Consumer complaint received 2022-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2022, I, XXXX XXXX, owner of XXXX XXXX, was hired by a " XXXX XXXX '' to bartend his mothers XXXX birthday party. I charged said client for my services and liquor in the amount of {$2300.00}. After multiple phone calls with said client, I strive to provide the best service possible and kept answering / building rapport with him. The biggest factor about this entire situation too is that the service was never rendered. 

By XX/XX/2022, the disputes for multiple transactions started to occur. The amount of {$2200.00} was taken back out of my account. Listed below are the dates of disputes and chargebacks that have occurred since. 

XXXX {$4600.00} XXXX {$3800.00} XXXX {$4700.00} Which totals {$17000.00} Since then, I have filed a police report with my local police station ( XXXX ), as well as started the process of filing fraudulent activity with multiple credit card companies linked to this scam. XXXX, XXXX, XXXX and XXXX XXXX ( digital payment services ) were all used to complete these chargebacks that have drained my small business account. The money continues to be taken out of my account almost weekly and nothing is being done to stop it. 

I have spent countless hours on the phone with XXXX, specifically their fraud department ( talked to many " supervisors '' ) and filed an investigation in desperation to claim my money and get it back. I have been transferred to multiple different employees as well as employee levels and back to the starting point, on multiple different days, in an attempt to get one single person to help. I do not know what else to do or where to turn to get somebody to help this case, thus contacting the FDIC. 

As well, I have spent even more countless hours on the phone with XXXX XXXX. I am appalled and disgusted with the cat and mouse chase I have received by this company I have learned that is the company that handles the chargebacks for Clover. This was the worst experience and customer service of them all. This specific digital payment service is the one draining my account. Not a single employee, management, upper management or supervisor has been able to make me feel like I am a priority or getting anywhere with this serious case. I have told every single person on the line that I can provide multiple streams of evidence with this scam artist / contact information / bank account statements / email conversations / phone calls and down to the penny with recorded amounts and dates that my account shows withdrawals. Not a single person can or will connect me to file this and take action. It disturbs me to the utmost amount that such a large and substantial amount of money is taken so lightly, and passing me from department to department is all they could do on their work day. 

The furthest I feel as though I got is calling my local XXXX XXXX  branch ( the business ' bank account is held here ). And spoke with the manager who filed the disputes. As well, XXXX XXXX XXXX XXXX ( personal bank account ) locked my personal checking as a way of security for no other withdrawal attempts to come out of. While that is a minor bit of help, that does not in any way help my almost bankrupt small business. 

On XX/XX/2022, I contacted the XXXX XXXX as well as the New York XXXX XXXX assigned to my district for my case. With a loss of where to turn, I will stop at nothing to get somebody to assist me and help me with not only my business but my livelihood. 

Below is the contact information for this scam artist. Both phone numbers have been shut off, as well as the email. He is now completely off the grid. 
XXXX XXXX XXXX XXXX said earlier, I have multiple streams of evidence, documentation and dispute paperwork to prove that this is a serious fraudulent case. I hope this message can be read in serious regard and hope to hear from an agent soon. 

Thank you for your time, and service. 
XXXX XXXX XXXX XXXX

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