Mogul of Pineapples wrote:Normally this would (and should) be illegal. You said though that the credit cards were also through B of A? Has she ever paid her credit card bill electronically using an electronic withdrawal from her checking? Was this withdrawn from the business or personal checking?
What I think happened here is that she unknowingly agreed for B of A to do this in a scenario like this. Either it was in the fine print on her credit cards, her checking account, or if she ever used the electronic payment she might have unknowingly agreed to it. B of A is huge and you can bet their bean counters and attorneys spend all day thinking up tricks like this to sneak into the fine print.
I totally agree this should be illegal to. You could try calling them up (either checking or credit card customer support) and ask them flat out what gave them the right to do this. If you to report back here what they claim and we'll go from there.
Thanks for your input, Mogul!!! I think you're right about the fine print! No one ever reads it, including myself. My daughter uses both online banking and inter branch banking...so it could have been happened either way. I know what you mean by all the little bean counters and attys! They don't miss an opportunity to rip off their valued customers...who now have to bail them out with TARP!
Willl keep trying to get to the bottom of this...and let you know if there is anything illegal going on here!
BTW...she is a long time customer, and this was the first time she was ever late on any of the cards...which makes it even harder to justify!