Consumer complaint received 2021-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a checking bank account with Bank of America for almost the past decade. 
I do have extensive business relationship with the bank as well. 
I had a residential home mortgage with the bank as well which I paid off recently. 

I am required to use my debit card # XXXX each month in the amount of at-least {$250.00} to avoid a $ XXXX/month fee. 

I use extreme caution to comply with bank requirement to avoid a punitive charge. 
After a prolonged XXXX related home XXXX, we took a business/personal visit to Colorado and Wyoming area. I used the Bank of America debit card to pay for gas and other small expenses. Accidently, my account balance went up by only {$14.00} for less than 24 hours. 

Bank of America immediately took a punitive action against my debit visa card account and slapped me with a {$35.00} overdraft fee on XX/XX/XXXX ( the day when the overdraft occurred ). However in less than 12 hours, I had brought the account back to compliance and had a positive balance in the account. 

I received bank statement on XXXX. I contacted Bank fo America. I explained to the hard headed representative XXXX in XXXX, Florida that it has not been the case before. I would like the fee to be reversed as a courtesy. He refused instead. I explained that we were on the road and there was no branch in Wyoming for me to deposit the cash immediately. He remained resistant to listen to me. I thought that COVID-19 had done enough damage to all of us and as an XXXX XXXX XXXX in active practice and Bank of America customer since XXXX, I would have deserved some sympathy but that was not the case. I was told that it is not their problem. 

I asked for his superior who was counseled by initial customer service representative XXXX. XXXX was also based out of XXXX. He heard me but I was not listened to. 
He indicated that due to COVID, bank of America is trying to get every penny that they can get hold of. I was totally disgusted. Here I am saving XXXX  and not getting paid, taking XXXX  and XXXX XXXX to save children and parents of people like XXXX and XXXX as a front-line XXXX XXXX during this pandemic and he tells me that he tells me that it did not mean anything to him. Obviously I was in a wrong profession. Bank of America should be required to change its name to Bank of arrogant employees and should never be allowed to use our country name Is it not the same bank we saved in XXXX time period. Am I not saving the people who work for the banks regardless of their ability to pay when they present with COVID-19 in my XXXX XXXX. 80 % of my fees have been uncollected due to pandemic. I never refused anyone. Is Bank of America ignorant in hiring its customer service staff again. They should truly be fired. Bank remains a poor standard for our country due to its predatory practices and processes. It does not respect its own citizens. My mind was trying to find the answers for many questions including : I wonder if its leadership ever got financially affected by COVID-19? 
I have been a loyal customer who has banked with the institution for an extended period of time. 
I do have multiple accounts with the bank. 
I make regular deposits to your account? 
This overdraft was a rare occurrence? 

I would like the bank to reverse the {$35.00} fee, Opt me out of the over draft protection that I never signed for and apologize. This is my first step. I would take this issue to attorney general 's office, other relevant government agencies and interview with media. In the meantime, I am ashamed that an institution like Bank fo America exists that does not train its customer service staff to be sensitive to bank customers. They really need to return to school to learn the basics. We are in the middle of a pandemic. Where did sympathy go? 

Thanks for your time and hope to hear from you. 

XXXX XXXX XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX department Past XXXX, XXXX XXXX XXXX XXXX XXXX, State Chapter

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