Consumer complaint received 2022-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Account statements and online access were continually restricted from view and removal and/ or adjustments of balances to other accounts were completed in unison with restriction from view and removal of same from other accounts on creditor profile to mainly return monies refunded without conflict and according to customer service guidelines both on site and online that were initially correctly completed. For example, I am buying five six 6 screws that are 4 inches in length according to recent instruction. Four out of the five boxes were mislabeled and include a new melt to fit technology to adjust the screw when it does not meet the size as marked. Such information is not disclosed. You make your point onsite and retailer accepts items, rings up the return like any other party including receipt listing account receiving refund, and greets farewell. Months if not years down the road, the credit is reversed, shuffled to another account, or simply removed, and statements are removed or replaced with little announcement to avoid detection. Other activities that follow but are not usually related but appeared to be designed for a third party then to announce as recoverable come through off site posted public announcements using color coordinated parties to advertise credit repair services. These are placed next to the freeway entrances and exits. Later it was the same simple real estate investor advertisement appearing at the suspicious time. If not those advertisements, then it was the tax season preparation advertising, which had nothing to do with reporting the ongoing issue as a project expense or disclosing forms related to financial crime victims even within the scope of COVID 19 fraud. The forms disclosed during meetings or on IRS website simply did not apply. Amounts visibly removed, not including damages or expenses to repair, were always within the range to ensure little return was made into any investments for tax preparation and representation. It was always too obviously rigged where when one would observe rates or fees posted, one could calculate the amount stolen/ removed as the final total from those parties. If I was not harassed in this manner, this type of activity was or also occurred through the undisclosed, whether online, in their office or mail, calculation of my taxes. I currently do not have any open complaints with my bank other than some online banking error that is charging me for bank fees despite meeting the minimum direct deposit and balance requirements. The terms were being updated to my disadvantage. My concern is that the bank is usually not responsive to any of my reports regarding this activity. I even had a fake XXXX or something and they helped me open a new account where everything was transferred. We took a wait and see approach. I received absolutely nothing regarding this activity that was obviously fraudulent and a form of harassment to me. This activity was reported to CFPB and to XXXX. There might be one to three other government agencies that receive my complaints and usually it is because it is within their scope of services to receive my complaint. My concern now is that I am receiving a call from a number that states that is a BofA number from caller id as issued through XXXX, not a third party app, and bofa states that they are a debt collector. I have no debt assigned from bofa. None was disclosed to me through their online banking, a paper statement through a correspondent, whether it be the sheriff simply reading and not handing over, etc. The number that called was XXXX. I am no longer interested in accepting phone calls because of this type of activity. It seems that these parties can speak clearly and be understood through my cell phone service and not always the other way around and most of the time for me during any other subject matter. Even the software applications cause more reportable technical interferences. While drafting this complaint, a voicemail from This call appeared in the voicemail log, and at no other time.

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