Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX 2025 Claim # XXXX XXXX : ATM CLAIMS DEPARTMENTS AND? OR TO WHOM IT MAY CONCERN. 
Hello, I was instructed by the FTC, XXXX, and XXXX  to send this letter to reopen my claim and refund my full funds, as my last civil attempt to resolve this matter with Bank of America. 
If my full claimed funds aren't refunded within the next XXXX business days from the date of this letter I will continue my claims with the agencies mentioned above and legally. 
Id like to advise you that even though my attorneys XXXX XXXX and XXXX havent stepped in to represent me in this matter as of yet they will do it so if you guys continue denying to refund my full atm amount deposit. 
Below you will find some of the series of events on how your bank is in deficit to comply with bank rules and regulations based on the event that occurred and your promised and demeanor failure to comply after. 
On XXXX, XXXX XXXX  at XXXX pm I was at the Bank of America XXXX ATM ( ATM ID- XXXX ) in XXXX  XXXX XXXX  XXXX to deposit my due mortgage and HOA payments totaling {$9300.00} in most {$100.00} bills. 
After inserting the cash the machine kept showing a screen with BOFA logo and a circle going around it ( SEE PICTURE ATTACHED ), after a while the screen changed to a message that said : Theres a problem with this machine. Were sorry, but we cant return your cash. Prior to the issue, we processed {$1500.00} of your deposit. To help us complete your deposit, enter the approximate amount of additional cash inserted. 
Enter Amount ( SEE PICTURE ATTACHED ) I entered the amount of {$7800.00} since the total was {$9300.00} and {$1500.00} was said by atm screen message had been processed from it. 
After I entered the amount the screen went to a new screen with the following message : Your transaction Ended. Be sure to take the printed claims receipt. Take your receipt. 
( See Screen Picture Attached ) I removed the printed receipt ( Picture Attached ), and Immediately contacted the Bank of America phone number that was on the receipt ( XXXX ). 
* * * * * ( CONTINUE NEXT PAGE ) * * * * * * XXXX Time Call- Claim Filling and remaining credit deadline : On XXXX, XXXX XXXX  at XXXX I called the XXXX while still in front of the atm, and then at the bank branch parking lot to advise Bank of America what just happened in their atm and to have my remaining fund processed immediately since I had to pay the mortgages and HOA by wire with those funds that same day. 
I waited on the phone for several minutes that seemed like an eternity until I spoke with XXXX in XXXX  ( thats how she presented herself ). 
I advised XXXX that I was short {$7800.00} from the money I deposited since Bank of America atm said just processed {$1500.00} of my {$9300.00} deposit, I mentioned all the issues that occurred together with atm messages given. 
XXXX guaranteed me that they were resolving the issue right away and would credit my remaining {$7800.00} within XXXX hours from our phone call. I reiterated to XXXX the issue that the delay was causing me since I was on my deadline date to pay the mortgages and HOA amount I deposited to and now I wouldn't be able to wire my creditors payments by the deadline due to Bank of America delay on releasing my money. 
XXXX apologized and guaranteed that no matter what the money was being credited within XXXX hours or in most cases even sooner but never later. 
I waited for the funds to be credited into my account as promised until almost XXXX of the next day, XX/XX/XXXX, and nothings credited. 
XXXX Call : XX/XX/year> at XXXX On XX/XX/XXXX at XXXX after checking my account multiple times and seeing no credits processed I called Bank of America and after staying on the call for XXXX minutes I was told by a Bofa representative named XXXX that the atm department was closed and I couldnt get any information from it. I explained to XXXX that I needed my promised funds and the time frame promised was overdue but XXXX said couldnt help me and told me to call back the next day during the timeframe that the atm department is available. 
XXXX call XX/XX/XXXX at XXXX Spoke with XXXX employee id # : XXXX. I explained to XXXX my dire situation due to the high amount and the number of mortgage and HOA delinquencies and threats I was dealing with due to Bank of America mistakes and delay. 
XXXX, told me that not to worry that I was being reimbursed for all the delays and fees acquired due to Bank of America mistake and delays, he also said that that that particular location atm is having several problems and was in the process of being rectified as we spoke. 
He said he filed an escalation so my funds would be guaranteed refunded by XXXX business days from that moment and that escalation was filled and that for me to call back after receiving my funds to request credits for the fees and charges caused due to the atm issue and delays. 
I contacted my consumer protection attorney as well as the financial protection agencies, XXXX, and FTC and they told me due to bank regulations and timeframes for me to wait XXXX business days to see if I receive my full money back, so I decided to wait while defaulting on my loan payments due. 
While waiting as instructed, on XX/XX/XXXX i received an email from Bank of America saying Important Update about your claim I wasnt able to open the document so I planned to call Bank Of America next day. 
On XXXX, XXXX 2025 I called Bank of America, and the agent XXXX from XXXX took my phone call. She advised me that the information sent by email that I wasn't able to open says that my claim has been completed and that Bank of America credited me on XX/XX/XXXX {$1600.00}!!!! 
I asked her what she meant by {$1600.00} and I said the amount that was being processed but never showed into the account was to be {$1500.00} immediately and {$7800.00} within XXXX hours from my initial claim advisory. 
She continued on reading the message and advised that Bank of America said they could only locate {$1600.00} out of my {$9300.00} so they gave me what they felt like and closed the claim. 
I was beyond myself but was able to respectfully advise her that the amount is {$7700.00} shorter than my money deposited, so she told me to write everything I went thru on the paper and send as an affidavit to Bank of America so they refund me for the difference within XXXX business days from the letter received. 
So here I am on XXXX, XXXX 2025 a XXXX  and my only day off losing hours gathering information, pictures and documentation and well as writing detailing everything that Bank of America put me through so far, as my final civil attempt to recover my remaining now {$7700.00} cash immediately by no later than XXXX hours from receiving of this letter. 
Please be advised that I will proceed legally to the full extent of the law if my full funds are deposited into my account within XXXX XXXX  from this letter. 
Youve been promptly advised. Behave yourself accordingly and reply within the timeframe given. 
Sincerely, XXXX XXXX

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