Consumer complaint received 2024-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Ive received your letter dated XX/XX/2024, and XXXX greatly disappointed and puzzled by some of your statements. 

My team and I would think the Regulatory Complaints Department would be a little more thorough than Bank of America various associates, etc. But sadly, that is not the case.

You purposely, knowingly, or just plain informed about the original compliant, the original date we brought this issue to BOA attention and lastly the full amount of the original claim. 

So let me take this time once again with another BOA of associate to educate you on the TRUTH of these claims. 

My team and I are extremely detailed. We keep records going back many years, etc. 

Our first mention of the issue with XXXX was XX/XX/2024. I called BOA customer service. I explained XXXX was doing a couple of things that was upsetting to us. The first, they claimed to send us credits back to our BOA account that never appeared on our accounts. The second issue was we paid for services we NEVER received. The third was, they locked us out of the account after we started the claims.

We were told by BOA of America customer service associate did we go to the vendor to rectify this issue. We stated that we did but would go back again. The associate promised to mark the account of our conversation so when we called back in, the next person would be able to help us resolve this issue. 

We sent you many emails between XXXX and our team that should have been the evidence needed. I've also enclosed those documents for your review. 

So, let 's discuss some of the statements in your letter. You stated, " As mentioned in our previous correspondence, the claim was originally filed to dispute XXXX transactions totaling {$55.00} ''. You contacted the bank once more on XX/XX/2024, and several additional transactions were added to the claim bringing the total dispute amount to {$4300.00}. '' The above statement is so untrue its disturbing. It's disturbing, because my team and I story has NOT charged since day XXXX. 

I called on XX/XX/2024, to get an update on the documents I faxed over to BOA on XX/XX/2024. I was shocked and extremely upset when I was told BOA did not have the documents. We then refax the same documents AGAIN on XX/XX/2024. ( Enclosed ) I was told by XXXX of your associates to put claim # XXXX on that fax and it clearly states on the same fax we demanded {$6000.00} not the {$4300.00} you stated. 

We demand to know where this fictitious amount originated from, and we demand to know what Bank of America time frame is to start with filing a claim. Since we clearly made Bank of America aware of this issue in XX/XX/2024, it should have covered every claim starting with XX/XX/2024, for {$500.00}. 

Now the reason why your dates and amounts are so wrong is due to the following fact. Yes, you are correct, we called many times from XX/XX/2024 until you closed the account in XX/XX/2024. Every time we called, we received a different sorry from BOA associates. It got so bad ; it escalated to a higher level. Or at less that is what we were told. We finally had enough with the back and forward with BOA CS agents, we demanded to speak with a Supervisor ONLY! 

It was that Supervisor who admitted to us that the previous associate I had spoken to DROPPED THE BALL! She told me the associate should have filed the first XXXX claims and followed the others to a XXXX. After months of getting the run around from BOA team members, we finally got someone who LISTENED to our issue, our hurt, our pain and took action on the issue. She promised me, she would get the help of another XXXX to get ALL of the claims in the system. 

So please, before you submit a false statement to any Government Agencies, you should speak with the ROOT first. ( Me ). Now, I ALWAYS answer my phone when I see BOA regulatory department calling because we had been waiting on the resolution of this issue. There is absolutely no reason I would not return or answer BOA calls. So, your statement that BOA tried to contact me several days that was unsuccessful is category false. My cell number is XXXX and my send cell is XXXX. I carry them both on me like glue. 

You see, it's this issue that we complained about BOA during this terrible ordeal. We were talking and explaining, and Bank of America was NOT listening. You took actions that we DID NOT know anything about, made up figures that we did not request nor authorized. You just made us a demand figure and ran with it. 

I find that quite disturbing since Bank of America claimed we were a VALUED client. 

And furthermore, you can not do whatever you want and think of its law. XXXX, the BANK decoded to close the account. Demanded that we cancel all transactions etc. But could you allow charges to come through an account you closed? No that is NOT right, and we will not stand for it. 

So, we will refile this complaint with the CFPB and also file it with the Controller of the Office. 

In closing we demand the {$52.00} you decide to process on a closed account and the balance of the {$6000.00}

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