Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am extremely frustrated with this bank for misappropriating my funds and the unprofessional behavior of their INCOMPETENT representatives. Today, I placed an online order with XXXX 's XXXX for {$41.00}, and Bank of America is unable to properly display transactions with the merchant 's name, which constitutes a violation. The screenshot clearly indicates that the transaction dated XX/XX/year> is missing the merchant 's name. When I called at XXXX XXXX, the automated message stated that they were busy, and I requested a callback from their customer service. The representative I spoke with was discourteous. When I inquired about the absence of the merchant 's name, SHE CONTINUED TO INTERRUPT ME and refused to allow me to speak- she responded that she did not know why the merchants name was missing. I called XXXX XXXX as they stated that they did not received an order or payment so how do I validate proof this was XXXX XXXX and report fraud? What kind of bank operates this way? The ongoing lawsuit serves as evidence of their criminal activities and fraudulent practices and BOA opened me up to it and a fraud transaction. They are unlawfully processing transactions and withdrawing funds from my account without providing the merchant 's name, presumably to benefit from the ongoing class action lawsuit involving {$540.00} XXXX, in which I am a victim. 
This situation is reportable, as they are obligated to disclose the merchant 's name, which only facilitates fraud and scams to customers. Their unwillingness to conduct basic research to prevent the theft of customer funds is appalling. During our conversation, the representative repeatedly interrupted me, demonstrating a lack of understanding, and I am well aware of how to perform her job. She mentioned that my screen displayed numerous " XXXX 's '' and claimed she could not identify the source. What expertise does she possess? Is it truly acceptable for Bank of America to hire unqualified individuals and neglect to train them? I demand an immediate refund of my {$50.00}, and given that the lack of clarity regarding this transaction is a violation, I expect a reimbursement of triple the amount, totaling {$150.00}. Additionally, they owe me {$45.00} in fees from last month, which they have refused to refund. I submitted a request, but Bank of America " failed to inform me about the debited transfer fees '' deducted from my accountfive fees in totaldespite my alerts being set. I was charged fees of {$30.00}, {$30.00}, and others without receiving any notifications via text, mail, or email. Do I not have the right to be informed about these deductions from my account? 
I received 3 email notifications stating, " {$30.00} wire failed to send on XX/XX/XXXX at XXXX XXXX. '' The message indicated that the wire transfer did not go through, leading me to believe that no transaction occurred. However, it appears that the transactions were resubmitted and subsequently approved later in the day. I am perplexed by Bank of America 's actions, especially since I was later charged a {$30.00} fee for transferring {$30.00} without any prior indication of this fee in the app. It seems illogical to transfer {$30.00} only to incur a {$30.00} charge. MAKE IT MAKE SENSE. 

I visited the Bank of America branch located at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX, and spoke with XXXX XXXX, the assistant manager  re this matter. She informed me that she would be going on vacation the following day and could not assist me in a reimbursement further assistance. I also attempted to contact the branch manager, XXXX XXXX, leaving two messages regarding this issue, but she has not responded. I find XXXX XXXX to be an inadequate manager, and it appears she may show favoritism towards XXXX customers. It is concerning that these two individuals seem unqualified for their positions, seemingly hired solely for their bilingual abilities. 
They have declined to refund the fraudulent charges applied to my account and have not disclosed that I incurred additional fees for a transfer that failed to process. Furthermore, the manager has not addressed my concerns. Is it necessary to be XXXX in order to receive assistance and recover my rightful funds? Previously, I experienced an unauthorized transaction from XXXX, which Bank of America refuses to acknowledge, stating that it would take three weeks to resolve, despite my indication that it will overdraw my account. While Bank of America delayed addressing this issue, a transaction of {$3.00} was processed, resulting in a {$10.00} overdraft fee. This bank appears to engage in unethical practices, and in their efforts to recover {$250000.00} XXXX from class action lawsuits to improve their standing, they must be held accountable for the scams and violations they have committed.

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