Consumer complaint received 2016-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Last night Bank of America put through an unsolicited/unsanctioned debit on my personal Bank of America checking account for {$1900.00} ( Debit for a Charged Off Account ). After having been unemployed for 11 months in XXXX I have just secured employment starting on Monday XXXX. On Wednesday I deposited {$2000.00} in my checking account to purchase an airline ticket and pay for the hotel for my first week of employment training in XXXX XXXX. However on Friday morning my account had this unsolicited debit for {$1900.00}. When I called the bank this morning they told me a that the debit related to a charge off on a Business account of a company that I had started in XXXX Price Compete. The next company XXXX was purchased by an investor in XXXX XXXX and the Investor closed the doors of the company in XXXX of XXXX. However BOA claims that I was the guarantor on the original BOA account in XXXX and now say that I owe them {$22000.00} and every deposit I make into my checking account will be seized. Frankly when the company closed in XXXX XXXX I was a very small shareholder and had no control over events. The problem is that they say of regardless what happened to the company I am still the guarantor. I have been asking them ever since they have been trying to collect the debt from me in XXXX XXXX that I need to see the support documentation from BOA that I am the guarantor on the BOA credit card accounts. BOA has now promised to send me the documentation from XXXX, however this is not the first time I have requested it and I remain very skeptical that what they claim is true. Today XXXX I have closed my Checking account with Bank of America after being a customer for twenty years. BOA are clearly to big and they do not care about consumers/customers. I spoke with XXXX XXXX in the Bank of America recover department today XXXX and my case reference number is XXXX. Apparently the debt of {$22000.00} has been charged off by the bank and they have been reporting non-payment against my credit record. As far as I am concerned this problem belongs to the investor who elected to close the doors of the company. Why is Bank of America harassing me with this debt when they can not prove I am the guarantor of a bankrupt company. The past year of unemployment has been tough and we have struggled to keep up with our BOA Mortgage and BOA home equity loans but we have scraped by and managed to stay current. Frankly if had known that BOA was going to pursue this course of recovery I would have closed my BOA checking account in XXXX XXXX. My situation after 11 months of unemployment is desperate and BOA stole {$1900.00} out of my personal banking account without even having the decency of discussing it with me is just wrong. BOA is claiming to have a legal right ( that is un-proven ) behaving in a predatory fashion with no regard to client 's needs. BOA is behaving like a big bank that does not care about customers or customer service. If they can not produce the evidence of me being the Guarantor in the next 10 days I will take them to the small claims court to recover my {$1900.00} that they stole out of my account. I will never ever bank with this company again they are not to be trusted and I will definitely be sharing this tale of terror with as my business connections as I can. This is not the first complaint I have filed against BOA in XXXX XXXX after I paid {$6000.00} into my BOA credit card to pay my property taxes they elected without my consent to lower my credit limit on the credit card by {$6000.00}. They have really demonstrated lack of trust and seem to be a law unto themselves. They are ruthless by just taking money out of peoples accounts without even consulting clients. 
This Big Bank practice has to be stopped it is unfair to all banking consumers.

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