Consumer complaint received 2024-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX. XXXX  XXXX located at XXXX XXXX XXXX, XXXX, Florida. XXXX denied me access to my funds in my account. They denied me access to my ATM daily limit withdrawal amount. When I tried to take less than my daily limit they restricted my card access. When I called they advised I need to speak with their fraud department. XXXX, BOA fraud employee thought the entire situation was hilarious. BOA customer service and telephone wait times are ridiculous. 

I feel BOA is also participating in unethical, unfair, and deceptive business practices with their dispute process. They do not provide the temporary credit to your account as promised. BOA will not allow me to file my dispute process online, in my own words ; Although they advertise that I can and has sent me links to do so in the past. Whenever I try to submit a dispute via Bank of XXXX  XXXX  I receive a message that I MUST CALL BOA TO FILE A DISPUTE. I feel this allows BOA employees to write the dispute for you. Thus us totally unfair and deceptive. Are they writing my dispute it in a way that I lose and the company wins. I believe that is exactly what BOA is doing. BOA is not being unbiased during this process and 99 % of the time BOA unfairly sides with the merchant. 
Another thing I noticed is when there is a hold on your account BOA alleges the charge falls off, however it appears your account balance never reflects that change. I feel this company is blatantly victimizing customers in the XXXX of Florida with no accountability. I strongly feel XXXX XXXX Florida and the XXXXXXXX XXXX XXXXXXXX tolerate, welcome, and encourage this unethical treatment if CERTAIN residents. I feel XXXX XXXX and the XXXX of XXXX needs investigating as well for XXXX XXXX  and discrimination, On XX/XX/XXXX several BOA representatives from sent my family on a wild goose chase from bank to bank and continuously denying us access. I feel Bank of America is using fraud checks to victimize and take advantage of their own customers. The public embarrassment was unbearable. BOA XXXX department Representatives sent my family to about XXXX different BOA Branch ATMs alleging I will now be able to withdraw my own funds ; BOA was dishonest as usual, All ATM withdrawals were still being declined after I completed Fraud Verification Process. 


I reported this incident of XXXX profiling to several government agencies I received a call from someone in BOA fraud or XXXX department.. I think he said his name was XXXX. 

That call did not go well at all. XXXX was not receptive and tried to downplay the entire ordeal. He was very rude, insensitive, and sarcastic. Instead of being unbiased and receptive to diffuse and resolve the situation, he took it all personal and could not control his anger when I was speaking my truth ; instead he decided to pour gasoline on an already lit fire. He was biased and on the defensive from the beginning of the call. XXXX actions confirmed to me that this is a part of Bank of Americas normal practice towards CERTAIN customers. 

See attachments of acknowledgement of receipt if complaint from various agencies. 

This bank unfairly and deceptively reported to XXXX that I did not meet cash back requirements and caused my credit score to decrease after only having the card for one month. My credit score was over XXXX until I got this credit card with Bank of America. 

If my ATM daily withdrawal limit is {$1500.00} why did BOA restrict my card usage/privileges when I tried to withdraw {$500.00} from the ATM. See attachments This restriction also prevented me from getting gas and food for my family. BThis is so unfair to my entire family. 

Another issue with BOA. They are doing fraud checks when customers are trying to get gas. A lot of times the verification process does not work and then you are unable to use your card. Again, being denied access to your own available funds. 

I wonder how many customers have fallen victim to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to a fraud check because they decided to use their debit/credit card to get gas, but was unable to because of a fraud check from any bank, including Bank of America XXXX 

I would like my account audited. BOA needs be investigated for discrimination in banking ( XXXX profiling ) as well as internal fraud, theft, retaliation, discrimination, etc. 

It appears that BOA is also participating in XXXX XXXX XXXX and false advertisement as well as internal fraud and deception Also please be advised I lost time from work because I had to go into BOA the next business day to have my card unrestricted and to also have access to my available funds.

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