I cannot stand B of A. They may be my bank but they are trying to balance their bad mortgage loans on the backs of their poorest consumers. In addition to reordering how they do their debits, they have now instituted the practice of charging overdraft fees on pending items. Items that haven't been paid and may drop off for any reason, such as they aren't authorized. But that doesn't stop them from charging you a fee even if they haven't paid it.
My Netflix was due yesterday and I went to put money in the bank before the day was over. I'm living really close to the bone while I wait for the state to get its act together. This morning I check my balance and discovered three overdraft charges for items that weren't overdrawn, they were pending and the money was in the bank before they cleared. This is $105 that they won't give me back and has left me with the grand total of $35.82 until the third of September or the state sends me another check. Whichever comes first. And even though there was enough money in my account, they didn't pay Netflix. The last entertainment mom and I had is in the process of being canceled.
I have no gas in the car, very little food (why did Shadow have to dig up my peas and green beans?) in the fridge, (we won't even talk about the rent I can't pay) and absolutely no possibility of ever getting my finances in order because no matter what I do, Bank of America keeps instituting new fees and new ways to take my money, even when I have done nothing wrong. I guess you are supposed to keep a minimum of $1000 in the account to protect yourself from their thievery and that isn't the type of account I signed up for. If I had a $1000 I wouldn't be suffering as much and mom and I wouldn't be on the verge of being homeless.
Plus, they are paying .050% on savings, down from the 3% when I opened the account. Why keep money in a savings account that doesn't pay? Why keep money in this bank at all? Did you know that their Keep the Change scam takes the money out of your checking account at the end of the day but doesn't transfer it to your savings account for another 24 hours? They are using your money for a whole day to make money for the bank and calling it a savings plan. Yeah, for them.
The economy in the Bay Area is so bad that they didn't even have to turn on the metering lights on the Bay Bridge this morning. It isn't a holiday, but people have no jobs to go to. I can't find a job that lets me work from home so I can keep an eye on mom, who has taken to removing items of clothing in public and is rapidly forgetting how to walk or eat properly, but I can't afford to put her in a home and she is still too aware to be in a place that you go to die.
I'm tired, depressed, stressed and I hate Bank of America with a purple effing passion. I hope they go under and all their executives go to jail for fraud. As if that would happen with Bush and his cronies in power. I think I'll start using a check cashing service and keep my money in a mattress because the fees would actually be less.
Bank of America really sucks. And I hate them.
I really hate them.