Consumer complaint received 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am extremely dissatisfied with the services of Bank of America and their unwillingness to except my claim through the claims department because I didn't write the claim # on 3 out of 30 pages. BOA failed to keep their promise and gaurantee stated in the Advantage SAFEBALANCE Banking account which was carefully chosen by myself to avoid overdrafts. This type of account costed more than your basic checking account. I paid them monthly to be protected and they did not protect me. This complaint involves XXXX claims including both my debit and secured credit card accounts. Debit Card Claim # XXXX and Secured Credit Card Claim # XXXX. This claim also involves XXXX and the unauthorized charges to both of these cards towards a rental car. I would like to add that I was trying to establish or build my credit during this time and obtained a line of credit with BOA for a secured credit card. Additionally, I was under the impression that XXXX only charged a deposit when using a debit card as a form of payment. The use of a credit card did not waive the security deposit fee in my case though. On XX/XX/2023, I extended my credit line from $ XXXX {$700.00} and went to XXXX  located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX to rent a car. I gave them my credit card to be used for the first initial rental agreement payment of {$590.00} which covered a {$300.00} security deposit and & XXXX for a rental vehicle from XXXX. I made it very clear that my credit card was not to be used or charged for anything else or any other amounts. They asked to put another card on file for payment so I gave them my debit card. This rental began on XX/XX/2023 and ended on XX/XX/2023. The rental agreements covered the rental through XX/XX/2023. Basically, the employees at XXXX  were treating my debit card as if it were a credit card and placing authorized holds on the funds instead of collecting the funds and I was assuming I was being charged each time I extended the rental per our phone conversation and email notifications from BOA. Long story short, XXXX let these charges pile up and tried to debit my account for {$5400.00} which caused my checking account to be overdrafted, my account was eventually closed, my attempt at improving my credit worsened, hindered my financial stability and options for banking locally. I was turned down by several local banks for opening up a checking account and I have a balance at XXXX and can no longer rent a vehicle. The documentation I have will give you a better understanding of this information and I also have recorded audio from when I went to XXXX  personally and met with XXXX XXXX and we called Bank of America to address the issue at hand. During that time, and as a result of our phone call to my bank, the fault was mostly placed on XXXX due to their misuse of a debit card and lack of staff training. XXXX apologized on their behalf and and said she would see what she could do. I then received a letter from XXXX XXXX, XXXX  Area Manager, offering a {$500.00} credit towards the balance owed. I tried to make a claim with Bank of America for both cards and they didn't process it.

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