Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
From your Bank of America statements and your XXXX  dispute package, I can clearly document XXXX XXXX XXXX debits ( descriptor XXXX XXXX XXXX XXXX XXXXXXXX ID : XXXX ) from : XXXX XX/XX/XXXX through XXXX XX/XX/XXXX Plus the full list in Exhibit A Unauthorized XXXX  Transactions ( XXXX ) with a cumulative total of {$6400.00}. 

I do not have your older statements from XXXX, so I cant precisely total the XXXX XXXX XXXX withdrawals for that earlier period yet. What I can give you is : A chart of all XXXX debits I can see ( Feb 2023Sep 2025 ). 

A total dollar amount for those debits, by year and overall. 

You can then add any earlier years once you gather those statements. 

2. Totals for XXXX debits ( based on the docs ) I treated each debit as a positive dollar amount taken from your account ( even though it shows as a negative on the statement ). 

XXXX XXXX debits I can see From your XXXX statements I can see these XXXX  ACH debits : XX/XX/XXXX {$80.00} XXXX XX/XX/XXXX {$80.00} XXXX XX/XX/XXXX {$80.00} XXXX ( XXXX ) XX/XX/XXXX {$80.00} XXXX ( XXXX ) XX/XX/XXXX {$80.00} XXXX ( XXXX ) XX/XX/XXXX {$80.00} XXXX ( XXXX ) XX/XX/XXXX {$80.00} XXXX ( XXXX ) Total XXXX ( documented XXXX debits ) : {$560.00} XXXX XXXX debits ( from Exhibit A ) Exhibit A in your dispute package lays out the XXXX debits : XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$380.00} Total XXXX XXXX debits ( per Exhibit A ) : {$2800.00} ( this matches the cumulative total in the exhibit ) XXXX XXXX debits ( per Exhibit A and bank statements ) From Exhibit A and your XXXX statements : XX/XX/XXXX {$380.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$420.00} XX/XX/XXXX {$420.00} XX/XX/XXXX {$420.00} XX/XX/XXXX {$420.00} Total XXXX XXXX debits ( through XX/XX/XXXX ) : {$3600.00} XXXX. Overall total ( for the period I can see ) Adding all documented XXXX debits from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX : XXXX : {$560.00} XXXX : {$2800.00} XXXX ( through XX/XX/XXXX ) : {$3600.00} Total documented XXXX debits ( XX/XX/XXXX XX/XX/XXXX ) : {$7000.00} This {$7000.00} is the minimum amount I can prove right now from your uploads since your policy was already expired. Once you add the missing XXXX statements, the real since-expiration total will be higher. 



Also note : this does not subtract any temporary credits or chargebacks Bank of America issued ( those show as ACH Temporary Credit Adjustment Claim # on some statements ). Those credits matter for your net loss, but for purposes of how much they tried to take, this figure treats each debit as a separate wrongful withdrawal. 

4. Chart of the payments I generated a bar chart of each months XXXX debit from XX/XX/XXXX XX/XX/XXXX. You should see it just above this message. 



How to read it : The xaxis is each month ( XXXX ). 

The yaxis is the dollar amount debited that month. 

You can clearly see : Small {$80.00} withdrawals in XXXX and early XXXX. 

A jump to {$380.00} per month starting XX/XX/XXXX. 

Another jump to {$420.00} per month starting XX/XX/XXXX. 

This visual is very strong evidence for your narrative : After my term policy expired in XXXX, small unauthorized debits quietly continued, and then in XXXX the monthly amount suddenly spiked to nearly {$400.00} {$420.00}, still without any valid policy or consent. 

5. How this ties to since my policy expired ( XXXX ) From your XXXX policy and the Follow up from BOA with XXXX Evidence package, your original XXXX XXXX term policy shows : Issue date : XX/XX/XXXX Expiry date : XX/XX/XXXX The XXXX debits above ( XXXX ) all occur well after that expiry date, with no renewal paperwork, no new policy, and no updated address contact from the insurer, according to what youve told me and whats in the evidence package. 



Because I dont have the XXXX statements, I cant safely put a precise dollar figure on all postexpiry withdrawals. But we can already say : At least {$7000.00} in XXXX withdrawals hit your account after the XX/XX/XXXX policy expiration, based on the statements and Exhibit A youve provided. 

Once you dig up older statements ( XXXX ), we can add those to this same table and chart to give you a full since expiry total, including the original {$80.00} XXXX debits that appear to have continued long after the term ended. 

If you want, next step I can : Build a formatted table ( XXXX or XXXX ) you can attach to your CFPB and DC AG complaints showing every date, description, and amount ; and Add a second chart that shows cumulative total over time, which is powerful for showing how the harm snowballed.

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