Consumer complaint received 2017-01-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My small business debit card with Bank of America. On XXXX XXXX, XXXX I was shopping and made a purchase of {$180.00}. At the cash register after waiting in a long line, instead of providing my Bank of America Credit Card, I accidentally provided the debit card. They 're very similar, credit card is blue and debit card is light grey, but both contain the bank name in the same place, and the MasterCard logo. The purchase was approved but I did not have enough money in the account. On XXXX XXXX, this purchase and XXXX other much smaller business-related debits were processed. The bank paid all of them ( the XXXX smaller would have been covered had I not made the {$180.00} purchase ) but also charged my account {$35.00} XXXX times. On the XXXX of XXXX XXXX, they charged me another {$35.00} for " extended overdraft ''. On the XXXX of XXXX, I checked my account, found the problem, and deposited more than enough to cover these fines and debits. I was shocked that : # 1 they authorized it, and # 2 they did n't notify me. When I called the nearest branch, they said I must come in for discussion and set a time of XXXX. I immediately received an email confirming the appointment which amazed me they did n't do this for the overdrafts. The two employees I spoke to, XXXX and XXXX checked my account, and said I was only entitled to {$35.00}, the credit for one charge. When I asked why, they said " it depends who you are and what your relationship is with us. '' They further stated that it 's not the policy to check the money in the account before authorizing purchases under a certain limit. ( see website FAQ below ) I said I had thought it would be rejected if the money was n't in the account, XXXX said she warns people but does n't know what other employees say. To me this means it 's not an explicit policy to duly advise a customer. Also, I 've been with the bank over 20 years, and have borrowed and paid back {$50000.00} in business credit, although not since XXXX. 
The Website, under Debit Card FAQ 's is copied today : When you do not have enough available funds in your account to cover everyday non-recurring debit card purchases or ATM withdrawals, we will decline the transaction and you will not be subject to overdraft fees for those declined transactions. If you have enough available funds in your account to cover part of an everyday non-recurring debit card purchase, but not the full amount, some merchants will accept those available funds as partial payment and then allow you to pay the balance of your purchase from another source, or will allow you to reduce your purchase to fall within your available balance, such as by reducing the number of items in your cart. '' To me, this situation is the result of false and misleading information provided to me.

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