Consumer complaint received 2023-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2023, when I went to make a deposit like I normally do, my balance was right around {$0.00} ( something like that ). No more than {$3.00}. So I deposited my check first. It was {$45.00} from XXXX XXXX XXXX, and then I deposited {$120.00} cash. My available balance became {$130.00} and the ATM receipt reflects {$45.00} would be available on Friday, XX/XX/2023. 

After my deposit, I went to XXXX for a drink, XXXX for dinner, and then I went to XXXX XXXX for an ice cream cone. Those were my only transactions for that night. The next day, around XXXX XXXX EST, I logged into my online account to verify that my check had cleared. Indeed it had. My new balance was {$150.00}. I logged off, and three hours later, I went to XXXX XXXX and my card did not work. It kept saying, " DECLINED. '' I paid cash for my breakfast. Then I called Bank of America 's Customer Service, and I was on hold for 30 minutes. NOBODY would answer my call on que. So, I went to XXXX, and my card ( see image ) was declined as well. 

At that point I decided to log into my online account, and I couldn't believe it reflected NEGATIVE {$93.00} dollars. I went CRAZY! I couldn't believe I was going through this problem AGAIN! So, I showed ujp to the bank located on XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX assisted me farely quickly ; but not all the way. She chose to say my XX/XX/2023 credit of {$250.00} from claim # XXXX was reversed because the Claims Department, XXXX, never received my fax. I went crazy! I told XXXX " that is not my account you're showing me on the screen. I checked my account this morning and everything was in order and accurate. '' I told her that when XXXX cleared, I had {$21.00} not {$180.00}. XXXX did not seem to listen to me. Instead, she asked me to call the Fraud or Claims Department XXXX. And then she said, " My appointment is here. I have to go. '' So, I called the Claims Department, XXXX. Their automated machine did not say my claim was reopened or still under investigation. It said, " Claim is complete. '' Finally, someone with the name XXXX answered my call and then asked me to refax the documents. After I did that, ( see images ), I called the Claims Department again to VERIFY they received the docs because this was the second printout that I had reflecting FAX was successful, and it wasn't. So, finally XXXX answered my call, after 40 plus minutes of HOLDING, and she confirmed the documents were there. 

With that said, I thought they would have reversed everything ASAP ; and they didn't. They have had me on a NEGATIVE balance for 48 hours now. A total injustice. Not to mention, the next day, the account was negative {$89.00} dollars ( somehting like ). 

It's the beginning of the month, I had bills to pay, and I couldn't because Bank of America continues to allow someone to cross accounts and have me open FAKE fraudulent accounts online. In conclusion, I want to see my account positive to {$150.00} again because that's the correct amount that I had on XX/XX/2023. 

While I was in XXXX, I kept seeing NEGATIVE accounts. Finally when I came back to the United States, I disputed my XXXX XXXX XXXX transaction because International Roaming never worked. The amount was placed back in a NEGATIVE fake account, that's really not negative, it's just a dummy account XXXX and XXXX know how to manipulate. So, I lost {$35.00} dollars. XXXX stole the money. Not the bank. These accounts are fake accounts tied to XXXX XXXX and XXXX. 

In conclusion, please make the bank give me my real Bank of America account reflecting {$150.00} with out my direct deposits ; and eventually with my real direct deposits.. We're up to {$64000.00}.

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