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Bank Of America Class Action Lawsuit

Blogs > Deleted User 3420
Post a Reply
1 2 Next All
Deleted User 3420
Profile Blog Joined May 2003
24492 Posts
Last Edited: 2011-07-12 22:14:27
July 12 2011 22:07 GMT
#1
I just got a post card in the mail about a Class Action Lawsuit against Bank of America. The lawsuit is in regards to people who had a checking or savings account with them and used a debit card.

Bank of America used really shady practices for people who withdrew from their accounts with debit cards. What they did is instead of posting transactions in correct time frame by date, they posted transactions in order from highest withdrawal to lowest withdraw.

Because of this, if your account was say, $1000. And then you withdrew $200, then $300, then $500 and then $1000 - you would get 3 overdraft fees instead of 1.


Now as a poker player this actually screwed me over multiple times, especially in conjunction with this thing bank of america did where for some reason they would say that my check had cleared and update my account balance online but not actually put the money in my account. Then I would withdraw money that made me overdraft because the money from my check always took 10 million years to get the money into my account.


These 2 things in conjunction actually ended up costing me hundreds and hundreds of dollars, because for a while I had to pay bills and I would be cutting it really close on how much money I had in my account, and then Bank of America would fuck me over and overdraft fees would add up like mad and I'd have no way to pay back my negative account. Sometimes I'd know I was probably going to get 1 overdraft fee and prepare for it but then because of what this class action lawsuit is about I would get 3 or even 4 overdraft fees and it put me in deep shit financially.


So, long story short, fuck bank of america, I am definitely joining this Class Action. It sounds like I might get $50-$100 out of it or something.

Well, actually, according to the postcard - I am already included in it. I don't even have to do anything. Cool.

*****
Z3kk
Profile Blog Joined December 2009
4099 Posts
July 12 2011 22:10 GMT
#2
Wow, that really is pretty dang shady. I hope they lose the lawsuit
Failure is not falling down over and over again. Failure is refusing to get back up.
Deleted User 3420
Profile Blog Joined May 2003
24492 Posts
Last Edited: 2011-07-12 22:13:15
July 12 2011 22:11 GMT
#3
On July 13 2011 07:10 Z3kk wrote:
Wow, that really is pretty dang shady. I hope they lose the lawsuit


They already did, they agreed to settle for 410 million.

Oh but it sounds like the class action haven't decided on whether or not they want to take the settlement.
DomiNater
Profile Blog Joined September 2010
United States527 Posts
Last Edited: 2011-07-12 22:12:54
July 12 2011 22:11 GMT
#4
Fuck BofA.

Bunch of low-life scums. I hope you get at least some money out of it, although I'm sure it could take years knowing our court system.
After I captured the elephant in the room, swept her under the rug for the hell of it... I welcome you to the melting through, of a planet that was selfish in its development of a healthy view.
VTArlock
Profile Blog Joined December 2009
United States1763 Posts
July 12 2011 22:13 GMT
#5
Holy shit, talk about shady business. Personally I use Wells Fargo, but I used to use BofA. I hope people find more flaws in society like this one. I hate to say it but its things like that that keep the rich getting richer and the poor getting poorer.
Why?
Z3kk
Profile Blog Joined December 2009
4099 Posts
Last Edited: 2011-07-12 22:22:53
July 12 2011 22:13 GMT
#6
On July 13 2011 07:11 travis wrote:
Show nested quote +
On July 13 2011 07:10 Z3kk wrote:
Wow, that really is pretty dang shady. I hope they lose the lawsuit


They already did, they agreed to settle for 410 million


Oh I see. Only 50-100 dollars though must be quite annoying, though, judging from the amount of money you lost because of their practice... D:

Oh okay. I hope they end up settling for much more then ;D
Failure is not falling down over and over again. Failure is refusing to get back up.
Primadog
Profile Blog Joined April 2010
United States4411 Posts
Last Edited: 2011-07-12 22:30:08
July 12 2011 22:29 GMT
#7
I have received like at least 5 of these stuff in recent memory and never ever received a check in the end. The only winners from these class actions are the lawyers on both sides, but that's our legal system for you.
Thank God and gunrun.
Serejai
Profile Blog Joined September 2010
6007 Posts
July 12 2011 22:29 GMT
#8
Got a check for this today amounting to $35 for every overdraft charge since 2001. Dunno what the exact amount is as my wife has the check, but I'm guessing at least $500.
I HAVE 5 TOAST POINTS
OmniEulogy
Profile Blog Joined July 2010
Canada6592 Posts
July 12 2011 22:30 GMT
#9
Oh banks. Nothing you do will surprise me anymore. greedy bastards. I hope you get more than you expect.
LiquidDota Staff
bibbaly
Profile Joined October 2010
98 Posts
July 12 2011 22:31 GMT
#10
Good luck on getting some money back.
Sufficiency
Profile Blog Joined October 2010
Canada23833 Posts
Last Edited: 2011-07-12 22:45:46
July 12 2011 22:38 GMT
#11
So glad that I didn't bandwagon to BoA!

