Illegal PDLs....I am an idiot

BofA is NOT very helpful in ANY area of the imagination. I've read several other posts from other members who were customers of BofA and based on their posts this is one of the worst banks to deal with when it comes to dealing with unlicensed lenders (and everything else in my opinion lol). Anyway, you are going to need to take the bull by the horns and go into the bank armed with all the information you can get your hands on.

What I don't understand is how they can transfer money to a closed account? There's nothing to send it to! And a few days ago I cancelled any overdraft protection so money wouldn't transfer! This is so frustrating!

They are allowed to transfer funds from one account to another to cover overdrafts, past due payments, etc. It's in the fine print of the paperwork you signed when you opened the account. For instance, if you have a credit card with them and are past due, they can and WILL take the money from your B of A checking account to pay it. Your best bet is to close your account with them and open a new one at a completely different bank. Sorry.

I spent 45 minutes on the phone with someone and supposedly it should all be fixed tomorrow. We shall see....

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My personal experience with BOA is that you need to talk directly with a branch manager. I had 800.00 in overdrafts forgiven and a new account opened by the manager of a branch who also was a vice president! Do not deal with anyone like an "acting manager." By the way it took me six months before I found the right person! Telephone customer service gave me so much wrong information it was rediculous. One person said it was up to him to determine who spoke to whom and he determined that I was not allowed to speak to the fraud divison! Can you imagine!

I personally think your bank manger is the best person to guide you in this kind of situation.