Consumer complaint received 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX XXXX initiated the Automatic Loan Payment from my banking institution at Bank Of America. My account with BofA on XX/XX/year>XXXX  was - {$17.00} when the auto-pay was sent to BofA in the amount of {$1300.00}. On XX/XX/year>XXXX  ( my official payday ) after receiving my paycheck auto deposited and because BofA rejected the auto-pay request from the day before on XX/XX/year>, my wife logged onto the XXXX XXXX XXXX  APP via her XXXX and initiated a One-Time XXXX XXXX  Payment to satisfy the missed and rejected payment the day before. The XXXX XXXX Payment was initiated on XX/XX/year> with a posted/settled date of XX/XX/year>. On XX/XX/year> I opened my BofA APP to view my checking account and sew that a 2nd payment for {$1300.00} was Automatically debited. I immediately contacted BofA to rectify the situation and have my institution reverse the automatic payment since my wife already paid on the XXXX via the One-time XXXX XXXX  Payment that had settled on XX/XX/year>. I spoke with a customer service agent at BofA and explained the issue and the rep initiated a stop payment and charged me {$30.00} to do so. The Rep stated that the auto-payment would be returned and the settled payment via XXXX XXXX Payment initiated by XXXX XXXX XXXX XXXX XXXX would remain as posted. On XX/XX/scrub>XXXX XXXX XXXXXXXX XXXX received 2 ACH Reversal 's ( debited ) payments each in the amounts of {$1300.00} REQUESTED by BofA ( to reiterate the monies were pulled back by BofA 's actions- not XXXX XXXX ). This now makes me in default with XXXX XXXX and no payment received for the month of XXXX. XX/XX/year>- XXXX XXXX informed me of the issue a couple of weeks into the month. After being notified of this issue I reviewed my account activity history with BofA to be certain that my account activity reported by XXXX XXXX was true or not. When reviewing my statements and online account with BofA not only were transaction dates not matching the account activity that XXXX XXXX reported/provided via an audit but the stop payment requested through BofA does not support the request I made and had paid {$30.00} to do so. I asked BofA to also explain why my ending balance did not reflect what they were reporting on my statement. They couldn't answer that. At this time XXXX XXXX returned two payments to my banking institution BofA. Bank Of America is only showing one payment returned and can't explain why this is the case. Nor have they provided me with an audit of my account after requesting numerous times ( my rights to do so and a requirement based on banking laws that it must be provided - STILL NOTHING HAS BEEN PROVIDED and to spend more than 20 hours ( 4 hours total on one day ) and spoken to numerous customer service agents and supposedly managers at BofA to be hung up on more than 5 different times trying to solve and get to the bottom of this issue. I tried asking BofA why they can't or won't provide me with a forensics accounting audit as it appears my money has been stolen. Given transactions not matching up with what XXXX XXXX 's reported activity, along with BofA completely missing entire dates and transaction amounts. also, BofA can't explain why my ending balance does not reflect the supposed returned amount of that {$1300.00}. How does my ending balance not have a positive increase of {$1300.00} if indeed they properly returned all payments deducted and settled. The attached document is the audit completed by XXXX XXXX XXXX XXXX XXXX XXXX Borrowers : XXXX XXXX and XXXX XXXX ) ALL TRANSACTIONS PROVIDED DO NOT MATCH THE XXXXPAYS deducted/reversed/refunded or otherwise. This is FRAUD and as of this writing STILL NO HELP FROM ANYONE AT BANK OF AMERICA. Bank of Of America has scammed me and I want my money back NOW. I, XXXX XXXX, am the owner of the Bank of America Account.

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