Bank Of America BANK OF AMERICA SCAMS THEIR CUSTOMERS ON A DAILY BASIS Lithonia Georgia

This was all U-Haul's fault. They ran your transaction on your debit card and they were the ones who forced your account to be overdrawn. Your report should be on U-Haul, not the Bank. Your bank does NOT know how much money you have in your account; to prove it - the next time you go to your bank, I encourage you to ask any teller what the balance is in your account WITHOUT telling them your bank account number! I assure you they only keep administrative track of it - you're the person who is responsible for knowing your balance. The other problem is that the banks have already been to court on this and the banks won.

While I'm at it, your reasoning is incredibly faulty and one of the reasons why I always tell people NEVER get a debit card because the public in general doesn't understand their use. Per the agreement you signed with the bank (and this is universal throughout the industry), if you use a debit card and you don't have any money in your account, tough luck. The merchant has an agreement with the bank to pay ALL debit card transactions entered into between customers and the merchant. If it were as you say, debit cards would never be used - period. I mean that would be a good thing in most cases, but merchants like them because they don't carry the same fees as credit cards would.

Shred your debit card. Best of luck to you....

You caused your account to go negative, albeit unintentionally. The bank is presented with a transaction authorized by you, pays it and you say they are scamming you?!

On top of that, you want to sue the bank for paying a transaction that you authorized?

Here's the deal. It is your responsibility to maintain your account. You agreed to the terms and conditions when you opened the account and you agreed that you would pay the fees associated with overdrafts.

It is also your responsibility to know what transactions you are authorizing. If you didn't authorize that transaction, you should call the bank ASAP to let them know. How is the bank supposed to know? Telepathy?

If the $47 charge from U-Haul was truly fraudulent (and I have doubts), then you should be filing a report on them.