Consumer complaint received 2021-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In XXXX I booked a get a way with this company for a get away for my annivery weekend. I booked a stay from XXXX which was to be a 2 night/3 days visit with the agreement that I would attend a seminar on the last day of visit in order to get the special rate for the visit and was informed that if this appointment is not cancelled within a week of the time of the reservation that I would be charged for the rooms. I called the previous friday and cancelled the reservation. I also called the week of the booked reservation to confirm with the place that I would not be attending because I never got an email about the booking or the cancellation of the booking. Everything was done over the phone with a verbal confirmation and no documents were ever sent to email or regular mail. On XX/XX/2020 I was charged XXXX out of my checking account by this company. I immediately contacted my bank, as its the Day before XXXX and I don't have XXXX laying around to make there XXXX wishes as if this reservation was made in XXXX and I owed you money, why wait the day before XXXX to take the funding as if I don't need the money I worked for. I filed a dispute with my bank and they refunded the money after XX/XX/2020. I was told that XXXX XXXX  would have the option to dispute this in which they did and Bank of America decided that they were right to charge me after the owner wrote a letter to them stating that I went to the room and did not attend the seminar and that is the reason they were chargingme the XXXX. This is untrue. I was never in XXXX the weekend of XX/XX/2020 nor have I ever went to there facilities. I received a letter from Bank of America statign that they would be taking the XXXX out of my account. I received the letter the day before the funds were taken out of my account and the funds were not there, as I had just paid my light bill with my debit card. Bank of America internally took the XXXX out of my account for the dispute, and the credit card payment that was approved at the time of transaction suddenly keeps trying to go through as they forced there payment through internally causing the once approved debit transaction to not go through and needless to say costing me XXXX each time they keep trying to re-run the debit transaction. Not only did they see that the money was not in the account at the time they caused the account to be negative, they didnt care about the fact that we are in a pandemic and that my light bill is a necessity. I have tried contacting the bank on several occasions to resolve this. I called last month and a rep told me she would file a reconsideration on the previous dispute and expedite the process. Two weeks after that I called another rep and asked for the overdraft fees to be removed and he said there was nothing he could do until the reconsideration was decided. I spoke with a rep last week that said she would remove 2 of the overdraft fees ; however that is all that any rep at the bank can do. I currently have my account of frozen with the bank because I do not think that its fair for the government to give me {$4200.00} for the purpose to feed my family and keep the lights on and this company to just bully and take my money.

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