Bank of America BoA untrustworthy deceptive Gainesville Florida

“I saw right away that they had just lost a lawsuit for this same issue.”

I challenge you to provide a link to a website that supports your claim that BoA lost a lawsuit for refusing to grant customers (or even a single customer) a good faith waiver due to an impending deposit.

It is understandable to be upset by these greedy practices from Bank of America. They are likely losing customers at an alarming rate because of their policies and callousness. I dumped them myself because of their ridiculous "maintenence fees" on a small business account. Mainly, they kept changing the policies to make it more and more difficult for a small business owner to avoid the fees.

True, this problem started with you. When you overdraw your account due to your own error, you are at their mercy. About that, Tyg is correct.

But, Tyg is also a hardcore corporate apologist and believes everything is the fault of the consumer and that no company has ever done anything wrong. The only posts I have ever seen of his, he is blaming the customer, even when it appears very clear that the company was callous, violated their own policies and/or promises, or even when they broke the law. Yes, B of A has been sued for their deceptive practice of "stacking" the debits in order of greatest to least so that you are more likely to overdraw(due to a larger debit), and when you do, all the lesser transactions behind that one are also dinged for overdraft fees. Very crappy of them, and now illegal.

But that's not what happened to you.

So, to summarize: Tyg is a jerk and you should mostly ignore him. But at the same time, B of A did follow their policies (the ones you agree to by banking with them). Lesson learned.

It may be worth your while to find a smaller local or regional bank that will A) have much more customer-friendly policies and B) appreciate your business more. I did that and have been much happier. When I call my current bank, they actually remember who I am and always work with me when I need help.

And, just for the record, Tyg, no, I have NEVER been overdrawn nor have I mismanaged my accounts. I just find that a giant, faceless, corrupt, greedy bank like B of A no longer deserves my business.

 Let me counter your whinefest. Do YOU think its "fair" for them to have to pay BECAUSE you over drafted?? Self-entitled morons such as yourself seem to think that ANYTHING done to THEM is "unfair". No this issue is YOUR FAULT!!! Stop placing the blame on THEM for YOUR inaccurate accounting. YOU are an adult. The bank DID NOT spend the money that caused YOUR account to overdraft....YOU DID!!!! No they no longer give a grace period. If YOU are overdrawn then YOU have no one to blame EXCEPT YOURSELF!!!!!!

Im amazed that YOU can get out of bed in the morning without blaming someone else. Let me guess its the banks fault because you had a rough poop? WAIT!! WAIT!!!! No its the banks fault because you ate breakfast.....