Consumer complaint received 2015-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My account with bank of America was hit with fraudulent activities on different occasions at recurring low amounts and I constantly had to call and report the incidents. Feeling uncomfortable with the protection from this company after A Bank of America representative was on a three-way call with one of the companies as I disputed all transaction coming from them, told me that they can not completely stop the charges from coming even if they blocked them because if they change just XXXX number, letter or name it may still go through. I tired on a number of different occasion on closing the account but was told I had to wait for pending transactions to go through for the account to XXXX out. I explained to the bank of America associate everthing that was going on which only led to them canceling out my debit card and giving me a temporary card after anumber of attempts of signing me up with a credit card or secure credit card because they have better protection. Without knowledge of what else I could do and Upset with how Bank of America runs business I decided to just to wait it out and close the account the moment it went positive. I checked my account every week or so. When I noticed a deposit and a transaction in my account that I didnt make. I called and told a Bank of America representative of what I found. I was told that it was pending and I had to call back after it goes through which did n't make any sense to me. Later that day I was contacted by a woman from bank of america asking about the deposited check which I told her I had no idea where it came from and how I already called earlier about it. She stated it was a mobile app deposit and would be able to find out the location and possible ip adderss and servers that was used. She confirmed that I would have to call to dispute the transaction after it went through but I could dispute atm withdrawal ( which I did n't even realize was there ). I called to dispute and found out that my card was used in XXXX at an ATM and a store. I received call a few days later from the female that called about the deposited check a told me that it was taking care of and do not have to worrry about it. Time passed and I received papers in the mail about the dispute stating that its proved the the charges where found to be legit from the dispute and I had to pay back the money that was owed. I called and disputed the claims and asked can they look into it further. Again I received a letter stating they lookee into the dispute and found it to be my own transactions. I seek professional help but could not afford it. I called and called, I even spoke to managers at banks who could n't understand how I called to dispute and I am not being justified. I asked supervisor at the call centers to please have their fraud team look into ATM footage or go the store in XXXX for their footage if possible. Never Living in XXXX, living Florida and working almost everyday around the days of the transaction was not good enough to prove my case. So now I have this horrible transaction on my report stopping me from having regular accounts with other banks, credit cards to help bulid my credit, credit unions that could help repair my credit and from mortgage loans to assist me with getting a house for my family and myself. This has damaged my life tremendously and has brought hardship to my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation