I just sepnt 3 hours on the phone with BOFA about this exact problem...after 4 reps and 2 managers i the bill pay division, i finaly got someone to crack
"sir, i dont know why your checks changed from draft to corporate"
for a year i sent checks to my landlord using billpay, and today, of all days, it was sent as corporate...and it caused several checks to bounce as a result
tier 1 and 2 reps are taught to blame you for not having funds at the time of delivery, regardless of a prior history of every check being sent as draft. they put the onus on us for not reading (or comprehending) the agreement
as i told "lee" before i hung up...i base my timeline for "when checks will clear" on my existing timeline history with BOFA...if i send out a check to the same place, and every time i have 7 biz days between mail, delivery, and deposit...and suddenly that window is gone...im screwed
bounced my cobra check today, lost insurance because of this...tho its is legally my fault, i made it abundantly clear the system is entirely flawed, and we need to be informed before submitting a payment whether it will be draft or corporate
deaf ears i assume