Consumer complaint received 2017-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America continues to stall saying they do not have time to address my complaints and highlights of their serial non-compliance, yet they had time to email me threats.  This is part of my response:



On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX  wrote:

Bank account #XXXX is overdrawn because Bank of America is in non compliance with regulation E of the CFPB. There is a charge on XX/XX/XXXX that is for $XXXX from XXXX XXXX.  That charge was challenged for merchandise or service not matching what was paid for.  That charge should have should of by this time been issued a temporary credit which had Bank of America not been negligent would have kept my balance in the positive and no charges would or should have been incurred.  This information has been conveyed to branch personnel, phone customer support personnel, XXXX  based Assistant Vice President (for impersonation of a responsive bank executive) XXXX XXXX and in numerous emails and complaints to the Federal Trade Commission  and the CFPB and yet your overdraft remains.  The torts against me are piling up ladies and gentlemen and I hope you will soon address them before I have to take additional official action.  Thank you. XXXX XXXX 


On XX/XX/XXXX, at XXXX XXXX, Bank of America  wrote:

Bank of America (R) 				
Bank of America (R)
Transfer	XXXX, you've overdrawn your account and may have been charged a fee
 					
Account:	XXXX XXXX  - XXXX
Transaction amount: 											
$	XXXX
Fee charged:	
$                                                                                                                                                                               													XXXX
Transaction paid:	No
Date:	XX/XX/XXXX
Transaction amount: 											
$XXXX
Fee charged:	
$                                                                                                                                                                               													XXXX  
Transaction paid:	No
Date:	XX/XX/XXXX
Transaction amount: 											
$	XXXX
Fee charged:	
$                                                                                                                                                                               													XXXX
Transaction paid:	No
Date:	XX/XX/XXXX  View account activity 										 										
To avoid an Extended Overdrawn Balance Charge1, transfer or deposit available funds to bring your balance positive within 5 business days2 of when your account was originally overdrawn.
Due to the overdrawn status of your account, if you have scheduled online bill payments they may be canceled.
Information	
Set up Overdraft Protection to help reduce fees
If your checking account doesn't have enough money to cover a withdrawal or payment, Overdraft Protection automatically transfers available money from a linked account to cover it.
Learn more about Overdraft Protection
1. This charge is in addition to applicable Overdraft Item Fees and NSF: Returned Item Fees.
2. Business days include Monday through Friday except bank holidays.
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This email was sent to: XXXX  




These are a real problems that are causing me real financial, emotional, and consuming a great deal of my time on a daily basis.  These are not long term problems that can be addressed following some Congressional hearings, these are immediate.  The CFPB not enforcing any timeline makes this process virtual worthless.  XXXX XXXX promised me weeks ago she would have an answer within days and yet still nothing.  I continue to get charges and nothing get done.  PLEASE HELP ME!  Thanks.

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