Comments on: Bank of America Overdraft Fee Refund

By: Matt H

Matt H — Thu, 29 Dec 2011 14:38:46 +0000

Does this really worked??? i recieved some unfair overdraft fees lately and I was trying to get them refunded

By: Louis

Louis — Fri, 16 Dec 2011 12:36:17 +0000

I just had an online chat with them, got 4 overdraft fees due to automatic paypal deductions.

WONDERFUL helpful agent Patty refunded me.

To take into account:

1. I am a long time customer
2. I maintain a medium balance
3. I have savings and checking
4. I accepted fault and was polite.

They refunded me $140.

So I think being reasonable goes a long way.

By: andree

andree — Tue, 25 Oct 2011 21:33:07 +0000

Bank of america just charge 12$ fees on our account for a check that our tenant’s bank credited on our account by mistake and canceled right away. I called bank of america 2x to explain to them what happened no success. I online chat with boa no success.

So I end up having to pay 12$ fee for something that I wasn’t aware off or even asked for..

After 12 years with this bank (we have all of our savings, checkings our mortgages everything…), no need to tell you we’ll close all of our accounts and transfer our mortgage somewhere else.

The problem is… which bank to choose ?

By: KYLE

KYLE — Fri, 14 Oct 2011 18:37:27 +0000

Wow… I’m going through the mortgage process, and my heart dropped when it came to printing out my last 3 months statements. 5 overdraft fees, $35 each (as so many of us know). I have been freaking out to say the least.. I didn’t want this to ruin the chances of my wife and I buying our first home together.

Needless to say… I randomly did a search on google and found this blog. Long story short… the phone # worked for me too!!! I can NOT believe it. This has totally made my day. Thank you so much for providing us with some real hope in this helpless world of financial stress.

By: Grace

Grace — Fri, 16 Sep 2011 00:38:51 +0000

My mom had a ROUGH time telling and telling this person that it was NOT HER FAULT that a machine was “Out of order” and it wasn’t annnyways she got through to this (like she said) wonderful women that was not high temper like the other women and she was so nice that after they were done talking she said:”God bless you” and my mom said:”God bless you too have a GREAT night!!!! ” Soooo as you can see Bank Of America is a WONDERFUL place!!!!

By: Doris

Doris — Fri, 16 Sep 2011 00:30:30 +0000

THANK YOU SO MUCH!!!! I too called the 704 number and spoke to a wonderful employee that restored my faith in Bank of America!! I had an awful time talking to what is supposed to be “customer service” even got the manager there and was denied with a smile on her face. I had explained that it was my mistake but that I did not understand the policy on deposits (which was true!!) but she kept telling me there was nothing she could do and noone else I could talk to. thanks to you, I got my $245 back!! This Executive office employee was just DIVINE!!! Super sweet and educated me prior to my refund!! THANK YOU BANK OF AMERICA!!!!

By: boa-nomore

boa-nomore — Mon, 20 Jun 2011 16:50:26 +0000

I want to share my experience with BOA and overdraft fees, after several attempts to deal with the overdraft fees on my own I had no success. I made several small payment in the debt but it was eventually closed by BOA. then I found this site and talked to a very nice lady that was not able to help me because my account was closed and sent to collections. It was a step to get my fees addressed but I was not successful. The great thing with the America is that you have SOOO many other options to bank and that’s what I’ll do.

This site was a great resource and I’m very happy others have been able to address whatever issues they had with overdraft fees. Thank you to the poster of this site. Now if someone could give me some tips on how to clear up this debt with the BOA 3rd party collections, to not reflex on credit scores I would appreciate it.

” Take charge of you financial life and only buy what you can afford” famous scholar TampaT

By: Anasi

Anasi — Mon, 04 Apr 2011 15:30:51 +0000

Ditto, was charged $105 for being overdrawn by $0.02 and $14 , the customer service couldnt help, so I found this site. Called the 704 number and they were very helpful. Refunded back all of it. One happy customer !

