Consumer complaint received 2018-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint is about Bank of America. They have stubbornly refused to acknowledge their error and simply correct it. 
Instead, they have done everything deceitfully and recklessly to distance themselves from their systematic error. Theyll rather burden a customer and let them suffer the consequences of the bank defective system. On the end of XX/XX/XXXX, an unauthorized payment was debited from my checking account with and by bank Of America. When I contacted customer service, they suggested that I file a claim. I did as directed. The bank credited my account an amount of {$2300.00} on XX/XX/XXXX pending investigation. Although bank associates had conflicting answers, most of them asserted there was nothing to investigate since there is no third party. ( Its internal error and the first credit was irreversible ) On XX/XX/XXXX Bank of America mistakenly reissued another credit of exact amount. I was not made aware of their error and the credit. This horrendous error was not expected and was never noticed until its reversal on XX/XX/XXXX. No notification or correspondence from bank Of America to notify me of the unanticipated credit until it was disastrously reversed. 
Facts : based on their letter of rebuttal, the reversal of the credit was for the credit of XX/XX/XXXX. Why there is unforeseen, and impromptu credit onXX/XX/XXXX and Where is the reversal of the credit issued by the bank on XX/XX/XXXX???? 
Bank of America mistakenly committed gross error by double crediting my account.I was totally oblivious of the credit because I have a business transactions linked to the same account and its a joint account. Not until the bank reversed the mistaken transaction ( 6 weeks later ) that I noticed the error OnXX/XX/XXXX the bank reversed their transaction without any warning or any notification. 
The reversal placed my account in a negative status. All transactions with bill payments were returned for insufficient funds and dozen of {$35.00} fees for every transaction made my account in a deeper negative standing. Many of my credit cards and car payments were unpaid. The impact of their fatal error impacted my credit. Between XX/XX/XXXX and XX/XX/XXXX over 40 unpaid transactions caused me over {$1500.00}. of fees. The bank fees caused my checking account to be deeply overdrawn. As a result, it became harder to restore my account in positive status. 
My credit score went from XXXX to XXXX because payments were rejected and unpaid due to withheld fund. My bank account was in a negative status for several weeks. 
I have previously filed a complaint with CFPB and after a very lengthy adjournment, they came up with questionable and inconclusive findings. EVIDENTLY AND BEYOND ANY DOUBT, BANK OF AMERICA HAS INTENTIONALY AND MELICIOUSLY CONCEALED THE TRANSACTION DISPLAYING THEIR GROSS ERROR. IN THEIR FINAL REPLY TO MY COMPLAINT TO CFPB THEY PROVIDED COPY OF THE TRANSACTIONS. IN THEIR 3 PAGES THEY EXHIBITED ALL TRANSACTIONS EXEPT and MYSTERIOUSLY THE ONE CAUSING ALL THE ADVERSITY. ( ENCLOSED COPY OF THEIR PRESENTED STATEMENT ) To prove my claim, I am forwarding copy of the statement sent to me as rebuttal. The type of statement can only and exclusively generated by Bank of America internally. It looks fraudulent for it conceal the transaction of XX/XX/XXXX ( the foundation of all the problems ) and I am forwarding the bank statement directly downloaded from my online banking. The customer one ( MARKED AS A1 shows both credits include the inaccurate credit of {$2300.00} The statement from the bank cancelling the transaction of XX/XX/XXXX.the, BANK STATEMENT FORWARDED WITH THEIR REBUTTAL MARKED AS ( B1, B2 AND B3 ) IS INDISPUTABLY SUSPICIOUS ; EVIDENTLY MALICIOUS It should be thoroughly investigated by The Attorney General.

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