Consumer complaint received 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am writing to request an investigation of the following information that appears on my XXXX XXXX XXXX consumer report : Source of dispute information : XXXX XXXX XXXX XXXX XXXX XXXX of disputed information : Previous Checking Account Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : This incident does not claim to be fraud. The return reason is for insufficient funds which means I did not have any money in my account for the purchase to go through. The amount for this fraudulent activity was {$9.00}. There would be no reason for me to jeopardize my account over {$9.00}. For the dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, it has the same amount of {$9.00} which means these have been recurring purchases and the same amounts. Due to this, this does not seem to be fraudulent. I will provide evidence from my consumer report that was provided to me. 

Source of dispute information : XXXX XXXX XXXX XXXX XXXX  XXXX of disputed information : Previous Checking Account Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : This incident does not claim to be fraud. The return reason is for insufficient funds which means I did not have any money in my account for the purchase to go through. The amount for this fraudulent activity was {$12.00}. There would be no reason for me to jeopardize my account over {$12.00}. I went back to old statements that provide information for the exact amount on my XXXX account for {$12.00}. I will include it towards the end of the document. XXXX XXXX which is the {$12.00} purchase, was a recurring purchase. It tried to take money from my BoA account, did not go through due to insufficient funds, and charged my XXXX card. Due to this, this does not seem to be fraudulent. And proof that this is my actual XXXX card, I will upload a picture of my first and last name with the XXXX last numbers of the card to match up with the statement. 

Source of dispute information : XXXX XXXX XXXX XXXX XXXX  XXXX of disputed information : Previous Checking Account Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : This incident does not claim to be fraud. The return reason is for insufficient funds which means I did not have any money in my account for the purchase to go through. The amount for this fraudulent activity was {$12.00}. There would be no reason for me to jeopardize my account over {$12.00}. I went back to old statements that provide information for the exact amount on my XXXX account for {$12.00}. The same purchase that was made on my XXXX card is the same date as this incident, XX/XX/XXXX. I will include it towards the end of the document. XXXX XXXX  which is the {$12.00} purchase, was a recurring purchase. It tried to take money from my BoA account, did not go through due to insufficient funds, and charged my XXXX card. Due to this, this does not seem to be fraudulent. And proof that this is my actual XXXX card, I will upload a picture of my first and last name with the XXXX last numbers of the card to match up with the statement. 
Source of dispute information : XXXX XXXX XXXX XXXX XXXX XXXX of disputed information : Previous Checking Account Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : This incident does not claim to be fraud. The return reason is for insufficient funds which means I did not have any money in my account for the purchase to go through. The amount for this fraudulent activity was {$5.00}. There would be no reason for me to jeopardize my account over {$5.00}. I went back to old statements that provide information for the exact amount on my XXXX account for {$5.00} through BoA. I will include it towards the end of the document. It was an XXXX transaction which was {$5.00}. This transaction was made on XXXX XX/XX/XXXX. It tried to take money from my BoA account, did not go through due to insufficient funds, and charged my XXXX account. Due to this, this does not seem to be fraudulent. The screenshot is valid because as I provided, it shows the last XXXX numbers of my BoA account which is XXXX. 
Source of dispute information : XXXX XXXX XXXX XXXX XXXX XXXXXXXX of disputed information : Previous Checking Account Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : This incident does not claim to be fraud. The return reason is for insufficient funds which means I did not have any money in my account for the purchase to go through. The amount for this fraudulent activity was {$5.00}. There would be no reason for me to jeopardize my account over {$5.00}. I went back to old statements that provide information for the exact amount on my XXXX account for {$5.00}. I will include it towards the end of the document. It was an XXXX transaction which was {$5.00}. This transaction was made on XXXX XX/XX/XXXX. It tried to take money from my BoA account, did not go through due to insufficient funds, and charged my XXXX account. Due to this, this does not seem to be fraudulent. And proof that this is my actual XXXX card, I will upload a picture of my first and last name with the XXXX last numbers of the card to match up with the statement. 

Due to my explanation and proof of evidence, this is not considered as checking account fraud. 

Thank you for your assistance.

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