By: Analisa

Analisa — Tue, 21 Dec 2010 00:05:24 +0000

I was a skeptic too until i called the 704 number. Spoke to a very nice employee and 10 minutes later bammm!! refunded all 8 overdraft fees. I almost cried

By: Snehal H.Rana

Snehal H.Rana — Wed, 01 Dec 2010 22:54:24 +0000

Thank you !! Thank you !! Thank you !! God bless you. We had similar issue. I had 14 overdraft fees totalling to $520. The person at (704)386-5687 was extremely nice and took care of 9 out of 14 charges. That brings down my damage. Love BOA.

By: Jo

Jo — Wed, 03 Nov 2010 23:25:42 +0000

I tried to call the number, Executive Customer Relations general line: 704-386-5687. The lady on the other line was very nice. I explained the reason why I overdrew the acct. I also said that I’ve tried to call the regular customer service number, but the reps couldn’t help me.
The lady gave me like 10 minutes lectures on how to manage money/acct, but she refunded all my overdraft fees $100+ dollars It’s totally worth it….

By: Chris P.

Chris P. — Tue, 26 Oct 2010 09:14:11 +0000

Yestrday I called customer service 1.800., calmly explained what happend that I overdrew checking account by mistake and that’s it. Overdraft fee has beed credited back. Earlier I tried to solve the problem on the chat, but they wasn’t eager to help me.

By: Aryana

Aryana — Fri, 15 Oct 2010 18:32:48 +0000

That corporate number isn’t helpful…. I spoke to Dulcia. I told her I had been a customer for years, I have a savings, checking, business, mortgage and a trust account with Bank of America and she still would not refund me the $35 overdraft fee!!!!! They are also charging me account fees which I was told I would not get with free checking!

By: daniel schaeffer

daniel schaeffer — Fri, 17 Sep 2010 03:11:18 +0000

with all fairness to BOC, I don’t think that they are thugs. Afterall they are a business and they have to do things to deter people from overdrafting in order to stay in business. I am very greatful that they refunded my money. I have been with BOC for almost 6 years and I am a very satisfied customer.

By: Maddy

Maddy — Wed, 11 Aug 2010 21:40:42 +0000

Thank U very very much…This really worked for me and I am so happy right now. I appreciate your patience to post this article and I want to really thank U from bottom of my Heart.

By: Janice

Janice — Fri, 06 Aug 2010 02:02:59 +0000

Bank of America are thugs and it’s impossible to have any kind of dialogue with them. They will charge you overdraft fees even after you DROP OUT of overdraft protection!

They will tell you that there’s another “fee” if you don’t pay back when you spend more than what you have (which could not ever happen when you drop out of overdraft, because once you’re out of overdraft protection, the card is supposed to DENY the purchase!!! )

Don’t even bother with those bastards. Try once to resolve the issue, but once they bullshit you (which they will) just send a complaint through this site:

http://www.helpwithmybank.gov/.....index.html

I got every penny back, and this was after I spoke to about 20 bank associates. I showed them their own literature through sites that spelled out their own new policies regarding overdrafts, which forced them to return a couple of overdrafts (which they had previously refused.)

The employees themselves don’t know what the bank publishes online for customers, YOU need to educate them so that they return your money!!

So just go here http://www.helpwithmybank.gov/.....index.html

You will get your money back in less than 72 hours.

By: wow

wow — Wed, 04 Aug 2010 17:54:17 +0000

i just got off the phone with the ceo customer advocate dept and got all 4 fees refunded..i was only asking for 3. i spoke with 2 supervisors and 2 customer service reps before hand. thank u thank u thank u
for this website! i cannot thank you enough!~
god bless!

By: Unbelievable

Unbelievable — Wed, 28 Jul 2010 18:01:05 +0000

Jose’ at customer service was an awesome miracle worker. I made a mistake and didn’t realize I was overdrawn; he understood and immediately worked to make this error disappear. He was unbelievably courteous and seemed to know exactly why I was calling, taking time to talk to me about my account and even praising me for my (up until now) great performance on my checking account. We worked everything out and he immediately credited my account for all fees; half today, half tomorrow. THIS REALLY WORKS! DO NOT HESITATE! It seems weirdly easy, but it definitely works. HALLELUJIAH!

