Consumer complaint received 2015-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/XXXX I wrote a check to a man/company for tree trimming services. When I got home, my husband and I realized that the services were not rendered and called the company right away. They assured me they would be back in 4 days to complete the job. Me, kicking myself for writing a check too soon called BOA immediately ( XX/XX/XXXX ) and spoke to a bank rep who advised me that even if the check was cashed, if the services were not rendered that I could dispute the check and get my money back. This made me feel great! I could allow the merchant to make the situation right and if they did n't BOA had my back. Win win, right? Not! Well, needless to say, the company cancelled on us multiple time and never showed. I called BOA to dispute my check, explaining the situation a XXXX time I was cold transferred to another agent to explain my situation for the XXXX time and she disputed the check. Each explanation included that I wrote the check and the services were not rendered. This agent advised me an adjuster would reach out to me but could n't give me a time frame. She escalated me to a manger and I again explained my situation for the XXXX time. He let me know when I would receive a call. I ended up missing the adjusters call and it took, yes 3 times of me calling and leaving messages before the adjuster called me back. She told me since it was not a fraudulent check there was nothing she could do and BOA does not have a dispute process. Wait.. What? Why would so many before, including a manager hear my situation and still go through with it. I did n't buy it, so I went to my local branch. After spending some time with a banker there, he called someone who was n't able to do anything and also asked the manager for help and nothing they could do. Here I am, out {$550.00} dollars, countless hours on the phone with BOA reps and in your branch and clearly you can come to my house and see services not rendered and BOA is n't going to advocate for me! No doing the right thing or in any way trying to help out a customer now sitting in front of them completely distraught by the situation? I realized I was on my own and I was just a number to BOA, my accounts meant nothing. I decided there, if BOA did n't want to have my back, be my partner and help me then I needed to close my account. Now I have had a BOA account since I was XXXX years old! Yes, XXXX! My savings account, I have had a check and credit card since XX/XX/XXXX. I am loyal customer who pays on time and is never late. I have had CDs and money market accounts all upholding my end of the deal. I was about to start in stocks and trading since my father raves about BOA and that 's what he does. But no, no customer advocacy no loyalty from BOA and I felt BOA completely left me without any solution. All I needed was BOA to help me with a check and instead I received false information multiple times and complete disregard for my situation from BOA employees!

Company response to consumer: Closed with monetary relief