When I logged into Bank of America Online Banking yesterday ( XXXX XXXX 2015 ), My checking account 's " Available balance ( as of today ) '' in the Account Summary showed a positive amount of {$250.00}. The same " available balance '' is represented in the " All Activities '' section of the Online Banking webpage. After I made a {$50.00} online transfer, my available balance remained positive at {$200.00}. At the end of day, my " available balance '' was {$190.00}. Including all pending transactions, my " available balance '' was still positive at {$40.00}. Today, XXXX XXXX 2015, I see an " overdraft '' fee of {$35.00} in my transactions, and my " available balance '' is not {$5.00}. When I call the bank to find out why they charged me an " overdraft '' fee, the representative claims that my " available balance '' went negative and directs me to the " Account Balance History '' section of the page. 

This " Available Balance History '' shows that, at Close of Business on XXXX XXXX, my " Available Balance History '' was negative by {$12.00} and the bank charged me a {$35.00} fee. The " Available Balance History '' also shows that it is the {$50.00} online transfer that took my account into a negative territory. However, when I made that transfer, my " Available Balance '' ( shown here as " $ Statement Balance '' ) was {$250.00}. This " Available Balance History '' is only available on the next day and does not show all transactions until the end of the day. Meaning that as of today ( XXXX XXXX ), I can only access the " Available Balance History '' showing my " Ending Balance - XXXX/XXXX/2015 ''. Therefore, I could not have the information that my account was overdrawn when I made the {$50.00} transfer yesterday. I was misled by the bank to see that the other " available balance '' was sufficient for the transaction. Why would they then charge me an overdraft fee when the information available at the time showed that my account had sufficient money? 
