Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America allowed {$33000.00} to be debited from my checking account ending XXXX and sent to XXXX XXXX XXXX / XXXX XXXX XXXXXXXX XXXX XXXXXXXX. without giving me written notice, claim documentation, a case number, or any meaningful opportunity to authorize, question, or contest the debit. The disputed transaction posted on XX/XX/XXXX, in the amount of {$33000.00}. It appears on my Bank of America statement as : CLAIMS PROCESSING TRANSACTION XXXX XXXX XXXX XXXX. Bank of America representatives indicated this was related to an XXXX XXXX XXXX ACH recovery claim. Beginning on or about XX/XX/XXXX, the same originator also placed a {$100000.00} hold against this same account, which later disappeared or was released. I did not authorize this {$33000.00} transfer. I do not owe XXXX XXXX XXXX or XXXX XXXX XXXX Bank this money. The funds in my Bank of America account are my own funds. My XXXX XXXX XXXX XXXX XXXX account ending XXXX held my own money and never went negative. The account statements show a positive ending balance, not an overdraft, advance, loan, or debt that could justify this debit. A standing link between my own accounts does not authorize XXXX XXXX XXXX to seize funds from my Bank of America account for a debt that does not exist. My complaint against Bank of America is about Bank of Americas conduct as my depository institution : 1. Bank of America paid {$33000.00} out of my checking account through an ACH claim without giving me advance written notice or an opportunity to authorize, question, or stop the debit. 2. Bank of America has not provided me with a written explanation, the claim documents, the originators authorization, ACH trace numbers, return or reversal codes, or any written process explaining why it paid this claim. 3. I discovered the money was gone only by checking my account. Bank of America has handled this as a black-box bank-to-bank process instead of treating it as a disputed unauthorized electronic transfer. I am disputing this transaction as an unauthorized electronic fund transfer and/or banking error. I am requesting that Bank of America investigate it under the Electronic Fund Transfer Act and Regulation E, including XXXX C.F.R. XXXX. I want Bank of America to : 1. Investigate the XX/XX/XXXX {$33000.00} debit as an unauthorized transfer and banking error ; 2. Return the {$33000.00} to my checking account, including provisional credit if the investigation is not completed within 10 business days ; 3. Place a block preventing any further debit, hold, or ACH recovery claim by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX against this account for this same matter ; 4. Provide written investigation results ; 5. Provide copies of all documents Bank of America relied on to pay this claim, including the originators authorization, ACH trace numbers, return or reversal codes, claim documentation, and any communications from XXXX XXXX XXXX or XXXX XXXX XXXX XXXX ; 6. Provide a claim or case number and the name and direct contact information of the representative handling this matter. I uploaded my XXXX XXXX XXXX account statements from XX/XX/XXXX through XX/XX/XXXX. These statements show that my XXXX account held my own funds, remained positive, and never showed an overdraft, loan, advance, negative balance, or debt owed to XXXX / XXXX XXXX XXXX XXXX. These documents support my position that there was no valid debt basis for XXXX XXXX XXXX XXXX to recover {$33000.00} from my Bank of America checking 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 explanation