Bank of America Lesson Learned! Print Transfer Confirmation Page, Date Changed on Online Transfer AFTER it posted, NSF Fees, Overdrafts, Overdraft Fees Internet

I learned my lesson with Bank of America the hard way. I have 2 checking accounts with BOA.  I use one for my husband's daily expenses and one for bills and my daily expenses.  My husband's check goes into one account and my check into the other.

One Friday morning (direct deposit day) I did the same thing I do every Friday, I decided to move some cash into the bill account so I could use my ATM card to withdraw the cash and go pay some bills.

Let me be clear here, I use a register, I verify to make sure there is nothing pending, I record all my expenses, transfers, etc... AFTER they are shown as clear.  I follow the dates.  This is not a matter of responsibility with finances.  I have had a checking account for nearly 20 years and only once have I EVER had an OD due to a math error on my part and I happily sucked up the OD after correcting the error on my part.

After moving the money over, $600, which showed as posted immediately (NOT PENDING) I realized that my husband would need some more money for the week. I figured out exactly what I needed for money and what needed to be paid and there was $87.00 left for "free" cash.  Meaning that was what was left over after my $80 cash allowance, bills, etc... So I did another transfer back to his account.  Again, it POSTED immediately.  It was not PENDING.  I recorded the dates, amounts, etc... in my register.

Well guess what.  I logged back into my account at the end of the week and BOA had CHANGED the date of the second transfer to THREE days later.  Yes, a fully cleared posted transfer was dated wrong.  I did that transfer within 15 minutes of the first one which showed the correct date.  This resulted in NINE overdraft fees.  Not a single one legitimate.

 I called BOA and got $105 back and they made me eat the rest.  I even called the CEO's office to try and recoup the rest.   Their response was the same across the board.  "Count yourself lucky you got $105 back, the computer is NEVER wrong.  We see the date you made the transfer and it was blah blah blah..."

So lesson learned.  I will close my BOA accounts.  I will ALWAYS print a conf. page no matter what and I will tell everyone BOA is a callous uncaring, unscrupulous company that couldn't care less about it's customers.