Consumer complaint received 2022-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed dispute Claim ID : XXXX, with the bank for {$3500.00} and due to the bank 's negligence, they declined to support my position even though I'm supported by Federal law. The bank curried favor to the moving company because they are a massive operation with banking needs around the world. In comparison, they don't make much money from a single customer. At issue was the late delivery of my goods from WA to MI. Two days late. Per the federal rule, late delivery according to the signed contract, the damages can be as much as 50 % of the total bill, which was about {$7000.00} as long as receipts are provided within 30 days. I did this within ten days, by uploading them to the mover 's website, on a claim form that was only for late delivery losses. The movers actually refused to even accept the claim, nevertheless adjudicate it and pay for my losses. It was such a joke that B of A would take it seriously ( they don't ), that the movers went ahead and beat me to the punch of a settlement for the late delivery by mailing me a check for {$100.00} to cover food & expenses at {$50.00} daily. They then said that it was a settlement that I accepted and two claims would not be accepted into the system. And B of A accepted this answer and found in their favor. I pointed out to the bank that late delivery is a common occurrence in the moving industry and that historically, movers take advantage of customers in this way, so decades ago, consumer advocates like XXXX XXXX got the government to adopt rules to stop this abuse. There are now rules that state if delivery takes place after the latest date in the contract, then yes, per diem is {$50.00} daily, but the customer can also submit up to 50 % of the total bill in losses as long as there are receipts provided and do it within 30 days. Well, I did all that, but the moving company has been down this road before and knows how to game the system - so they submitted misleading paperwork and now that B of A has moved it's dispute operations to XXXX, these foreign workers that evaluated the claim were very impressed and they like to find in favor of the big strong American company for their own personal reasons. They get awestruck by XXXX XXXX. They think the documents are legal and important, even though they are fudged. This is outrageous to the common man on the street! I'm a B of A customer and paid the mover 's in advance and abided on my end, but the trucker just had to stop at every casino on the highway ( per my XXXX XXXX XXXX XXXX XXXX ) and so was late. Then had to drive past MI to VA then NY, then to MI. On the morning of my delivery, he was at the XXXX XXXX in XXXX, OH playing XXXX ( he told me this ) and had to borrow {$200.00} in cash from me to hire day laborers. The moving company paid me this back in a check. They are a reckless, wild and irresponsible company who hires unreliable workers and I was taken advantage of and had a late delivery of my special bed and other health items - I'm a XXXX service-connected injuries Veteran. I needed my stuff, so I had to go out to buy replacement items. I detailed all these expenses many times to B of A and the movers. In sum, my position was supported by federal law and B of A is required to follow federal law and so should have found in my favor. They broke the law and put the bank at risk. They must pay me the {$3500.00}. If they do not follow the interstate trucking laws, then how is the CFPB going to get them to follow any law?

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