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i had a very bad month in july. I am late on all my bills. And to top it off, I have paid almost 1500 in overdraftfees!!!!!!!!!!!
I found some great info on this board regarding who to contact in getting them reversed. But should i write a letter to the ceo of Bankof america, or call the Exectuive Customer relations line first ?
Also what should i say to plead my case?
thanks in advance




Did you not have the funds in your account at the time that they tried to clear? I don't see how you would plead your case if those funds weren't in there. Were some of your deposits held back until they cleared? If so they should have notified you of this before hand. Others will be along to advise further. I just don't know what your defense would be :roll:

Sub: #1 posted on Sat, 08/16/2008 - 22:56

ladybug ladybug

(Posts: 2757 | Credits: 282.45)

How long have you banked with B of A? Have you ever had any overdrafts in the past? What caused you to become overdrawn this time?

If you can provide a few more details, someone might be able to help you with the best way to proceed.

Sub: #2 posted on Sun, 08/17/2008 - 01:23

alias1958 alias1958

(Posts: 1230 | Credits: 79.88)

I really don't think that headquarters or the CEO can help you in your situation. Technically it was your fault the account went negative correct?

Sub: #3 posted on Sun, 08/17/2008 - 18:06

Mary Adkins Matthews Mary Adkins Matthews
Moderators Cum Industry Expert
(Posts: 755 | Credits: 146.74)

hey, right now i am having a similar problem (two bounced checks). it was my first time ever and i have banked with the same bank for awhile now. i asked for the manager and they did take off one of NSFs. i had a payment automatically taken out of my account (i cancelled auto-pay for utilites but was late for the cycle to cancel and did not know so the payment came out and bounced two checks, i was so embarrsed but the bills have to be paid!) because it was my first time, they did waive the fee. maybe your bank could waive at least one? when i was in my payday loan days, i had a lot owed with PNC and they helped me a bit with fees, too. that said, they might not help you (they don't really have to..) but it's worth a try.

Sub: #4 posted on Mon, 08/18/2008 - 20:06

bea2ls bea2ls
Moderators
(Posts: 3840 | Credits: 370.56)

I would write
CEO of Bank of America
Kenneth Lewis
Bank of America Corporate Center
100 N Tryon St., 18th Floor
Charlotte, NC 28255 USA

IT worked well for me and he had a very nice lady work with me
Maloney Link 813-882-1109

Sub: #5 posted on Tue, 08/19/2008 - 20:31

billyg35 billyg35

(Posts: 31 | Credits: 5.65)

I do realize this is my fault ... but this snowball effect had happened. I am negative again because everytime i make a deposit it goes to making my account positive and then bills bounce ...so now im about 2 months behind and in the neg !

Can you give me like a sample letter to send ...im not sure what to say ....but i feel suffocated and hopeless right now ... I the past i had a few overdrafts here and there but nothing likethis EVER

Sub: #6 posted on Wed, 08/20/2008 - 23:19

Unregistered


I told him the hardship my family was having :cry:

How long i was a customer
How great BofA is 8)
Also had a student loan with them..
Just asked for a some help with the NSF fees :rose:


hope this helps

Sub: #7 posted on Thu, 08/21/2008 - 01:00

billyg35 billyg35

(Posts: 31 | Credits: 5.65)

Ok i printed out my statements from july and August. I plan on going to the branch manager tommorow morning I figure I should start there first. In total from 7/8/08 to now i was hit with 50 NSFs !! What should I say to him when i meet with him. If he cant help me I will write that Kenneth Lewis gentleman.

Sub: #8 posted on Thu, 08/21/2008 - 22:14

Unregistered


We did not have a branch near by until the buy out of LaSalle Bank(I live in Michigan)..
The branches have been very helpful on other matters
Let us know how it goes with the branch!!!
:!:

By the way I did get $1120.00 reversed!!

Sub: #9 posted on Thu, 08/21/2008 - 22:26

billyg35 billyg35

(Posts: 31 | Credits: 5.65)

Thanks Billy !! I am soooo nervous to go to the bank tommorow !

Sub: #10 posted on Thu, 08/21/2008 - 22:39

Unregistered


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