Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XXXX clean balance in the beginning then I transferred money into my main account for the following XX/XX/XXXX XXXX  - paid {$67.00} XX/XX/XXXX XXXX- paid {$65.00} XX/XX/XXXXXXXX XXXX - paid {$190.00} ( Processing fully completed XX/XX/XXXX ) however a negative balance hold of {$120.00} didnt drop XX/XX/XXXX refunded XXXX- {$36.00} XX/XX/XXXX temporary claim for XXXX  {$36.00} I was left with a negative balance out the blue of {$120.00} after paying companies Called on XX/XX/XXXX and XX/XX/XXXX when I saw negative balance to get an explanation. Rep stated the negative balance will drop after processing since I paid it already and due to it being the weekend so itll be a hold. However negative balance never dropped. 

Called bank back on XX/XX/XXXX and another rep didnt know how the negative balance got there and transferred me to supervisor. Supervisor stated negative balance came from not paying smartstop I informed I transferred money over to pay, supervisor then stated the other purchases from the company took money out. I then informed supervisor I also transferred money over to pay those companys and the companys will not take money out of my account if it was XXXX balance or a negative. Supervisor then stated negative balance was due to the temporary credit being back owed I needed to pay and the fees. I said ok I got you. ( Even though that didnt make sense due to the balance being more than {$36.00}, it shouldnt had came up to {$120.00} ) I let it go to not argue and move forward on good faith. 

I then transferred {$130.00} over to pay the negative balance of {$120.00}. Even though I already paid the companys off so the bank charged me again even though I paid the companys and bank never released the money I transferred over that the companies took, so thats double the cost. 

On XX/XX/XXXX I seen a credit of - {$36.00} from the temporary credit. The same temporary credit the bank Supervsior stated I needed to pay back in XX/XX/XXXX. I called the bank and spoke to XXXX, and supervisor XXXX in fraud claim dept explaining why did I owe them after I paid that off in the negative balance of {$120.00}. They stated that had nothing to do with the credit and they are just now asking for the money back. I informed them of paying an extra {$120.00} for no reason. They stated they couldnt help and transferred me over to customer service Supervsior line. I explain the situation and they put in a tickets for me to have this investigated. 

Ive been getting random money out of my account from the bank and they are saying its late fees, then say its due to the money being held and will drop later ( but never do ) reps are giving me the run around. My money I transferred over to pay off the company never released since I had to pay an extra {$120.00}. There was no money in the account before that so there shouldnt be a negative balance being owed

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