Consumer complaint received 2017-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
To Whom it may concern, My name is XXXX XXXX, I am an XXXX XXXX, XXXX and XXXX in XXXX MA. XXXX XXXX XXXX For the past ten years I have banked with bank of America and I, for the past 7 yearsI have held a mortgage, on one of my properties with XXXX XXXX . 
The mortgage was always payed via electronic banking every month in the amount of {$1000.00}. The money went from my account at BOA to the mortgage department at XXXX XXXX. 
This month, and I still dont know if it was my mistake in typing or a mistake from Bank of America 's computer systems, a payment of {$10000.00}. instead of {$1000.00}. 
was made to my mortgage company. 
I did not have that amount of money in my account in fact I had about XXXX XXXX dollars in there, back of America did not  contact me to see if this might have been a mistake, and decided to use a " {$5000.00} overdraft protection to protect me from bouncing the e- check. They charged the {$5000.00} that I did not have in my account to my credit card and withdrew everythingI had in my checking account then they issue a check ( from them not from me ) to XXXX XXXX for {$10000.00}. 
This morning the XXXX when I went to the bank to make a deposit I found myself with no money in my account. 
The {$10000.00} payment had been made on the XXXX. I spent 4 hours today, from XXXX XXXX until XXXX XXXX, trying to rectify the situation. 
I was at the Bank of America branch, and then, I was on the phone with them for 2 hours, and they just said that there was nothing they could do, they couldnt cancel the check, they couldnt talk to XXXX XXXX and my only hope was that XXXX XXXX would refuse the check. I explained to them that I already spoke to XXXX XXXX and they had the money and they were willing to refuse the check if bank of america contacted them and made sure that the payment of {$1000.00} was in place. 
Please notice that in 7 years I was only late once with the mortgage check, and I think the last time I bounced a check was 2011 or XXXX ( for a small amount ) because a payment that did not come throw. I have an XXXX XXXXredit score just a regular good citizen. 
XXXX XXXX said that all they needed was a note from Bank of America stating that they would honor the {$1000.00} monthly payment if XXXX XXXX retuned the check. Well I could not find anybody at Bank of america that would do that. I couldnt get bank of america to cancel the check. 
I had to call my financial planner in a rush and have them send money to my account because I had several other bills that were to come throw tomorrow and Friday. 
So beside the overdraft charge that BOF charged me I also had to pay a rush charge to get some money in my account quickly. 
So if I had not had savings I would have been left with nothing in my checking account plus a {$5000.00} credit card bill. 
XXXX XXXX re-insured me that within ten days they will refund the {$9000.00} that right now have been put towards escrow. 
Imaging if this had happened to somebody with no savings. 
To prove my statements I have about 15 minutes of footage of my conversation today with a BOA representative in which she repeatedly says to me : well there is a chance that XXXX XXXX will refuse the check but we wont know until XXXX XXXX I replied : I already talked to XXXX XXXX they already have the money so the check had gone throw, why would they refuse it unless they hear from you? 
BOA woman : I am sorry we cant do anything then, its up to them to return the money I : Are you telling me that in this day and age with your client on the phone you cant put a stop on a check? 
BOA woman : no there is nothing we can do once your credit card has been charged for overdraft protection. 
I go on saying that I will call the attorney general because this complete unwillingness to help me would clearly benefit them since if I couldt pay the credit card they would keep charging me interest. 
The footage is high res and I could upload it on XXXX for you to see. 
By the way I had XXXX balance on this card. And I have NO credit card debt!

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