Consumer complaint received 2021-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America has continuously placed fees on my account for simply being low and having autodraft on. When they could not legally continue to place overdraft fees on my account, they instead resorted to " return payment fees. '' I believe I had paid more than {$300.00} in fees simply because my balance is low. The practice is predatory and intended to set into action a chain of events that cycles over and over into multiple fees that keep an account continuing to provide them exorbitant fees simply for giving them my money. It's disgusting and instead of adhering to the spirit of the law that has been established to protect consumers, they're simply using loopholes to continue to collect these fees. 


Show additional information for activity type bank charge XXXXNSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING ... activity type bank charge status type icon cleared Cleared. Select to mark activity type bank charge XXXX NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING ... as Reconciled XXXX XXXX XX/XX/2021 Show additional information for activity type other payment XXXX XXXX XXXX : ACH PMT WEB activity type other payment status type icon pending Processing. Select to mark activity type other payment XXXX XXXX XXXX XXXX : ACH PMT WEB as Reconciled XXXX XXXX XX/XX/2021 Show additional information for activity type credit XXXX OF POSTED CHECK / ITEM ( RECEIVED ON XXXX ) ELECTRONIC TRANSACTION activity type credit status type icon cleared Cleared. Select to mark activity type credit XXXX RETURN OF POSTED CHECK / ITEM ( RECEIVED ON XXXX ) ELECTRONIC TRANSACTION as Reconciled XXXX XXXX XX/XX/2021 Show additional information for activity type bank charge XXXXNSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING ... activity type bank charge status type icon cleared Cleared. Select to mark activity type bank charge XXXX NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING ... as Reconciled XXXX XXXX XX/XX/2021 Show additional information for activity type other payment XXXX XXXX XXXX : RETRY PYMT WEB activity type other payment status type icon insufficient Insufficient funds. Select to mark activity type other payment XXXX XXXX XXXX XXXX : RETRY PYMT WEB as Reconciled XXXX XXXX XX/XX/2021 Show additional information for activity type credit XXXXRETURN OF POSTED CHECK / ITEM ( RECEIVED ON XXXX ) ELECTRONIC TRANSACTION activity type credit status type icon cleared Cleared. Select to mark activity type credit XXXX RETURN OF POSTED CHECK / ITEM ( RECEIVED ON XXXX ) ELECTRONIC TRANSACTION as Reconciled XXXX XXXX XX/XX/2021 Show additional information for activity type bank charge XXXXNSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING ... activity type bank charge status type icon cleared Cleared. Select to mark activity type bank charge XXXX NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING ... as Reconciled XXXX XXXX XX/XX/2021 Show additional information for activity type other payment XXXX XXXX XXXX : ACH PMT WEB activity type other payment status type icon insufficient Insufficient funds. Select to mark activity type other payment XXXX XXXX XXXX XXXX : ACH PMT WEB as Reconciled XXXX XXXX XX/XX/2021 Show additional information for activity type deposit XXXX XXXX XXXX : XXXX XXXX ... activity type deposit status type icon cleared Cleared. Select to mark activity type deposit XXXX XXXX XXXX ... as Reconciled XXXX XXXX XX/XX/2021 Show additional information for activity type credit XXXXRETURN OF POSTED CHECK / ITEM ( RECEIVED ON XXXX ) ELECTRONIC TRANSACTION activity type credit status type icon cleared Cleared. Select to mark activity type credit XXXX RETURN OF POSTED CHECK / ITEM ( RECEIVED ON XXXX ) ELECTRONIC TRANSACTION as Reconciled XXXX XXXX XX/XX/2021 Show additional information for activity type bank charge XXXXNSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING ... activity type bank charge status type icon cleared Cleared. Select to mark activity type bank charge XXXX NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING ... as Reconciled XXXX XXXX XX/XX/2021 Show additional information for activity type other payment XXXX XXXX XXXX ... activity type other payment status type icon insufficient Insufficient funds. Select to mark activity type other payment XXXX XXXX XXXX XXXX : ... as Reconciled XXXX XXXX XX/XX/2021 Show additional information for activity type bank charge XXXX ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING DATE ... activity type bank charge status type icon cleared Cleared. Select to mark activity type bank charge XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING DATE ... as Reconciled XXXX XXXX XX/XX/2021 Show additional information for activity type other payment XXXX. XXXX XXXX XXXX : XXXX. activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX XXXX XXXX XXXX : ... as Reconciled XXXX XXXX XX/XX/2021 Show additional information for activity type bank charge XXXX ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING DATE ... activity type bank charge status type icon cleared Cleared. Select to mark activity type bank charge XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING DATE ... as Reconciled XXXX XXXX XX/XX/2021 Show additional information for activity type other payment XXXX DRAFT XXXX : activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX DRAFT XXXX : ... as Reconciled XXXX XXXX XX/XX/2021 Show additional information for activity type other payment XXXX XXXX XXXX XXXX activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX XXXX XXXX as Reconciled XXXX XXXX XX/XX/2021 Show additional information for activity type bank charge XXXX Payment Fee activity type bank charge status type icon cleared Cleared. Select to mark activity type bank charge XXXX Stop Payment Fee as Reconciled 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 monetary relief