Member Rara Avis
I feel for you, but to be honest, banks, well, aren't.
I typically don't have too many issues with banks because I follow the guidelines... not out of any desire to be honest myself, though, but because of fear. The fees and etc. banks attach to darn near everything is just a legal form of highway robbery.
The mafia has less harsh penalties for being late or overdrawing than your average bank; all they'll do is break a leg or two, while if you overdraw your bank account by a dollar it could cost you hundred or more.
And, one of my biggest pet peeves, if you have a deposit going into your account the same day you have a debit that would overdraw you without the deposit, they charge the debit first, then tack on the fees, THEN process the credit. It's ridiculous.
Add to this gripe the fact that it is now legal for creditors to up your APR to 29% if you're more than 1 second late on a payment to any creditor. That means that if you pay your BofA Visa on Monday instead of Friday, any credit card you have can instantly have the rate jumped up to 29%. I'm not positive, but I don't think you'll know it until you get your next statement either.
Yet another issue I have is that if you log onto their website to pay your card on Thursday, when it's due on Friday, it won't actually be processed until the following Monday, thereby hiking up the fees some more.
Think about this - if you were to have mistakenly given the bank too much money, do you think it would tell you? No, it would probably force you to absolutely prove that the money was yours and that the mistake needed to be rectified. If you did that, you would probably get your money back... though I guarantee you they wouldn't refund you any interest they'd earned off of your money. But catch a $15,000 mistake in their favor? you get a 12 cent thank you card.
So, there may be stupid people out there, but some of them may just be taking the only revenge they're capable of on the corporate monster that loves to eat all their money. The only thing I can fault them for is not being able to separate the people who work for the bank with the bank.