Consumer complaint received 2025-09-25 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: DC

Complaint narrative:
Consumer Complaint Regarding Unauthorized Bank Debits by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Bank Account Impacted : Bank of America Account ending in XXXX Summary of Complaint Beginning on XX/XX/XXXX, unauthorized debits from my Bank of America account began appearing from an entity identified as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX 

The initial unauthorized charges were {$80.00} per month ( XX/XX/XXXX, and XX/XX/XXXX ). On XX/XX/XXXX, the debits increased significantly to {$380.00} per month. Subsequent charges continued, and by later in XXXX, the amount had increased to {$420.00} per month. 

To date, the cumulative unauthorized withdrawals are at least {$6400.00} beginning XX/XX/XXXX, though it is possible these debits extend further back in time. 

Actions Taken Contact with XXXX XXXX : I contacted XXXX XXXX directly months ago to request an explanation. They refused to disclose the purpose of the charges, stated they would send me written correspondence, and then failed to do so. They continue to debit my account without authorization or explanation. 

Bank of America Dispute : I reported the issue to Bank of America, who placed a stop payment on the charges. However, Bank of Americas dispute claim ( Claim ID : XXXX, opened XX/XX/XXXX ) was filed for only {$4700.00} rather than the full amount. This miscalculation is materially incorrectthe disputed total should be no less than {$6400.00}, and potentially more if earlier records confirm additional charges. 

Lack of Authorization : At no point have I signed, authorized, or consented to any agreement, policy, or service with XXXX XXXX or any affiliated entity. I have no relationship with them and no reason to incur charges from them. 

Concerns Fraudulent Activity : These recurring charges constitute unauthorized withdrawals and may indicate fraudulent practices.

Bank Oversight : Bank of America failed to identify and stop these reoccurring debits in a timely manner, despite their obvious pattern. 

Industry Pattern : After consulting with licensed insurance brokers, I was informed that similar unauthorized withdrawals have been reported by other consumers involving XXXX XXXX, suggesting a broader pattern of misconduct. 

Requested Resolution I respectfully request that the Consumer Financial Protection Bureau : Require XXXX XXXX to provide full documentation of any alleged authorization and cease all debits immediately.

Compel Bank of America to correct their dispute filing to reflect the full disputed amount ( at least {$6400.00} since XX/XX/XXXX, with investigation into earlier activity ). 

Investigate XXXX XXXX practices, given reports of similar issues affecting other consumers. 

Secure a full refund of all unauthorized charges, plus any applicable interest or penalties. 

Supporting Documentation Available : Bank of America account statements ( showing all debits in question ). 

Correspondence sent to XXXX XXXX. 

Bank of America dispute claim documentation. 

Certification : I affirm that the information provided in this complaint is true and accurate to the best of my knowledge. 

Signed, XXXX XXXX XXXX XXXX : XX/XX/XXXX

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