Consumer complaint received 2023-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In or around late XXXX early XX/XX/XXXX checking account with BOA garnished for around {$9000.00}. ( it was for almost {$4000.00} which was wrong anyhow all of it and BanK Of America hold onto XXXX amount of money ) I had a death in the family I was away and had another death in the family. I need to leave again I was very confused. I did not know it was a garnishment, and BOA treated me as though they didnt know me and they wouldnt give me any information. Finally, a woman by the name of XXXX left me a message and I have that message in full The details of this matter have haunted me since then, and since Im having so much trouble with Bank of America, I want to make an inquiry. XXXX said this company didnt give them any dates but held onto my money. This was during Covid. The banks were closed so I couldnt go into the bank and the courts were closed.. 

At a certain point they told me because the people had filed paperwork incorrectly that I could do something to release the money they kept a hold on my money for many months I think, until after XXXX the company ended up taking out {$6000.00}. This is a company that said they served me and I never received being served. I didnt even live at the address on the date that they said that they served me. It was an issue with that landlord. There was a bunch of illegal things going on at that apartment they told me I wasnt a good match for the roommates there. It was many years in the past and during Covid they took advantage of the situation and did this weird garnishment and I have paperwork proving everything in any case Im reading about Bank of America on XX/XX/XXXX issuing consent order against BanK Of America for freezing peoples account and turning over Consumer funds to pay off court ordered that they found a Bank of America engaged and unfair and deceptive ask and practices in violation of the Consumer financial protection active XXXX specifically a Bank of America unfairly required consumers to wave. Its liability as to consumers garnishment related protections, and its deposits, agreements, misrepresent it to consumers that they could not go to court to attempt to prevent wrongful garnishment..im reading about Bank of America XXXX XX/XX/XXXX issuing consent order against BanK Of America for freezing peoples account and turning over consumer funds to pay off court ordered that they found that BanK Of America engaged and unfair and deceptive acts in practices in violation of the Consumer financial protection act of XXXX, specifically a bank, America unfairly required consumers to waive its liability as to consumers garnishment related protections in its deposits, agreements misrepresented to consumers that they could not go to court to attempt to prevent wrongful garnishment Also, my account had an SBA loan that is not allowed to be used to pay for personal debt. I also was told by an employee at the bank that the company turned in paperwork to them that was not complete wasnt filled out properly, and that was to my advantage but they did nothing to help me. I do intend on taking this up in court eventually to dispute this companys unlawful attempt to get money for me. Ultimately they were supposed to take {$3000.00} but they took over {$3000.00} more, including a fee that Bank of America took for handling this transactions for my adversary XX/XX/XXXX Had a conversation with a woman by the name of XXXX from Bank of America I was told by the company that in the judgment against me BanK Of America was supposed to send me a check for {$3600.00} and I have this conversation recorded as well but BanK Of America never sent me that money theyre saying because I had money in my account they were not gon na send me {$3600.00} that I was told they were going to. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want this investigated to see if they follow the proper protocol and see if they robbed me because Im seeing that Bank Of America was sued for this on XX/XX/XXXX of XXXX docket number XXXX CFPB XXXX Post order/post judgment. The consent order requires Bank of America to refund at least & XXXX. Or cancel Associated unlawful garnishment related fees and pay a {$10.00} XXXX civil money penalty. The order also requires Bank of America to review and reform its systems for processing ornament garnishments I was garnished before this date so I have a funny feeling in a sneaky suspicion. They did This incorrectly, and possibly illegally I dont believe BanK Of America sent me any information. I could be wrong, but I didnt receive any information. They wouldnt tell me what this thing was. They held onto my money for many many many months, and far more money than his company said they were going to take was taken. I really couldnt find it because I could not go to court during that time BanK Of America has done many many wrong things a lot of things to put me in a lot of problems. I dont trust him at all and now that I ran into this information I want to see if they handled what happened to me correctly because Im haunted by that amount of money being able to take away from me and not even the amount that the company said they were going to take that it happened at all and that Bank of America took of Fee and also the money I was told they were supposed to give me a {$3600.00} never happened.

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