Consumer complaint received 2022-08-23
Company: BANK OF HAWAII CORPORATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Today I logged into my account to check the status of my account like I do everyday. To my horror I see that my account is negative over {$54.00} when it should have at least {$6.00} after a scheduled $ XXXX deposit and several other deposits to cover multiple pending debits that weren't supposed to go through until today and tomorrow. 
Upon checking the transactions I see where the bank processed multiple debits in the evening of the XXXX just after my deposits were made on the XXXX, which is highly peculiar. Normally I don't see transactions start to post until sometime around midnight but these were posted several hours before and just after my deposits. A scheduled $ XXXX XXXX  deposit to cover these charges that otherwise wouldn't have or shouldn't have posted until the XXXX ( today ) was posted to the account as scheduled after all of those debits were made against my account. They scheduled all debits before any deposits or credits which made the account negative long enough for their system to charge two {$30.00} NSF fees for the two debits that weren't covered by all of the cash deposits I made on the XXXX. 
This is absolutely not fair and disgusting. I am sickened by this. The two {$30.00} fees are for timing, no human interaction or involvement, for debits that were made to charge through to my account earlier than expected just before a posting deposit that was made to cover them came through. 
When I logged into my account yesterday evening the account was still positive which means that these were timed in a way that put them hours apart instead of on the same day. I wholeheartedly and absolutely disagree that I owe a bank {$60.00} for what is essentially a computer function timing issue with no work or involvement otherwise. 
I have a very tragic and stressful life and absolutely did not need this additional burden involving what is essentially my current primary account. 
If the fees were reversed it would bring the account positive $ XXXX and if they were not then it would unfortunately have to stay negative and would probably escalate to collections and add further damage where it is not due. Even worse there is another {$20.00} charge pending and I was about to deposit $ XXXX in addition to the $ XXXX that should already be in the account today to cover that charge for tomorrow or Thursday. Because the account is negative and I currently do not have enough to cover the negative balance that pending charge is going to result in yet another NSF FEE because the bank didn't want to work with me and fix the issue because they very clearly do not care. After this the account will be over {$100.00} negative and I definitely will not be able to recover it then. 
I deserve better than to be treated like this, especially when I am clearly trying more than my best to keep this from really getting out of hand! 
Do you not see that if you don't help me fix this issue now that we'll both be out of more because of how it escalates!?! The charge off balance will be well over {$100.00} plus that'll be irrecoverable and you'll have to have collections staff dedicate time harassing me with letters and calls a few months from now when this absolutely doesn't have to happen and could be fixed quickly now by reversing these 2 fees, especially since it is more than obvious that I was doing everything I could keep this from happening!!

Company response to consumer: Closed with monetary relief