Consumer complaint received 2023-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I bought a home in XXXX, {$69000.00} and moved to the XXXX XXXX. I became a real estate agent. I opened a bank account with Bank of America, in the city of XXXX. and soon after, I started getting non-sufficient notices after I would make any type of payment with my checking account or debit card. I work in the XXXX XXXX field and I was making large deposits from my commission checks. i always made sure that I had sufficient funds before i made any payment. I lost my house. 

First I started receiving a new debit card in the mail without me requesting one. i contacted the bank and they could or would not tell me why I received a new card. I did not report it stolen or lost, so I was confused. I then started receiving calls that my payments to my Mortgage, my utilities had not been received. Everytime i got a call I would confirm that I made the payment. I was always told my payment was not received but my checks would come back as paid every month. I would have to make the payments again, by cash to XXXX XXXX I thought maybe someone got a hold of my account, so I would close out my account and open a new one. In XXXX I bought my 2nd home, {$210000.00} and the problem continued, I was told not 1 payment had been received, I lost that home, and became homeless. In XXXX I bought my 3rd home {$190000.00}. The worst was when I bought a Cell phone store, I lost $ XXXX and it was lost instantly, it just disappeared. The calls kept coming in telling me they did not receive my payments. I had my utilites shut off. I would go to the bank to speak to the XXXX, He would leave to lunch and not come back. I did this for months I could not put my money in the bank anymore. I lost all my houses, my XXXX, my XXXX, because my payments never made it to the companies. I still can not open a bank account because if I do my money just disapears. I did a lot of investigation and found that my money was going out of my account by online checks they were not real checks they were just look a like online, but Bank of America would not help no one would help. My family started thinking I was spending my money and not paying my obligations. I no longer could put money in the bank because it just disappeared. Please help me. I would like to recover or get back what they took from me or the monetary value of all my losses, since XXXX. I'm sure you can find all my account in storage. I even went to XXXX XXXX to get copies of my checks to my account because they said that was the place all document were stored, to prove I made my payments. I had no luck. Till this day I am trying to recover but I can't, I had such major losses, I don't know how to recover. In XXXX I received a check from my Mortgage company for 1 full payment that somehow they found. this was the same payment they said I never made and lost my 3rd house along with everything else I had. Please help me.

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