Consumer complaint received 2021-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
They should wave the {$300.00} they are charging me in which they created by charging and then reabsorbing credits after their negligence allowed my account to drop below XXXX. They should give me back my {$35.00} in overdraft protection money and close my account. They should also contact the Credit Union and explain that due to an error made on their part THEY made me fall further and further below balance, multiple times a month. 

I took multiple screenshots of my account then, which clearly showed that after I put {$50.00} dollars in the account, the deduction of {$100.00} was made and brought my account below balance. However now the account has been altered, making it look like I made many charges that brought the account below balance BEFORE the {$100.00}. I did not do that. Why would I do that? Why would I bring myself below balance? What could I possibly gain from going broke? And why didn't the overdraft protection PROTECT ME FROM OVERDRAFTING? 

I have been banking with BOA since I was 16 and have had over draft protection for years. In fact my overdraft protection has helped me in the recent past. Last year BOA started double charging me for my monthly fee and after months of me calling and no resolution to the issue I opened a new checking account with a new bank and notified my Loan and utilities of my new account and directed them to charge the new account. However my loan massed up and charged BOA after I had just deposited {$50.00}, I called both BOA and the Loan to check that week that they would NOT charge my BOA account. I also called BOA and instructed to not let any charges go through. I was horrified tp find out that not only did my loan charge my account but that the overdraft protection FAILED to stop the charge. I have been calling every week, I have placed a previous complaint with CFPB and I even got a lawyer to help. 1 day before the cut off date BOA sent a response to me and CFPB which turned out to be a directive, directing me to call a person in the resolution department. This person does not pick up my calls or my lawyers calls nor do the resound to emails or physical letters. Corporates has not responded to me or my lawyer. During this whole time BOA has been issue issuing Credit of {$15.00} and {$100.00} which they then reabsorb a few weeks later. They now report my debt to be {$300.00}. I have been calling and writing and making every possible step to resolve the issue. I have even called and asked them to please stop posting these credits. If the overdraft protection has been changed or is no longer provided I should have been notified but regardless, I notified my other bank from loan to NOT charge my account. I gave them all the information. I made sure there was money in my account. 
I will attach my document that shows dates and MUCH greater detail. I have tried so hard to speak to the " Resolution Specialist '' but I never get a call or any response. I want to close my account. This is a big betrayal of my customer loyalty.

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