Consumer complaint received 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I purchased an auto policy with XXXX on XX/XX/XXXX, on XX/XX/XXXX, a duplicate charge was posted on my checking account from BOA. I this filed a dispute with BOA and was given a credit of the second payment on XX/XX/XXXX. However, I immediately received a letter from XXXX stating I needed to make repayment because the payment from BOA was reversed. I called XXXX again and they stated they only received one payment which was reversed. I was very alarmed because I was dented twice, if one was credited, then the other should be valid. Yet XXXX vehemently denied they got two payments. I then had a XXXX way call among both BOA and XXXX, trying to resolve this issue. I asked the question to BOA, and a rep ( XXXX ) told me they already communicated with XXXX, and XXXX XXXX had a written statement admitting their error. I thought the dispute was resolved. Yet I kept receiving notifications from XXXX that I didnt make the payment, yet {$3100.00} was gone from my BOA account on XX/XX/XXXX. I then filed a second dispute claim with BOA on XXXX, and BOA placed XXXX temporary credit in that amount back to my bank account on XX/XX/XXXX. Yet, on XX/XX/XXXX, l received a note from BOA saying that my second claim was denied and I will be debited the credit of {$3100.00} on XX/XX/XXXX. In the meantime XXXX is still asking for my payment. So, after the whole process, I will end up with a loss of {$3100.00}. I made the second XXXX way call with both companies on XX/XX/XXXX, when being asked where the money from my account will go after XX/XX/XXXX, and the first rep from BOA told me it will be back to BOA. I asked him why, because my purchased service is with XXXX, not BOA, he got his supervisor ( XXXX ) on the phone to deal with me, after the rep from XXXX explained why they only got XXXX payment, never the XXXX payments as the rep ( XXXX ) told me last week, since that payment was reversed l realized that the whole trouble which has caused me health issues ( I have since this developed health problems that I am still trying to deal with ) and loss of lots of time, it was stemmed from the error of BOA system, when they posted the pseudo duplicate payments on XX/XX/XXXX. Yet XXXX refused to listen to me, and refused to answer my question as where the first payment of the XXXX on XX/XX/XXXX went, since based on XXXX, only XXXX went to them. She even hang up on me. Basically BOA took money out of my account on XX/XX/XXXX, and returned to me on XXXX/XXXX, and then will take the money again on XX/XX/XXXX, presumably paying XXXX, yet I have to come up with additional {$3100.00} right now to pay XXXX. Because of the banking error, I have endured physical, psychological and financial losses. Their customer service is very bad. Ive been working BOA for nearly XXXX, it is time that I sever my business.

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