Consumer complaint received 2020-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , ct XXXX email : XXXX XXXX Claim # XXXX : {$150.00} and claim # XXXX : {$4500.00} On XX/XX/XXXX, I led a claim with Bank of America because I discovered that XXXX XXXX have been debiting money from my account since XX/XX/XXXX for unauthorized purchases totaling {$4500.00}. 
I disputed the transactions with Bank of America ( BOA ) and my account was temporarily credited the sum of {$150.00} on XX/XX/XXXX. I made a request for this amount to be removed from my account because it is a temporary credit.Please note, this is a false balance and I am trying to avoid an overdraft fee in the event BOA decide to reverse the temporary credit. 
A few days later, I received another letter dated XX/XX/XXXX informing me that Bank of America had researched my claim. The letter further stated that their records showed the transaction activity was authorized and correctly posted and the case was closed. 
I am very disappointed with that decision and I am disputing your ndings. Since the letter indicated that the charges to XXXX XXXX were authorized and correctly posted, I would like to know who authorized those charges. 
I previously had an XXXX XXXX XXXX account, which I used occasionally to go to and from the grocery stores.I have not used the XXXX XXXX XXXX services for quite some time and I am not sure when I canceled the XXXX XXXX XXXX account.Whenever I use their services in the past, the cost of the ride would show up on my phone for conrmation.I would add a tip, comment on the drivers performance and authorize the payment. 
Since I did not authorize any of these XXXX XXXX delivery transactions and have never used XXXX XXXX   services, I should not be held liable for these charges. I believe I am a victim of fraud and my account has been compromised. 
In the print out requested above, I would like to see the following listed below : State and town these trips occurred. 
Name or names of the restaurants and their locations. 
Date XXXX XXXX account was opened. 
Phone numbers of the accounts registered with XXXX XXXX. 
Reason these charges did not appear on my phone for conrmation and authorization as they did in the past for XXXX XXXX XXXX. 
Whether or not phone numbers on the XXXX XXXX account matches the phone number on my BOA account. 
Please note, I have never requested paperless statements and I did not ask for my paper statements to be canceled. I have not received a bank statement in years and would like to return to monthly paper statements e ; ective immediately. 

Whenever I go the bank for assistance, I generally have to wait a long time or given an appointment to return the next day ; which is very frustrating and time consuming. 
This is a very serious matter that needs to be resolved as soon as possible. Thanks in advance for your prompt attention to this matter. 
Respectfully, XXXX. 


*** I have since received a claim amount for {$150.00} but two denials for the claim in the amount {$4500.00}. 
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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