Consumer complaint received 2019-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My name is XXXX XXXX XXXX and I have an account with Bank of America. On XX/XX/XXXX I submitted a claim for " goods not received '' assicociated with checking account ending in XXXX, which was eventually denied by BOA as they stated because of the payment platform, which was XXXX, they could not get involved. Which I disagree. Had this been true they would have rejected the claim initially. However, my main complaint is about this issue as they supposedly made a credit to my account per their representative XXXX, today, XX/XX/2019 for overdraft charges they stated they assumed were associated with this dispute which was from 2 months prior ( rep XXXX, Id # XXXX, whom I spoke with today XX/XX/2019 said they were from overdrafts from XX/XX/XXXX and XX/XX/XXXX? ).  This is ridiculous. I never made a request or a dispute regarding ANY overdraft charges that occurred during the time of the initial disputed charge, further I would like them to please produce {$220.00} dollars worth of overdraft charges that accrued on the day of purchase or remotely near the date of purchase that totaled {$220.00} in non sufficient fund or overdraft charges. This seems to be a plot to cause me to go further into debt with them because I felt like they knew they would ultimately deny the claim and this would cause additional overdrafts in my account. They stated today they gave me a credit on XX/XX/19 that I again NEVER requested for overdraft charges. These were bundled together in 2 different deposits, one for {$70.00} and {$170.00}. They never sent a letter stating they were issuing this credit and again I never requested this credit I only requested the dispute for goods not received for the claim on XX/XX/19. This practice seems deceptive and elusive. They never sent me any paperwork stating we have credited your account for items we feel were associated with this claim and provided a detailed list of overdrafts and ask me to verify. They just took it upon themselves to credit my account and remove the funds later with no realistic explanation and detailed transactions list that could even remotely be associated with the claim. They just bundled some charges into two seperate transactions and credited my account and cant give me a reason they felt the need to do this. I didnt even realize the account was credited because I have high volume checking and it was easy to miss as I had alot of various deposits/ transactions being made into the account at this time. They could have also been courteous enough to tell me that they were going to be debiting this amount back out on said date with a detailed explanation of a judgment call they made unbeknownst to me about the reason they " believed '' {$220.00} dollars worth of overdraft charges were associated with this one transaction I disputed. This just seems deceptive I am already struggling to stay afloat after recent health issues that is causing finacial hardship. They couldve just waived the fees as I am sure they have made {$1000.00} 's of profits off my accounts over the course of my long relationship with them. They stated they couldn't fight the goods not received charge because of the " selling platform '' but they DO have the authority to waive these fees especially because they never advised me they were doing this and why, including providing a detailed list of transactions these charges were associated with or even " thought '' to be associated with my dispute submitted on XX/XX/19.

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