BofA Charged returned CHECK FEE/PAYMENT??

[JetOneTV]

Hello, Just wanted to see if this ever happend to anyone else, trying to deal with it now.

I've already been in contact with both Ally and BofA.

I've called BofA 1st and basically "Supervisor" stated "I'm not refunding that fee". He told me to contact Ally Bank on why it was cancelled.

I've did this but Ally has no record of BofA ever touching the account at all???

What is the best course of action? Do I get a police report for basically a form of thiefing/theft from BofA?

[frugal47374]

Have you used that Ally account to pay your Bank of America bill before?  (Just wondering if it's possible the account number you told them was incorrect.)

But, to answer your question.

I don't think a police report is the way to go.  (I'm guessing the police would tell you that.)

When I had a dispute between two banks, I felt a little comforted that I could contact the Consumer Financial Protection Bureau to file a complaint.  It never came to that (after a month one bank admitted an error had been made and I got my money back) but that might be the way to go.

Have never done it so others here may have a better idea.

[JetOneTV]

And that is exactly what the supervisor said but I was like why would the account number be wrong if they already took out $776.07 from the same account that is setup in their bill payment system.

04/02/2020 RETURNED CHECK FEE - $25.00

04/02/2020 RETURNED PAYMENT UNPAID - $25.00

03/30/2020 BA ELECTRONIC PAYMENT -$776.07 (This was paid with the same account as the $25.00.)

03/30/2020 BA ELECTRONIC PAYMENT -$25.00

Apparently there was nothing wrong with the $776.07 but BofA said that "Ally" issued a stop check/payment, called ally they said there isn't even a transaction about it on there end.

(By the way the ALLY BANK account has been on there for years now, I've moved checking accounts when bank of america started charging $12 fee and removing the eBanking accounts.)

I've never had a returned check before at all, and honestly at 1st I didn't even know what it was so I immediately called BofA customer service and it was just hours dealing with them to no help at all.

[Anonymous]

Not knowing the exact particulars regarding this, I don't really know how it could feasibly happen if there's been no issue in the past etc. 

Unfortunately by agreeing to their T&C to have their accounts, were pretty much at their mercy on how transactions are done. However, since Computers are never wrong it must mean Human error at some point in the process. Right? IDK

Given how underhanded some FI's have proven to be, as per some recent articles. I definitely wouldn't put it past them to "artificially create fees" to help their bottom line. 

If you're sure that it was no fault of yours, I would pursue as stated above.  

[VPExecutive]

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@JetOneTV wrote:

Hello, Just wanted to see if this ever happend to anyone else, trying to deal with it now.

I've already been in contact with both Ally and BofA.

I've called BofA 1st and basically "Supervisor" stated "I'm not refunding that fee". He told me to contact Ally Bank on why it was cancelled.

I've did this but Ally has no record of BofA ever touching the account at all???

What is the best course of action? Do I get a police report for basically a form of thiefing/theft from BofA?

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A good reason why I want to consolidate all my accounts into one, and not with BoA, but a bank that cares a little more about their customers/members. 

[outofcredit]

Not sure if this is relevant but I do know BOA will process any payment that is scheduled thru their billpay system regardless of any additional payment you may make.  By that I mean, for example, if your account is set up on to autopay the minimun amount due of $25,  it will process regardless of any other payment you may make that actually pays the account in full.  I have had this happen before where I have paid the account in full on the due date but BOA still submits the autopay of $25 minimun payment.  Usually resulting in a credit balance.  Not sure if that applies here but thought I'd share in case that's what happened.  If you aren't expecting the autopay to still process it can certainly cause an overdraft.

[JetOneTV]

Sent email to CEO got call back, even though they stated they would not remove the fee, she did so anyways.

[AllZero]

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@JetOneTV wrote:

Sent email to CEO got call back, even though they stated they would not remove the fee, she did so anyways.

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Congratulations on your success!

[VPExecutive]

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@JetOneTV wrote:

Sent email to CEO got call back, even though they stated they would not remove the fee, she did so anyways.

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The email was most likely re-routed to a manager.