Consumer complaint received 2023-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Bank of America has written 3x refund credit balance checks from my credit card, in order to remove the positive balance. 

This was done without my permission and without notification. 

The 3 check details with days funds were taken from my credit card are : XXXX {$5100.00} XXXX XX/XX/XXXX XXXX {$2100.00} XXXX XX/XX/XXXX XXXX {$1800.00} XXXX XX/XX/XXXX Bank of America is telling me the checks were banked on the following dates XXXX {$5100.00} XXXX XX/XX/XXXX XXXX {$2100.00} XXXX XX/XX/XXXX XXXX {$1800.00} XXXX XX/XX/XXXX The problem is I never received these checks, and I never cashed these checks. 

The checks were supposedly sent to XXXX XXXX XXXX XXXX XXXX CA XXXX I have spent approx. 50 hours talking with BOA customer service in Consumer Credit Card, Credit Card Fraud, Check Fraud but only ever succeeded in getting passed from dep to another - to try and get the money back into my account, which BOA removed from my credit card in the form of these " credit balance refund '' checks. 

I have requested the bank on multiple occasions NOT to make refund credit balance from my credit card via Check. I had requested any funds that need to be moved from positive credit card balance to done electronically into my Checking account. BOA did this for some time, but then reverted to writing checks out of my Credit Card again without informing me of the change. I did not notice the funds had been removed or that checks had been written until some time later. 

I have spoken to many, many Customer Service reps at BOA over the phone, and have been promised on a number of occasions by various reps that the funds would be back in my account within 2 weeks. Each time this has not transpired. BOA never provided case numbers for any of the original conversations. 

I have been promised dozens of times for a call back, but have received in total 2 call backs, both of which were inconclusive. 

BOA do not provide any written communication, even via their online portal. 

BOA advised me I had to visit unclaimed.org to get my money back. This did not appear a useful resource. 

After a lot of work and repeated requests I was finally provided with some case numbers. I dont know if the case numbers are actual, but I was given : Complaint ID : XXXX Case Number : XXXX from XXXX XX/XX/XXXX BOA phone support do not provide their last name. the only person I ever made any headway with was XXXX from Delaware employee CIA # XXXX. She promised to call back after talking to the analyst, but never did. 

BOA has taken the following amounts of money from my positive credit card balance without my permission {$1800.00}, {$2100.00}, {$5100.00}. supposedly in the form of checks but which I never received. 

I just want my money back

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