Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn of Successful Payments from Checking Account XXXX XXXX XXXXTo Whom It May Concern:\n\nI am writing to request an urgent investigation into several payments made from my Bank of America checking account (ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXaccount ending in XXXX). I am in a major dispute with XXXX XXXX as they have failed to properly credit my account for multiple payments that my Bank of America records show were successfully sent and never returned.XXXXhis has resulted in significant improper interest charges and negative credit reporting. To resolve this, I require official confirmation from Bank of America regarding these transactions. The discrepancies are detailed below.\n\nProblem Statement 1: Successful XXXX XXXX Retry Payment Not Recognized by Wells Fargo\nOn XXXX XXXX XXXX, my Bank of America account shows a successful withdrawal oXXXX XXXX  described as "XXXX XXXX XXXX XXXX XXXX  My statements confirm these funds left my account and were never returned. Despite this, XXXX XXXX records show this payment as reversed, leading them to charge me XXXX  in erroneous interest.\n\nProblem Statement 2: Successful XXXX XXXX Payment Not Recognized by Wells Fargo\nOn XXXX XXXX XXXX, my Bank of America account shows a successful withdrawal of XXXX XXXX XXXX XXXX XXXX XXXX." My statements confirm these funds also left my account and were never returned. Wells Fargo\'s subsequent statements do not reflect that this payment was properly applied to my balance.\n\nProblem Statement 3: Two Successful May Payments Ignored by XXXX XXXXMy Bank of America statement foXXXX XXXX XXXX XXXX XXXX XXXX XXXX, shows two more successful, non-returned payments to Wells FargoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX records and their reporting to credit bureaus fail to account for these successful payments, leaving my account with an incorrectly inflated balance.\n\nProblem Statement 4: Harm Caused by Payment Discrepancies\nThe core issue is that Bank of America\'s records serve as definitive proof that I have sent substantial funds to XXXX XXXX XXXX XXXX failure to acknowledge and properly apply these payments is the sole cause of the ongoing dispute, the improper fees, and the damage to my credit history.\n\nDesired Resolution:\nI formally request that Bank of America take the following actions:\n\nConduct a trace or internal investigation on the four specific successful withdrawals detailed above XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nProvide me with official written confirmation or documentation proving that these funds were successfully transferred from my account to XXXX XXXX and were not subsequently returned or reversed on Bank of America\'s end.\n\nThis official verification from you is critical for me to prove my case against XXXX XXXX. Your prompt assistance is deeply appreciated.XXXX XXXX

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