Consumer complaint received 2019-12-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My checking account with Bank of America was excessively charged overdraft fees and Return Item fees, which prevented me from paying my bills and meet my financial commitments on a timely basis ; which also resulted in the accumulation of fees to other financial institutions, such as return item fees and late payment fees. The reason as I see it are the decisions that Bank of America made in regard to debit card disputes and fraudulent activities. I would like also to state that In the months of XXXX, XXXX, and XXXX I was moving from an apartment to another, which prohibited me from managing my account accurately and accessing it was not available all the time. In addition, from XX/XX/XXXX, to XX/XX/XXXX, I joined the XXXX and atteneded a four-month training, and accessing/managing my account was impossible since I did not have any kind of communication whether it was online, by phone, or in person. I talked on several occasions to service agents on the phone and in-person to refund the fees and explained my situation but my request was denied in every attempt. I will list the number of fees including dates, amounts below : The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$12.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} Total = {$180.00} The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} Total = {$350.00} The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} Total = {$210.00} The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} Total = {$35.00} The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} Total = {$380.00} The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} Total = {$240.00} The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} Total = {$100.00} The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} Total = {$70.00} The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} Total = {$210.00} The month of XX/XX/XXXX - XX/XX/XXXX : XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$35.00} Total = XXXX