Consumer complaint received 2023-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2023 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX XXXX Account Ending in : XXXX Re : Clarification with case number XXXX * Disputing in the amount of {$300.00} *Request to re-open Case *And in question with XXXX XXXX ( XXXX XXXX Regulatory Complaint non related ) response with my claim ( incorrect or misleading response ). 

*****Before everything isnt it that under Regulation XXXX, that in order to file a dispute claim with an institution is to formally submit a written notice/letter or call in the bank or bank customer service, to file a claim but still need to send a written notice. That is exactly what I did but I wasnt getting any response with Bank Of America after sending them numerous emails and even fax my written notice/ letter in order to file a dispute claim, so I thought about seeking assistance with CFPB. ***** To whom it XXXX concerned ( CFPB ), Hi, I just want to make a formal request for my claim ( case # XXXX ), for which the response letter i received from XXXX XXXX probably being mixed up with other cases because transactions in question with my claim doesnt match and I have full copies of my written notice/letter that I sent out to Bank of America XXXX Department XXXX XXXX XXXX email and fax. I can provide my proof of those documents and so u will find the different dates and time of delivery. I honestly indicate the total right amount that XXXX disputing which is ( {$300.00} ) and not {$340.00} that XXXX XXXX indicated on the response letter I received. I really dont know where that amount came from but XXXX sure and 100 % that the amount XXXX disputing is {$300.00} that I indicated on my written notice /letter, and for several times I sent my written notice to BOA Dispute Department XXXX never receive no response from them so that my claim could be filed and I even tried to call but the wait time is far to long that I have to hung up but they usually reply to my emails when I have certain complaint. Since I never got any response so I could be assisted to get my money back I thought of reaching out to u ( CFPB ) for help. And just to add up with what XXXX XXXX stated on the letter that they cant locate any claims under my name and card number is because I never receive any response from BOA XXXX Department from my written notice/letter that I sent several times through emails and fax and as a matter of fact there is XXXX time I sent my written notice to different Dept. of BOA. I can provide proof of my emails and fax that I sent my letter that includes the day and time I sent and even indicated that every time I fax my letter I always received a feedback that it was received successfully and thats numerous fax that I sent and carefully notified me that it was successfully sent and received by BOA XXXX. and I can prove it. And XXXX XXXX also indicated that {$340.00} was posted in my account on XX/XX/XXXX and XX/XX/2023, first of all where did that {$340.00} came from and did those XXXX dates came from as well because XX/XX/2023 is the day that the ATM did not dispense any cash when I was requesting to withdraw {$300.00} from my checking account and I myself couldnt find that {$340.00} in my account that XXXX XXXX mentioned in the response letter, XXXX totally confused infact I had been calling XXXX XXXX as soon I received an email stating that to give a call so I could verify that XXXX the person who submitted a complaint to CFPB for numerous times and always left a voicemail every time I call for nobody is answering my call and I even sent emails and still no response not until o received a mail. XXXX attached all documents such emails as proof of my written notice/letter that indicate the right amount that im disputing and also a screen shot of the transactions in my checking account so to see wheres that {$340.00} and stating XXXX dates that was posted XX/XX/2023 & XX/XX/2023. Why XXXX!? Hoping my case be reopen right away and also to receive a response from CFPB and Bank of America upon receipt of this email/notice of request to reopen claim/case. 

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 explanation