Consumer complaint received 2023-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX the check I wrote to my homeowners association cleared my account. I was looking on my bank App and saw the check was returned on XX/XX/XXXX. I went to my local Bank of America branch. The branch manager made a phone call on my behalf to find out why. Moneybwas available. I rwas told " they '' check fraud department called but couldn't leave a message. Whybnot text, email, put an alert on my mobil App. No they just returned my check. The call on that day showed up as spam when i looked back. It was explained to me the computer flags it as fraud, and it's up to the fraud department. I actually sent 2 checks. A seperate late fee check in the same envelope. That check didn't show up in my account until the XXXX. Not the XXXX like the other check. Written out yonthe same association, however it wasn't returned for fraud. Why? I asked. The reason, I was told was XXXX is a big difference from XXXX. BOA reimbursed me on XX/XX/XXXX XXXX for causing XXXX check to be late. On XX/XX/XXXX, resubmit of check XXXX. XXXX XX/XX/XXXX in my XXXX XXXX and online, it shows check XXXX being returned. Along with 2 deposits equalling XXXX. The bounced check is the first transaction, then XXXX deposits. I questioned why deposit wasn't put in first because ck # XXXX actually bounced the NIGHT of the XXXX. 
I paid most of my XXXX bills, including a double payment because ck # XXXX never went through. On XX/XX/XXXX, deposited XXXX cash. Although XXXX checks were written for the XXXX, the larger amount check # XXXX was posted first ( my double payment ) then ck # XXXX was posted and after XXXX was put through even tho there wasn't enough money for it. Which caused XXXX to bounce The NIGHT of the XXXX. On the XXXX, my XXXX checkbwas returned, they cleared my XXXX, and again last transaction was ssa deposit of XXXX. Now XXXX they said it legally bounced the night before, but this time ck # XXXX was cleared. It bounced the night before. ON XX/XX/XXXX I CALLED BOA CUSTOMER SERVICE, MY CALLED WAS AUTOMATICALLY FORWARDED TO CHECK FRAUD. MY CHECK I KNEW BOUNCED, AND I WASNT GOUNG TO BE LATE AGAIN. WHEN I INQUIRED ABOUT WHY I WENT STRAIGHT TO CHECK FRAUD, ONCE AGAIN THERE WAS A QUESTION ON THE " FRAUD ISSUE '' AGAIN. THE MAN XXXX, AND I QUOTE, " I HAVE A RESUBMIT HERE XXXX  XXXX, WHAT WOULD YOU LIKE ME TO DO ''? I SAID DO NOT RESUBMIT THAT CHECK I PAID THEM. DO NOT OUT THE CHECK THROUGH!!. THIS WAS A XXXX, ON XXXX, I saw he submitted the check anyway. That caused til this day, payments to bounce on day 1, credited back to me on day 2, resubmitted on day 3. Over and over and over. 47 phone calls to corpirate ( 4 ), check fraud, customer service, online banking, bill pay. E en spoke to supervisors. I had to scramble and pay some, not all BECAUSE I NEED MY XXXX BACK. Because of all this, I'm still in a negative balance, placed a restriction onmy checking for deposits only, and they are still doing it. I only have 2 credit cards. The one just closed my account onme because of all these returned payments. They WERE my lifeline, now they are gone, and BOA Zis annoying me with alerts on my past due credit card payment. I repeatedly got different answers, when I got to the point I was extremely upset I was threatened by lical branch manager to be thrown out of building. I'm behind now, late fees, added interest, and do not have any means in case of an emergency. BOA NEEDS TO PAY ME BACK XXXX, PLUS XXXX LATE FEE, XXXX LATE FEE, My credit limit increased to whete I had it with another company, a letter of apology from XXXX XXXX and XXXX fo. XXXX XXXX XXXX, would live to see XXXX fired. I had to cancel my cardiologist appt, can't pay for my meds, and I don't get paid until XX/XX/XXXX. I spoke with someone named XXXX. He was a lot of help, but If I don't get help soon, I will lose my home. It's much more, and much more comicated. I'm sick from this and my mind is a fog.

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