Consumer complaint received 2017-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America frequently takes funds from my credit line when there is enough money in my bank account to fund my purchase. In addition to this, they charge a {$12.00} overdraft fee. These unnecessary fees for fund transfers that should 've never been authorized have accumalated to a total of {$100.00} fee that should be refunded. 

BOA continues to state that I should check my account at XXXX EST to make sure that it 's not negative before i make a purchase. HOwever, I have done this, multiple times, and they continue to unethically take money from my credit line and charge me a fee. 

BOA is either : a. ) being deceptive and not letting it 's customers know the exact cutoff time ( it might not be XXXX in California ). 
b. ) Is n't being transparent and notifying customers in a timely matter that they are on a negative. ( notifications are usually received after a day ). 
c. ) The MObile app does n't update the bank balances in a timely manner. This is deceptive. WE are in an age that people depend on their technology devices for their livelihood. 

Cases : Bank of America frequently takes funds from my credit line when there is enough money in my bank account to fund my purchase. In addition to this, they charge a {$12.00} overdraft fee. These unnecessary fees for fund transfers that should 've never been authorized have accumalated to a total of {$100.00} fee that should be refunded. 

BOA continues to state that I should check my account at XXXX EST to make sure that it 's not negative before i make a purchase. HOwever, I have done this, multiple times, and they continue to unethically take money from my credit line and charge me a fee. 

BOA is either : a. ) Being deceptive and not letting it 's customers know the exact cutoff time ( it might not be XXXX in California ). 
b. ) Is n't being transparent and notifying customers in a timely matter that they are on a negative. ( notifications are usually received after a day ). 
c. ) The MObile app does n't update the bank balances in a timely manner. This is deceptive. WE are in an age that people depend on their technology devices for their livelihood. 
d. ) There is no literature anywhere on the Internet on when the cutoff time is before Bank of America is authorized to access my credit line. The phone representative told me XXXX PST. However, I know that this is n't the case. 

Cases : XX/XX/XXXX : Bank of America took {$100.00} from my Credit Line when there was enough money to cover my transactions on XX/XX/XXXX at XXXX PST. An additional {$12.00} Overdraft Fee was charged. 
XX/XX/XXXX : Bank of America took {$100.00} from my Credit Line when there was enough money to cover my transactions on XX/XX/XXXX at XXXX PST. An additional {$12.00} Overdraft Fee was charged. 
XX/XX/XXXX : Bank of America took {$100.00} from my Credit Line when there was enough money to cover my transactions on XX/XX/XXXX at XXXX PST. An additional {$12.00} Overdraft Fee was charged. 
XX/XX/XXXX : Bank of America took {$100.00} from my Credit Line when there was enough money to cover my transactions on XX/XX/XXXX at XXXX PST. An additional {$12.00} Overdraft Fee was charged. 
XX/XX/XXXX : Bank of America took {$100.00} from my Credit Line when there was enough money to cover my transactions on XX/XX/XXXX at XXXX PST. An additional {$12.00} Overdraft Fee was charged. 
XX/XX/XXXX : Bank of America took {$100.00} from my Credit Line when there was enough money to cover my transactions on XX/XX/XXXX at XXXX PST. An additional {$12.00} Overdraft Fee was charged. 
XX/XX/XXXX : Bank of America took {$100.00} from my Credit Line when there was enough money to cover my transactions on XX/XX/XXXX at XXXX PST. An additional {$12.00} Overdraft Fee was charged. 
XX/XX/XXXX : Bank of America took {$100.00} from my Credit Line when there was enough money to cover my transactions on XX/XX/XXXX at XXXX PST. An additional {$12.00} Overdraft Fee was charged. 
XX/XX/XXXX : Bank of America took {$100.00} from my Credit Line when there was enough money to cover my transactions on XX/XX/XXXX at XXXX PST. An additional {$12.00} Overdraft Fee was charged. 
XX/XX/XXXX : Bank of America took {$100.00} from my Credit Line when there was enough money to cover my transactions on XX/XX/XXXX at XXXX PST. An additional {$12.00} Overdraft Fee was charged. 
XX/XX/XXXX : Bank of America took {$100.00} from my Credit Line when there was enough money to cover my transactions on XX/XX/XXXX7 at XXXX PST. An additional {$12.00} Overdraft Fee was charged.

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