Bank Of America - Customer Service? I'm Switching THEY TOOK 50% OF MY PAYCHECK FOR NSF CHARGES AND WON'T PROCESS A REFUND Buffalo New York

If you do an online transfer, you should *always* print out a copy of the transfer information. Hang on to it for as long as you need it, that being you are 100% certain the transfer has been processed and everything is fine, then use a cross-cut shredder to dispose of the info.

In many cases, when an online transaction is done, such as paying a bill or transferring funds, in addition to the basic details of the transaction, there will be a CONFIRMATION NUMBER attached by the system to the transaction. At the *very least*, you should jot that number down, so that when you feel there has been an error, although the bank can likely look up the date and time of your activity, the confirmation number will point to that one particular transaction.

Banks get blamed for a lot of things, and yes, sometimes they do make errors, but the weight of proof is on the customers shoulders. You have to be armed with every *scrap* of proof you can muster. The more the better. So, even if that little number looks unimportant, take it anyway. Better to be overcautious and win than be poorly prepared and lose.

If you *did* muck it up, having all the available information can also assist the bank in telling you exactly *how* you screwed up, and how to avoid the error in the future too.

It would seem the online banking system just did you in. So much for loving online banking - right?

Now, if I'm working at the bank and you come to me and say, "I made this transfer and the system didn't make it for me. It's a bank error and I want a refund of my NSF fees posted to my account." My response would be, "OK, fine - where is your proof that the online system recorded the transfer???"

Did you keep anything like a printout verifying the transfer?

If you don't - as I suspect you don't - how am I supposed to know you even tried to make a transfer? I might be able to see you were logged in on the date you talked about, but there is nothing done on that date indicating a transfer. If you lack documented proof, it would be impossible for me to know you did anything. I might even suspect you were trying to rip me off by lying to me about the transfer.

I mean I don't know what you want the bank to do? As far as the bank is concerned, you didn't perform the transfer, you have no proof it was done, and you want the bank to refund you the fees? I don't think so.

All banks are the same. The only difference is the name in front of the building. I can only surmize the same thing will happen to you at the next bank and the next one after that.

You need to take responsibility for your account period ie: keeping a check register, reconciling your monthly bank statement
You may have requested to move money from one account to another yet it is your responsibility to make sure the transfer was done before you started spending money
And NO I do not work for BOA or any other bank - I just know how to manage my bank account at FDSB (that is my bank)
Stacey

Do you have any proof that you made the transfer.

Did you check the next morning to make sure it went through?

Do you have any proof that you made the transfer.

Did you check the next morning to make sure it went through?

Do you have any proof that you made the transfer.

Did you check the next morning to make sure it went through?

Do you have any proof that you made the transfer.

Did you check the next morning to make sure it went through?