $140.00 overnight. I called the 1-800 number and plead my case - got $60.00 refunded. I was still pissed, but at least I got some $ back.
This gets better, though. Knowing that I had 2 new charges on the way, I immediately went to the local branch and deposited cash in that account and added more cash still to the account that covers overdrafts. The teller saw two more charges coming, and said nothing. Logged on today to find 2 more $35.00 charges for those 2. AND THE MONEY WAS THERE! They said "those charges were from the day before, and the money you deposited wasn't there then, even though it didn't post until today". WHAT?!!
I called 1-800 and lost it - got nowhere. I called back and tried with another rep - got nowhere again. Tried a third time, and viola, got my $70.00 back. Folks, just keep calling them until you get success. Also, call the business number for customer assistance, there is no cue line to wait in, and the business account reps will help you with your personal accounts if you have a business account.
This is a total scam - We have absolutely no proof as to when a charge is going to be posted to our accounts from a check card. The bank is in total control as to when these hit, and and they "claim" that they have no control over when the vendors submit the charges. When they see a situation where their pulling money to cover NSF fees will result in a chain reaction of NSF's and more fees, they do it. This is a recent thing - I used to transfer money online to cover these issues, and was never charged NSF's before as long as I transferred money to cover them while they showed PENDING.
I see the reports just like mine coming from everywhere, and it looks ripe for a class-action lawsuit to me. Better yet, spread the word that BofA will steal your money to every friend and relative you have, close your accounts and move your money to a local bank that does not take government bailout money.
And call Clark Howard! I just did, maybe if enough people call him, he'll air their dirty laundry NATIONWIDE. They deserve it.