I started with US Bank then semi-switched to Chase for their awesome ATMs and phone app.
https://twitter.com/SufficientStats
shinosai
Profile Blog Joined April 2010
United States1577 Posts
July 12 2011 23:05 GMT
#12
I changed from Bank of America like two years ago and haven't regretted it. They pissed me off a lot, approving automatic transactions instead of declining due to insufficient funds. They are really great at getting overdraft fees from you. Never had this problem at my new bank.

I actually had to go to BoA today about an old savings account and wouldn't you know it, "Sorry sir our computers are down."
Be versatile, know when to retreat, and carry a big gun.
Deleted User 3420
Profile Blog Joined May 2003
24492 Posts
Last Edited: 2011-07-12 23:15:50
July 12 2011 23:14 GMT
#13
On July 13 2011 07:29 Serejai wrote:
Got a check for this today amounting to $35 for every overdraft charge since 2001. Dunno what the exact amount is as my wife has the check, but I'm guessing at least $500.


wow really? that is a lot more than I expected

I don't understand how you got a check already, they say a hearing about whether or not to approve the settlement will happen november 7th.
Torte de Lini
Profile Blog Joined September 2010
Germany38463 Posts
July 12 2011 23:20 GMT
#14
Would I be getting one if I haven't used my debit card in a long time? I went credit with BoA, but I have a checking and savings account in there.

No mail yet, but I'll be checking often.
https://twitter.com/#!/TorteDeLini (@TorteDeLini)
Allenansgar
Profile Blog Joined July 2011
United States31 Posts
Last Edited: 2011-07-12 23:25:46
July 12 2011 23:22 GMT
#15
Many banks do this or used to do this.

Their rational is say your mortgage is due just before it is paid, you buy a soda and dinner, then pay your mortgage. If the soda and dinner get paid before the mortgage and droped your balance below what the mortgage payment, the missed payment would mess up your credit, thus they just assumed you would rather pay them $50.00 in overdraft / bounced check fees then miss a mortgage payment. Of course if your mortgage is with the same bank it seems even shadier.

Not saying it is right... just stating the rational. Just remember Free checking, you get what you pay for and consumer beware.
Chance favors the prepared mind
Mr. Nefarious
Profile Joined December 2010
United States515 Posts
July 12 2011 23:32 GMT
#16
Thanks for this thread, BOA has screwed me more times then I can count with my debit card. I'll absolutely be watching this and make sure I'm in on it.
저그 화이팅
Serejai
Profile Blog Joined September 2010
6007 Posts
July 12 2011 23:36 GMT
#17
On July 13 2011 08:14 travis wrote:
Show nested quote +
On July 13 2011 07:29 Serejai wrote:
Got a check for this today amounting to $35 for every overdraft charge since 2001. Dunno what the exact amount is as my wife has the check, but I'm guessing at least $500.


wow really? that is a lot more than I expected

I don't understand how you got a check already, they say a hearing about whether or not to approve the settlement will happen november 7th.


Yeah sorry, apparently I heard wrong. We didn't get a check, but we got a mail stating they would be paying $35 for every overdraft since 2001, legit or not, unless we declined to receive payment within thirty days.
I HAVE 5 TOAST POINTS
Amnesia
Profile Blog Joined September 2009
United States3818 Posts
July 12 2011 23:38 GMT
#18
On July 13 2011 07:11 DomiNater wrote:
Fuck banks

Bunch of low-life scums. I hope you get at least some money out of it, although I'm sure it could take years knowing our court system.

FTFY.
Sky0
Profile Blog Joined June 2010
United States214 Posts
July 12 2011 23:39 GMT
#19
ive recieved the same thing and was in the same boat. i had a bunch of small purchases like 10 and they sent a high amount through and charged me 10 overdraft fees it was pretty insane. I tried to talk to them but they made me pay it. Ill be interested to see, i heard it was like 15 percent of what u were charged and itll be credited to your account. we will see.
"We are not retreating, we are advancing in another direction"
RowdierBob
Profile Blog Joined May 2003
Australia13006 Posts
July 12 2011 23:54 GMT
#20
On July 13 2011 07:11 travis wrote:
Show nested quote +
On July 13 2011 07:10 Z3kk wrote:
Wow, that really is pretty dang shady. I hope they lose the lawsuit


They already did, they agreed to settle for 410 million.

Oh but it sounds like the class action haven't decided on whether or not they want to take the settlement.


How much did BoA make out of this though? Is it listed?

Could be a good deal for them if they made, say, $1 bill out of the shadyness.
"Terrans are pretty much space-Australians" - H
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