Consumer complaint received 2017-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
what happened full not to be confused with Consumer Protection Bureau submission # : XXXX - XXXX due to Bank of America intentionally not providing me a digital copy of my account history so that I could properly claim my claim with Consumer Protection Bureau due me telling bank I need a copy of my bank statement in digital form to match all the other documents I need to upload to the Consumer Protection Bureau.. Bank of America intentionally did this for the exact same duration of time they can legally close an account and put in collections. date duration of time was of course of over 3 months I would lie to repeatedly on dozens of phone calls and attempts to receive a digital copy of my bank statements I was told repeatedly I was not able to it is impossible but then every so often a honest representative would say that it is but there attempts to do their job and serve the customer were quickly stopped so that I could not submit my claim with the Consumer Protection Bureau containing the proper evidence which was also in digital form such as screenshots and audio recordings of their automated banking system saying inaccurate information about account I am told I could trust and is highly accurate making it impossible to balance a checking account or know where my money is going making it very easily to lose control of the account standings Bank of America did nothing to protect clearly why I am in debt they claim but I have never been in debt in my entire life nor would I have ever moved to the State of XXXX  1500 miles away from my family to be by myself to be broke and in debt. 
everything is mentioned in the uploaded documentation I uploaded, Done for leverage to collect their fees causing anyone in similar issue the inability to open up a checking account with another XXXX XXXX due to XXXX Bank of America did all this intentionally to collect fees as mentioned in documentation I provided nor did they protect my money like I was verbally promised multiple times I had nothing to worry about my money is safe and will be returned in claim. 

What happened1 As of XX/XX/XXXX I needed the cash in my bond for {$15000.00} from my great grandmother this Bond according to the will is to be used for my education or a home or business it is to be invested into my future directly related to why I had to move out of XX/XX/XXXX state to XX/XX/XXXXbecause I wanted to start a business I wanted to get off the medication I 've been on for over 10 years that the past five years I 've gotten myself down from XXXX XXXX a day to XXXX  a day. And every winter in XXXX XXXX I would go back up to XXXX XXXX too sometimes XXXX daily as prescribed due to my XXXX XXXX XXXX lack of sun in XXXX XXXX during winter played a huge role on My Success because winter hindered me and made me XXXX every year which caused me to take more of my medication moving to XXXX and starting the business that I 've always wanted to start with my business and budget how to effectively spend the money safely so that I have nothing to worry about so long as I have everything done within 16 months of moving there my budget included everything from living expensive rent food cigarettes medication doctor visits gas and spending money because you need it for your sanity. 


In XX/XX/XXXX I went to Bank of America to cash my bond in full to {$15000.00} that I had a safe I would be leaving it in and dividing the money up into envelopes labeled the according budget restrictions. I had a strict leaving date due to my father taking time off of work to drive following me down in his truck while I 'm driving my car with trailer full of my belongings and my car full of my belongings as well I was told that I could bring my bond to any XXXX XXXX  to be cashed in full anything over 30,000 needs to be reported prior to this was only {$15000.00} Bank of America would not cash my they said they did not have the cash on hand and I was leaving with Saturday morning I brought my bond to the bank on Friday stay before moving. I explained to the bank of America 3 months ago the letter I received why I need to cash this Bond and have it in cash as documented in the upload I am attaching in the uploads too short and sweet in it I received letter from XXXX about while I had XXXX for my mobile carrier the XXXX data breach and my identity and personal information was lost in data breach XXXX paid for my identity Protection Service due to the XXXX data breach that I am an increased risk of identity theft to monitor my social security number and all bank accounts and any other identity related factors the letter stated that I should monitor my everything very closely. I already had a bank account with a credit union however by law Credit Unions not cash Federal bonds they can only be cashed at commercial Banks. Six months prior to recovering letter my credit union account out of nowhere had fraudulent activity on it and something tried to wipe out my account completely and almost successfully did so but did not confirm the correct area code. And that I had just gotten that straightened out with my credit union and that I had just gotten this letter three months ago this occurred in XX/XX/XXXX telling them I got the letter 3 months prior prior to XXXX XXXX is when my credit union account was compromised why I did not want my money in a bank account with any connections to the internet or online banking what day is shared me my money would be safe is protected if any money is missing from your account ever it is refunded in claim of loss. 

