Consumer complaint received 2019-12-28
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: Overdrafts and overdraft fees

Complaint:
My checking account with Bank of America was excessively charged overdraft fees and Return Item fees, which prevented me from paying my bills and meet my financial commitments on a timely basis ; which also resulted in the accumulation of fees to other financial institutions, such as return item fees and late payment fees. The reason as I see it are the decisions that Bank of America made in regard to debit card disputes and fraudulent activities. I would like also to state that In the months of XXXX, XXXX, and XXXX I was moving from an apartment to another, which prohibited me from managing my account accurately and accessing it was not available all the time. In addition, from XX/XX/XXXX, to XX/XX/XXXX, I joined the XXXX and atteneded a four-month training, and accessing/managing my account was impossible since I did not have any kind of communication whether it was online, by phone, or in person. I talked on several occasions to service agents on the phone and in-person to refund the fees and explained my situation but my request was denied in every attempt. I will list the number of fees including dates, amounts below : The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$12.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} Total = {$180.00} The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} Total = {$350.00} The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} Total = {$210.00} The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} Total = {$35.00} The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} Total = {$380.00} The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} Total = {$240.00} The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} Total = {$100.00} The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} Total = {$70.00} The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} Total = {$210.00} The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} Total = 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 explanation