Consumer complaint received 2019-12-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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:
place of transaction : Bank of America, XXXX XXXX XXXX XXXX, XXXX, MO XXXX XXXX monday, XX/XX/XXXXXXXX knew i was going to need to cover for my mortgage and medical expenses so i got XXXX of my cash to deposit into my checking acct for tomorrow ( since i had to pay on an installment loan ) tuesday XX/XX/XXXX-went inside to make installment payment and my XXXX cash deposit. 
i was there from XXXX XXXX  ; noticed cashier had a book at the desk and her hair in a ponytail. she was the furthest to the right. she used my debit to run through and when i was walking away she asked if i wanted my receipt. i said no. thinking that they just used my debit card to deposit my money. i specifically remember having my XXXX on my left side ( 4-XXXX bills ) and my installment coupon and checks on my right side. 
thursday, XX/XX/XXXX - went into my sign in -online banking -- to enter my receipts and put in my checking acct. noticed there was an overdraft protection of XXXX and my XXXX cash NOT deposited not in ckg.. I checked to see if it went to my installment loan? and my kids accts ( since my name is on their acct -- no not there either ) then my credit card that i have with them-not there either. i noticed that there was XXXX against my credit card and overdraft fees and interest on a cash advance due to this? 
noticed overdraft protection and transfer of funds dated for XX/XX/XXXX- 3 days after my deposit? WHERE DID MY XXXX GO? 
friday-XX/XX/XXXX - went to the bank after work. i went in and requested to talk to the branch manager.. the branch manager was not there but the next in charge. so i talked to her. XXXX? i explained to her what happened. and i said i don't know where it went but it needs to go back into my acct and somewhere someone's acct was credited or it disappeared?? 
i mentioned that we need to go to the cameras and check. she said that the branch manager is XXXX XXXX and he is out until wednesday XX/XX/XXXX. 
thursday, XX/XX/XXXX-XXXX  left a message at XXXX for me to call her regarding coversation from last week or i could talk to XXXX. i called called XXXX ( this is the number that showed up on caller id ) at XXXX XXXX - it just rang 5 times ; called it again at XXXX and it just rang. 
friday, XX/XX/XXXX-will go into bank and talk to XXXX, branch manager. next option will be police report and consumer financial protection. 
talked to XXXX, he states that him and XXXX went over the e-journals and didnt find anything. i said go over the cameras. he said he could not do that unless it was a forgery, robbery or something serious? and instructed me to make a police report. 
called the police department to see if i could do it over the phone.went on my lunch hour and sat sat-XX/XX/XXXX-went and made another attempt to make a police report. spo w/sgt XXXX  XXXX  he wanted me to make sure it didnt go into one of my other accts with the bank. 
tues-XX/XX/XXXX-i left message on sgt XXXX  XXXX  voice mail ( vm ) about it not going into another acct as a confirmation that i did check fri-XX/XX/XXXX-still have not heard from the police officer as of date ; left vm regarding following up on case # XXXX w/sgt XXXX  XXXX  ( XXXX police dept XXXX / XXXX ) as of date, not in any of my accounts ; have have been charge against my credit card, and a transaction fee which i should not be. this should be reversed off my credit card and my cash deposited into my checking account.

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