Consumer complaint received 2023-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have been a customer of bank of america for XXXX  years or so in different accounts ( some closed some open ) and currently I filed a complaint against bank of america because they are collecting from me the loan they did with other people and I do not even have the note or a current statement and they want XXXX for the loan on a loan forcing me to sell myhouse to pay them. I think they got upset because of this and instead of charging back the retailer for product I did not request, they charged my account XXXX XXXX  and overdrew my account. I was laid off and I do not have income coming in, so bank of america changed their fees and charged me XXXX $ to keep a savings account open and {$4.00} to keep my checking account open. I need them open because this is the account where I paid about XXXX cash to bank of america for the countrywide and nationstar loans bank of america is collecting in the foreclosure case which is what the jdudge needs to make sure the bank credits us for the mortgage payments as the banks are not telling us how much we owe them or send us a mortgage statement but want to liquidate our assets for the debts of a third person on our house taken when the property was not theirs. We got title insurance. the bank wants to take all our assets for old debt of XXXX XXXX and XXXX XXXX we are not related to nor cosigned for them. 
Any way, this particular complaint is about a charge from XXXX XXXX charges on my bank account. I fell down the stairs while on training under the XXXX vocation program ( IPE attached ) and XXXX did not cover as I was out of the state of NM, so I was billed XXXX and could not attend physical therapy or anything until I return to NM and I did to get healed. While waiting for medical resources, and using XXXX, a XXXX link popped up and had a link to a free account to find more about the muscles I injured ( bones were dislocated at the shoulder when I grabbed a spindle on my way down from falling from the top of XXXX stairs down to avoid hitting the wall ). 
I looked at the information and forgot about it. I discovered I ws charged XXXX dollars or so for the information that was deemed a " free account ''. I did provide my email and the numbers on my card because that was the requirement to get the " free account ''. 
I then noticed the temporary charge back. the retailer said they emailed us the information that they are using our financial information to do recurrent charges and that they got our email so they can charge and charge and I tried to get them to stop earlier but the would not so that I called the claims department at bank of america and they were not helpful. 
I have attaached the emails that were discovered in the spam folder and the initial free account offer from a XXXX marketing video. We want the charges removed as this has overdrawn the account. I have no income at the time as we were laid off during covid. I am an older person and have a disabilty so it is harder to get a job for me but I will, I always had and I recently finished the educational part with the division of vocational rehabilitation ( attached ) but need to study for my license and in the meantime I applied to all jobs I could including similar jobs than the one I had a XXXX a pharmaceutical rep, which I was laid off when bank of america XXXX ( loan XXXX ) contacted HR for validation of the debt of 2008 that the XXXX 's took that the loan XXXX wanted to include in my credit as it ws XXXX about 10 years ago but XXXX and XXXX XXXX XXXX ( XXXX ) debt collectors are collecting and got a win because mom was hospitalized with covid and I ws sick so we did not know how to respond as we are not attorneys but are given the same power and knowledge level as them being prose. So ini the middle of being destitute, and faced homelessness, there is the productso or merchandise of this retailer on a freee account we want refunded and they do not agree based on having our fiancial information and email obtained for the " free account ''. I do not any longer have unemployment as it ended and I would not and could not afford XXXX XXXX  as I am on XXXX and XXXX until I find where my next paycheck comes from.

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