Consumer complaint received 2017-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XX/XX/XXXX I purchased an armchair from XXXX for about {$450.00} using my Bank of America Debit Card. The transaction was immediately reflected in my online bank account. My armchair was set to be delivered on Thursday XX/XX/XXXX. On XX/XX/XXXX my armchair arrived and later that day by XXXX I received an email notification from XXXX that my card was charged. Come Friday or rather Saturday at XXXX I received an email from Bank of America stating that my balance for my checking account was below {$25.00}. I had just gone out to eat and so that made sense. I check my bank account and it says that I have {$500.00}, now that did not make sense. It was not payday so I should not have had any direct deposits. I scrolled back through all my recent charges and finally realized that the charge for my XXXX armchair was missing. With the charge gone my account now claimed that I had an extra {$440.00} that it really did not have. I have heard of Bank of America moving around people 's charges so that they will incur overdraw fees. I felt certain that this was the case. If XXXX had charged the card on Thursday XX/XX/XXXX at XXXX why would n't the charge be there Saturday XX/XX/XXXX at XXXX? At the very least it should at least say that it was processing. It was not there at all. More confusing still, the charge used to be accounted for. The last time I had checked my bank account balance that week I had only about {$100.00}, now I had a little over {$500.00}. Throughout the weekend I tried not use this checking account ( I have another ) just to see what would happen. By XXXX Monday XX/XX/XXXX my account still said that I had an extra XXXX something dollar. I placed a call with consumer finance to make sure that my story seemed appropriate for filing a complaint. I was going to go to Bank of America to ask that they fix my account but I arrived at the bank after closing hours. By XXXX Tuesday morning my account balance was accurate, it said I had like {$15.00} in that account and the XXXX armchair charge was labeled as " processing '' since XXXX XXXX. I 'm confused as to why it was labeled for XX/XX/XXXX when it certainly was not visible in my account on XX/XX/XXXX. I am thoroughly convinced that Bank of America was " hiding '' this charge from me, hoping that i might think I had more money then I actually had and overdraft my account. I have provided screenshots of my account statement showing all the charges from XX/XX/XXXX all the way through to XX/XX/XXXX. You can see that the charge is not there. I also provided a screenshot of the email from bank of america stating that, that account had below {$25.00}. I also provided a screenshot of the XXXX email claiming that my card had been charged on XX/XX/XXXX at XXXX and that the order was placed XX/XX/XXXX. Finally I provided a screenshot of my account that shows the XXXX charged labeled for XX/XX/XXXX.

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