Consumer complaint received 2015-12-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

After moving to Florida on XXXX/XXXX/XXXX for new employment with XXXX XXXX XXXX, I opened up a new checking and savings account with Bank of America on XXXX/XXXX/XXXX to secure my future deposits. The initial deposit of {$3600.00} which was a combination of my salaried payout and my relocation signing bonus were deposited into my account. I from their made several miscellaneous purchases i.e. bills, presents for my wife and children, and etc. However, the point at why I am writing you all started on XXXX/XXXX/XXXX. I made a payment directly to XXXX on their online website for {$450.00} for a XXXX payment due date. Note : Yes, I at this time was behind in payments, yet the {$450.00} would most definitely start me off to paying the XXXX and XXXX payment sooner and on time in the month of XXXX. I am paid every two weeks and a bonus every last day of each month..so I personally would have paid the next XXXX payments on XXXX/XXXX/XXXX, on XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. These dates would 've ensured my account current at any rate going into XXXX. ) I foolishly thought my bank 's Bill Pay Service was an autonomous and secure way of making sure I could stay abreast on my bills, so I resulted in scheduling through their Bank of America Mobile Bank App a bill payment for {$410.00} ( the normally arranged payment for XXXX ) on XXXX/XXXX/XXXX. This was the only payment arrangement I pre-set and only set as a recurring payment for the XXXX of each month. Monday morning XXXX XXXX/XXXX/XXXX in a retail location I attempted to swipe my card for {$50.00} and was declined several times. I right then checked my account on my app and witnessed my account in the negative for the amount of {$1200.00} ; which is a total of {$450.00}, {$410.00}, & XXXX. This resulted in a immediate call to Bank of America hours later that morning, while the XXXX {$410.00} payments were still processing I called to inform Bank of America 's Bill Payment Department that these were done in error and not scheduled by me, and since they are pending, to stop payment on these ACH 's. I recall very clearly that they seconded that suggestion of stop payments and that they did in fact notice that was n't my original payment schedule and hence figured it was wrong due to the 4 days earlier payment of {$450.00}. To bring this to head ... it has been 3 1/2 weeks later and I have not been refunded because Bank of America has totally disregarded me as individual who job is at jeopardy because they 've misused my relocation money, put me in default with my XXXX relationship because instead of returning the {$830.00} ( XXXX ) {$410.00} 's they 've returned and not paid the {$450.00} I submitted from the beginning, I have had my car insurance cancel from XXXX because I have not had the funds to cover, the over drafted account had cut my recent pay in half, ate up a {$120.00} refund, {$180.00} transfer from my outside account, and numerous fees and emotional distress. As a direct result, I am sending this message inside my car, of which I have been staying in if my family has not been able to assist buying me cheap hotel stays. Living in my car as a XXXX is not only warranted as improper, but inhumane due to being bamboozled by deceptive practices. I need resolution and compensation equally for this unprofessional company and their continuous mistakes and ill mannered attitude for not genuinely aiding their customer. It would behoove me not to mention that I have written the Office of the President at Bank of America and since this elongated time have heard nothing. 
My name is XXXX XXXX XXXX I can be reached at ( XXXX ) XXXX ( XXXX ) XXXX XXXXXXXXXXXX