Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I went to the gas station to get gas for my car. I put my card in the machine to pay for the gas and when I pulled it out it said insufficient funds and declined my card, I did it a second time because I was sure the machine was broke or something and it did the same thing a second time. I got back in my car and went to check my Bank of America mobile app to see what was going on. When I logged into the app my account balance was at {$0.00} and I seen there was a debit hold on my card for the amount of {$770.00} that was all the money I had in the account. I immediately called Bank of America they took about an hour of my time just waiting for them to answer so I thought Id call in the morning to get faster service. When I woke up the next morning ( XX/XX/year> ) I checked my account and all the money was gone and the transaction title now said XX/XX/XXXX. XXXX XXXX XXXX, XXXX XXXX in the amount of {$770.00}. I then called Bank of America they said this charge had nothing to do with them and they gave me a number to call who could help figure out was this unknown charge was on my account. The number they gave me was XXXX, I called the number and found out I was now contacting the income tax franchise, once I got put with an associate named XXXX # XXXX I told him what was happening, he checked my account with them and said there was no holds, no money owed, no cases, no nothing. After XXXX seen there was nothing there he transferred me to the department of court ordered debt where I then talked to XXXX she looked in the system and found nothing under my name also. So then XXXX further investigated for me since nothing was found and she decided to call Bank of America, after she contacted Bank of America she called me back and let me know that they told her because she wasnt an attorney there was no information that they could give her on my behalf she then told me to call Bank of America back to try to get a case number if there was one to get. I then called Bank of America and dialed the fraud department where I spoke to XXXX, she then gave me a case number and told me to call the franchisee tax board back because Bank of America again said this had nothing to do with them and everything would be able to be resolved with the same number they provided me with from the first phone call with bank or America. I then called the franchise tax board back and spoke with XXXX ( team # XXXX ) with the case number bofA provided and they told me there was nothing filed with the franchise tax board pertaining to the case number Bank of America gave to me. XXXX did some further investigating and wasnt able to pull anything up with that case number in any of there systems so he told me my last option was to call the irs to see if anything was filed with them. I then attempted to call the IRS to no avail, after they kept hanging up on me I simply made an account and seen there was nothing pending with the irs also, no debts, no charges, nothing. One of the photos will submit is proof of a conversation I had with my hr at my job seeing whether or not I had any garnishments attached to my name and they said there were none.

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