Consumer complaint received 2021-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
in XXXX of 2021 unauthorized charges by XXXX of California. was summitted to My Bank of America Account ending in XXXX. .The Method used by XXXX XXXX is Revolving charges to my Debit card / last XXXX ex/XXXX. Three charges was levied for $ XXXX.three days in a row. from California USA. Bank of America Alerted me of the charges, but failed to hold or deny these charges, Even after I phoned the Bank informing them, of fraud /unauthorized nature of the charges .amounting in excess of {$100.00} USD.

I informed Bank of America of the fact that I have no knowledge of how these transactions originated. I informed BOA that I'm completely unaware of how my Banking ID was obtained and used by the Company / predators. The bank was vague in providing me the abality to view what the charges was for, the limited information alleged Shopping implying, I had physically used the Debit Card to purchase merchandise in California USA., Ironically a revolving charge was in place for this fraud. Bank of America 's fraud Department spent much time on the phone only to suggest cancelling the Debit Card the charges was assessed to. 
I reside in XXXX XXXX .With XXXX Address and USA APO . Of course Bank of America is well aware of this fact. This is not the only case of Bank of America 's habitual bullying intimidation and charges for products not ordered. Lock out from online banking sending codes that block access to my account. to buy time. Cheek orders not placed or Business Checks orders placed instead of personal checks .it is a constant stress born experience attempting to have a bank account with BOA .I 'm unable to find another bank due to the cat I'm not physically in the US. The account in question is a joint account, with me as the Primary owner and a family member as secondary. On other occasions charges from XXXX have showed up on the account the family member disputes. BOA refuse to allow the Secondary owner to refute unauthorized Chagres according to the famiy member. One the XXXX Charges BOA systematically manipulated legitimizing validated a fraudulent entity to level charges agsint my funds at will randomly .Claiming XXXX Refunded one of the three charges and the bank refunded two of the false charges. However on XX/XX/XXXX or XXXX BOA debited a {$48.00} + on the new Card issued to replace the old card. Claiming an overpayment to me. Without Notice the account fell into a {$2200.00} deficit .setting me up for overdraft fees., No alerts was sent to me, Instead an alert was sent to the crowner on the Account, it was sent to Another persons email address addressed to me this is a clear cause of deliberate concealment of important activity on my account, Had the family member been sleeping or to ill to contact me, the bank would have profited off this fraud by leveeing overdraft fees. The famiy member account owner is ill and on oxygen only able to speak for no longer than two to three minutes, We are not financially wealthy, But we deserve to be able to use what we do have as we choose free of Corporate theft. Each time these abuses such unfolded I wanted to file complaints with none biased helpful agencies but the Bank seems to be compliant for a time, but it is short lived it is obvious this is selective habitual fraud and abuse against selected people of XXXX My Poor Son suffered with XXXX XXXX, had small XXXX direct deposited with a co account owner before he passed away recently at age XXXX, was subjected to the same fraud and abuse 's by BOA This is a form of domestic abuse =power and control resource hijacking emotional mental finical abuse resulting time consumed to try to fix a unfixable cruel game of win lose Staffed with professional AGAINST people who are helpless. It is time for this to be exposed and stopped. this is for my GREAT grand parents grand parents, PARENTS my CHILDREN AND GRANDCHLDREN AND ALL POOR PEOPLE WHO ARE SUBJECTED TO THIS systematic traditional corporate fraud and abuse. 
XXXX XXXX XXXX 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 monetary relief