Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am writing to formally dispute recent overdraft charges and to request detailed transaction records, including exact timestamps, for transfers and purchases made on my accounts with Bank of America. 
As a regular practice, I transfer funds from my savings account to my checking account immediately prior before making any purchase. This ensures that my checking account always contains sufficient funds to cover all transactions. 
On XX/XX/year>, I transferred an amount slightly greater than the anticipated cost of a restaurant purchase of XXXXapproximately {$20.00} above the required total. Although the transaction was shown as processing, my checking account balance decreased almost immediately after I tapped my card. Shortly thereafter, I received an automated email from Bank of America stating that my card had been used online, by phone, by mail, or at a location where a merchant keyed in your card number. 
On XX/XX/year>, I made several additional purchases. Prior to these transactions, I again transferred sufficient fundsslightly above the total amount to be spentfrom my savings account to my checking account to ensure coverage of all charges. 
Despite these timely transfers, Bank of America subsequently reduced my checking account balance to a negative balance exceeding {$300.00}, even though the transferred funds should have covered all posted transactions. I am not enrolled in any overdraft protection service, and I have been informed that my account is not eligible for such coverage. Therefore, any overdraft or related fees assessed against my account are improper and must be reversed. 
I have requested access to the exact timestamps of my transfers and transactions to verify the timing and sequence of these events. These records are necessary to demonstrate that the transferred funds were available prior to each purchase. Bank of America has thus far refused to provide this information, which I believe is essential evidence in resolving this dispute. 
I contend that Bank of America has acted improperly by allowing transactions to overdraw my account despite sufficient funds being transferred in advance, and by subsequently imposing unauthorized overdraft charges. 
Accordingly, I request that : Bank of America provide complete, timestamped records of all relevant transactions and internal account adjustments for the period in question ; and All improper overdraft charges and related fees be reversed and refunded promptly. 
To verify that the transfers occurred before the corresponding purchases, I requested complete, timestamped transaction records from Bank of America. However, despite numerous attempts, I have been denied access to this information at every level of inquiry. 
During a phone call to Bank of America, XXXX representative briefly read certain timestamps aloud but then refused to release or provide copies of the records. 
The following day, I visited a Bank of America branch in person, where I was again denied access to the requested records. 
Acting on the branch employees advice, I contacted the customer service department again by phone, but that representative was unable to fulfill the request and subsequently transferred me to a supervisor, who also denied access to the records. 
I then submitted a written complaint via email to Bank of America. In response, I received XXXX follow-up calls and an email, all of which reiterated the banks refusal to provide the itemized records and timestamp history I requested. 
I have made every good-faith effort to obtain these records through proper channels, yet Bank of America continues to withhold information that is material to my account dispute and necessary to prove that sufficient funds were available prior to each transaction.

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 explanation