Consumer complaint received 2017-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
used my debit card for a credit transaction that i signed for on XX/XX/XXXX. was in the processing stage XX/XX/XXXX and made my account look overdrawn by {$13.00} because of a bill of {$65.00} being paid the XX/XX/XXXX on my automatic bill pay. I did not go to the bank, which is over 20 miles away to make a deposit because I knew i had a {$85.00} deposit being made the XX/XX/XXXX which is when the charge of {$34.00} was deducted. As a further explanation, I was n't concerned about a charge because i had spoken to the bank about this once before and they said they made a mistake and i should not be charged when the transaction was in the processing stage. 
This time when i called them they said that although the money was not withdrawn, it was set aside, causing my {$65.00} to become overdrawn by {$13.00} and them charging me a fee of {$35.00}. My point being I do n't mind the fee charge if that is a legal fee but when they tell me one thing and then change the rules to suit them, i find that disturbing. How many people do they charge this fee to across america as  well as the merchant a fee when you use your debit card as a charge card. the reversal of a fee below is when i spoke to them about the charge for ( XX/XX/XXXX which led me to believe i would not be charged a fee. and why do they mark the charge this time as ( hide additional information ) This looks like a means to bilk people. 
XX/XX/XXXX Show additional information for activity type deposit XXXX XXXX XXXX XXXX XXXX : ACH Paymen ID : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ... activity type deposit status type icon cleared Cleared. Select to mark activity type deposit XXXX XXXX XXXX XXXX XXXX : ACH Paymen ID : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ... as Reconciled XXXX XXXX XX/XX/XXXX Hide additional information for activity type bank charge XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XX/XX/XXXX ELECTRONIC TRANSACTION POSTING DATE ... 
Edit Description activity type bank charge status type icon cleared Cleared. Select to mark activity type bank charge -35.00 OVERDRAFT ITEM FEE FOR ACTIVITY OF XX/XX/XXXX ELECTRONIC TRANSACTION POSTING DATE ... as Reconciled XXXX XXXX Type : Bank chargeDescription : OVERDRAFT ITEM FEE FOR ACTIVITY OF XX/XX/XXXX ELECTRONIC TRANSACTION POSTING DATE XX/XX/XXXX POSTING SEQ XXXX Merchant name : OVERDRAFT ITEM FEE FOR ACTIVITY OF XX/XX/XXXX ELECTRONIC TRANSACTION POSTING DATE XX/XX/XXXX POSTING SEQ XXXX to Edit the merchant name XX/XX/XXXX Show additional information for activity type billpay XXXX XXXX/XXXX Bill Payment activity type billpay status type icon cleared Cleared. Select to mark activity type billpay XXXX XXXX/XXXX Bill Payment as Reconciled XXXX XXXX XX/XX/XXXX Show additional information for activity type other payment XXXX IRS DES :  USATAXPYMT ID : XXXX INDN : XXXX XXXX XXXX XXXX XXXX XXXX ... activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX IRS DES : USATAXPYMT ID : XXXX INDN : XXXX XXXX XXXX XXXX XXXX XXXX ... as Reconciled XXXX XXXX XX/XX/XXXX Show additional information for activity type debit cards XXXX XXXX XXXX XXXX # XXXX PURCHASE XXXX XXXX XXXX XXXX MA activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XXXX # XXXX PURCHASE XXXX XXXX XXXX XXXX MA as Reconciled XXXX XXXX XX/XX/XXXX Show additional information for activity type debit cards XXXX XXXX XXXX XXXX XXXX # XXXX PURCHASE XXXX XXXX XXXX XXXX MA activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XXXX XXXX # XXXX PURCHASE XXXX XXXX XXXX XXXX MA as Reconciled XXXX XXXX XX/XX/XXXX Show additional information for activity type deposit XXXX XXXX XXXX, XXXX XXXX : ACH Paymen ID : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ... activity type deposit status type icon cleared Cleared. Select to mark activity type deposit XXXX XXXX XXXX, XXXX XXXX : ACH Paymen ID : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ... as Reconciled XXXX XXXX XX/XX/XXXX Show additional information for activity type billpay XXXX XXXX XXXX Bill Payment activity type billpay status type icon cleared Cleared. Select to mark activity type billpay XXXX XXXX XXXX Bill Payment as Reconciled XXXX XXXX XX/XX/XXXX Show additional information for activity type check XXXX Check XXXX activity type check status type icon cleared Cleared. Select to mark activity type check XXXX Check XXXX as Reconciled XXXX XXXX XX/XX/XXXX Show additional information for activity type debit cards XXXX XXXX XXXX XXXX # XXXX PURCHASE XXXX XXXX # XXXX NH activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XX/XX/XXXX # XXXX PURCHASE XXXX XXXX # XXXX NH as Reconciled XXXX XXXX XX/XX/XXXX Show additional information for activity type check XXXX Check XXXX activity type check status type icon cleared Cleared. Select to mark activity type check XXXX Check XXXX as Reconciled XXXX XXXX XX/XX/XXXX Show additional information for activity type deposit XXXX XXXX XXXX XXXX XXXX : XXXX SEC ID : XXXX SSA INDN : XXXX XXXX ... activity type deposit status type icon cleared Cleared. Select to mark activity type deposit XXXX XXXX XXXX XXXX XXXX : XXXX SEC ID : XXXX SSA INDN : XXXX XXXX ... as Reconciled XXXX XXXX XX/XX/XXXX Show additional information for activity type other payment XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ID : XXXX INDN : XXXX XXXX XXXX XXXX  ... activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ID : XXXX INDN : XXXX XXXX XXXX XXXX ... as Reconciled XXXX XXXX XX/XX/XXXX Show additional information for activity type other payment XXXX XXXX XXXX : INSURANCE ID : XXXX INDN : XXXX XXXX XXXX XXXX ... activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX XXXX : INSURANCE ID : XXXX INDN : XXXX XXXX XXXX XXXX ... as Reconciled XXXX XXXX XX/XX/XXXX Show additional information for activity type debit cards XXXX CHECKCARD XXXX XXXX XXXX CA XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX CHECKCARD XXXX XXXX XXXX CA XXXX as Reconciled XXXX XXXX XX/XX/XXXX Show additional information for activity type debit cards XXXX CHECKCARD XXXX XXXX XXXX XXXX XXXX MN XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX CHECKCARD XXXX XXXX XXXX XXXX XXXX MN XXXX as Reconciled XXXX XXXX XX/XX/XXXX Show additional information for activity type deposit XXXX BKOFAMERICA ATM XXXX # XXXX DEPOSIT XXXX XXXX MA activity type deposit status type icon cleared Cleared. Select to mark activity type deposit XXXX BKOFAMERICA ATM XX/XX/XXXX # XXXX DEPOSIT XXXX XXXX MA as Reconciled XXXX XXXX XX/XX/XXXX Show additional information for activity type credit XXXX Fee Refund XXXX  activity type credit status type icon cleared Cleared. Select to mark activity type credit XXXX Fee Refund XXXX as Reconciled XXXX XXXX XXXX/XXXX/XXXX Show additional information for activity type bank charge XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XX/XX/XXXX ELECTRONIC TRANSACTION POSTING DATE ... activity type bank charge status type icon cleared Cleared. Select to mark activity type bank charge XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XX/XX/XXXX ELECTRONIC TRANSACTION POSTING DATE ... as Reconciled XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma. 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