Consumer complaint received 2022-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022, I purchased a few items through XXXX  totaling {$170.00}. I requested a refund same day with XXXX XXXX and was advised to wait for the items to arrive and ship them back in order for the refund process to begin. On XX/XX/XXXX, the items were received back and processed ; I was advised to allow 2 days to see it post to my Bank of America account. On XX/XX/XXXX, I called back to XXXX  customers service to see if any errors were made with the refund due to the fact I hadn't received it yet, they confirmed refund date of XX/XX/2022 so I waited a little longer. XX/XX/XXXX, I decided to file a claim with Bank of America because the refund was obviously not coming I thought but within 3 hours of claim submission with Bank of America a partial refund from XXXX came through for {$150.00} ; due to the refund not being in full and my bank actively looking into the situation I decided to leave everything as is and let them investigate. On XX/XX/XXXX, I noticed Bank of America both issued and took back a credit adjustment of {$170.00} within minutes of each other but after an hour or so the documentation for the amount of {$170.00} that was taken back by Bank of America was removed leaving only the credited amount listed in my transactions showing credit paid but no funds were actually deposited into my account. I called customer service for Bank of America to let them know what happened but they refused to believe me because no transaction was listed proving the funds were removed, only deposited ; I was made to feel completely insane! On XX/XX/XXXX, Bank of America took {$150.00} from my account, it was labeled as XXXX I thought this was incredibly funny because the amount the took was the same amount XXXX refunded me back on XX/XX/XXXX. At this point, it was clear BANK OF AMERICA WAS STEALING MONEY RIGHT OUT OF MY ACCOUNT! When I called about it, they told me they took it because they credited the account XXXX back on XX/XX/XXXX when the company had already refunded it on XX/XX/XXXX. I told them the credit adjustment was reversed, I have proof of that so the XXXX they claimed to have deposited was never given they just made it look like it was.. I still can't find the transaction listed on my account anywhere showing the adjustment reversal - if I didn't take a screenshot of the reversal transaction I would have absolutely no proof of them stealing funds and lying about it over and over again. They have completely removed the reversal of that transaction from my accountand statement. No notice or email was sent showing that this even took place but it did and like I said I have proof of both transactions for that day being credited and reversed! My account is now overdrawn because they illegally debited my account and the little bit of money I have to survive was stolen in the process. I'm about to lose my job because I can't travel, no food because they snatched my money right out of my hands and now I'm in debt with them because my account is overdrawn by {$70.00} so in total Bank of America has effectively stolen over {$220.00} and what's really needed messed up the money I was refunded back from XXXX my bank stole so I'm actually out of the {$170.00} I spent that day to make the purchase. So it's actually a little over {$400.00} stolen over the course of a month. I'm about to lose my source of income because someone decided they can take whatever they want! I can't continue to feed my family because my hard earned money was taken by my own bank and they're refusing to give it back.

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