Months XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX my account activity was normal up until early XX/XX/XXXX I accidentally left my newly chipped card in the chip card reader instead of swiping I never had a chipped before I accidentally left in the card reader at a gas station almost 6 hours when I went back to the gas station to retrieve my card I called Bank of America immediately to check for any fraudulent activity while my card was not in my possession said there was no card activity during that time that I do not have to get a new card number or anything I have nothing to worry about. 

Everything happened on my account until the end of XX/XX/XXXX when I started to notice my account might be off by XXXX or {$100.00} but my account had over {$12000.00} in in it. 
XX/XX/XXXX was an expensive month I had to transfer my vehicle to XXXX and pay all the DMV fees and start a new insurance policy and it just so happened to fall right around the same time I had to pay my Room & Board whatever you want to call it rent I spent around {$1500.00} on that alone in total over the course of a 10 transactions whether it be me pull money out of the ATM and cash or I used the card directly I Justified every transaction until it happened again but this time the {$1500.00} I thought I spent looked more like {$3500.00} or {$4000.00} at that time within a week I had to get my medication filled which was {$500.00} but my prescription lasted me a few months so that transaction made so what should have been around {$2000.00} from XXXX was less than {$9000.00} when I brought it to their attention that there is a serious issue this was XX/XX/XXXX when I can say return everything back to this point I had control of my account and I just started to lose control and I put my trust in to Bank of America calling them on a daily basis to inform them of and what 's going on that I had specifically asked the representative to notate on my account there is documentation of the event and that I am not held responsible I am at a loss and I kept telling them I sure hope you guys you guys keep your word that my money is protected and I will get this back I scheduled phone calls back with Advanced technical support Representatives look over all of my account activity and any additional factors take money out of my account without being picked up on. I received one call and the representative said there are too many things to go over with on the phone but I assure you we are looking at over we will be in back in contact I never received another phone call and I thought that I had the right branch of the bank taking care of this issue. So I went back to being the normal me that did n't feel like I had to check my bank balance often as long as I was sticking to my budget I have XXXX XXXX and I get distracted and if I go and start checking my I may go far in depth in it waste hours of time it 's it 's hard working against yourself but that also factored into why I did n't always check my balance I always just thought my money was safe and like the bank said it 's secured and I 've been waiting for the call back from the person from the bank and two weeks gone by and I did n't hear from them when I would try following up with the bank to get them myself the representative with no notate my account that I called in regards to why I have n't heard back from the person and was informed I should be waiting for a phone call from that person still so I was not proactively doing anything about my bank account Bank of America just basically told me that just so I would stop calling them because I never received any other phone calls back and I would call them to ask why have n't received a call back yet and I have n't had an update and I needed to know what happened to that {$2500.00} that was is unaccounted for by now a month-and-a-half later {$5500.00} and my total monthly spending should be {$750.00} but it 's only been a month and a half I 'm only halfway through the month! {$750.00} for everything for that month I wo n't spend it for another 2 weeks when the month is over XX/XX/XXXX {$550.00} - {$2200.00} It 's like every time I check my account my balance was cut in half or just shy of it. 

So I put the claim in and I discovered the discrepancy with the ATM the phone service and app. 
At that same exact time my XXXX account got hacked, and someone claiming to be my acquaintances on XXXX was trying to extort {$1000.00} out of me which I immediately made a police report about and all the evidence of the XXXX hacking conversation that the person blackmailing me texted trying to extort the money out of me and the connection with why my XXXX account and Bank Bank of America account are connected. 

I was unsuccessful at having my pictures of the screenshots of being blackmailed located due to the way the files are uploaded onto the website I can not view photos I must upload the other photos photos as proof

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