Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
in the end of XXXX Their were two charges to my account list as XXXX XXXX XXXX I knew of the other looked like a duplicate. When I check the cost service number on it I connect to a Spanish phone service telling me the number was disconnected. 
I went to XXXX and they said they did not know it. So I went to my bank Bank of America and asked the for help. I have had to do this several times on this account.in fact this account has had in less than XXXX years six or seven changes of my debit card and many problems. Well the customer service rep looked at it and then said it was not just once but had been running hidden for a XXXX. So I Calle about one charge and the BANK EMPLOYEE said she found more and was going to try and get a refund for the whole year. I said thank you and hung up. On XX/XX/2023 the bank began to credit my account for the loss. the thing is on the same day the bank said they received the funds from XXXX for the charges. I have a lot of apple charges so I did not notice it. on that day XXXX paid XXXX months out of XXXX the bank on the same day gave me credit for XXXX months. a few days later the XXXX  month. the through my account off so bad with credits and debits I could not make head nor tail of it. I call ed they said do not worry it will be fixed. The thing is in XXXX I had about ten different charges come up elsewhere that needed the fixed. The last one was a data broker site I inquired about my records long story short I did not authorize now sign up for an account with them. they proceeded to charge me {$150.00}. I not only saw this before it hit my account. asked that they did not post it as they company did not answer its phones and would not respond to my emails. By the time the bank allowed this to clean the woman on the phone side they have questions if ia wa a grad case so no credit would be issued. she told me it would not be return to me until the end of XXXX month or as she said XX/XX/XXXX. It became something I kept calling about to remove until one woman I spoke with became biligerant after adding earthing I said was tru but key saying the bank never credits right away then when I asked for the information to that effect be sent to meter response was look it up yourself on XXXX and I told what page so look it up. Her next move was to formally close my account without my knowledge. The when they got a round to reopening it XXXX or XXXX days later the did nothing about this charge they no only allowed to hit my account but paid them. then I received a letter stating the bank submitted my name to XXXX XXXX with no reason attached. Since then I have checked XXXX XXXX bt afterward I suffered a fall and was hurt so I can not go out at this time and every time I tried to open a new account they say they can not unless I come into the bank and show them id first. I have never had to do this and it is all a direct result of the bank saying I committed fraud. Better yet I told more thane employee that I was at XXXX because I was once a XXXX XXXXXXXX XXXX there and knew of it should work. another thing I was told was the Bank you give anyone who says they have a subscription with my account all the news card and account info whiteout any vaerification or proof the should have it. which means the first time I was sent a bad charge the bank has been giving the culprits new access into my account and all they have to say is they are a different company than the one blocked. I loved into it further and in the finace world any person representing themselves as a XXXX or the main service from XXXX XXXX can submit to a financial institution and see they are a first responded and really all they have to do to qualify for access is use a Clean even stole id that can pass a background check. in other words anyone can pick up a name from the dark web for XXXX cents an use XXXX XXXX as a way to harass or even rob unsuspecting persons anywhere I the XXXX and around the world. all because their is no mechanism to only allow true first responders only to use a website that both gathers and give ALL DETAIL INFORMATION for anyone they choose no questions asked. 
Any present my account has XXXX cents I it and now that I am on XXXX XXXX I can not even leave this accountant and open a new one for my direct deposit. Which the bank 's kind letter telling they closed my account and submitted me to XXXX XXXX was my problem to deal with.

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