Bank of America is basically keeping two books. The activity sheet that shows your "available balance" isn't accurate. You have to go to the balance history sheet to see "all charges". They keep a second column on this sheet that shows your balance including holds and authorizations which is a completely different amount than what you’re told your available balance is. Holds & authorizations should show up on your activity page as pending charges. They are basically hiding charges on your account to trick you into over-drafting. They just took me for $140 on this scam alone. I am changing banks today. I've never heard of this practice before. I thought only the mob kept two books.