Consumer complaint received 2023-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America messed up giving me an account with them XXXX XXXX. I bought me 2 books to keep up with every transaction made, every transaction that was pending or already  taken and no longer pending. When my money started coming up missing it would be becuase they would decline my transactions take the money then say they gave it back when I never got a letter or notification for it...sometimes they declined giving me a claims number...I gave them every sign my account was being compromised and they refused to investigate it yet made it seem like the transaction was done...well for the most part the transactions were done but either  the money was not given back and they told me now it can take 45 days to recieve your refund back but never got notified of my deposits but I started getting print outs from different bank of Americas in different counties  and sure enough each statement looked different. Each transaction was shown on different dates the statements didnt look the same at all. 
From XXXX XXXX XXXX XXXX  Bank of America failed to properly investigate each issue that occurred with my bank account when calling in. The first time I called in with in an issue was XXXX XXXX XXXX  I made multiple attempts at the atm in XXXX  SC knowing there was a balance over XXXX in the account, due to calling before I went to the atm to pay my cousin XXXX  for taking my neices to XXXX Before, my cousin approached the vehicle I noticed something on my phone that never happened before it showed  or popped up a notification XXXX XXXX XXXX  but I didnt have XXXX XXXXI brushed it off she drove me to XXXX to drop my neices off with their mother. On the way back i had her stop at the store so i could get her XXXX for driving me to drop them off. Before getting out the car the XXXX XXXX XXXX popped up again. I went to the ATM tried withdrawing first XXXX, then, XXXX XXXX XXXX XXXX XXXX each time the card declined, but gave me a reciept showing oveXXXX XXXX  in the account. I left that store then, went to XXXX XXXX store  close to my cousin (in her XXXX) house before getting out i asked did she have XXXX  she told me NO..because I was going to make one just to send her the XXXX Before getting out the car and walking into XXXX XXXX  the XXXX XXXX  notication came on again. I get in the store to get cash back..trying 8 times buying something for XXXX  and requesting XXXX back it didnt declined it cancelled so the manager said i had to contact my bank he couldnt refund me the funds that was just removed from account even though I never got the purchase or the money back. I looked at the Bank of America App and noticed not only those transactions were removed from my account the transactions from the other store's atm was removed leaving me with only XXXX  plus dollars. I then asked in tears if they had an atm he said yes. I tried withdrawing XXXX  the machine didnt give me any money the red light started blinking so something told me to put my phone on apirplane mode because the XXXX thing popped up again on my phone . I put the phone on airplane mode and inserted the debit card and it gave me XXXX leaving me with only less than XXXX in my account. Crying upset frustrated telling myself this is was i isolate my self and stay away from everyone because I get around family money always come up missing physically or through my bank account. I dropped my cousin off gave her only XXXX then, called Bank of America a XXXX XXXX gentleman he was  told me no worried if it a few hours all my money would be back in my account. Well it never did that day so the next morning I called back and asked about the XXXX the other guy stated that no worries it was the weekend this happens all the time give it until XXXX XXXX  all would be back on the card this was on XXXX XXXX XXXX Out of all the money only XXXX was placed back into the account and from that day forward my phone number couldnt be authenticated over the phone, every representive made me drive to the branch even the managers were getting upset due to telling me no worries it wont happen again but each time money came up missing I would call I couldnt be authenticated. They made it appear that I was me and it wasnt. I called and ask why did I receive a notification that my username was being looked up back to back between XXXX and XXXX they said no worries its nothing change the password so I did that. But then XXXX  I would wake up around Tax Season and have notifications on my device stating I moved money from one account to another or I logged in late at night when I was sleep. I called and notified them of this issue it was brushed off. Then, when my taxes hit the savings account the day before i notice my daughters father child support payment popped up 3 times in my account and then before i realized I need to screenshot this the 2 other payments were deleted. But my daughter name was added to my account by someone remotely it showed my daughters name and POD and my son name was added to the Savings Account POD without my consent. I went into the branch showed this to them they said I done it i told them if i done it i wouldnt be in here complaining and i would have removed it myself but it wouldnt let me remove it. I had to go into the branch in XXXX SC. By the time I got home I recieved an email stating my daughters name was placed back on my checking account without my permission. I called and was told to go to the branch Monday morning about it. On XXXX XXXX I recieved XXXX from XXXX XXXX advance from taxes and then XXXX XXXX over XXXX from the rest of my taxes. Which on was a Friday. I went removed XXXX from the account placing XXXX  in the checking account...so i thought come to find out it was put in an account that had been closed for 2months suppose to have been. The branch manager force moved XXXX to the right account but then the ATM declined the XXXX I requested bringing back to the bank. Went to XXXX had to leave everything due to suspected fraud card was block and fraud dept never answered or picked up the phone. which was bizzarre over the weekend from