Consumer complaint received 2025-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX I was charged {$230.00} from by XXXX XXXX ( Electric bill ) XXXX times total. Apparently I was not the only customer that had this situation. Bank of America allowed these charges which made my account negative. I first called bank of america to ask if they could remove these charges before they processed, they said " no ''. That my best option was to contact the XXXX XXXX XXXX and ask them to fix. I called XXXX XXXX and they told me that this happened with other customers as well, becuase the paymet were still processing there was nothing they could do on there end. I called XXXX XXXX again and they told me they could not do nothing because payments were still processing. The next day the XXXX transactions went through. I called XXXX XXXX they told me that they could not return my money back... i would have to contact my bank. I contacted my bank again waiting for XXXX hour plus each time to get through to someone. This person told me he would dispute the transactions gave me no reference number no information just that it would be cancelled. Im so frustrated already, my bank was in negative i did not even ask for any information just wanted the transactions to be cancelled. Coulple of minutes after hanging up it came back to me that no reference number or case number was given. I called again waited for another hour. Spoke to someone she told me that I would be charged per transaction disputed, that XXXX XXXX was placed on a " stop '' which i was not aware of, nor did i ask for that. SHe made another case told me she would cancel the previous one i did XXXX hour ago. She stated i will put to return only XXXX transactions to you, not to stop or block XXXX XXXX since its my electric company of course and no charges for the disputes or negative in my account. She gave me a reference number. It took days. On XXXX I received a total of XXXX transactions of {$230.00} from XXXX XXXX , when i had only requested XXXX so this was another issue. My electric company has my account blocked now becuase the bank took the money from them making me now XXXX  months behind. THey are not accepting any payment from me as they are requesting a simple " good standing '' letter from the bank with my full account number and routing number and that i a in good standing with bank of america. Bank of america collected on XXXX the extra transaction that were given to me so that issue was resolved. still my XXXX XXXX is not accepting my payments as bank of america will not provide the letter they are requesting. I have been directly to bank of america twice requesting this letter. THey informed me the director or manager would contact me on XXXX still i have not received a call back. Bank of america provided me iwth a reference letter and some other type of letter that does not have what XXXX XXXX is specifically requesting which is my account number and routing number and that i am in good staninding with the bank. This was due XX/XX/XXXX to avoid my electricity to be cut off, i was able to get an extension from XXXX XXXX. I have been a customer of bank of america since XXXX this is frustrating, im tired, and over it. I just want this letter provided to my electricity company and i would like to close all my accounts with bank of america as i feel when i needed them the most they have abused my trust, they have been unfair. This is unacceptable and I am over this. Today is XX/XX/XXXX I am living hour by hour hoping that my electricity does not get shut off. I have been an excellent customer of XXXX XXXX. THis is just unfair.

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