Consumer complaint received 2023-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Good morning Monday XX/XX/XXXXXXXX  after sending you greetings I would like to denounce and I would like to ask for help at the same time is very strong the situation with Bank of America since XX/XX/XXXX my life had a change, as I never thought to live it, I got an imessenger or text message as we usually call it around XXXX : XXXX in the morning with the following paragraph " you are authorizing XXXX dollars for AIRBNB " I SAW THE MESSAGE and did not pay attention to it at that time 3 minutes later I entered my online banking this time I entered to review transactions mostly I would enter to see when the account goes up when it goes down but I am not one of those people that have time pta see staimend from the and transaction by transaction too bad for me I would log in 20 times in an hour but to see if my account went up because I got paid or because I had to do something for example go to the stadium to book a family event x ORGANIZE COMPANY MEETINGS anyway BECAUSE OF MY JOB I DO NOT HAVE TIME TO SEE TRANSACTION BY TRANSACTION my life is very busy, but when I went in to look at my accounts I wanted to die on my credit account minus {$7600.00} and the limit is {$3800.00} so I was overdrawn I had never done that I didn't even know the meaning of overdrawing an account. 
The first thing I did was call the bank and I thought it was a joke!!!! because out of my bank credit account which has a XXXX limit I only paid UP TODAY ONLY THE RH USED ON light twice XXXX and two XXXX orders TWO and one I returned the receipt will be attached and one never came, then with XXXX and after pay i am struggling to get my money back they themselves i did the calculations of those i have used including XXXX  and after pay and i have XXXX dollars left that i have not yet been credited to my credit card account which ends in XXXX because i paid XXXX XXXX dollars on this card without having even a month with it i am very responsible with payments, but the problem started when I tried to buy a flight to continue with my work life and I was surprised my credit cards were not overdrawn XXXX  that I am the XXXX but with a thief yes, all my credit transactions, I could not buy a flight I said to myself XXXX, XXXX this at home I started to check my 4 accounts for the first time and I said omg what a surprise. en my debit accounts specifically terminal XXXX {$3600.00} for a house reservation on XXXX then XXXX XXXX from seat go, which to all this I am told by an existing claims rep in online banking the following we were kind enough to communicate with seat go and they did us the favor or they did you the favor of returning your money I AM SORRY to tell you I AM NOT ASKING OR GRIEVING I AM DEMANDING MY MONEY SO MUCH I SUFFERED TO EARN IT! AND YOU ARE DOING YOUR JOB WHICH IS A BAD JOB BECAUSE bank of america uploaded online a receipt in someone else 's name to my account for an ehxortbitant 3612 value after ONE TRANSACTION in which I received no notification is disrespectful!!!! I HAVE THE TWO STEPS OF VERIFICATION AND RESPONSIBILITY IS SHARED AFTER I SEE TRANSACTIONS FROM XXXX, XXXX, transfer from my other debit account TO ANOTHER DEBIT ACCOUNT they registered a transaction I reported it as fraud they gave me the credit and returned it to me overdrawing my second account CRAZY something unbelievableee!!!!! 


