Consumer complaint received 2024-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I already filed a complaint against BOA. I called your office to ask if I myself placed a deposit only restriction on my checking account, it is the banks discretion to continue to withdraw money from my account? BOA perged my debit card claiming fraudulent balance inquiries at a non BOA ATM. When I told XXXX, a supervisor in the fraud department I did not do that, she cancelled my card. Which left me no option to access my money over the holiday weekend. I called and was told a new card would be mailed and arrive 3 to 6 business days. I was also told I could access my money using my virtual wallet. BOA decided without advising me to change my pin. However, no pin was mailed to me, once again not allowing me access. I have been writing to BOA, but they do not respond. They did respond in another way. Without advising me, they closed my credit card. XXXX limit, I've been a credit card holder for over XXXX years, and I feel this was done in retaliation to my over 100 phone calls yo customer service. I can tell you this, BOA 'S procedures are if a payment comes in and it is returned for insufficient funds, BOA will retry those payments 3 more times, WITHOUT THE MERCHANTS AWARENESS. They jeep telling me it's the merchant, it is not. It's can not be if I went ahead and paid the bill using another means. Why would merchant retry when they were paid? Just recently a different merchant who has tried to collect XXXX from my checking, ( which has been held up by all the retry payments ) leaving my checking in the negative. That the XXXX return check fee was XXXX, not them? XXXX diesnt charge a return check fee. An employee at BOA bill pay told me the truth is : its built into BOA 'S bill pay computer system to automatically retry 3 times whether the merchant requests it or not. It can not be stopped. One creditor of mine has absolutely no record of an attempted payments nor retries. That scares me. In the mail comes 2 debit cards, same card # only different security code. Then a third comes in with a totally different card number. BOA prides themselves on the world class service they provide in aiding in fraud. They will be responsible for the total amount if found to be fraud. They flag any check over XXXX, which causes me to be late, and creates this mess. Was I punished for complaining? I kniw the bank can clise an account, but being put in this situation solely because of the bank, they took my only other means of purchasing food. I can not use the assistance programs, I do not qualify. Thank you One more thing. I lifted the restriction on my checking account. When the bank took XXXX from my checking for a return check fee, ( BOA ), while the restriction was in place it took 3 days to come back to me. When it came back, I transferred the XXXX XX/XX/24 from checking to my credit card for an early payment. BOA chose to return the payment for " insufficient funds ''. XX/XX/24. That's not harassment? There was no reason for that. XX/XX/24 I made the payment again, this time it goes through and BOA closes my card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief