Consumer complaint received 2022-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX, XXXX Bank of Anerica sent me a text asking me to confirm a total of {$870.00} in suspicious activity charges on my debit card. I replied with a text these were not authorized charges & I proceeded to call the fraud dept. We immediately agreed to close out the card & reverse the charges. I didn't give it anymore thought & thought it was a non issue. I am a XXXX XXXX XXXX woman, now XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX & my only source of income now is Social Security XXXX. I have been living in a XXXX XXXX for a very long time & was behind on rent & told I needed to get a minimum {$100.00} payment made on XXXX XXXX, XXXX to tie me over til my XXXX check came in on XXXX XXXX. On XX/XX/XXXX, I discovered the bank had charged me back the {$870.00} in fraud from XX/XX/XXXX & I now had a negative bank balance that would consume my XXXX check on the XXXX in it's entirity. After XXXX hours on hold I finally got a Fraud supervisor. I pleaded with them I was being evicted from the hotel for non payment & told them the charges from XX/XX/XXXX, were not mine. & I HAVE to have that money back. The fraud charges were charges to XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX all of which a XXXX XXXX XXXX XXXX female would have no use for. The bank said they knew I did not make the charges & acussed me of loaning out my card to a friend. I told them only a crazy person would loan out their card when XXXX is their only source of income & not even enough to pay my bills. I told them I have no family or friends. I never married & have never had children & have no living family members. The only XXXX friends I had quit talking to me when I became XXXX. By the same token I have nobody who I can go to for help, shelter, or food. I was locked out of the hotel room for non payment on XX/XX/XXXX & have now been living out of my wrecked vehicle for over XXXX week now & it has no heat or AC. I'm miserbale, cold, hungry & in need of meds. XXXX does NOT pay for XXXX medication & it only pays 70 % toward the purchase of XXXX. I have to pay for both out of pocket. I have no money to buy my prescriptions & living without. There is nobody or organizations who will help me & I'm TERRIFIED!! I went into the bank to cry & plead with a bank official & was told they would submit a new request for the Fraud dept to review & it would take up to 45 days. I don't have 45 days. If my past due is not paid to the hotel by XXXX XXXX, I will lose everything stored in that room including a {$5500.00} XXXX XXXX XXXX  paid for. I just want back in my room where I have food & belongings. Even if the hotel were to allow me to get all belongings back, how would I even move anything & where would I put everything when I have nowhere to go. I'm also about to lose everything in my XXXX XXXX XXXX. I was already 1 month behind but had worked something out with them to accept a partial payment with my XXXX XXXX, XXXX check. I had no money to pay for XXXX XXXX so now it goes to auction on XXXX XXXX, XXXX. The auction fees & additional late fees total {$380.00} in addition to my storage fees.. I can not take this. I am begging for somebody to help me PLEASE!!!!!!!!!! I have nowhere to turn too & I will XXXX  without my meds. I do not get food stamps again until XXXX XXXX & have been going without food. I have no XXXX  to counteract the XXXX XXXX XXXX from the food even if I had money to eat. I'm nearly XXXX XXXX XXXX  & have to wear a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all while tring to sleep in a small, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX

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