Terrible Service Warning
Last month, I payed my credit card, and my current balance was $0.
However, I had autopay set up to pay my "statement balance", and BOA charged me $258.17 anyway.
So
I ended up with $258.17 credit on my account, and at the time I had 2 recent payments. My credit canceled the recent payments and came out to be $230.63.
I talked to an associate on phone, and she informed me that I am not able to stop the $258.17 payment, because that was DONE, but I am able to get the $230.63 credit back. I said fine.
However, this month, I saw this on my account:
- 05/03/2021RETURNED CHECK FEE $25.00
- 05/03/2021RETURNED PAYMENT UNPAID $258.17
They've charged me the $258.17 again + $25 returned check fee, What the Hell?!
I talked different associates, 3 managers, was told that the $258.17 was never taken out of my checking account in the first place, because of insufficient funds. And I have to pay the $25 fee.
According to them, their SYSTEM decides whether I can get the $25 waived, neither the associates nor the managers can change that.
After talking to a manager, I've found that the BOA system updates its autopay amount each MONTH. Their autopay wouldn't know whether I have payed during the month or not, it's my fault that I didn't cancel the autopay that says "Pay statement balance".
In this digital age, if you're going to update your system once per month, why don't you go back to pen and paper?
After 2 hours struggling to get $25 waived on phone and being denied,
I have accepted that it's my fault at this point.
But WAIT! After I checked my checking account, and I HAD sufficient funds! I always had $3000+ in my checking account!
I was mad, so I called again.
Ha! This time I've found that the $258.17 didn't get through, is NOT because of insufficient funds (great, the managers even didn't bother to check my payment record, to know the real reason why the payment was canceled), it's because I have requested a stop on that payment.
Yes, I had double payment, my current balance was $0, and I requested a stop on the extra $258.17, that's why I have to pay a $25 returned fee.
At the time, I was NEVER informed that putting a stop on that extra payment would result in a fee!
Plus she told me that the $258.17 was charged, there is no way to put a stop on that, I can only get the extra credit back!
Apparently the associate I've talked to didn't know either. According to the new associate, fees related to an action are NOT SHOWN on their screens! The associates won't know it until it's charged!
Funny.
I would still have to pay the $25 fee.
Submitted May 06, 2021 at 10:18PM by AKPZ5987 https://ift.tt/3h6lZ7J
