Consumer complaint received 2020-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
To consumers complaint dept, a EFT check of {$12000.00} was credited to my credit card for payment. But the bill was paid. I called Bank of America on XXXX dated XX/XX/XXXX and Representative for credit card dept said '' no problem refund of {$11000.00} ( XXXX finance charge adjustments ) will go into my checking accounts ''. The bank credit card representative " Take 2 or 3 business days ''. Then I called back XX/XX/XXXX. I was told after waiting for them to check everything, out about the overpayment EFT check, the information clear from the credit union. That the money will be in the account by Monday XXXX XX/XX/XXXX XXXX for 2 or 5 business days. Due to the fact last Monday XX/XX/XXXX holiday. Bank of America credit card representative has breach there contracts and misrepresented me over and over. Once, again, the money not in the account on XXXX XX/XX/XXXX XXXX Monday, talk with XXXX who refund the XXXX fee which I did not ask or aware of until XXXX informed me. XXXX and his supervisor that reassures the money will be release by XXXX. Once again, letting me know after leaving me on hold to confirm for 15 minutes each times confirming theEFT check is good. I get it about the Covid-19 and understand if I was a new customer. However, I been with this bank for 19years or more. Moreover, once again put on hold two more times only to confirm EFT check is good from XX/XX/XXXX and XX/XX/XXXX about funds. I call back today put on hold once again for 15 minutes by XXXX then her supervisor after getting new information from both of them that instead of getting XXXX but XXXX. Refunds will not be release until XXXX more lies. Again, breach of contracts and misrepresented by Bank of America credit card dept. I when through chain of command for help into releasing funds. Credit card rep XXXX, to her supervisor XXXX then his manager XXXX which said " He nor anyone could release the hold ''. Which all told me that the fund will not be released XXXX more lies. I had enough of breach of contracts and misrepresented it getting me very very angry. I asked XXXX to speak to his manager. He didn't want to give me any information for his boss at first but I let 's him know. I am going to report him, Credit Card Dept of Bank of America for breach of contracts and misrepresented me. Once again, from the Bank of America in several conversations into breach of contracts and misrepresented me into releasing my credit card refunds of XXXX. I am going to file consumer protection report. At that point, he gave me his boss name XXXX XXXX and said, " Take 24 hours by Monday or Tuesday '' of next week.Thanks for listen and I gave them over ten days, to release my credit card refundXXXX. money to put in my accounts. I am very very upset, angry and confused into them not releasing my money. I just can't take anymore with all that's is happening with Covid-19, killing and looting. Now, the Bank of America is abusing their powers and holdings my credit card transfer refund money {$12000.00} for capital gains. What else could it be then to make more money off of my money. Bank of America credit card needs to reevaluate there manager on misrepresented, breach of serevals contracts into contradicting each others into Bank policies and compliances for holds on XXXXFT between 2-5 or at the most ten days for large items/ checks. I would like for them to  release my money and pay me interest from XX/XX/XXXX to XXXX. That no guarantee but more lies on XXXX if funds are not released. Bank of America probably working on another date when I call back. 
Again, thanks for listen and be safe! 

Very very upset and angry,

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