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Bank of America ECS process

Date: Thu, 11/13/2008 - 12:04
Submitted by on Thu, 11/13/2008 - 12:04
Posts: 202330
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I had some unauthorized charges clear my account. The BofA computer sent these charges back. I still filed an ACH Affidavit on these fraudulent transactions. BofA charge me 5 NSF charges for each transaction they returned. I sent the ACH affidavit back to VA process with a copy of the letter I sent this company revoking all ACH debits.

Doesn't BofA have to reverse those NSF fees?


I had to wait for the items to post to my account to file the affidavit. They posted on a Friday and I filed the claim on a Monday. The ECS guy told me that the computer was going to return the charges and that filing a claim wouldn't help me. That Monday afternoon the charges were returned, the NSF fees were assessed, the affidavit came this Monday, I returned it certified. They signed for it today. Even if the computer returned those charges, shouldn't BofA refund those NSF fees since I filed the dispute. I have the paperwork and BBB dispute I have filed about this company as my proof that I withdrew the authorization.


Submitted by on Thu, 11/13/2008 - 12:24

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