Consumer complaint received 2017-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Update : I spoke with a bank representative on XX/XX/2017 regarding same charges associated with this new/updated complaint. Representative submitted a partial fee refund of {$100.00}, 50 % of the fees acquired in the course of 11 days ( {$210.00} ). Since speaking with the representative I have incurred 2 additional {$35.00} fees totaling {$70.00}, after being told I should not expect any additional fees until XX/XX/XXXX. These fees were charged on XX/XX/XXXX and XX/XX/XXXX. In addition, I am currently in the dispute process with XXXX for unauthorized charges that were made on my account in the amount of {$130.00}. This charge was attempted to be deducted out of my checking account twice, was returned, and a fee of {$35.00} was assessed both times by Bank of America. I have documentation of this ongoing dispute. In conclusion, the call received on XX/XX/XXXX did not resolve my complaint in its entirety. I was under the impression that zero fees will be assessed after that call. Since then, 2 new fees have occurred. Bank of America continuously give inaccurate information. 

Imported from previous case opened on XX/XX/2017 : I am a long time Bank of America customer, starting off with this company with a Student checking account many years ago, and am saddened to say how disappointed I am in the practices at this institution. I spoke with Bank of America on XX/XX/2017 in regards to transactions made on my account between the dates of XXXX-XXXX. In the course of 11 days my account incurred six fees of {$35.00} each, totaling to a whopping {$210.00} worth of bank fees. I was told these fees were incurred due to 3 separate transactions that were attempted to be paid through my account. Not only am I a victim of these excessive bank overdraft fees, they are also unwarranted. There has been occurrences in the past where I was told that the BOA mobile app does not accurately show your available balance and that you must go to the desktop version of the site in order to view your actual balance. The misrepresentation of account balances is another way to push customers into overdraft, allowing the banks to collect multiple overdraft fees. 
After speaking with the bank rep, I was told that I may opt in to overdraft protection, in which if a transaction can not be paid, it will simply be declined by the bank. I am extremely upset that this is the first time I have been notified and given this " option ''. With that being said, since I am not currently enrolled in overdraft protection, any attempted transactions are to be paid by the bank. The issue here is that not only were the transactions between the dates stated above returned ( NOT paid/declined by bank ) but a {$35.00} return item fee has been charged to my account six times ( three in one 24 hr prd ). This is insanely ridiculous. I do not wish to end my longtime relationship, however I am a hardworking XXXX year old, that simply can not afford to throw money away on bank fees. If this issue can not be resolved, I will research alternative banking options.

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