Consumer complaint received 2024-04-16 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 use my debit card and I went to unlock my card to use it to get gas and I saw that there's a -balance in my checking account and I have been harmed severely and I am in need of my funds to be returned to my account and I am also going to put a claim into the FDIC for the XXXX that they need to pay me for their failure and negligence and breaching the contract and are causing me damage and the account is to be private and I never received any notification stating that someone that is a third party and I never initiated the transfer, they are in dishonor. This has happened several times and I have proof that they are not operating in honor and in good faith. They have a duty to me and that is to make sure I am not getting scammed and that my accounts are protected and they call me for a XXXX charge that I authorized but they can't call me for a XXXX transfer that is going to wipe me out and no. That is not okay. I know that they have breached fiduciary duty and they are not properly handling my accounts. I have maintenance fees that are to also be refunded. I also need all the deposits to be credited to my account as I am the only one that created any value to the instruments and the deposits which they are trading on and keeping my credits and stealing my money. I demand that they send me a copy of ALL MY deposits and they are to make sure all the deposits that I have made are to be applied to me again. Every single deposit I make into the atm and the bank, they are to credit me 2x the value and I have also notified B of A that they are not to transfer and allow any 3rd party to automatically transfer without my consent. The accounts are covered XXXX per day and I have never gone over that amount. I need all my funds recouped and deposited and credited properly. They owe me a lot of money and I need the funds that they have transferred without my written permission and authorization as they are mine. 
Bank of America and the Franchise tax board are not me and they are trying to get something I do not have as those deposits are my own hard earned labor. When I opened the account at Bank of America, they NEVER told me that I was signing the application wrong, in fact they rushed me through the process and demanded my social security card, not just the number, because they had to verify its me. The SS card DOES not verify identity, so that is a lie and that makes the agreement fraudulent. B of A never told me that when I signed my name I was signing with a blank endorsement and that makes it a blank check and they can access my treasury account and get whatever they need and for their failure and non disclosure, I have again and with the help of CFPB, who works for us consumers and help us get these companies to act in honor and ensure that they do as we say. I am entitled to the insurance and I want the XXXX for each time they charged me a fee, charged me for a account fee, when they should pay it. I need them to release my funds and credit my accounts today because they didn't need 30,15,10,5, or 3 days to steal my funds without proper procedure, so I need this matter resolved immediately. 

XXXX XXXX XXXX, does not have fiduciary over me or my accounts, so they are to release the funds they stole as they are also in breach of contract. They need to release and reconstructed these funds back to me as they have taken over XXXX from me and I have already paid these people, they need to release these funds and refund ALL MY credits back Blank of America needs to update the master internal file that I know what is going on and they are to properly handle my account and I am the Fiduciary and they assumed a role that they failed to disclose to me that they are not a bank, that they are not allowed to loan money because they have no money. They have been placed on notice that I am revoking and and all interest, security interest that they thought they had, they no longer have. 

I need this to be done today!

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