In late December of 2008, my car payment which is made each month to Bank of America was due. Due to time constraints and such, I chose to make my payment over the phone using my debit card from my personal bank. The payment was for $299.88. This was a fully automated transaction using voice recognition. (I hate that.) Anyway, I made the payment and figured that was that. On Saturday, January 3rd, I received an insufficient funds notice in the mail from my bank. It was for a debit card transaction for the amount of $2999.88-$2700.00 over what... read full review »