Music by Mark Oates - Film Music Blog

Dear Bank of America

February 25th 2009 2:15 PM - #50 - permanent link -

If I legitimately overdraft, then I am more than willing to pay the fee. I will be more than happy to admit my error.

However, the bank is presenting information in a way that is misleading. I keep an eye on my account and you might be able to see that I regularly log in several times a day. I use Mobile Banking on my Blackberry to check my account on the road. BUT, when the information given to me is organized in a way that provides me with misleading data, then there is little I can do to prevent overdrafts, and I learn not to trust my bank.

I understand that pending transactions will go through when they are cleared. The PROBLEM is that when transactions are pending, they are deducted off the top, not from the date when they are received.

When I have a PENDING transaction which is SHOWN TO BE DEDUCTED at a specific point on the balance sheet (from off the top) the result is an "Account Balance" that IS MISLEADING. Once the transactions have cleared, THEY ARE MOVED and then deducted on a different date, causing a different balance for the day, potentially causing overdrafts. I understand that you do "not known when" the transaction will go through, but the ACTUAL DATE OF THE TRANSACTION IS AVAILABLE IN THE DESCRIPTION and can be deducted in that place - a best case scenario.

This makes me believe that Bank of America is intentionally giving me misleading information to cause me to slip into overdrafts. This time around, it was $2.88 and $70 in fees. Last time this occurred, I was hit with $105 of cascading fees that could have been prevented with LESS THAN ONE FUCKING DOLLAR! I was watching my account that day, and I could not foresee the problem ONLY because of the way the Account Activity was presented to me.

It is hard enough to know correct information with the Account Activity's ignorant system, but it's COMPLETELY IMPOSSIBLE with the Mobile Banking.

This HAS to be changed.

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