Consumer complaint received 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
In XX/XX/year>, I called Bank of America to ask the correct way to transfer funds from my credit union account into my BofA checking. There had been problems in the past with transfers that resulted in BofA charging me money, so I was checking on the correct method. I also asked them for my account number, so that I could make sure it was deposited to the right account. I took the account number that BofA provided for me to Oregon XXXX XXXX XXXX and they set up the $ 250 monthly transfer using the method that BofA recommended. About 3 months later, I noticed that no money had appeared in my BofA account. I verified with XXXX that they had sent the money. I contacted both banks and neither could locate the {$750.00}. Over the phone, I asked XXXX to stop the payments. ( The next month, I verified that the payments were stopped ). XXXX says that since they sent the money to BofA, they would not be able to recover it. I talked to BofA many times over the phone, every time getting a different department and had to explain the situation over and over again. They finally decided that I needed the fraud dept. They finally opened a case for me and a few weeks later sent me a letter saying that they found no fraudulent transactions. There was no mention of the missing money. At this point, I put it on the back burner and figured that I would never see my {$750.00} again. 
Early this year, I noticed a {$250.00} transfer from XXXX to BofA. In XXXX, I went in to XXXX to ask about this transfer and discovered that the payments had only been paused and had restarted after XXXX month. I unfortunately had mistaken these as payments to my BofA credit card. This time I complained to OSCU that they needed to recover this money because their folks were supposed to stop these payments. They once again said that they could not. They walked me thought canceling the payments again ( on the app ) and I followed their instructions, in-person working with their employee. They provided me with the account number the money was sent to and said that I should talk in-person to a XXXX at BofA. I did this and we figured out that the account number they had provided me with was my VERY OLD credit card number. So the bank said they would need to transfer my case the the credit card division. We talked to them on the phone and they opened a case. A few weeks later, I got several letters saying that they did not find any deposits and no recourse was offered. 
In the meantime, the payments stopped once again for only XXXX month and restarted. I complained to XXXX once again and they said that I was supposed to delete BofA as a payee in my account. I argued that they should have told me to do this the XXXX other times I asked for their help. I finally think that the payments have stopped but I have lost about {$3000.00} that no-one seems able or willing to find. How can I trace where this money went and get it back?

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