Consumer complaint received 2024-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
There were a whole bunch of unauthorized charges that posted on XXXX without my knowledge beforehand and without any authorization hold first from XXXX to BofA. Only XXXX charges were credited, the rest were denied with no explanation, twice. They have to keep opening the claim back up due to lack of explanation and the proof I have and they wont share their proof, but they also have the same proof plus more than I have. 

charged to old card-credit denied claim -no investigation {$1300.00} {$330.00} {$200.00} {$200.00} credit by BofA {$250.00} {$25.00} {$100.00} eviction fees {$400.00} late fees XXXX {$520.00} atm deposit ate by machine {$4000.00} Still need credit for {$7000.00} They still owe me, {$7000.00}. I went into the negative {$1500.00} and I don't have overdraft and didn't write any checks or use credit or debit. These were credit card payments that I didn't make, initiate, or authorize. More than half were charged and paid by an old temporary BofA debit card that I used to have a month prior but no longer worked at that time. I gave BofA all the evidence I had, but they had most of the evidence themselves and I let them know that I am getting evicted, this needs to hurry, and that I now have more in fees and im getting kicked out and they wouldn't even take a peek at the case, just just blindly deny my claim and wait the max amt of time to credit the money stolen from me in the ATM, no help, no reasonable investigation. twice denied and say for me to call for documentation used in making the decision but when I do there isn't any so they open the claim back up after looking at the evidence and having no answers for me as to why the claim was denied in the first place, or TWICE!!! and still not paid. They say cause it was denied it resets the clock for the 10 days each time but they haven't done a reasonable investigation, they couldn't have because the fraud is so obvious that they couldn't have even looked at it and now say don't have to give my money back now for 45 days. I don't have 45 days and I need all my money back plus the from Unauthorized charges, my eviction/late fees, and now the $ XXXX that the ATM gobbled up and said {$0.00} during this dire time of getting evicted and I miraculously was able to get some more money and now that is gone too. B of A not helping one bit and waiting till the very last day that they are forced to credit me except for the denied claim. 

I still haven't paid rent for XXXX and XXXX, I don ; t have much time left until the Sheriff takes me out of here. I had promised to pay on the XXXX when I got a check from XXXX but that was the day BofA and XXXX, decided to team up on me and blindside me by with {$2500.00} in unauthorized charges plus fees and now a deteriorated trust relationship with my landlord.. They really put me in a huge terrible spot by not protecting me and not following the rules and helping me on what is clerly their errors. .I 've called every day, sent letters, all the proof I can tonshow ther were no transactions of these amounts near those days. every day, nothing has helped. Then I got XXXX eaten up by the atm a day or XXXX later after i should have had all my money back already.the credits they gave me for the one claim they paid, didn't even cover half of my negative balance in the bank. I still haven't received that money either. {$6500.00} plus {$920.00} in fees to apartments was taken from me and no help getting my money back so far. No answer about the fees they are making me incur by eviction.then they denied my claim and credit without an investigation. Twice. I called in XXXX numbers both times and the associate both times had no answer as to why these obvious unauthorized charged on an old card was denied and stated that resets the clock on the 10 days for the provisional credit while they investigate, I desperately need help. 


Sent with XXXXXXXX XXXX  secure email.

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