Consumer complaint received 2024-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XXXX of 2018, there was an unauthorized charge to my debit card of my business checking account at Bank of America. It was a new account about 30 days old. I didn't see this until XXXX of 2018, as I don't regularly check that account because there is not much activity on a monthly basis. It was charged by a " plumbing company '' from XXXX XXXX with a phone number listed on the charge. Phone number was fake. this was a large amount, {$2700.00} and change. I have to dig out the details and can provide at a later date. I immediately called BOFA and reported the fraudulent charge and First they said that they'd be happy to refund me the $ XXXX back into my account. I said, no, that is {$2700.00}! Then I was told that that amount would have to be " escelated ''. Then they told me that they would look into it. Not three days later, I received a form letter telling me that the charge was legit to a legit company. Clearly, they didn't look into it at all. Whoever I spoke to on the phone at that time simply pressed a button to send out a generic, " too bad for you '' letter. I called customer service again to tell them that, it indeed was fraudulent and that simply dialing the phone number listed on the debit would bring you to a disconnected number to prove it. I was told by a very nice person that there is a window of 60 days to report such a thing and that I was very close to it so she would report this and get back to me. She seems like she was going to get it all straightened out. I received another " too bad for you '' letter in the mail. Next I went into the local branch in XXXX, Tx and brought up the whole matter. Managers got involved. Supposedly it was going to get fixed. I could not afford to lose that amount. It is a lot of money to regular people ; not so much BOFA. It didn't get fixed. I went back in a second time, got managers to get someone on the phone and we dealt with it for at least an hour and the department on the speaker phone finally came back and said they could not do anythign for me. it was a legitimate charge and they will not refund me that money. I got angry at that point and told asked the branch manager how he would feel if this happened to him. I guess he didn't like that and so he put notes in my computer system, which I saw at a later time when making a deposit. He wrote, " Rude and difficult customer ''! I kept all my accounts open for a long time, despite the fact that I hated working with them after this. This still boils my blood. Then, recently someone told me I could report it to the CFPB. BOFA rips people off regularly. I hope that you can right this wrong. I can supply documentation and bank statements, etc. related to this, I just don't have a scanner right now while trying to submit this complaint.

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