Complaint #1708364 submitted on 12/19/2015 relating to Bank of America. Complaint relates to Bank account or service Checking account - Problems caused by my funds being low .
Complaint was submitted via Web and sent to the company on Saturday 19th December 2015.
On Friday, XXXX XXXX, I logged in to my Bank of America Mobile Banking app to check my balance. A XXXX transaction had posted earlier in the day, leaving my account with a negative balance of - {$3.00}. I had {$4.00} transferred to the account to re-establish a positive balance. Later in the day, unbeknownst to me, another transaction posted ( perhaps a tip at a restaurant? But I really have no I idea ) leaving me with a negative balance of - {$2.00}. I was not notified that my account had overdrafted, and I did not discover this until XXXX on XXXX XXXX, too late to put {$2.00} in my account. I was provided with no notice of the overdraft, even though the Bank claims to provide courtesy balance alerts of their own initiative. So, I was charged a {$35.00} overdraft fee. I called customer service, where I was treated rudely and impersonally. I asked for a refund on the fee, which they did not provide, even though I acted in good faith to maintain a positive balance. It has been my experience that transactions with Bank of America post after XXXX, and I am confused about the timing of this transaction, and upset that I was charged the fee, when I could have easily funded the account had I been notified of the situation.
| Company | Bank of America |
| Complaint ID | 1708364 |
| Date Received | 12/19/2015 |
| Product | Bank account or service Checking account |
| Issue | Problems caused by my funds being low |
| State/ZIP Code | CA 921XX |
| Consumer Consent | Consent provided |
| Company Public Response | Company chooses not to provide a public response |
| Company Response To Customer | Closed with monetary relief |
| Submitted | Web 12/19/2015 |
| Result | Timely Response: Yes, Consumer Disputed: No |
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