Consumer complaint received 2023-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
From XX/XX/XXXX Ive had trouble accessing my account my funds, unable to be authenticated with my phone number, not getting my funds disputed like they should. I went and get all statements and transaction by transactions I noticed they didnt when they stated they did give me my funds back and moved transactions either before and over 5 days after the transaction took place. It shows merchants that refunded me money now that was wasnt refunded when i Disputed the transactions. It shows me using a a XXXX device and I never used a XXXX. Every time I call they make me go to the bank after just two days prior I was able to be authenticated from my cell phone. My email is being changed without consent. ATMs declining withdrawals when funds are in there. Claims I filed are not on file anymore it appears as if I never called I noticed on the statement that doesnt show on the mobile app I had to get from the bank branch showing from the time I opened the account I deposited a total of {$980.00} from XXXX I only had a total of {$760.00} worth of transactions. Which is. {$210.00} left for The next statement that shows XXXX starting balance was {$210.00} but their statement shows only {$34.00} as the starting balance which is false! The total deposits for XX/XX/XXXX shows the same transactions on the XX/XX/XXXX statement which is approx {$23.00} on XX/XX/XXXX that actual day the new statement came out! The total deposit amount was {$2600.00} card substractions is {$2500.00} but thats counting transactions I disputed they said they gave me back and didnt and transactions I didnt make plus it shows XXXX XXXX as a separate substractions and a total of {$33.00} in service fees. If I take the correct starting balance {$210.00} on XX/XX/XXXX plus my deposits {$2600.00} plus the transactions I disputed and the transactions they said they reversed but didnt {$29.00} {$32.00} {$3.00} {$1.00} {$1.00} & XXXX that would be {$2900.00} substractions {$2400.00} which my ending balance would be {$440.00} starting the next statement from XXXX it shows me- {$39.00} total deposits XXXX withdrawals XXXX other substractions {$140.00} service fees XXXX with an ending balance of {$100.00} which is false because my beginning balance should have been {$440.00} deposits added equals {$3800.00} minus their substractions equals {$3100.00} which leaves my ending balance at {$590.00} but my statement shows my balance is {$100.00} at the end of XX/XX/XXXX for my next statement shows beginning balance {$100.00} but it should be {$590.00} with total deposits of {$2900.00} total subtractions and service fees {$2700.00} with an ending balance of {$270.00} but that false it should be with the beginning balance plus deposits equals {$3500.00} minus {$2700.00} equals ending balance on XX/XX/XXXX {$760.00} not {$270.00}. I filed XXXX claims on this statement they told me they have it back but didnt XXXX I opened a new account and they stated they wouldnt link the new debit card to the new account but they did. My device XXXXXXXX XXXX link to the bank account was compromised all my tax documents my FTC reports CFPB reports credit reports bank statements. Photos of me and my kids from babies are all gone remotely accessed and gone. They have to be selling my information to creditors whom think I owe them money due to me noticing XXXX on credit report, it shows and XXXX Im using, Duplicated XXXX storage charges on account I filed but never got my money back for duplicated XXXX care loss and theft insurance gone every claim I file they stated they filed the claim but there is no evidence of it which brings me to this I bouht my own router to see if my info was being compromised via wifi and it showed XXXX devices mine and someone elses sharing the same IP AND XXXX ADDRESS and remotely turning on after I turn off XXXX BINDING NAT FORWARDING ITS TURNED BACK ON. Right now my balance is {$0.00} nothing to shows for it due to some one doing an account take over I tried to file a XXXX report my phone wont allow me to it shows my IP intrusion like Im the bad person but someone is masking their device identity attached is proof of being alerted of someone changing my email and phone number there are numbers on the account I never out there have no idea how they got there but its happening it shows my payment for my rent forn {$660.00} cant be found but its on my statement it was sent by check. Was it stolen

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