Consumer complaint received 2020-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
After applying for a used auto loan for {$7500.00} at Bank of America, it made me it knocked the wind out of me and made me feel like I had no value after doing two decades with Bank of America. The loan officer did not even have the courtesy to tell me why I was denied or what I can do to better my chances or discuss anything about the reason why I did not get the loan. It was very inconsiderate of him not to discuss this problem with me he avoided my calls and my emails and did not return any of them I had to call you to find out why I was denied and still they were not able to answer my question or tell me what I can do to better my chances. We are people just like you I put my money there the little that I have for 20 plus years and not able to get the consideration from the loan officer to tell me why I was denied or what I can do to better my chances made me feel that I have no value to Bank of America. Now in XXXX an automatic from XXXX hit my account which I have forgot about. So the {$6.00} that I knew was there became an overdraft along with the {$16.00} from XXXX, during these times of stress and still small mistakes that I made with my balance cost me {$70.00} which I understand a charge, but as an elderly person and over two decades with Bank of America I really feel like I have no value to this Bank. My account shows that overdrafts rarely happens to me. But mistakes happen and looking at my account history I'm not one to make overdraft all the time. Doing this time of stress things get past you, not using that as an excuse but I feel that a bank that I've been with this long should understand and do what they can to help me. after the loan officer completely ignored me because I was not able to get the loan, Bank of America is looking very prejudice to me. now today when I wake up and look at my account and noticing that I'm negative {$10.00} and some change, is very sad that with a petty charge for a mistake that got past me again my history shows that I don't make mistakes like this often you could probably look it up and I have never had an overdraft and probably a few years if not more. You have your people that answers the phone set to be as heartless as if I'm had no value to your bank and in my situation I probably don't I understand everybody is in the business to make money but there are some people that have issues or forget or it just gets past them speaking of elderly people want XXXX as I am. The conversation I had today what's the person on the line she made me feel I have no value no matter what my issues are missing {$2.00} again costing me {$12.00} plus a negative {$10.00} in my checking account. After asking to speak to a supervisor she tried not to give me a supervisor but at the same time was not going to help me with these situations so it took up to or 15 + minutes and still no supervisor so being frustrated I ended my call with her. I am writing this letter to let Bank of America know how you make me feel after over two decades of being a customer, I understand it's a business but I see that Bank of America is too big for me my concerns does not concern Bank of America and it showed with my loan denial and these last two overdraft charges. I hope this letter reaches the right person and some changes can be made to help the elderly and XXXX, we make mistakes and when it cost money when we are on a fixed income it hurts, and for Bank of America to be as cold as you have been with me this year it's very sad.

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