Consumer complaint received 2023-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
2nd attempt.. Same complaint. 
They lied.. they did not to to cotact me. 
I had one message and called them call that day. They never called or left another message. They also have my email and address. I've never heard from them again. 


claimed they didn't get it, so XXXX sent it again and BofA finally confirmed via phone they received it on XX/XX/XXXX. During this time after making a complaint on their XXXX  page, a spammer tried to hack my account. I called to change the user name and instead they deleted my user id, which conveniently lost all my bill pay history over the 15 years. So I no longer received any messages as they are still doing this on my old user id. I also had bills setup to pay that they didn't pay. Over {$4000.00} in bills. I had no idea they deleted my user id with current bills to be paid until I got a late notice on XXXXXXXX XXXX XXXX I spent 4 hours on the phone with them and they refused to honor the guarantee for the late payments that I had to go on to individually and pay that day. It's now been 5 months since the payment was sent to the wrong person and almost 5 months since I alerted them and I still have not received my money back for a total of {$640.00}. I'm sure the company is a legitimate company and just waiting for someone to come back and say it wasn't suppose to go to them. I did my own research and found that it's a charitable company that deposits donations through a lock box at XXXXXXXX XXXX. I even called their bank and they were helpful but told me they couldn't do anything that Bank of America was supposed to be representing me and helping me to get my money back. The check was stamped on the back as " Deposit for the benefit of the named payee '' and they held it for 3 weeks which tells me they weren't sure where to credit it. Bank of America has had this information since early XXXX, so they knew that it went to the wrong company, but continued to make me wait. During my 50 plus calls, I was transferred dozens of times, thrown back into the que on purpose and hung up on. I have been with Bank of America over 23 years and finally decided to remove all my money to a new bank. I'm having to keep a {$1500.00} balance there in order to keep from having a service fee monthly until I get my money back. After I complained about them not doing anything and demanded a provisional credit so that I could pay my card off and quite accruing interest on something I tried to pay off that XXXX, they gave it to me 2 months later and 30 days after that they took it back, causing my balance to fall below the minimum balance and charged a fee for that as well. This whole process has cost me a LOT of time and money and I still have no resolution. I started the whole process by alerting them nearly 5 months ago. This is unethical and a terrible way to do business. I just want to get my {$640.00} back and be done with this institution. Thank you in advance for your help.

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