I understand returned payment fees for checks, but I’ve never been charged for having a credit card decline.
Stupid of me to sign up for auto-payment when I use my credit card for gas, I guess.
this post was submitted on 15 Apr 2025
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Mildly Infuriating
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Here's my "Fuck BofA" story. A long time ago now, I was really tight on cash on a Friday and needed a few things before my next paycheck on Wednesday. I knew how much money I had in my account, and knew what I could afford, and what I couldn't afford. I couldn't afford the gas for my car if I bought my groceries and paid a few other bills, which meant that I would just overdraft the card for the gas. I'd be about $10 short of filling up the tank, so I was okay with paying the $35 overdraft fee for the gas, because I needed it to get to work. I did the math, and I'd be roughly -$50 when it was all said and done.
Come Monday, I find that I'm at -$500. I look at my account history, and I see that BofA reorganized all my transactions from the weekend, processing them from largest to smallest. So instead of ONE large purchase overdrafting my account and accruing a single overdraft fee, they hit me with like 6 overdraft fees because of all of the smaller, ~$5 purchases I had made that weekend.
I fought with them for months, telling them that I'd pay the single overdraft fee if they agree to charge me based on the timeline in which I actually made the purchases, but they refused to budge, and eventually closed down the account, and also blacklisted me from opening an account with any major bank again.
The next year, a law was passed that made it so they can't do that anymore. But the law didn't make them pay back anybody that they already fucked over.
We too were victims of the BoA shuffle which maximized what fee they'd hit us with. Was one of many reasons why we said goodbye and joined a credit union.
I knew exactly what your story was going to be about by the end of the first sentence. It's so common that it's immediately predictable. Fuck BofA and their bullshit.
A lot of banks like to do that biggest to smallest it seems. The one I asked about it gave an excuse of 'the bigger payments are probably things like rent or car payments and we wouldn't want THOSE to bounce since there was some hard cutoff to the amount they let you overdraw. Nonsense of course, but that was the line given.
It’s your responsibility to manage your finances, not theirs. It’s bullshit that they’d even consider any method of processing payments other than first come, first served.
Yeah, but consider it as a holdover from when people used to pay with these things called checks (cheques) that would only have a date not an exact time stamp and instant electronic processing. The bank would receive a stack of them you paid on Saturday, but they wouldn't know when exactly.
It was still nonsense that would cause as many overdraft fees as possible to punish the poor, but they didn't have a way to say who was truly first.