Bank Of America EXCESSIVE fees, Overdraft fees, unethical behavior, absolute CROOKS! Cypress California

You need to go back to your bank and tell them that your funds shouldn't have been held for more than one day. Go to the Federal Reserve and look up bank check holds. If I remember correctly US Treasury funds are not supposed to be held more than one day. If they still hold their ground, file a complaint with the O.C.C.

#1 The problem is that when you spent the $1.08 & $7.64 you did not have that much available in your account. That's why you got the fees.

#2 The letter probably said you were 'pre-approved' for the card, and then added pending complete credit approval. When your credit was checked they found out they couldn't accept your application. Happens all the time.

#3 And yes, actually if you get a fake/fraud check and deposit it into your account it is your problem. You are responsible for everything deposited. Unfortunately the bad people who do print & deposit fake checks make it tough on the good people who have to wait for their money.

I know exactly what you mean!
Such as when I deposited my tax return check, and they put a hold on it for 2 weeks - despite on their website it saying government issued checks clear in 2 days or less. Customer Service claimed they didn't know what i was talking about.
Also the letter i received about the check - that they "had information the funds may not be paid" word for word! Excuse me, if you think the gov't issued me a fake check, that's not my problem! And also the letter stated any overdraft fees I incurred while waiting for the check to clear would be credited. Well, I deposited the check into my Savings (and my Checking is linked to it) God knows, when my balance gets low they charge my savings for "overdraft protection" (if i overdraw or not) but when I called to have a couple of overdraft fees reversed - because the letter said they would! - even a supervisor refused because the fees were in my Checking not my Savings, which is where the check cleared.


Ridiculous!

They sent me a letter one time saying that I was approved for a credit card, just fill out the information and send it in....well, I did just that and they sent me a letter saying that my request was denied....

The inquiry hit my credit report.

Why send me a letter of approval just to rub it in my face that I'm not approved???

B**&*&*&s!!!

They sent me a letter one time saying that I was approved for a credit card, just fill out the information and send it in....well, I did just that and they sent me a letter saying that my request was denied....

The inquiry hit my credit report.

Why send me a letter of approval just to rub it in my face that I'm not approved???

B**&*&*&s!!!

They sent me a letter one time saying that I was approved for a credit card, just fill out the information and send it in....well, I did just that and they sent me a letter saying that my request was denied....

The inquiry hit my credit report.

Why send me a letter of approval just to rub it in my face that I'm not approved???

B**&*&*&s!!!