Consumer complaint received 2023-10-23 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: AZ

Complaint narrative:
BANK OF AMERICA XXXX, ARIZONA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CLAIM FOR THE FOLLOWING FACTS : XXXX ON XX/XX/2023, A MOVEMENT APPEARED IN MY SAVINGS ACCOUNT NO. XXXX FOR THE AMOUNT OF {$2000.00} DLLS ( XXXX XXXX XXXX ), A MOVEMENT THAT I DID NOT AUTHORIZE, NOR DID I MAKE, SINCE I WAS UNABLE TO MAKE THOSE MOVEMENTS BECAUSE THAT DAY I WAS WORKING. 

XXXX AS OF XX/XX/2023, I HAD A BALANCE OF {$2300.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, THE AMOUNT OF {$2000.00} DLLS ( XXXX XXXX DOLLARS ) WAS DEPOSITED FROM MY SAVINGS ACCOUNT XXXX TO MY CHECKING ACCOUNT NO. XXXX. 

XXXX ON XX/XX/2023, THEY MADE A CHARGE OF {$6500.00} DLLS ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DID NOT AUTHORIZE, A MOVEMENT THAT I DID NOT MAKE. 

XXXX THIS AMOUNT OF {$6500.00} DLLS ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) WAS CHARGED WITH AN INSUFFICIENT BALANCE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2200.00} DLLS ( XXXX XXXX XXXX XXXX DOLLARS ) XXXX EVEN IF I SUBMITTED A COMPLAINT ON XX/XX/2023, CASE CLAIM XXXX AND WARNED THAT I WAS BEING THE SUBJECT OF FRAUD, THEY CONTINUED TO MAKE MOVEMENTS IN MY ACCOUNTS ON XX/XX/2023, PRESENT ANOTHER CLAIM NUMBER : XXXX. 

XXXX ON XX/XX/2023, IT APPEARS ON MY STATEMENT OF ACCOUNT THAT BANK OF AMERICA XXXX XXXX AMOUNT OF {$6500.00} ( XXXX XXXX XXXX XXXX AND XXXX DOLLARS ) TO MY CHECKING ACCOUNT NO. XXXX. THIS MONEY RETURN WAS ON XX/XX/2023. 

XXXX ON XX/XX/2023, BANK OF AMERICA RETURNED TO MY ACCOUNT THE AMOUNT OF {$2200.00} DLLS ( XXXX XXXX XXXX XXXX DOLLARS ). 
XXXX ON XX/XX/2023, XXXX XXXX, COMPANY WHERE I WORK, MAKES A DEPOSIT IN THE AMOUNT OF {$200.00} DLLS ( XXXX XXXX DOLLARS ). 

XXXX EVEN THOUGH I FILED A COMPLAINT AGAINST THOSE CHARGES FROM XXXX XXXX XXXX XXXX XXXX XX/XX/2023, BANK OF AMERICA PAID THE AMOUNT OF {$6500.00} DLLS ( XXXX XXXX XXXX XXXX AND XXXX DOLLARS ) MOVEMENTS IN MY ACCOUNT THAT I DID NOT AUTHORIZE. 

XXXX ON XX/XX/2023, THEY CHARGED IN FAVOR OF XXXX XXXX XXXX XXXX XXXX  XXXXHE AMOUNT OF {$2200.00} DLLS ( XXXX XXXX XXXX XXXX DOLLARS ) WITHOUT HAVING SUFFICIENT FUNDS FOR TRANSFERS THAT I DO NOT AUTHORIZE BY ANY WAY OR ELECTRONIC DEVICE. 

XXXX ON XX/XX/2023, BANK OF AMERICA RETURNED THE AMOUNT OF {$2200.00} DLLS ( XXXX XXXX XXXX XXXX DOLLARS ) TO MY ACCOUNT NO. XXXX. 
XXXX ON XX/XX/2023, BANK OF AMERICA AGAIN CHARGES THE AMOUNT OF {$2200.00} DLLS ( XXXX MI XXXX XXXX DOLLARS, A MOVEMENT THAT I DID NOT AUTHORIZE, RECOGNIZE, OR MAKE. 

XXXX I PRESENTED A COMPLAINT TO THE BANK, AND THEY DID NOT TAKE THE NECESSARY PRECAUTIONS. 

XXXX MANY OF THESE MOVEMENTS THAT WERE DONE ACCORDING TO MY COMPUTER OR MY PHONE, I COULD NOT PERFORM THEM. SINCE AT THAT MOMENT I WAS AT MY JOB, I DID NOT HAVE ACCESS TO DEVICES AT THAT MOMENT TO BE ABLE TO PERFORM THOSE MOVEMENTS. 

XXXX MY RECORD HAS BEEN AFFECTED BY YOUR MOVEMENTS, SINCE I AM IN THE PROCESS OF ACQUIRING CREDIT FROM A CREDIT INSTITUTION. 

XXXX IT HAS AFFECTED ME EMOTIONALLY. SO, I REQUIRE YOU TO UNDERSTAND THAT I AM NOT USED TO MAKING MISUSE OF MY CREDITS. I USUALLY BE CAREFUL. 

XXXX I STATE THAT I DO NOT HAVE XXXX  BRAND DEVICES NOR DO I HAVE ANY RELATIONSHIP WITH XXXX XXXX XXXX XXXX XXXX XXXX 

BECAUSE OF THE ABOVE NARRATED AND EXPOSED, I REQUEST THE FOLLOWING : XXXX A DEPTH INVESTIGATION IS CARRIED OUT OF WHO IS THE BENEFICIARY OF XXXXXXXX XXXX XXXX XXXX XXXX XXXX. TO WHICH THOSE AMOUNTS WERE DEPOSITED. 

XXXX. CONDUCT A SEARCH OF MY RECORD AND BEHAVIOR REGARDING MY FINANCES AND ACQUISITION OF CREDITS. CHECK MY RECORD. YOU CAN VERIFY THAT IT IS MY CUSTOM TO MAKE THOSE MONEY MOVEMENTS. 

XXXX. RETURN THE AMOUNT OF. 
{$2500.00} DLLS ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) TO MY SAVINGS ACCOUNT AND/OR CHECKING ACCOUNT NO. XXXX XXXX XXXX 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 explanation