Consumer complaint received 2020-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I am opening a new complaint because ( a ) I have been further harmed by BofA with an unauthorized withdrawal of {$870.00} on XXXX XXXX ; ( b ) there is no way for me to provide an answer within complaint XXXX ; ( c ) I have been unable to get in touch with BofA. 

Background -- -- -- -- -- Bank of America 's response to XXXX omits facts from the record to provide a slanted version. Here is a complete history. 

* On XXXX XX/XX/2019 I changed the authorization to automatically place payments of amounts due on my credit card from my XXXX account to a newly opened one at XXXX. 
* My records show that on the same day XXXX XX/XX/2019 at XXXX I placed a call to a repre-sentative who confirmed that they recorded my revoking the authorization to charge XXXX in favor of the XXXX account. The call was recorded and Bank of America can submit a transcript to the CFPB. 
* On XXXX XX/XX/2019 BofA withdrew {$670.00} from XXXX. It did not withdraw any funds from my XXXX account, confirming it understood my revocal in respect to XXXX. 
* On XXXX XX/XX/2019 BofA withdrew {$890.00} from XXXX. It did not withdraw any funds from my XXXX account, confirming it understood my revocal in respect to XXXX. 
* On XXXX XX/XX/2019 BofA withdrew {$480.00} from XXXX. It did not withdraw any funds from my XXXX account, confirming it understood my revocal in respect to XXXX. 
* On XXXX XX/XX/2019 BofA withdrew {$3100.00} from XXXX. It did not withdraw any funds from my XXXX account, confirming it understood my revocal in respect to XXXX. 
* On XXXX XX/XX/2019 BofA withdrew {$700.00} from XXXX. It did not withdraw any funds from my XXXX account, confirming it understood my revocal in respect to XXXX. 
* On XXXX XX/XX/2019 BofA withdrew {$600.00} from XXXX. It did not withdraw any funds from my XXXX account, confirming it understood my revocal in respect to XXXX. 

The complete record above irrefutably shows that BofA was fully aware of my revoking on XXXX XX/XX/2019 the authorization withdraw funds from XXXX : not only they confirmed it to me on a call, but, more importantly, they immediately stopped making such withdrawals and did so notwithstanding having multiple bills over a period exceeding 6 months ( from XXXX XXXX to XXXX XXXX ). BofA 's assertion in the answer to my previous complaint that " there has been no cancellation requests received by us to cancel the previously set up Direct Debt Payments from your XXXX account '' is a pure fabrication dispelled by the facts provided -- if that had been the case, they would have continued charging my XXXX account. 

Only on XXXX XX/XX/2019, out of the blue, BofA withdrew {$600.00} from XXXX and another {$600.00} from XXXX. This was the subject of the original complaint. Bank of America should be found culpable and ordered to perform restitution ( inclusive of interest and expense reimbursement ) as originally requested since it knew it no longer had my authori-zation to do so ( as on XXXX XX/XX/2019 ). 

Further incident/complaint -- -- -- -- -- -- -- -- -- -- -- -- -- Notwithstanding of my revoking on XXXX XX/XX/2019 the authorization withdraw funds from XXXX and my explicit demand in my original complaint of XXXX XXXX that it " cease and desist from initiating unauthorized debits against my account at XXXX '', onXX/XX/2019 BofA further withdrew the full amount due on my credit card of {$870.00} from my XXXX account, in *addition* to my XXXX XXXX. 

BofA not only is not authorized to charge my XXXX account, as conclusively proven by the record, but is authorized only to charge an amount equal to the amount due on the credit card, in this case {$870.00}. By charging me a total of {$1700.00} they have also exceeded the limit of the authorization given. 

I am demanding that : -- -- -- -- -- -- -- -- -- -- 1. BofA reverse the ACH debit of XXXX XX/XX/2019 by crediting my account at XXXX {$870.00} plus interest at a rate not less than what applicable to overpayments of tax ( XXXX CFR XXXX, currently set at 5 % per Rev. XXXX. XXXX ) ; 2. BofA reimburse my USPS costs of sending my original certified mail, of {$4.00} ; 3. BofA cease and desist from initiating unauthorized debits against my account at Citi-bank ; 4. The CFPB take action on BofA for repeatedly initiating fund transfers lacking consumer authorization to do so ; 5. The CFPB take action on BofA for initiating fund transfers of total amounts exceeding their authorization ( a total of {$1700.00} vs. {$870.00} authorized ) ; 5. The CFPB take action on BofA for its omitting relevant facts in its version of the history of this case in its response for the purposes of impeding consumer protection. 

Inability to reach BofA -- -- -- -- -- -- -- -- -- -- -- - I tried contacting the person " assigned '' by BofA, XXXX XXXX at XXXX XXXX XXXX, and as I am on business is XXXX with a XXXX time zone difference, there is no overlap in business hours, so I left voicemails explaining this and requesting her to contact me via email. According to my service provider 's call log I placed those calls on : XXXX XXXX XXXX  ( XXXX ) XXXX Outgoing call XXXX XXXX XXXX XXXX  ( XXXX ) XXXX Outgoing call XXXX I have never been contacted via email by her or anyone else at BofA and have therefore been unable to contact BofA.

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