Consumer complaint received 2023-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Regarding Claim # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX On XX/XX/XXXX a claim was filed for the transaction with the amount of {$240.00}. 

When the claim was filed the first thing that I requested is that no provisional credit is issued until the investigation completes, but Bank of America not only ignored my request, but they did so in a way that put my account in a bad position. 

Claim Filed for a Non- XXXX XXXX XXXX XXXX Issue : Screen lifted when removing the screen protector, this defect falls under the deductibility of {$29.00}. 

I contacted XXXX and informed them that the screen lifted when removing the screen protector, they advised me to contact XXXX as it should fall under the manufacturers warranty. I did call XXXX after being informed, XXXX said that I need to file it with XXXX. 
I called XXXX back, so they proceeded to file the claim. After the claim was filed the charge on the account was noticed, XXXX representative stated that once they receive the device back ( defective device ) that the charge will be removed only leaving a charge of {$29.00}. 
Well after they received it back they never issued the refund, I did not want to go through the bank and wanted to deal with XXXX directly. 

I called XXXX on 2 occasions on 2 different days, they responded to contact the bank as if there was an agreement between both BOA and them. 

FACTS : 1. Deductible states {$29.00} 2. Replaced device with a carrier associated type, the reason that I purchased the phone directly from XXXX is to prevent all the bloatware. 

There was a claim that I filed months ago which was from a gas station, I that was a horrible experience and still not resolved in my end. That experience has allowed me to be specific with this claim. 


I wanted to provide Bank of America with the following. 
XXXX. The terms from XXXX show the rates and Deductible. 
2. The plan that I was enrolled in 3. Other pertinent information which would have made this claim a certain one. 

This is now the 2nd time this occurred, BNAK OF AMERICA MADE IT CLEAR THAT I AM NOT TO SEND ANYTHING, THEY ADVICED ME THAT IF ANY ISSUES PERTAINING THE CLAIM ARRISES THAT THEY WILL SEND A LETTER PROVIDED THE FOLLOWING INFORMATION - FURTHER DOCUMENTATION THAT PROVIDES EVEIDENCE TO MY CLAIM BANK OF AMERICA HAS NOT REQUESTED ANY INFORMATION, RATHER THEY TOOK THE FUNDS OUT OF THE ACCOUNT WITHOUT ANY NOTICE. PLEASE DO NOT SAY THAT A LETTER WAS SENT OUT BECAUSE I CHECKED EVERY EMAIL THAT I RECEIVED FROM THE USPS EVERU MORNING ON THE MAIL THAT WILL BE RECEIVED THAT SAME DAY I, THE PERSON WHO FILED THE CLAIM IS GIVEN A PROVISIONAL CREDIT WHEN I REQUESTED THAT THE CREDIT IS NOT ISSUED UNTIL THE CLAIM IS COMPLETED. BANK OF AMERICA HAS ALLOWED THE MERCHANT TO RESPOND TO THE CLAIM ALLOWING A DENIAL AND NOT ALLOWING ME THE OPPORTUNITY TO PROCEED. 

I AM NEEDING SOMEONE TO IMMEDIATELY REVIEW THE CLAIM AND DO HE RESEARCH, I AM OBLIGATED TO AN EXPLANATION FOR WHY THE CLAIM IS DENIED SO IF IT STILL STANDS THAN FOR MY RECPRDS I WOLLD NEED THAT INFORMATION. BY NOT GIVING ME THE OPPORTUNITY TO PROVIDE ANY DOCUMENTS OR EVEIDENCE SHOWS THAT THE CLAIM IS BEING HANDLED WITH BIAS. 

MEANWHILE DURING THE RESEAARCH I NOW NEED TO FUND TO BE APPLIED BACK TO THE ACCOUNT UNTIL YOU HAVE COMPLETED THE RESEARCH.

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