Complaint Review: Bank Of America - Browns Mills New Jersey

Sorry to disappoint you all who are so pro-BOA but once again I Think I Know--does not know. The boss account was cleared by BOA before he paid my husband and his bills. He then gave us our check which we deposited. It cleared our account about two days later is when they realized they should have waited a couple more days on the bosses check before they should have cleared it. So they took his funds back causing the effect it did. So sorry to disappoint you but BOA realized that their Teller credited too soon and it WAS THEIR FAULT SO THEY HAD TO PAY ALL THE FEES BACK FOR OVERDRAFTING OUR ACCOUNT AS WELL AS THE BOSSES. So before you assume anything you better get all the facts because once again you're wrong. BOA was at fault and they had to pay it all back because of that. So please jump off the band wagon because if they were so great they would not be here.

when you typed that your husbands check didn't clear and that your husbands Bosses check did. Now that I understand what you had said, you now have to go back to the person who gave you the check in the first place and get the fee's from them, since it was THEIR check that caused the fees. Or is it that the OTHER BOA customer gave your husbands boss a check, he depostied it, and the boss then wrote out your husbands check before the other check had cleared. Either way you have to go back to the person who gave YOU the check in the first place and go after them for the fees. And next time when you make a deposit with a check that is drawn on BOA ask them to either cash it first and deposit it as cash or put a hold on the check. That way you will make sure that the funds will be there for that check. Good luck and let us know what happens.

The standard bank reply is "the check is good AT THIS TIME". That doesn't mean the funds will be there when the check hits the bank. Why is it that all these people think that it's the bank's fault when they rely on a check that isn't good? Yes, they relied on the check being good and didn't do anything wrong but if the boss relied on a check and it wasn't any good, who left holding the bag? The bank.

IF BOA said the funds would clear and gave immediate credit to the OP's account, then BOA should return ALL fees. I had the EXACT same thing happen to me at Wachovia. I deposited a Wachovia check for 10K, asked the teller if there were funds in the other account to cover it, they said yes. The next day they withdrew the money from my account because they thought there was a problem in the other guy's account... long story short, not only did Wachovia refund me all the bank fees for this problem, they also paid all the outside fees associated with this incident, including a late fee and NSF from a credit card payment to another creditor.

Sorry to disappoint you but if you would have read my story clearly I said that the check I recieved was from another BOA customer from their account so it was all internal with BOA that's why they finally had to give me back all my fees but as of yet have not given back the fees I had to pay out to the others who they returned the checks. So please don't assume you know when you really don't. It was all BOA and they had to fix their mess up eventually.

I think I know what they did, correct me if I'm wrong, You deposited your husbands check into your account and the teller said that the check had enough money in the account AT THAT TIME. But when the checks tried to clear your boss's account there wasn't enough funds. Am I correct up to this point? And then BOA took the money BACK OUT of your account which caused you to have checks being returned for being insufficant. And they inturn charged your account for the returned check and all of the overdrafts. BOA is totaly within their right to do this. What you need to do is go to the company that gave you the check and get reimbursed for ALL of the feeS that you got. Thats all you can do.

What they did is not legal, and you would be well within your rights to prusue them for the rest of your fees, although probably not worth the aggravation. What they did was try to cover their losses out of your pocket. I suspect it was done at a branch level by someone who thought they could get away with it. About the only thing you could do to protect yourself against this happening in the future, is to cash the paycheck, then deposit the cash. Legally this would cover you, but still not protect you from an unethical employee trying to cover their own butt.