Consumer complaint received 2017-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX " XXXX XXXX XXXX " wrongfully '' placed a legal order on my business account ( XXXX XXXX XXXX XXXX ) with Bank of America. {$13000.00} plus a {$100.00} legal order fee was garnished from my bank account without ANY NOTIFICATION ( phone call, email, or US postal services ). Less than 30 days before my funds were taken, {$12000.00} was deposited in my account from my " 401k '' on XX/XX/XXXX. I faxed a copy of the document as well as my bank statements to show proof to XXXX XXXX. When I spoke to XXXX XXXX, with " XXXX XXXX XXXX '', she asked my name and she did n't know who I was and I was not in her system when she looked me up. I informed her my funds were taken from your company from my business account, she asked what was the company name and she did n't have a clue of who my company was. Seems odd that my bank gives me a contact person from a company I never heard of, for me to discuss why my funds have been taken and they tell me they do not know who I am or my company!! This same lady that Bank of America tell me to contact advised that she has ability to freeze funds BUT NOT TAKE THEM! Sounded as if she was placing the blame on someone other than herself. I was able to get the legal documents from Bank of America, and it was clear that her company took my funds and I nor my company had any relevance to them. Also, Bank of America does not have a legal document in my file that justify them releasing my funds. Every person that could have had any relevance to why my funds were taken, does not have my name or company name on file. The cover page of the documents had XXXX XXXX as the contact person. When I contacted her, considering she is the contact person in my LEGAL DOCUMENTS FROM BANK OF AMERICA, when I told her my name and my company name, she looked all through her system and she did not have a clue who I was. She asked me was I sure her company took my funds, and I informed her I am looking at the legal documents from Bank of America and you are the contact person regarding this matter. She is who I faxed and emailed documents to. Initially she was helping me but then she informed me that she passed my information to XXXX XXXX. I called XXXX back because I have yet to hear from anyone, she informed me she fw my information to there attorney. **Note my business bank account was CLOSED XX/XX/XXXX. FUNDS were TAKEN XX/XX/XXXX, 401k DEPOSIT XX/XX/XXXX, legal document was PLACED IN FILE " XX/XX/XXXX ''. From my understanding, there HAS TO BE LEGAL DOCUMENTATION ON FILE TO JUSTIFY ANY FUNDS TAKEN FROM A PERSON ACCOUNT unless its the IRS or something. There is no document in my file to justify my funds being taken!! I NEVER received a phone call, email, or US postal service for me to respond to regarding this matter. Nobody from B of A would speak to me, they passed the contact name XXXX XXXX and told me that is who I need to contact!! I did n't get my hands on the legal document in my file until XX/XX/XXXX, I would NOT know the details of who took my funds or who to directly contact until I got this information. XXXX XXXX, who works for XXXX XXXX XXXX, told me she did n't know who took my funds and advised me to contact someone else. REMIND YOU, THIS IS THE WOMAN BANK OF AMERICA HAS ON FILE FOR ME TO CONTACT REGARDING THIS MATTER!!! Thankfully I was able to retrieve the legal documents.

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 explanation