Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX, XXXX XXXX XXXX through XXXX for the purchase of a pre-owned car. The total paid was {$3000.00}. On that date, she was given the car, car keys and the title to the car. Within days, she started calling saying that she felt that she was having problems with the car. She noted that she had a mechanic and planned to take the car to them to be checked out. Reminded her that the car is a XXXX and that it was not a new car. At the time of the sale, she was advised about anything that was known to be defective with the car. When she purchased the car, she took the car for an oil change and car wash and stated that all was well. On XX/XX/XXXX, she made a phone call and stated that she attempted to take the car for an inspection and it was noted that the car needed a fuel pump. Asked about her mechanic fixing this for her and she stated that has now decided that she did not have money to repair the car and needed to bring the car back. Explained to her that during any other private sale, used vehicles are considered as is and that nothing was wrong with car at the time of sale. She stated that was making this call because of being related to her and felt that the situation would be different. Later that same day, advised her to bring the car back and her money would be refunded. At the time of the agreement to accept the damaged car back, we were unaware that she had initated a false claim with Bank of America citing fraud. Bank America, in turn, froze the alleged amount of {$3000.00} and advised that this amount would remain on hold up to 45 days while they investigated the false claim. Its odd that a bank freezes another persons account from the false claim of another person, without knowing facts or truths. The consumer is treated with no courtesy by anyone who is disgruntled and decides to make a false claim. I have had my bank account with Bank of America for XXXX  years and this false claim was made on my account by a XXXX XXXX XXXX with no merit. As proof, I still have my signed car title showing the intent to sell the car to her on the noted date. Its defintely not appreciated to receive the treatment from Bank of America, having no regard for actual consumer for such length of time. It defintely sends a message that if someone decided that the y did not care for someone, they could call they bank to make false claims and no one is inconveniced except the actual consumer. I suppose there are false claims all around. I always thougtht that my financial institution had protection in place for things like this, I guess this is incorrect. Everyone has to fight for themselves against theives. I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Its this sort of thing that I dealt with a routine basis, theft, burglary, con artist, scammers, and organized crime. This is exactly the same thing that is happening her, so poor and unbelievable.

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