Consumer complaint received 2018-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
claim dept XXXX CLAIM # XXXX XX/XX/XXXX INITIAL CLAIM # XXXX XXXX XX/XX/XXXX changed debit card due to an issue. I'm an XXXX seller since XX/XX/XXXX. I updated my new debit card on there site and it took the card as a replacement for my checking acct ( that I make my payment of monthly seller fees from at the end of each month ) I did not know this. Mid month my account was debited {$130.00} XXXX. I did not recognize this. I called BOA immediately and advised. They stopped the card ending XXXX and gave me a temp credit {$130.00}. to my account. I was holiday weekend XXXX. By the time I was able to get to the bottom of this & find out that XXXX had charged my new debit card for seller fees ( and had given me at credit $ 59+ for Hurricane Irma. The amount for my monthly fees were {$130.00}. They also told me debit card are mid month cking accts are end of month billed for seller fees. I notified BOA and advised issue resolved. They stated that merchant got paid XX/XX/XXXX {$130.00}. They were going to take the temp credit out of my acct ending XXXX. NEVER DID.. XX/XX/XXXX They took the $ back from XXXX!!! I called in had XXXX n boa on the phone BOA gave money back to XXXX and again stated will take $ from my cking XXXX. BOA NEVER TOOK THE $ from my cking acct & again XX/XX/XXXX another nasty notice from XXXX YOU XXXX  TOOK THE $ BACK FROM XXXX AGAIN. I'm past furious!. XXXX wants to suspend my acct for NON PYMT ... .. Ive been a seller since XX/XX/XXXX I  DEPEND on this income. You have cost me time and . You gave XXXX back the money AGAIN XX/XX/XXXX. FINALLY you take the money from my cking acct XX/XX/XXXX and I get a letter stating the case is closed. YAY!!! fast forward XX/XX/XXXX. I am notified by XXXX you come and take the $ from them again! credit charge back OMG {$130.00}. I'm so upset. XXXX had enough. I called BOA immediately and claim dept on the phone and some guy no help 1st thing this am XX/XX/XXXX 48 hrs to escalate? Cant talk to that dept? Then this afternoon XXXX suspended/BLOCKED MY ACCOUNT FOR NON PAYMENT!!!!!!!!! I AGAIN CALLED XXXX AND boa SPOKE TO A SUPPOSED SUPV IN claims dept XXXX id # XXXX. no HELP refused to take the ref # for the transaction charge back from XXXX rep. I was astonished. She DENIED FLATLY that they took the money and show everything even on their side. She then stated if it was in error 7-10days and they will send $ back to XXXX. After the 3rd time charge back XXXX  ( and I don't blame them ) said they cant unlock my suspension until I pay in full the {$130.00} + my normal monthly charges ( not due until XX/XX/XXXX $ 164+ ) So I had to BORROWER $ AND PAY {$300.00} to get my account back to were I can sell. I'm waitin g now for them to review to see if they will let me continue to sell due to this MESS WITH CLAIMS DEPT OF BOA. FIRE THEM ALL! I want my {$130.00} back and 8 hrs @ 25 hr on the phone I sent away from my job trying to resolve this. I demand my $ back and  a letter of apology to me and also to my employer XXXX for the mess you have created. I got not resolve but bounced from place to place horrible service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl 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 monetary relief