Consumer complaint received 2023-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX California XXXX XXXX ( XXXX ) XXXX Last four digits of my BOA checking accounts end with XXXX To who it may concern, ( OCC ) Hi, rst of all let me introduce myself, I'm Here XXXX XXXX XXXX XXXX, a residence of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX California XXXX, the email address XXXX with phone number ( XXXX ) XXXX, the last 4 digits of my Bank of America Debit Card is XXXX and last four digits of my SSN is XXXX. I would like to submit nor file a complaint against Bank Of America, for until now I haven't receive any response from them regarding with a dispute transactions ( ATM ) ever since I sent my written Dispute Letter several tmes through email, regular snail mail and I even fax It to them. It's been over a month now and it really frustrated me especially every tiime I tried to make a call I couldn't go through to customer service for I always be on a queue for almost an hour and that's ridiculous, and that's when I thought of just keep sending emails an fax my letter along with my written Dispute letter stating all my concerns and of course all of my info inorder to identify my identity and so on. And I just got my new phone 3 days ago ( a free phone and service that I he government offers ) so I couldn't try to forward my concern to u guys. The 3 transacons that I disputed nor would file a formal complaint with CFPB for since I didn't get any response from Bank of America Dispute Dept., first complaint is an ATM error or ATM did not dispense any cash for {$300.00} in which i was trying to withdraw {$300.00} but as soon I check my account a {$300.00} ( including atm fees ) was taken out from my account. And this happened on XX/XX/ at a XXXX located at XXXX XXXX XXXX, XXXX XXXX, California at around XXXXXXXX XXXX. Second complaint is a transaction on XX/XX/XXXX XXXX  {$20.00} at XXXX XXXX at XXXX XXXX XXXX, California for in which my Bank of America Debit card declined the transaction when I was about to pay for some few items. And the third complaint is a transacton for XX/XX/ in the amount of {$15.00} at XXXX  at XXXX. XXXX, XXXX XXXX California my Bank of America Debit Card decline the transaction. I hope u could help me with this and really wanted to know why they don't response to my emails, mails and even when I faxed them my written Dispute letter so I could at least know whether they received my written Dispute leer, but I know they received them because I sent them in multi-ways of sending it and so as for the fax that I have the receipts that it was sent successfully .I won't be wasting my time for reaching out to them if all of my story is just fabricates but logically why should i send such false claim and everything nor for what I'm dispung is honestly legit and I really need my money for I'm facing hardship as of now. So I hope u could help me with my complaint for I would really appreciated it. Pls let me know if there is something u wanted me send to u guys, I would be more happy to send it out to u. Thanks u so much and God Bless. 

Recap of transactons details of what I'm dispung : XXXX {$300.00} ATM did not dispense any cash XXXX XXXX XXXX, XXXX XXXX California XXXX {$20.00} BOA Debit card Declined Transacton XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15.00} BOA Debit Card Declined Transact on XXXX XXXX XXXX XXXX XXXX  XXXX XXXX California

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 explanation