I am so DONE of BofA.

So, I posted the other day about how I overdrew my checking account. Anyway, my $100 autotransfer from my ING account posted yesterday, so I was positive again. I needed cash for lunch, so I went to the bank. I took out some cash, and I asked the teller (my friend, L) if there was going to be any overdraft charges, because I was unsure of the timing of the transactions. She said that there were no charges, because my account never went negative. GREAT! Nothing to worry about, right?

Anyway, later that afternoon, I went for a snack run and I used my debit card, because I wanted the cash on hand for lunch. I have money; there's no problem.

Today, I get in to work and check my email, and there's my daily balance email. -$32! What the hell?? So, I logged in to online banking, and sure enough, there were two $35 overdraft fees from yesterday. And looking at my balance over time on the website, my account never went negative! So, I printed out the transaction listing and such and marched down to the bank, fuming.

I went to the teller (my friend, B) who I hope to god can tell me what's going on, so I don't have to deal with the stupid bosses (E & D). Anyway, B tells me that I'm going to have to talk to E to figure this out. GROAN!

I show E my printout and ask her what's up. She says "Have you overdrawn your account before?" What the hell does that have to do with today? Yes. I have, but not for a long time. I've been good. She looks at my sheet and says "Here, your balance is negative." She's pointing at a transaction for -$5.30. I point out that she's looking at the transaction amount and show her the balance column. By now, we've made it back to her desk, and she looks more at the sheet. And says, "Oh I see what's going on."

She tells me nothing. Anyway, this is getting long. She looks me up in the computer, and she can't find anything that's not on the paper I have. Meanwhile, my friend, L, come out, because she recognized my voice. And the two of them look through the computer. Then, the big boss (D) comes out and joins us. Oh my god! All I want to know is what's going on with my account!

L explains that I was there yesterday and she said that there was money there. And D says, "No, you can't do that. You NEVER tell a customer their balance." WTF? Why not? Her explanation is that there could be pending transactions that aren't on the screeen, and L says that the screen on my computer is the same screen that we're looking at now. And that's the balance she told me. And D, reiterates that there could be outstanding transactions that don't show up. UGH.

All the while about ever 5 minutes, E or D ask me, "Do you write things down?" Um. Yes. IF I KNEW WHY I HAD THESE FEES, I WOULD NOT BE AT THIS SHITTY BANK!

Anyway, the long and the short of it is this. When you use your debit card, the bank puts the money on hold. If you keep taking out money, the holds queue up. Well, all my transactions from the weekend, queued up BEFORE my auto-transfer for Monday. So, Monday NIGHT (why they clear at night and not in the morning is beyond me) when they cleared, I was overdrawn for that INSTANT between the transactions. Thus, fees were assessed. HOWEVER, fees take two days or so to appear! So, L didn't see any fees when I asked her yesterday.

So, I'll admit that according to these backasswards rules, the overdrafts are my fault, and I'll accept any fees. I just wanted to go to the bank to figure out what happened, because I never saw an actual negative balance.

Anyway, then a huge argument between L and D erupted. L said that they should credit the fees, because it was her fault that I used my debit card yesterday, because she told me that I had money (because the computer told her I did). D said that she's not responsible, and I have to pay the fees. Anyway, I was so pissed at the end of this, I just gathered up the papers and said that I had to get back to work. I was so tired of being talked down to and yelled around. D says to me that she'll put $35 in my account. And I said "Thanks, that'll put me positive today, but I'm still going to get fees for yesterday's transactions that are now overdrawn because of today's fees." And I just stormed out. I told my teller friend, B, that I was **this close** to closing my account and that I hated BofA and that the only reason that I still had it was because the bank is in the hospital and it's convenient. She smiled and said that she understood.

So, I get back to lab, and I check my balance again online. And there's a $70 "counter credit", which I think is from when E tried to refund the fees in the beginning that didn't work. I grab my phone to text L and ask what's up. And there's a text from her saying that D put $70 in my account. I thank her, and she replies that she cried and pleaded with her and that's why. God, I love her.

Anyway, over the course of the day I started looking around for new banks. I talked to coworkers and friends online. I still haven't made up my mind completely OTHER than, I don't want any BofA accounts any more. NOT because of them charging fees that I "deserve", but because of their shitty/non-existent customer service. I'm not stupid, and I don't like people treating me like I am. Even L told me later that she didn't even understand what was going on in my account, and she said that E and D talk to all the customers like that. WTF? How do these people stay in business?

Unfortunately, it's the end of the month, so I can't change anything until after I'm sure that I get paid my direct deposit. But come September, I'm so breaking up with BofA.

Anyone have any suggestions? It seems from talking to people I know that ING and Wachovia are pretty good.