Consumer complaint received 2023-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 I got paid and received son 's XXXX, I paid rent at our new apartment at the XXXX, XXXX, Texas had to use checking account and routing number otherwise there is a large fee for Debit card use. The amount was {$890.00}, my balance was {$1500.00}, I also paid my electricity bill with XXXX XXXX {$65.00}, XXXX {$69.00} and XXXX XXXX XXXX ( Gas ) {$62.00} and credit card {$30.00}. 

Bank of America processed the same day, XXXX XXXX and XXXX but they did not process my rent, gas or credit card payment and on XX/XX/2023 a payment hit my account I did not authorize from a company called XXXX  for {$200.00} & {$200.00} a total of {$410.00}. I immediately contacted BOA the morning of XX/XX/XXXX when I discovered this merchant posting and filed a claim, it was pending still. The agent said she'd stop the payment and file a fraud claim and I'd get a temporary credit. 

Today, XX/XX/XXXX, I looked at my account and my bills had processed, my rent, gas and credit card and I had {$46.00} in my account, I went into the lobby of the BOA here in XXXX, Texas, XXXX, Texas near my new apartment and withdrew {$20.00}. I knew my balance was low but I was happy my bills were paid. I paid them all on the XXXX but XXXX XXXX, any holiday, BOA messes up processing some payments. 

I contacted XXXX  the merchant and told them I never gave them authorization to charge my account and she said it was from when I put in information from old school bookstore account and that my rentals were late. I told XXXX, XXXX that I used a Book Voucher of {$300.00} my Financial Aid at school ( XXXX XXXX  ) and we had the option of keeping our book which total about {$200.00} for two books or less, but now the school has taken down the XXXX website because XXXX bought them and the rules are different. I don't see the FAQ that provided previous information nor my account or order history. The XXXX said they'd charge my account 4 times and they don't make the prices of textbooks but online new information it says if lost or stolen the books would be upto 75 % and 7.5 % late. Then she said they already were paid the {$410.00}. 

Now at XXXX BOA sent me an email saying my Rent payment, previously processed today XX/XX/2023 would be returned and I'd have a negative balance. Meanwhile the credit is still their from the fraudulent payments of {$410.00} but they're going to let my rent payment bounce and I paid all bills on the XXXX. 

We just moved here XX/XX/2023 to an XXXX unit for my XXXX son, I am his caretaker and we can't be late on rent and rarely if ever are. BOA does this all the time they take days to process payments but if I go to XXXX or XXXX 's and use my Debit it comes out immediately. So please help. Seems as though they are trying to make us pay more.

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