Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX and Bank of America for their mishandling of a disputed charge that has caused me significant financial and emotional harm. Despite my persistent efforts to resolve the matter in good faith, I have been met with negligence, broken promises, and undue financial and personal loss. 

XXXX : - XX/XX/XXXX and XXXX, XXXX, I contacted XXXX to address an issue with a double payment hold that prevented me from renewing my weekly car rental. I explained the urgency and requested they remove the hold. 

- XX/XX/year>, at XXXX XXXX., XXXX towed the rental vehicle, despite assuring me over the phone that I could renew the rental in person at the pickup location during business hours. I specifically requested that they note this agreement on my account. XXXX confirmed they had done so. 

Following the tow, XXXX charged me an overdue administrative fee, which caused my Bank of America account to overdraft. I was never provided with a final receipt and was initially unaware of the full charge. 

- XX/XX/year>, I disputed a {$410.00} charge with Bank of America. Upon reviewing the claim documentation on XX/XX/XXXX, I discovered the charge was actually {$530.00}, adding to the financial and emotional distress caused by XXXX 's lack of transparency. 

- XX/XX/year>, I sent Bank of America my correspondence with XXXX, which included detailed emails showing my intent to pay, my calls to XXXX, and their assurances that notes were added to my account to prevent towing. Despite this evidence, Bank of America denied my dispute again. 

Additional Impact : When the vehicle was towed, my personal belongings were still inside, including my XXXX XXXX, which was never recovered. XXXX directed me to the tow recovery company, where I was required to sign a document stating that all belongings were accounted for before inspecting them. This misleading policy resulted in my loss being ignored. While some of the other items left in the car were replaceable, the XXXX XXXX was a significant personal and financial loss, adding to the overall harm caused by XXXX actions. 

Attempts to Resolve : I made repeated calls and emails to XXXX XXXX XXXX Department ( emails sent on XX/XX/XXXX and XX/XX/XXXX ), explaining my intent to pay and requesting they prevent the towing. Despite my proactive efforts, XXXX ignored their promises and escalated the issue. 

I also disputed the charges with Bank of America, but my claim and appeal were both denied. Instead of addressing the unfair treatment by XXXX, the bank focused solely on the transaction 's technicality, failing to advocate for me as their customer. 

Impact : This situation has left my Bank of America account in a negative status, severely damaging my financial reputation. I am unable to use the account for essential payments and am now facing undue stress and hardship. Additionally, the towing of the vehicle disrupted my ability to work through XXXX XXXX program, further compounding my financial difficulties.

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