Consumer complaint received 2021-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On the afternoon of Monday, XX/XX/2021, at approximately XXXX Hrs. ( XXXX ) Eastern Time, I visited the Bank of America XXXX XXXX XXXX XXXX , Georgia , located at XXXX XXXX XXXX , XXXX , Georgia XXXX, to deposit approximately {XXXX} cash into my Bank of America personal checking account via a drive-up ATM connected to the Financial Center. 

I inserted my Bank of America XXXX Debit Card into the ATM, entered my PIN when prompted, selected Deposit Cash and inserted the cash into the ATM when prompted, at which time the machine went into Processing mode foe what seemed to be several minutes before generating an error message indicating the transaction could not be processed. Subsequent to receiving the error message on the ATM screen, I received a paper receipt which read : We apologize for the inconvenience. We are unable to process your request and can not return your item ( s ). Please contact our Electronic Claims Team at XXXX to discuss this transaction. 

I immediately called the Electronic Claims Team to initiate a claim, held the line for an extended amount of time, and was ultimately told my account was in closure status, and therefore nothing could be done. At this time, I immediately went inside the Financial Center to discuss the situation with the Branch Manager, at which time I was directed to speak with another individual, the VP and Financial Center Assistant Manager, who explained the standard process for resolution for this type of situation, and further initiated the claim for me on my behalf. 

I fully trusted Bank of America systems to do what they are designed to do, but they failed. Unfortunately, this situation has resulted in a very severe hardship for me and creating severe emotional distress and undue hardship. I have been forced to take a week off work, and unable to eat as a result of this situation as I do I not carry credit cards or emergency backup funds. I rely solely on my debit card. 

On Monday evening, XX/XX/2021, I was forced to sleep in my vehicle at a Rest Area as a direct result of this situation, as I was unable to book a hotel at the time and did not have the fuel to travel to family/friends or return home to Tennessee. 

On Tuesday, XX/XX/2021, at XXXX XXXX. my vehicle insurance called due to non-payment as a direct result of this situation. Accordingly, I have been forced to use XXXX XXXX points to stay at a nearby hotel as a direct result of this situation, as I can not drive due to the aforementioned insurance situation. In the event I were stopped by law enforcement, my vehicle would be impounded, I would be cited for No Insurance, and could be arrested, despite the totality of the circumstances. I did the best thing in this situation - stay put and wait for Bank of America to sort it out. So far, Ive had to use XXXX XXXX XXXX points - XXXX per day, per stay. 

Today, Thursday, XX/XX/2021, my direct deposit from my employer is missing as a direct result of this situation. Ordinarily it would be routed directly into my Bank of America Checking Account with no issues. 

Further, my cell phone service has been interrupted as a direct result of this situation, as payment is due on the XXXX of each month. 

This weekend, I have travel plans which will likely be interrupted as a result of this situation, and will make the list of actual damages extensive to say the least. Accordingly, I believe my only course of action at this point is to bring legal action against Bank of America. 

Earlier today, I researched the Registered Agent for Bank of America through Georgias Secretary of State website and discovered the Registered Agent is XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX, which is located in XXXX XXXX, XXXX. Accordingly, I plan to file this case in XXXX XXXX XXXX XXXX or U.S. District Court, XXXX XXXX XXXX Georgia, XXXX Division. In the event I file this case, I will seek recovery for actual damages, punitive damages, and attorneys fees and costs if and when I retain legal counsel. I will have XXXX XXXX XXXX XXXX served at the aforementioned address via a private Process Server who is permanently appointed by the Court for service of process per Order. An Affidavit of Service will return and attach to my case file in the event I am forced to file this case.

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