Consumer complaint received 2023-03-16
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:
Bank of America XXXX XXXX XXXX XXXX XXXX17 Total Amount : {$8900.00} Please consider this a claim for the alleged 17 uncollected Bank of America XXXX XXXX XXXX for a value of XXXX XXXX XXXX XXXX XXXX dollars ( {$8900.00} ). These amounts were sent to my XXXX XXXX XXXX Bank of America checking account # ... XXXX XXXX User ID ... ... XXXX ; I received a text message from BOFA confirming each amount as added to my account, but then, for no reason, the amounts do not appear in the statement. The amounts were sent to my checking account by three different clients throughout the year XXXX. Please find the money and return it to its legitimate owner, your XXXX XXXX XXXX XXXX XXXX XXXX. 

FACTS : XXXX XXXX : XXXX XXXX XXXX. 

Three of these amounts were sent and debited from XXXX XXXX XXXX Bank of America checking account # ... XXXX, XXXX XXXX ID ... .. XXXX on the following dates and values : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX BY XXXX {$950.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX BY XXXX {$950.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX BY XXXX {$950.00} TOTAL {$2.00} The three above-mentioned amounts were debited from XXXX XXXX XXXX Bank of America checking account XXXX XXXX XXXX. Attached you will find his XXXX, XXXX and XXXX BANK OF AMERICA statements ( EXIBIT 1 [ XXXX ], EXIBIT 2 [ XXXX ], EXIBIT 3 [ XXXX ] ) Please find attached copy of the text messages sent by BOFA to my XXXX XXXX XXXX XXXX User ID ... XXXX notifying me that the amounts {$950.00} were sent by XXXX XXXX XXXX and received by BANK OF AMERICA to be deposited in the XXXX XXXX XXXX BANK OF AMERICA account. ( EXIBIT 4, 5 and 6 ). At the same date and time XXXX XXXX XXXX sent the payments. 

Also attached you will find the XXXX XXXX XXXX BANK OF AMERICA checking account # ... XXXX Bank statements that show the amounts were not deposited in my account. ( EXIBIT 7 [ XXXX ], 8 [ XXXX ] and 9 [ XXXX ] ). 

SECOND CLIENT : XXXX XXXX XXXX more of these amounts were sent by XXXX XXXX XX/XX/XXXX XXXX  XXXX SENT TO XXXX BY XXXX {$490.00} XX/XX/XXXX XXXX XXXX SENT TO XXXX BY XXXX {$370.00} XX/XX/XXXX XXXX XXXX SENT TO XXXX BY XXXX {$870.00} XX/XX/XXXX XXXX XXXX SENT TO XXXX BY XXXX {$870.00} TOTAL XXXX Please find attached a copy of the text messages sent by BOFA to my XXXX XXXX XXXX XXXX User ID .... XXXX notifying me that XXXX XXXX had sent the amounts, they were received by BANK OF AMERICA ( EXIBITS 10, 11,12 and 13 ) to be deposited in my BANK OF AMERICA account. 

Attached you will find the XXXX XXXX XXXX BANK OF AMERICA checking account # XXXX Bank statements that show the amounts were not added to my account. ( EXIBIT 7 [ XXXX ] AND EXHIBIT 8 [ XXXX ] ) THIRD CLIENTt : XXXX XXXX XXXX more were sent by XXXX XXXX XX/XX/XXXX XXXX XXXX SENT TO XXXX BY XXXX {$500.00} XX/XX/XXXX XXXX XXXX SENT TO XXXX BY XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX SENT TO XXXX BY XXXX {$500.00} AUGU XXXX XXXX XXXX XXXX SENT TO XXXX BY XXXX {$260.00} XXXX XXXX, XXXX XXXX XXXX SENT TO XXXX BY XXXX {$110.00} XX/XX/XXXX XXXX XXXX SENT TO XXXX BY XXXX {$500.00} XX/XX/XXXX XXXX XXXX SENT TO XXXX BY XXXX {$370.00} XX/XX/XXXX XXXX XXXX SENT TO XXXX BY XXXX {$500.00} XX/XX/XXXX XXXX XXXX SENT TO XXXX BY XXXX {$160.00} XXXX XXXX XXXX XXXX SENT TO XXXX BY XXXX {$210.00} TOTAL XXXX Please find attached copy of the text messages sent by BOFA to my XXXX XXXX XXXX, XXXX User ID ... .. XXXX proving the amounts were sent by XXXX XXXX and received by Bank of America XXXX EXIBITS 14, 15, 16,17,18,19, 20, & 21 ). 

Attached you will find the XXXX XXXX XXXX BANK OF AMERICA checking account # ... XXXX Bank statements that show the amounts were not deposited to my account. ( EXIBITS 8 [ XXXX ], EXHIBIT 22 [ XXXX ] EXHIBIT 23 [ XXXX ], EXHIBIT 9 [ XXXX ] ) To conclude, after several phone attempts to find help from BANK OF AMERICA, my calls were transferred from one department to another without a responsible answer. The fraud department of BANK OF AMERICA, finally responded me, WE CAN NOT SEE RECORDS OF THAT YEAR. The XXXX division answered me that they performed the transactions, then, they said, only BANK OF AMERICA may solve the problem. 

I trust on BANK OF AMERICAs reliable systems to protect its clients on this kind of transactions before the time to claim is over. The Federal Records Act of 1950 states that, quote organizations need to maintain records for a minimum of 3 years from the date they were created or received. Furthermore, the XXXX requires that a bank maintain records for at least 5 years. These records can be maintained in many forms including original, microfilm, electronic, copy or a reproduction. 

As a Business Advantage Costumer for more than 3 years, I respectfully demand my right of being protected by my Bank. Please investigate and resolve this claim for the alleged 17 uncollected Bank of America XXXX transactions, for a value of XXXX XXXX XXXX XXXX XXXX dollars ( {$8900.00} ) and return them to its legitimate owner, XXXX XXXX XXXX. 

Please consider this an Affidavit, as I attest to the facts written in this letter.

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