Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XX/XX/year> Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Demand for Refund and Damages Due to Unauthorized Transactions and Regulatory Violations Dear XXXX : I am writing to formally demand immediate resolution and reimbursement for a series of erroneous and unauthorized transactions processed by Bank of America ( BOA, ) which have caused me direct financial harm and constitute violations of federal and state consumer protection laws. 
On or about XX/XX/year>, a transaction from my account was duplicated in error. 
Although the duplicated amount had previously been reversed, on XX/XX/year>, the same amount was withdrawn a third time without authorization, on XX/XX/year>. I personally visited the BOA branch on XXXX XXXX XXXX, on XX/XX/year>, at which time you personally acknowledged the mistake made by a BOA. We both confirmed that the XXXX XXXX XXXX XXXX had previously faxed a lien order, on XX/XX/year>. I paid the lien balance, in full, on XX/XX/year>. On XX/XX/year>, I had also notified both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, via a faxed statement and receipt, that my personal property tax balance had been paid in full. On XX/XX/year>, XXXX XXXX XXXX XXXX faxed proof of this payment to BOA, who subsequently reversed the charge on my account, in the amount of {$640.00}. It was later discovered by both you and BOAs Legal Team, that an identical copy of the lien order had also been received via XXXX and mistakenly misinterpreted as a secondary lien. On XX/XX/year>, I returned to BOAs XXXX XXXX XXXX branch, to speak with you and follow up on the status of my reimbursement. 
Upon acknowledgement of this error, you credited my account, in the amount of {$640.00}, on XX/XX/year>. To my surprise, your institution withdrew $ XXXX my account, for a third time, XX/XX/year>. I immediately contacted your branch office, on the morning of XX/XX/year>, and spoke with the covering XXXX, who made no attempt to resolve this matter. I also contacted BOAs Customer Service Department, via phone that evening, and after over an hour of dispute, the representative acknowledged the withdrawal error ; however, I was denied reimbursement of the funds that were deducted from my account, without my consent, on XX/XX/year>. These negligent acts placed my family under extreme financial hardship, leaving me without the ability to pay bills timely, afford gas for my vehicles and purchase groceries for myself and my XXXX children. 
These actions are not only unacceptable but also violate provisions of the Electronic Fund Transfer Act ( EFTA ), 15 U.S. Code 1693, which prohibits unauthorized electronic fund transfers and mandates prompt investigation and resolution of transaction disputes. Additionally, your failure to maintain proper transaction handling constitutes negligence, conversion, and a breach of contract under Virginia state law. 

As a result of these actions, I am seeking the following : XXXX. Refund of all wrongfully withdrawn funds, totaling {$640.00}. 
XXXX. Statutory damages under the EFTA ( 15 U.S. Code 1693m ), in the amount of {$1000.00}, for this negligent violation and the willful and repeated mishandling of my account. 
XXXX. Actual damages, including any overdraft fees, bounced payments, or credit impacts, estimated at a minimum of {$500.00}. 
XXXX. Reimbursement of legal fees, as permitted under consumer protection laws. 

You are hereby given XXXX calendar days from the date of this letter to fully resolve this matter by issuing the full refund and providing written assurance that no further unauthorized withdrawals will occur. Failure to resolve this matter within the stated timeframe will leave me no choice but to initiate legal action in civil court, including but not limited to, claims under the EFTA, breach of contract, and applicable state consumer protection statutes. 
This letter serves as a final good faith attempt to resolve this matter prior to litigation.

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