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<blockquote data-quote="vantexan" data-source="post: 5492422" data-attributes="member: 24302"><p>But we're talking about businesses on that list that supposedly operate at the highest levels of integrity, etc. Wasn't my experience when I banked with B of A but likely they operated much the same as many banks as in whatever they could get away with. A number of times when money was tight years ago if I was overdrawn by even just a slight amount instead of hitting me with a $33 overdraft fee on the one transaction they would cover that transaction and say I was overdrawn on a bunch of smaller transactions, hitting me with $33 apiece on as many as 7 transactions. And then claim innocence on this. Turned out they and other banks were doing this to their customers to the tune of billions a year in extra fees. When you're living paycheck to paycheck this hurts. The Obama administration stepped in on this and stopped it so kudos to them.</p><p></p><p>Another issue was while on vacation in Florida my debit card got skimmed and was hit with over $600 in fraudulent charges before B of A called to verify it was me in another state making the charges. They made me jump through hoops to get my money back which culminated in me pitching a loud fit in a bank manager's office to get her to relent and replace the money. I've been hit with fraudulent charges several times on my Capital One debit card and they always replace the money immediately while they investigate. If it's a legitimate claim they leave the money in your account.</p><p></p><p>Then there's traveling with a B of A card. At least when I was a customer you had to inform them if traveling and using the card elsewhere. Otherwise they shut the card down. Found that out the hard way which left me broke over a weekend and having to beg strangers to let me stay in their motel. Never an issue with Capital One including using it overseas. And they have a huge network of ATM's including overseas that there's no fee to use. </p><p></p><p>So yeah, very glad I switched. And told B of A how glad I was to be closing my account and switching.</p></blockquote><p></p>
[QUOTE="vantexan, post: 5492422, member: 24302"] But we're talking about businesses on that list that supposedly operate at the highest levels of integrity, etc. Wasn't my experience when I banked with B of A but likely they operated much the same as many banks as in whatever they could get away with. A number of times when money was tight years ago if I was overdrawn by even just a slight amount instead of hitting me with a $33 overdraft fee on the one transaction they would cover that transaction and say I was overdrawn on a bunch of smaller transactions, hitting me with $33 apiece on as many as 7 transactions. And then claim innocence on this. Turned out they and other banks were doing this to their customers to the tune of billions a year in extra fees. When you're living paycheck to paycheck this hurts. The Obama administration stepped in on this and stopped it so kudos to them. Another issue was while on vacation in Florida my debit card got skimmed and was hit with over $600 in fraudulent charges before B of A called to verify it was me in another state making the charges. They made me jump through hoops to get my money back which culminated in me pitching a loud fit in a bank manager's office to get her to relent and replace the money. I've been hit with fraudulent charges several times on my Capital One debit card and they always replace the money immediately while they investigate. If it's a legitimate claim they leave the money in your account. Then there's traveling with a B of A card. At least when I was a customer you had to inform them if traveling and using the card elsewhere. Otherwise they shut the card down. Found that out the hard way which left me broke over a weekend and having to beg strangers to let me stay in their motel. Never an issue with Capital One including using it overseas. And they have a huge network of ATM's including overseas that there's no fee to use. So yeah, very glad I switched. And told B of A how glad I was to be closing my account and switching. [/QUOTE]
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