I banked at Bank of America. I am on a fixed income, and unfortunately, due to my finances being stretched thin, and having made the mistake of allowing debtors to debit my account directly, there were numerous instances of my account being negative ( overdrawn ) at the end of the month. But what BofA did, was to monitor my account, then, when debits came in they were not processed immediately, in the order of their occurrence, they were put into a " pending '' status. The largest amounts were then deducted first, taking the account into an overdrawn condition, the result being that they were then able to charge {$35.00} for each small debit, as opposed to the actual in sequence debits, which would have resulted in only XXXX {$35.00} overdrawn charge. The financial impact was numerous months where the charges exceeded {$300.00} ... ..which compounded my financial problems the following month. I wrote to BofA and filed complaints several times ... .to no avail. I know someone was watching my account and doing that out of sequence debiting deliberately to achieve raiding my account for greater numbers of {$35.00} fees than would have happened if debits were done sequentially. I finally left BofA, but they continued to tack on additional fees which today have a total of around {$500.00} ... which I will not pay regardless of the effect on my credit rating. I am XXXX years old and will never buy another thing on credit again. Now that we know the dirty underhanded way the bankers and wall street have cheated, deceived and exploited XXXX for their own gain. It is so sad to me that ehy have not been effectively prosecuted. Such as the CEOs being chaged and found guilty of Felonies for XXXX XXXX, and then were given waivers and the bank was fined $ XXXX, paid by the banks customers. The lying cheating executives got to keep their ill gotten millions. Disgusting!! I am voting for XXXX XXXX in the hope he is elected and my bring about some change in what billionaireds get away with in America. 
