Consumer complaint received 2023-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I HAD AN ACCOUNT WITH BANK OF AMERICA ON AND OFF SINCE XXXX. IN XXXX OF XXXX ( AND BANK OF AMERICA IS LYING WHEN THEY SAID THEY LOWERED THEIR NSF FEES FROM {$35.00} TO {$10.00} LAST YEAR, THEY CHARGED ME THE FULL AMOUNT OF {$35.00} ) I HAD A BILL PAY I WAS UNABLE TO STOP BECAUSE THEIR HOME BANKING WOULD NOT RECOGNIZE THE PASSWORD I WAS USING CORRECTLY FOR MONTHS AND THIS WAS A CONSTANT PROBLEM WITH THEIR ON LINE BANKING SERVICE. I HAD TO CONSTANTLY CHANGE MY PASSWORD SOMETIMES MULTIPLE TIMES A WEEK OR EVEN A DAY.

I HAD 11 ACCOUNTS TO PAY ON LINE. BANK OF AMERICA NOT ONLY DID NOT PAY ANY OF THE ACCOUNTS, THEY OVERDREW MY CHECKING ACCOUNT XXXX XXXX AND THEN ONE OF MY ACCOUNTS WITH XXXX XXXX XXXX XXXX CHARGED ME A RETURNED CHECK FEE OF {$25.00} FOR A PAYMENT THAT WAS NEVER SENT, I HAD A XXXX XXXX XXXX BEFORE BANK OF AMERICA SCREWED UP MY FINANCES. 
I WAS BROKE FOR MONTHS, THEN I GOT XXXX IN XXXX AND THAT CAUSED XXXX OR XXXX OF MY CREDITORS TO CLOSE MY CREDIT CARDS BECAUSE I WAS TOO ILL TO PAY MY BILLS DESPITE NOTIFYING THEM & MY CREDIT XXXX IS NOW AT XXXX AND IS RUINED. 
IT ALSO AFFECTED MY HEALTH. 
I HAD TRIED GOING INTO A BRANCH TWICE, CALLED XXXX BANKING AND MET WITH A XXXX WHO HAD SAID SHE WOULD GET MY MONEY REFUNDED AND LIED AS WELL. 
IN XXXX WHILE I WAS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  FOR XXXX WEEKS, B OF A WHICH HAD CALLED ME A " VALUED CUSTOMER " SINCE XXXX CLOSED MY ACCOUNT, REFUNDED ME {$35.00} AND STILL EXPECTS ME TO PAY THEM {$370.00} IN FEES. 
I RECENTLY WROTE THEIR CHAIRMAN AN EMAIL & MONDAY I GOT AN EMAIL FROM THEIR CLIENT CARE FROM A XXXX XXXX AT B OF A XXXX EXT XXXX AND DESPITE 4 MESSAGES WITH MY PHONE NUMBER, XXXX XXXX HAD THE TIME TO LEAVE A MESSAGE ON HIS VOICE MAIL SAYING HE WILL BE OUT OF THE OFFICE TODAY BUT WILL BE BACK MONDAY TO DEAL WITH COMPLAINTS YET HAD NO TIME ALL WEEK TO CONTACT ME. 
I THINK THE CFPB IS NAIVE IN EXPECTING *** THIS *** BANK TO DEAL WITH THIS CRIMINAL ACT IN 90 DAYS BECAUSE I HAVE GONE THROUGH THIS BEFORE WITH XXXX XXXX BANK OPENING ACCOUNTS IN MY NAME, OVERDRAWING MY ACCOUNT AND LEAVING ME BROKE & DESPITE MY GOING INTO THEIR XXXX XXXX HEADQUARTERS 3 TIMES, LEAVING PHONE CALLS AND EMAILS FOR MONTHS IT TOOK ME 18 MONTHS TO GET MY MONEY BACK. 
MY GIRLFRIEND HAS A BANK OF AMERICA CREDIT CARD AND SHE GOT IT BECAUSE THEY OFFERED HER POINTS WHICH SHE NEVER RECEIVED. 
THE FED & YOU FINED B OF A AND XXXX  WAS FINED AND EMPLOYEES AND BOARD MEMBERS AND THE HEAD OF XXXX XXXX CONSUMER BANKING WAS FORCED TO RESIGN BUT EVEN WITH THOSE OFFICERS PAYING BACK MONEY, THE CROOKED PEOPLE RUNNING THESE XXXX BANKS COMMITTED OR WERE ABETTING IDENTITY THEFT AND SHOULD HAVE GONE TO PRISON & DIDN'T. 
I AM A POOR XXXXXXXX XXXX XXXX XXXX XXXX XXXX ON SSI & MY FINANCIAL LIFE AND HEALTH WERE RUINED BY THESE 2 " TOO BIG TO FAIL " BUT NOT TOO BIG TO STEAL FROM THEIR CUSTOMERS. 
I HOPE YOU CAN DO SOMETHING TO HELP ME ON THIS MATTER. 
IT IS WAY PAST TIME TO CRACK DOWN ON THE CROOKED PEOPLE RUNNING THESE MAJOR BANKS AND SEND THEIR CEO 'S, CHAIRMEN, BOARD MEMBERS AND EMPLOYEES TO JAIL FOR THEIR FINANCIAL CRIMES. 

CALIFORNIA VICTIM TWICE OF THE CROOKS.

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