Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Rare occurrences happen, but, sometimes we rarely notice an occurrence. This is how many companies get away with predatory business and financial practices. This year and very recently, XX/XX/XXXX I paid my rent through my bank, Bank of America. This was a Thursday, and businesses closed fairly early to prepare for the longer weekend starting Friday morning for XX/XX/XXXX. The issue begins on the Saturday, when many Americans understandably were trying to manage funds over the longer than usual weekend. I noticed that my rent portion of XXXX processed and was successfully taken from my account that day. I had other money I had not deposited still, and I only loosely monitored the account until Monday, because the only thing i had worries about was making sure rent posted. Come Monday I checked again and noticed a very odd operationally predatory occurrence. All transactions made over the weekend were tallied and all were posted together on Monday. Bank of America decided they would use my XXXX to pay for all of my items processes initiated a full day after the XXXX. They used the money I witnessed go through on the Saturday to pay for other items that posted after then when it XXXX down my account sent it back a a bounce, then charged me XXXX through the lendee ( my apartment management ). Because in all apartment agreements, you will be the fee supposedly charged by the bank. When I check my bank statements, it completely hides that the money went through on the Saturday, in fact, it completely ignores it ever happened and instead in the viewable order of operations it placed my rent after all of my transactions that came after. Blatantly last so to create the illusion and ability to verbally state, were so sorry it seems your property just couldnt get the payment through fast enough. Which is bold face lie. Because everything posted same time of course as the branches opened. Regardless part XXXX of my complaint is that this must be happening to XXXX thousands of people all over the country, designed to force an extra XXXX per person not including instances of over draft double dipping etc. this has got to stop. This caused an entire situation with my property manager and company where my online payments account is now frozen Part 2 of my complaint is what happens next which includes the apartment management and Bank of America. After being charged a fee by my bank through the property management that I had to pay, I spoke with an employee of Bank of America over the phone agent who guaranteed me because of my long time with the company they would work to credit back my account because it was unfair. She had me to agree with multiple prompts under the impression that it was for. Bank of America to review and decide whether they agree. Instead, it turns out that it was for a certain level of an unauthorized charge process, which pretty much guarantees that I will be taking money back from my property which caused a new issue. I was not ready for. The NSF that this caused in the proper system shows them the money bounced after they took the money back as insufficient funds. This is incorrect and I spoke to probably over XXXX agents with Bank of America that were able to confirm this my issue is that not only were they able to confirm that they also were able to confirm that the employee that did the process with me over the phone did the wrong process and gave me the wrong guarantees but that no one was willing to say this in an email or in writing or in any sort of personal form that I could use that would have Bank of America on my side or even Bank of America just being able to witness that I spoke with an agent or anybody that could confirm. They used legal language in such a way that it was clear they would verbally admit it, but they would not put it in writing. I spoke to supervisors supervisors of supervisors of supervisors, and they ran me in circles and told me to go to a physical branch to get a Freeform letter Upon going to a physical branch. I was told they do not exist and to go to an online agent, I spoke to an employee to customer service name XXXX, who just argue with me, provided no help whatsoever, which is really starting to highlight an issue that were having in the workforce Where people find a place where they can have a good paycheck, but they are not actually willing to help or do anything. The reason I needed written verification or even an email confirmation of what was already being confirmed over the phone is because my property XXXX of XXXX XXXX properties XXXX, requested somebody from Bank of America email her or she would leave my account frozen. I talked to people in Bank of America positions of power, I was made aware that my property manager was asking for something that they would not give me and I spent at least XXXX days, and around XXXX hours during each of all three days trying to speak with somebody to get it resolved and nearly 75 % of all employees either omitted information me, rerouted me, argued with me, or cast down blame. It was egregiously obvious that customer service employees when you do tell them to get a supervisor take a brief moment in between connecting you to manipulate the situation and make sure their supervisor covers them rather than really looking for solutions by time we get connected. Its the same every time, the supervisor gets on the phone and says theyve been filled in on the situation and as you ask them, you can tell they have not. Theyve been filled in on what their employee wanted them to know and what actions the employee did and for better terms did not do and are looking for their Supervisor to tell you the same. 

This all starts with a predator coded design to siphon extra hefty fees out of the average American citizens. Most will never realize, and assume its just how things posted or its their fault, but I happened to check, the system is even designed so the physical proof is formatted in their favor by time operations resume after weekend like I discovered on the Monday. I would have needed to screen shot the situation over the weekend but now I am aware and will be leaving Bank of America. If this happens again I will catch it but it will be with another bank. 11 years customer down the drain, but this can not keep happening. XXXX dollar business abusing average citizens living pay check to pay, please help

Company response to consumer: Closed with explanation