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See the debit advice above? The notice said they were debiting my account $30 but I had no idea why. It says something debiting my account $330.03 instead of $300.33. WTF? I thought the $30 was some sort of service charge but I KNEW I wasn't overdrawn.
Instead of trying to call Bank of America, I figured I'd go down to the branch where I opened my account to get this straightened out. It's not too far from work so at lunch I went down. I showed it to the teller who looked up my account and there was no record of $300.33 or $330.33, yet she kept telling me I deposited a check for one of those amounts and I knew I hadn't deposited any checks. Only my paycheck goes here and it's direct deposit and certainly more than $300.33. She just couldn't figure it out so she called the manager over. The manager spent a while with the teller and then told me to go to his office.
There he brought up my account and he and I went through all of the activity for June in my checking account and these numbers were just not there and he couldn't tell me why I was charged $30. He said he had to call the office in Texas. He called them which took about 15 minutes and they told him to call another office, I think in Minnesota. They couldn't figure it out either and suggested another phone number to call.
At this point I'd been at the bank for about an hour and I have a 30 minute lunch. (I get to take a half hour lunch and leave a half hour early) I told the manager I was on lunch and had to leave. I asked him if he could he please just waive this $30 as he could see there was no reason for it.
Answer? No. He said he couldn't credit my account until he figured out why I was charged. Really? In that instant I went from polite and patient to pissed off. "You mean you're taking $30 of my money without knowing why? So if you don't figure this out, I don't get my money?" He said he'd figure it out. I left him my office number and went to take the debit advice above and he said he wanted to keep it.
Really bitch? I don't think so. I told him I was unsatisfied with the service they gave their customers and he apologized but it wasn't really him. It's the enormous amount of red tape and bull shit such a large bank comes with.
So I get back to my office and he calls and says I cashed a petty cash check last week. Oh yeah! Somehow I'd forgotten that. They kept telling me I'd deposited a check and I knew I hadn't but I did cash a petty cash check for the office and it was for $300.33. Then he told me the teller gave me $330.33 and that's why they debited my account $30; to take it back.
Huh? I ALWAYS count the petty cash at the window when I get it and I got the right amount. He said it SAID the cashier gave me $330. I told him I'd count the petty cash and call him back. If it was in there then fine, even though I knew it wasn't.
Of course there was no extra $30 in the petty cash box. I called him back and told him and there was radio silence on the other end. I told him they had NO RIGHT to debit my account and I was pissed. I want my money back. It's not the $30 it's the principle. Could they not have called me instead of just taking my fucking money and sending me advice in the mail after the fact?
In the end, he said I'd see my money in 2-4 business days. Biatch.
I don't know if I'm over reacting but I think I'm going to close my account. I just don't like the service they provide their customers. Had I not wasted an hour and a half of my life, those rich
gangsters asses would've gotten money for nothing. I HATE paying any sort of banking fees, it's like throwing money out the window, and this was even worse if you ask me.
Either that or I'm over reacting. I dunno.