Consumer complaint received 2019-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX, my daughter in law called me from XXXX New York to inform me that there was a problem with the checking account with Bank of America. This account was a joint account that was established over twenty-five years ago with my ex-husband, who now is affected with XXXX. We have been divorced for fifteen years and we both live in different states. My name was not removed from the account because I made sure that there was always enough money in the account to cover the mortgage on the home. There was never a time where there wasn't enough money to cover the mortgage payment. My ex-husband pension went in the checking account automatically and the mortgage was paid by automatic bill pay. So every month the money is there, plus excess. 

Evidently there was an outstanding credit card balance of {$200.00} I am told that caused a legal judgment of {$1400.00} against him, which Bank of America complied. They put a hold on all of his funds for XXXX XXXX XXXX XXXX ( XXXX ). In the meantime, Bank of America decided to capture me even though they had already given up the XXXX.. I have two credit cards with Bank of America, which have relatively small balances. As of XX/XX/2019 I had a balance of {$2300.00}, which I pay $ XXXX monthly to drive down the balance, however, with no other purchasing, on XX/XX/XXXX, my balance was now {$5800.00}. It read for overdraft protection fees. I was very upset. I have two credit cards, I don't need overdraft protection, and as far as the old checking account, there was never a time in recent years where they had to charge for overdraft of the account. So what is this all about? I went to my local branch twice, and I made several phone calls. Evidently this decision to try to steal money from me through the crdit card with bogus fees is made from someone higher up. I got the impression that the associates themselves were baffled. This reminds me of the scandal with XXXX XXXX, whom I do not trust. Now Bank of America is delving in shady practices too against the consumer. 

As of today, XXXX XXXX, Bank of America has not released the hold on the checking account that my ex- husband has his pension nor have they took off the ridiculous fee of {$3800.00} for overdraft protection against my credit card. My daughter in law has helped my ex-husband placed numerous phone calls to both XXXX XXXX XXXX XXXX, and Bank of America. They are each blaming each othe. XXXX XXXX   XXXX told them that they released the hold on XX/XX/XXXX, with Bank of America. It is now XX/XX/XXXX. In essence, they are holding his funds hostage and this is not how you treat senior citizens. Money that he needs to care for his needs. 
This is a joke that is not funny and someone needs to answer for this. 
What I want is for Bank of America to take off those overdraft protection fees from my credit card immediately and I want them to released my ex-husband funds. I think that this is really a scary situation. There was no paperwork or advance warning!

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