Consumer complaint received 2023-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Bank of America XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX RE : Second Request for Refund of {$45.00} Unlawfully Deducted from my Wire Transfer Funds XXXX : XXXX XXXX XXXX XXXX OMAD : XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX Today, Wednesday, XX/XX/XXXX, I spoke with your Bank of America representative, XXXX XXXX XXXX Client Care Executive Response Team , at XXXX, extension XXXX, Tuesday through Friday XXXX XXXX to XXXX XXXX Eastern and Saturday XXXX XXXX to XXXX XXXX Eastern. 

XXXX XXXX told me that the {$45.00} fee was charged by my credit union ( conversation was recorded by Bank of America ) for the failed wire transfer. XXXX XXXX XXXX XXXX ( XXXX ) denies that allegation and directed me to the below transaction on my XXXX account which details the {$45.00} fee was charged by Bank of America. I have included a text copy of the transaction and a screen image of the transaction. 

Text of Transaction XX/XX/XXXX MISCELLANEOUS CREDIT WI-WIRE - INCOMING DOMESTIC ( XXXX ) BK AMER XXXX UNABLE TO APPLY NEED VALID CREDIT ACCOUNT {$45.00}. 


Screen Image of Transaction ( Note : Screen image was not compatible with this format and did not copy and paste. ) Follow-up For the second time I am requesting a refund of my {$45.00} illegally withdrawn from my wire transfer funds. 

I look forward to hearing from you soon. 

Thank you. 


XXXX XXXX XXXX XXXX ( work ) XXXX ( cell, no cell access at work ) XXXX ( home ) XXXX ( email ) -- -- - Forwarded Message -- -- - From : XXXXXXXX XXXX XXXXXXXX XXXX To : XXXX XXXX Cc : XXXX XXXX Sent : Saturday, XX/XX/XXXX at XXXXXXXX XXXX EDT Subject : Refund Request of {$45.00} Unlawfully Taken From My {$1500.00} Wire Transfer to My Aunt 's Bank of America Account XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Dear XXXX XXXX, I am writing this message to request your help to refund my {$45.00} deducted by Bank of America XXXX BoA XXXX from the {$1500.00} wire transfer that I attempted to send on Thursday, XX/XX/XXXX, from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX checking account to my aunt 's BoA account in the Federal wire transfer XXXX detailed below : XXXX : XXXX XXXX XXXX XXXX OMAD : XXXX XXXX XXXX XXXX How is it legal and/or fair to take deduct money from me without my permission? The agreement that I accepted with XXXX was to pay a {$15.00} fee for the wire transfer, but there is no stipulation in my XXXX agreement that I will pay a {$45.00} fee to the receiving bank ( i.e., BoA ) for an error in the transaction. 

Consumer Rights If a financial institution such as a bank or credit card company, or even a debt collection company or any other creditor, withdraws funds from your account for at least three regular intervals, such as for three consecutive months, without having a ) first obtained your consent in writing or through something similarly authenticated, and/or b ) given you a copy of any document that you signed authorizing the prerecorded electronic fund transfers, then you could be entitled to up to {$1000.00} in statutory damages in addition to your attorneys fees and costs being paid pursuant to the federal Electronic Funds Transfer Act ( 15 U.S.C. 1693 et seq. ) I admit that there was a missing digit in my aunt 's, XXXX XXXX XXXXXXXX XXXX, BoA account number, but that error was corrected and the wire transfer was successfully sent again on Friday, XX/XX/XXXX. Additionally, I also paid another {$15.00} wire transfer fee to my XXXX for the retransmission of the wire transfer. 

Follow-up Your help to refund my {$45.00} would be greatly appreciated. 

I look forward to hearing from you soon. 

Thank you. 


Sincerely, XXXX XXXX XXXX XXXX ( work ) XXXX ( cell, no cell access at work ) XXXX ( home ) XXXX ( email )

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