I CALLED AND MADE MY FRAUD CLAIMS AND GUESS WHAT, TWO WEEKS LATER I DIDN'T EVEN HAVE MY TEMPORARY CREDIT. I CALLED THE BANK AND THEY TOLD ME THEY ARE VERY SORRY THE REPRESENTATIVE WHO TAKEN MY CLAIMS DID IT WRONG AND THAT I MUST OPEN ANOTHER CASE NUMBER AND SEND ALL THE PROOF I OFFERED THEM not that they asked me I offered them everything AND THAT I WILL NOT HAVE MY TEMPORARY CREDIT BECAUSE IT IS A REOPENED CASE AND YOU HAVE LAWS? AND FOR YOUR EMPLOYEE TO MAKE A BAD CLAIM THAT YOU DO NOT HAVE BECAUSE IT DOES NOT SUIT ME THAT YOUR BANK FOR IRRESPONSIBLE NOT TO MAKE MY CLAIM BECAUSE I HAVE A BUSINESS ACCOUNT BECAUSE I WORK WITH MY MONEY SINCE THEN I CALLED DAY AFTER DAY THEY TOLD ME XXXX  MY ADVICE IS TO CLOSE THE I told them that it is impossible because in the first one they told me that the claim was badly written. THEN I CALLED AGAIN ASKING FOR MY MONEY AND THEY TOLD ME OH IT IS VERY RARE THAT YOU HAVE NOT REALIZED OR WHY HAVE YOU NOT TAKEN ALL THE MONEY FROM YOUR ACCOUNT? STUPID QUESTIONS! because they only had the data of that account and has not taken more because I am broke by you since XX/XX/XXXX HERE I ATTACH FROM THE FIRST DAY I HAD THE ACCOUNT AS IS THE MONEY FLOW MONTH TO MONTH DAY TO DAY evidence of audios, letters, calls, supervisors, and people witness as 12 witnesses of this whole process and so bitter pill that I am going through I KNOW I HAVE A BUSINESS ACCOUNT AND I HAVE NOT BEEN ABLE TO RECOVER MY MONEY FROM THE ACCOUNT. I HAVE NOT BEEN ABLE TO WORK SINCE XX/XX/XXXX I HAVE NOT RETURNED TO WORK I HAVE BORROWED XXXX XXXX DOLLARS because of them DAY AFTER DAY CALLING THE BANK I EVEN CALLED CRIEING ON SUNDAY XX/XX/XXXX BECAUSE MY DAUGHTER HAD NO MILK AND MY CREDIT CARD HAD MONEY LEFT ON IT AND I SPEAKED TO A SUPERVISOR AND PLEASED THEM TO PLEASE UNLOCK MY CREDIT CARD THAT I HAD MONEY AND THEY TOLD ME NOOOOOOOOOOOOOO. 
that i had to go to the bank with two types of identification seriously sunday at 2 : oo XXXX  i told them i had already gone i have videos audios in their bank i went 4 times this week they did not help me my daughter went hungry and my money all in their bank the only bank i have. 
BAD INFORMATION, FROM THE BEGINNING I STARTED RECORDING THE REPRESENTATIVES ALL REPORT DIFFERENTLY 3 MONTHS AGO I DON'T WORK BECAUSE I WORK WITH MY MONEY FROM XX/XX/XXXXXXXX  UNTIL XX/XX/XXXXXXXX  THE DAY OF THE FRAUD TO THE DAY OF THE FRAUD ON ALL MY ACCOUNTS I NEVER STOP TAKING MONEY INTO MY ACCOUNT BECAUSE I REALLY WORK AND NOT FOR SOMEONE TO COME AND TAKE WHAT IS NOT THEIRS FROM WHAT I EARN SO HARD. 
THE MINIMUM MONTHLY INCOME IS XXXX XXXX DOLLARS MINIMUM UNCONSIDERED I TAKE A LOAN I REPEAT XXXX. I have to have XXXX  XXXX and my daughter needs to eat and pay her school fees. I OWE MY HOUSE MY BILES AND YOU WITH THE GAME OF SUCH STUPID QUESTIONS AS WHY YOU DIDN'T TAKE ALL THE MONEY YOU TAKE ALMOST XXXX XXXX DOLLARS IF YOU DID TAKE IT ALL. from that account they want to take more another day I called and they told me that the wallet dept. wanted to talk to me I called they were closed I called the next day and they told me excuse us your XXXX  XXXX  was used but it wasn't in your area it wasn't even close to you it wasn't you and me and my money? i need to pay back loans bank of america negligent damages lying, taking advantage of a customer 's trust they have me gambling account they charge feed overdraft on all accounts double charges bank of america enough is enough .... lost a lot of money in the last week for not even having any money, I lost XXXX XXXX dollars, they don't even know how I pay electricity, water, rent, telephone, everything is in arrears, I have nothing up to date because of them, I have never experienced such mental abuse. 
lost a lot of money in the last week for not

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