Consumer complaint received 2017-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
1st Complaint I would like to make the Federal Consumer Protection Agency aware of a couple of problem ( s ) that I introduced to the representatives at Bank of America and received unsatisfactory results. 
I opened a XXXX XXXX beginning with the time frame of XX/XX/XXXX until I was forced to close on XX/XX/XXXX. OnXX/XX/XXXX I encountered an environmental sewage and grease flood in the basement of my store due to the illegal construction of the grease trap for the Mexican Restaurant,  connected with the sewage system for the building that I shared with the store and restaurant and the lack of maintenance for over the period of a year prior to XX/XX/XXXX. 
AfterXX/XX/XXXX, I began to encounter financial issues with generating revenue to service my debt due to the odor that presided the sewage and grease that flooded my store basement on XX/XX/XXXX. 
Payments to my Bank of America ( BOA ) Business Card were made on a regular monthly basis duringXX/XX/XXXXwhile I was receiving my monthly annuity and bi-weekly salary from the company that I was working for fromXX/XX/XXXX until XX/XX/XXXX. On six ( 6 ) occasions during XXXX, as listed below, BOA withdrew money from my Annuity to service my debt with BOA. After time had passed, and many withdrawals, I learned that my XXXX XXXX debt accumulated on my BOA Business Card was not legal to be paid with Annuity deposits. The following deposits were withdrawn from my Annuity after deposit. Request monies taken from my Annuity be returned to me. 
STATEMENT DATE :XX/XX/XXXXXX/XX/XXXX BOA wd XX/XX/XXXX {$300.00} BOA check # XXXX STATEMENT DATE :XX/XX/XXXX XX/XX/XXXX BOA wdXX/XX/XXXX {$500.00} BOA check # XXXX STATEMENT DATE :XX/XX/XXXX XX/XX/XXXX BOA wd XX/XX/XXXX {$300.00} BOA check # XXXX STATEMENT DATE :XX/XX/XXXX XX/XX/XXXX - BOA wd XX/XX/XXXX {$530.00} BOA check # XXXX STATEMENT DATE : XX/XX/XXXX XX/XX/XXXX BOA wdXX/XX/XXXX {$330.00} BOA check # XXXX STATEMENT DATE : XX/XX/XXXXXX/XX/XXXX - BOA wd XX/XX/XXXX {$330.00} BOA check # XXXX TOTAL BOA WDs {$2200.00} After I resigned from the company on XX/XX/XXXX, I started to experience hardship with continuing my payments and had discussed this with representatives from BOA. I missed a payment inXX/XX/XXXX and XX/XX/XXXX. During that time, I had filed my business and personal taxes and was planning on paying my two missed payments after receiving my tax refund and other pending bills related to my XXXX XXXX. 
On XX/XX/XXXX, I received my RAC Dep which included my Annuity and business taxes refund. On XX/XX/XXXX a Debit charge off on my account in the amount of {$6100.00} was withdrawn from my checking account. I called the BOA representatives and discussed with them that the withdrawal included my Annuity and business tax and that I felt that it was totally unfair that all of my monies were taken since I was consistently making payments and only missed two which I would have taken care of out of my tax refund. Those two payments totaled no more than {$700.00} not {$6100.00}. 
After several discussions with several BOA representatives, I was not given an satisfactory reply and would like to elevate this with anticipation that my concerns will be considered since I have been a long term client with BOA for many years. I feel that an excessive amount of money was taken from me would like to negotiate the return of some or all monies that have been taken from my monthly Annuity. 



2nd Complaint On XX/XX/XXXX a scheduled transfer occurred on my checking account balance of {$7.00}. Prior to this transfer, I noticed that if the amount of the scheduled transfer was less than the balance, the transfer was cancelled. The balance of {$7.00} created a negative ( {$42.00} ) balance on my account and created a over draft in the amount of ( {$12.00} ) which gave a total negative balance of ( XXXX ). OnXX/XX/XXXX, I cancelled my scheduled transfer in the amount of {$50.00}. I feel that this is a bad business practice to cause an overdaft on an account that has an balance that was inadequate to satisfy a scheduled transfer. If the balance is less than the scheduled transfer, the transfer should cancel out not put a BOA long term client in the red.

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