Consumer complaint received 2020-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/XXXX, I applied and received approval for a balance transfer to get my finances in order. I promptly began paying off this balance and it was paid in full by XX/XX/XXXX. The issue is that I had my system set to autopay for both auto payment out of my bank account and auto pay directly from the website. This was to ensure that I met my obligation plus a bit extra when I was able. In XX/XX/XXXX, I sent the final payment and turned off autopay from my bank as well as going to the Band Of America website and turning off the autopay there. What I didnt realize was that the manual turning off of the Bank Of America  withdrawal did not go through. 
Therefore from XX/XX/XXXX to XX/XX/XXXX Bank of America was still withdrawing XXXX per month from my account. There are personal reasons why I didnt notice at the time. When I caught the error, I contacted Bank of America and was told that they would assist in resolving this issue. Looking at my bank records from XX/XX/XXXX to XXXX of XXXX, I had paid {$7000.00} into Bank of America, which had zerod out every time it hit {$2500.00} and they would send the check. I received the check, but had assumed it was either SPAM or a loan offer which banks send from time to time. I didnt need a loan, so I tore up the checks thinking they were irrelevant. So when I called Bank of America there was a lengthy discussion over the checks and I explained that I had torn them up. The Bank of America representative stated that they would have seen if the check was not cashed. The system was not reporting either way. So the representative said they would be sending a check for {$2500.00}. I received a check for {$2500.00} and had found another check for {$2500.00} in my stack of paperwork, but never received the last {$2500.00} check. I went to the Bank of America kiosk where you teleconference with a representative and they said they could not help with an open case. I called Bank of America and they said cash the {$2500.00} check and that they would deposit {$2500.00} into my bank account and send me another check for {$2500.00}. I deposited the {$2500.00} check and they deposited the {$2500.00} into my bank account. A few days later, the check I had cashed was returned and my account was hit with a fee. 
So, I got upset. I has still had a {$5000.00} that was being held by Bank of America and  the check they sent was returned with a fee. So I figured that I would put the amount that I was still owed by Bank of America on the credit card via purchases and cash advances ( I could not spend {$5000.00} for personal needs in one month ). When the bill time arrived, I called and explained and BOA would not help. The balance went past due, went to collections. I had called both bill payment and the collections. No help. I ended up paying I tried making a payment of XXXX to bring my account current, but frankly am tired of dealing with this. I have a total deficit based on fees and payments of {$1200.00}. 
Enclosed is a spreadsheet with what I paid into Bank of America, with associated codes as well as the bank verification information for the withdrawals. I would like to have my Bank of America balance cleared and fees I incurred taken off. I would also like the extra amount that I paid returned and the bank fee returned which equals {$1200.00}.

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