I had this happen a few months ago. Made a purchase for online for car audio stuff. Payment went threw, approved and withdrew from my account. 5 days later same company had deal on more stuff so i spent another more money. 2 days later i log in im over drawn by something like $850. I go look back and the first was gone from my account and they posted it to my account same day ad my next purchase.
So i had to eat all of the shipping charges back for the second purchase and they hit me with the over limit fee fuckers
So now if i know im gonna make a purchase i just fund a prepaid card. BOA will not be pulling that shit on me again