Consumer complaint received 2020-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
noticed a withdraw from my account from several companies that should not have been there i called bank of america and was told that they could not reverse the fee 's because i have already had too many reversals. i made an appointment with the XXXX branch at XXXX XXXX XXXX XXXX, XXXX, CA, XXXX where i met with a man named lio XXXX think i told him i was also there because i was informed that there was paperwork i needed to sign. i told him that i would like all my overdrafts back because the paper they wanted me to sign was for consent of me to be charged by the bank and he told me that was not the case he then asked if i had read that somewhere i told him i did in fact read that in the paper the bank sent me in the mail to sign. he said that it was not so that he has never read that in those documents. He then drew up the papers i was suppose to sign when i opened the account he said. He then told me most accounts are closed within 24 hours if this paper has not been signed. I then read the first two papers that i was given for my personal account and then read the final papers i was suppose to sign when my business account was opened. i then told him i would like these charges taken off my account before i sign the documents. He then told me that i need to sign them before they could remove the overdraft fees. i told him i would not sign the papers and told him i would be back tomorrow to sign the papers when the fees had been returned to my account. i then grabbed the papers that he had handed me to sign and walkout and he then stated " you cant do that I put my name on those already stating that you were signing it. '' he then stood in front of me blocking me from leaving and told me " I will get the Bank Manager to take the fees off and return the fees that you are paying for having a business checking account and get me in touch with the person in charge of there branches Point of Sales to reduce my fees on my account he then took with him my debt card for my personal checking account and my business debt card/credit card and my government issued I.D./ Drivers license with him to find the bank manager that he could not get to come down the whole hour of wait time i was there already. I waited for five more min. then decided to leave as i did not see him anywhere in the branch office. the appointment was at XXXX. on XX/XX/XXXX it is now XXXX. on the same day and nobody from the branch has reached out to me to let me know what is going on with my account nor to let me know that they have my drivers license and my bank cards. I looked at my account online now i see that there has been a reversal in fees of the {$29.00} for the bank maint. fee and a fee refund of {$70.00} even though i have been charged for ten {$35.00} overdraft fees in this past week as i told the person over the phone that the atm in my town where not working i then went back into town later that day and attempted to make the deposit that would not go through earlier and it went through but i was still charged the overdraft fees. now as i look on my online bank statements the bill that i made on XX/XX/XXXX didn't go through on my bank tell the XXXX aperently now i then called the bank the next day and asked if they could take the fees off since i had made the deposit on the same day and that is when they told me that i already had my limit on overdrafts that can be taken off. then i made the appointment to talk to someone at the branch in XXXX CA. i would like to find out what action i should take next thank you for your time. 

Sincerely, 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