Friday to Monday I had 9 declined transactions that was removed from my account and no explanation to why. They stated it was there but I have reciepts proving they werent me and the detective for white collard crimes both went in..there was no checks and balances on the statements. I lost over XXXX fast possibly more...im nota forencis data analtycs but I got a copy of my report from XXXX XXXX  and the reason why is the bank was allowing possibly or allegedly allowing someone to alter my funds and account which is part of the reason my kids names were added to the account and my medicad number was linked to my sons SSN so their dads taxes wouldnt be offset ...just found this out by billing with XXXX XXXX...they linked my medicad number to my son so it would appear he was an adult him and my daughter....when requesting copies from XXXX XXXX XXXX  in regards to the information I sent them...i requested it in XXXX and still yet they have not found them they forward W2 forms that I didnt give them from an email I didnt have that was breached 2 years ago...i never sent the W2 detective asked did they give me copies of my taxes i told him no..so i went up there and asked for the last 3 years and sure enough the closed account that was supppose to be closed money was deposited to that account on XXXX XXXX  but i recieved my deposit to another account the right account XXXX XXXX. Tax preparer XXXX XXXX didnt file my taxes due to me and my kids being victims of ID and financial fraud the manager has always called me and dealt with me 1 on 1 we have XXXX XXXX. I noticed the return didnt show my sons XXXX XXXX which means someone else filed him. I had someone from XXXX XXXX look at it and alot of things were wrong with the return. Filing date, my kids middle initals were gone, my son XXXX XXXX wasnt listed the date it shows me filing is wrong. The date the IRS had XXXX have and the truth are different. I didnt get my sons XXXX XXXX via mail until XXXX  so i could have not filed XXXXXXXX XXXX XXXX shows the following false altered information on this account. Im conviced these transactions are either being done illegally but illegal business practices from debt collectors whom think someone elses debt is mine and taking it illegally without no notice. Ive been denied health care or should I say proper health care due to possibly all those fraudulent health bills that every year i prove arent mine. 
Based off the credit report I received from XXXX XXXX I done bill pay for XXXX XXXX XXXX  for XXXX that was suppose to be taken out and it was taken out from acct ending in XXXX check number XXXX  was removed by XXXX XXXX XXXX and Bank of America XXXX...I live in SC I never banked with BOA or XXXX XXXX  This is the same day the forced closed my account but the thing is the account had the XXXX in there and was removed on XXXX XXXX XXXX XXXX XXXX  The landlord called me and told me it was good and rent was paid. But then, called me back on the XXXX XXXX XXXX  stating the bank stated insufficient funds which that wasnt true. So XXXX  was removed from account but it appeared it wasnt but it really was. On XXXX  my card declined for XXXX XXXX  twice for XXXX  I never got that back on XXXX  i had to transfer XXXX because my checking account was negative XXXX  but BOA stated it wasnt in the negative but I went into the branch told the teller to remove the XXXX  from Savings until I get all the declined transactions back from over the weekend.On XXXXXXXX XXXX declined for XXXX it was removed from the account never given back on XXXX XXXX declined foXXXX XXXX On XXXX  i woke up with a notification showing a new device had logged into my account at XXXX ...im in the bed by XXXX There was on XXXX  new device login at XXXX XXXX when the 3 child support payments magically popped up and 2 removed and my daughters name added to my checking account and my son name added to savings account there was XXXX removed from Savings accountand XXXX  acct-XXXX same day i received a XXXX  debt bill from XXXX when someone opened the account using fraud address. After speaking to XXXX they informed me that it didnt show me having an account with XXXX and XXXX XXXX. 30 min after getting off the phone and freezing the account my XXXX cut off and cut back on at the doctors office by itself asking for a XXXX XXXX, so i had to drive 35 min out to the store because they said i had to show my id to get it. On XXXX i filed fcc report due to breached email called IRS to check the status of my sons XXXX XXXX  they said it was sent out on XXXX but XXXX  shows me filing on XXXX on XXXX  i walked in BOA and had them print me 2 statement both different hours of the day and they both looked different delayed by a week for transactions. On XXXX i uploaded requested documents to XXXX XXXX for Advance on IRS check ordered a new XXXX due to compromised accounts.XXXX  i had to order a new debit card///on XXXX spoke to XXXX XXXX  told them to change my account number and on XXXX XXXX XXXX deposited the funds to the correct account on XXXX the phone shut off again asking for a XXXX XXXX when turning back on randomly. My credit report shows a new account was opened for Bank of America on XXXX XXXX are all new opened accounts without my consent linked to my account. i opened the account on XXXX and XXXX  on XXXX the day before XXXX stated I filed my taxes XXXX a new account was opened without my consent shows two checks for XXXX  and XXXX insufficient funds and the other item. I get court ordered child support from  SC but the deposits from for my daughters father shows Bank of America NC it shows ACH deposits from BOA NC but i dont live in NC on XXXX  twice it shows my rent was removed from BOA of NC check but it shows ACh deposit but it was bill pay which means a check was sent to the company. Several XXXX XXXX deposits I never seen with the acct ending in XXXX that was suppose to be closed in XXXX  on XXXX i paid XXXX XXXX  but the bank stated there were no funds in the account for XXXX but there was  fund to cover the bill. then it shows XXXX there was a deposit on XXXX

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 monetary relief