BANK OF AMERICA RIPOFF NSF CHARGES SECANE Pennsylvania

My name is Frankie. I do agree with many here that Bank of America reps are extremely friendly. I also agree that a customer should manage there account properly so they wont incur NSF charges. I have been a Bank of America customers for 9 years and I just don't understand how there are able to get away with some of the things they are doing to there customers. We need to fight them by all means because they have on ethical practices.

I had no idea that so many people were experiencing the same NSF issue with this bank. The things they do to maximize ripping off there customers is just something that you would expect happening in smaller bank branches. It is interesting to note that many small bank branches do not engage in the same practices that this bank is involved in. Many small branches have the technology to post thing to an account in real time.

Bank of America pride themselves in improving technology to make there customers banking experiences easier. These technologies includes there online banking, ATM, and other operations within the bank. There is absolutely no excuse for there reckless behavior, except for developing schemes to maximize their profit and apparently robbed there customers blind. I think they missed some of the rules on good business practices. For example every time they do wrong to one customer that customer tell as many people who listen to them. It hurts the Bank in the long run. People usually don't spread the good but they surely talk about the bad.

Ok my problem with this bank. I once had over $170.00 in NSF fees, and I called them and I was told I needed to monitor my account more closely. The supervisor suggested I use the Online banking to monitor my account. The fees were my entire fault because I am a brain injured patient and the person who takes care of my account was on vacation. I started monitoring my account using the online banking which I found convenient and easy for me because of my disability.

Friday March 10, I had a balance of 326.95. That same Friday I made two purchase totaling 201.00. It left a total in my account of 125.95. Monday morning I recheck my account and I had 125.95. I try to take out 130.00 and the ATM said insufficient funds. I remember that I had 125.95 so I took out 120.00. That left a total of 5.95 in my account. I recheck the on line banking after I arrived home and my account said the balance was 5.95. Tuesday morning my account was overdrawn and 3 NSF charges were applied.

Ok what happen? A claim that I had a month ago was denied so Tuesday they toke the funds back for that claim. So, although this claim was not on the pending column on Friday nor on Monday. Bank of America decided that they will apply it to the account on Tuesday. They also decided that they will charge me 2 34.00 charge for the 2 transactions on Friday and one 34.00 charge for the ATM transaction on Monday.

If this is not clearly robbing a customer then I really don't know what to call it. If this claim was pending Friday or Monday then there actions would have been justified. There explanation is the same BS they tell other customers who have posted here. There is absolutely no justification for what they have done to me.

I am so frustrated that I am going to stop my SS direct deposits. Please forgive my grammar. I have tried my best to proofread it but as I mention above I am a brain injured patient. They probablly know that they will get away with this because of my disability and difficulties I have communicating on the phone. Thanks all for listening

Frankie
SECANE, Pennsylvania
U.S.A.