By: Bev

Bev — Wed, 28 Jul 2010 16:13:22 +0000

I’m pleasantly surprised and SO glad I fount this article. Being a part-time worker and grad student I was surprised to find 7 overdraft fees on my account. I have never had an overdraft fee. I called the Executive Customer Relations line and after a firm conversation the fees were all refunded as a courtesy. Wow! How great that was! Also, note that there is a new law in effect Aug 15th concerning overdraft fees. You can set up with your bank to offer a decline on transactions when you do not have enough in your account. Basically you have to authorize the fee, however this is something you have to sign up for (of course). I think it is worth it if you want a little more control over your accounts.

By: Laquanda

Laquanda — Mon, 19 Jul 2010 14:07:10 +0000

It does work , I made an honest mistake, and the CEO himself after I explain my circumstances, refunded the fee as a courteosy

By: daniel

daniel — Thu, 15 Jul 2010 15:34:39 +0000

I called the CEO’s office office and got my $70 overdraft fee waved when customer service said no! Bank of America rules!

By: Mike

Mike — Tue, 13 Jul 2010 21:29:12 +0000

WOW!! I got hit with 4 overdraft fees ($35 each) last week, I put $200 into my account, next day I got hit with another 2 overdraft fee ($35 each, again). I spent countless hours trying to get someone to remove t he fees for me but to no avail. Today, I woke up and saw another 3 overdraft fees ($35 each of course) …. I was skeptical when reading this page about the executive customer service number and them being able to assist more than the regular reps. Boy was I wrong… I called them, was given a 10 minute session on how to manage my account and my checking balance properly (very helpful) and then I was refunded ALL of my fees. THANK YOU!!! I CAN NOW PAY MY RENT!!

By: WHATARELIEF

WHATARELIEF — Fri, 09 Jul 2010 12:38:24 +0000

Thank you!!! I followed the advice above and made the call. I didnt really believe it would work but I took the chance.
It worked!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! They looked up my account and talked with me about how to manage fees. Then returned all the overdraft fees. WOW!!! Thank you so much for your posts and the information. It was pricesless….

By: Toni

Toni — Sun, 27 Jun 2010 19:25:02 +0000

I was a personal banker for BOA and when I left they implemented a system where all they do is enter your request for a refund and the system will tell them whether or not they can issue a refund. If the system say no then a BCM (banking center manager) will have to override the system to issue a refund. The BC then may take a hit if there have been too many overrides when it comes down to quarterly bonuses. It’s unfair but the employees are now held at the same level as the customer. There were times I wanted to credit someone and the system said no and I would ask my boss and she would say “what did the system say?” and of course she would say no because she didn’t want it to effect our numbers for our quarterly bonuses. The best bet is to ask and if denied escalate. I just stopped using my check card only use it for gas and I don’t have issues. Bill Pay online will show you your available balance before you schedule your bills and will only take it out when you schedule it. If you monitor your account and rarely use the check card, the banks can’t make money off of you. I haven’t had a fee in years. Just take out what you need in cash and use the bank like a glorified mattress

By: In Virginia

In Virginia — Wed, 16 Jun 2010 15:37:30 +0000

I had a rent check paid in early by mistake and subsequently was charged 5 x $35.00 in OD fees = $175 for a total of $69.00 in debit card and check payments. As we are on a low income this was 1/4 of our pay packet, and something we would never be able to recover from.

I chatted to customer service online for 1.5hrs being transferred and talking to 3 different people. The best they said they could do was $35.00, I pleaded for 1 hour stating that we would not be able to pay our bills due to this accident. I wasn’t looking for BOA to be social services just to help a loyal customer of 5 years who has everything with BOA.

They refused. I then found this blog through Google and called the executive office. The lady who answered was so kind. She examined my account, gave me tips on how to avoid this in the future, including things that I was not aware of, after spending 30mins with me and being thoroughly lovely and helpful she credited back all of the fees. This was a fantastic experience of customer service and the sort of thing (the helpfulness not the refund) that one should surely receive from regular customer service.

I come from a country where banking is very heavily regulated and a consumer managed to get the industry to change it’s fee’s because it was deemed by the EU to be excessive to charge this much money for a check they never paid and an automated letter that at most costs $1.00 to produce and mail.

One day I hope that consumers in America receive these sort of logical rights.

My lesson from all of this is, as a low income family, I can not afford to risk this again so I will more than likely switch to a federal credit union.