Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Hello my name is XXXX XXXX, let me start by saying that I was a victim of Fraud for the XXXX time in less that XXXX years, by that I mean a lot of money was stolen from my wafed account. On which I opened a claim with my bank to have them look in to that fraud or theft, fortunately the bank started an investigation right away and as they work in my XXXX fraud cases and solve XXXX at a time they make payments in to my acct. so far they have solved and paid XXXX of the XXXX cases and they still working on the last XXXX cases. However, this fraud happened about XXXX months ago which means that is taking a long time for XXXX to investigate and solve each of the XXXX cases. In the meantime Iv been late paying half of my bills to other lenders. XXXX of these lenders is Bank of America. On XX/XX/year> I decided to call Bank of America and inform them of my situation and the reason I have not been paying my credit cards to them and the main purpose of my call is to make a payment arrangement and to ask them to waive some of the late fees, on which the Bank of America Representative with the name of XXXX told me that he was going to try to waive some of the late fees and he gave me the reduced amounts that I would have to pay on each of my XXXX credit cards including my business credit card. 
On that he asked me if I wanted to set some specific dates to make these payments on which I said NO, and the reason I said NO is because I didnt know when exactly I was going to be getting a check that I was going to get for {$7000.00}. The other reason I said NO dates because I had previously done it with XXXX Card and the money wasnt deposit on time when I had told them to take the money and they ended up charging me more extra fees. Yet another reason I didnt want to make a commitment to give him dates is because with that check of {$7000.00} I was going to pay a friend some money he lent me I was going to pay my mortgage of {$2100.00}, some other credit cards qnd other bills and specially with that check I had to make XXXX payments of {$1300.00} to pay my truck loan that was XXXX days late and a week later I had to make an additional payment of {$650.00} to prevent my truck to be repossessed by the lender. 
After giving such a long and detailed explanation MY COMPLAINT is the following : When the lender attempted to withdraw from my Bank of America bank acct the XXXX payments of {$1300.00} on XX/XX/XXXX to prevent my truck from getting repossessed there was not enough money in my Bank of America Bank acct to cover for those payments and other payments as well. and the reason there was not enough money in my BOFA Acct Is beacause Bank of America transferred {$3200.00} to pay XXXX of the credit cards that was past due WITHOUT MY PERMISSION WITHOUT MY AUTHORIZATION!! 
When I had spoken to the Bank of America Rep, XXXX on XX/XX/XXXX i never agreed with him to withdraw any money from my acct to pay my credit cards, I never gave him any dates to withdraw the money I was going to pay them through my Bank of America app. Or by phone. 
By the way I was the one that took the initiative to call BOFA and to let them know my situation and that I was going to be getting some money to pay my credit card but I never agreed with them to take or transfer or withdraw any amount golf money from my BofA acct cause I knew I had a bunch of other very important bills to pay specially my mortgage and my XXXX payments to pay my truck loan. Now XXXX bank is After me to make not XXXX but XXXX payments so they dont repossessed my truck. MONEY THAT I DONT HAVE NOW!!! 

The money I had destined to pay my XXXX Bank of America credit cards was {$1400.00} NOT {$3200.00} And XXXX knows that because he recorded the conversation and there was no authorization to take any money I was going to do it!!! 
I request that I get the difference of {$1800.00} transfered to my savings account please! 
Im going to have to borrow this money to pay the {$1300.00} to XXXX Bank plus late fees from a relative or friend until I get this money back to my account. 
I understand Im late with my credit cards and have to pay BOFA but so I have to pay other lenders as well! And the fact I took the initiative to call BOFA shows Im willing to pay but that was not the agreement!! This only adds more stress to my horrible situation not only the theft of my money the loss of my credit and now losing more money that I need for something else. 
Should you need any documents, dates or any other information I will be glad to provide it. 
I hope this situation gets resolved in a prompt manner and I will not have to get an any legal assistance!! 
* * An important note : I called BOFA XXXX to try to speak to someone about my situation/case and try to resolve it the XXXX  time the Representative XXXX? ( Not sure spelling ) told me that she was locked out of my acct and that she could not help me. The XXXX time I called and talked to XXXX he could not verify my information, he said that there is no way he can verify my information to what I asked what do you mean? He said is not giving me the tools I need to verify you really are XXXX XXXX and therefore I cant access any of your accounts ( very weird never had that before ) he advised me to go to the local BOFA And I went and they tell me I have to call customer Service at XXXX. 

Thank you in advance for your understanding! 

XXXX 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 explanation