Consumer complaint received 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Please be advised this complaint is regarding Bank of America and XXXX I purchased two 6 inch full sized memory foam mattresses in a box from XXXX. The mattresses are not six inches. ( please see photos below. I truly feel The merchant was participating in false advertisement. 

I reached out to XXXX and was advised that I would be contacted regarding return process for this type of online purchase. but never did. 

I disputed the charge with Bank of America ( BOA ). Funds were returned. Then after I filed a complaint on BOA funds were charged back to my account and BOA as usual sided with the merchant. 

The mattresses were purchased online at XXXX and advertised as 6 inch mattresses.

Bank of America is participating in unfair and deceptive practices related to consumers right to the dispute process. 

As stated previously BOA not allowing me to file my own disputes in my own word via their app or online as advertised. I feel BOA is forcing me to file disputes by phone with their representatives/employees so they can write it up in such a way to favor the merchant. This is so unfair. BOA advertises that I have the write to do it myself, but has never allowed me the opportunity. See photos of message stating I have to call for disputes &, but advertisement by BOA that this service is available to me. This is so unfair and deceptive. 

These items were shipped in a box and once they are unboxed they inflate. They will not fit back into original box. A commercial van/Truck is needed for return. XXXX rep at XXXX number advised someone would contact me with instructions. They never did. XXXX has been allowed to rip consumers off with defective merchandise. This merchandise is not what was advertised. Mattresses are about 4 inches. 

Bank of America has been very deceptive and unfair towards my family. My son and daughter also have BOA. Please investigate this bank. 

To date Bank of America has my account overdrawn by {$220.00}. They reversed the charges from the dispute in the amount of {$230.00}. See photos. Please be advised every time BOA victimized, scams, or treats me unfairly I will file a report every time until it stops. So we will go back and forth forever. I am tired of all the victimization and business crimes in XXXX Florida. I feel companies like this are abusing and bullying certain consumers. BOA dispute process is unfair.

I will be filing another complaint regarding issues with Bank of AMERICA credit card services. 

I FILED A COMPLAINT WITH THE CFPB ON BANK OF AMERICA ( BOA ) ON XX/XX/year> COMPLAINT # XXXX. THIS COMPLAINT WAS IN REGARDS TO BOA unfairly/deceptively restricting my usage of my debit card. and denying me the right to take my daily limit amount of funds from the ATM. Bank of America responded to this complaint with a secured letter that I could not open or read. ( See Attachment ). Why would they need to send me a secured complaint response letter via email? What are they hiding? Perhaps they do not want it known online that they have complaints? That secured letter probably did not address or rectify the issue. I feel this so called secured letter us a tactic to interfere with my complaint process to make it seem as if they tried to resolve the issue, but has done nothing but retaliate. In fact I feel they have been retaliating against me ever since CFPB closed complaint # I also feel this company is very XXXX, and are racially profiling XXXX customers by denying them access to their own funds, causing public embarrassment, and are violating customers rights with the dispute process. 

I THINK CFPB SHOULD DO A REAL FAIR INVESTIGATION INTO BANK OF AMERICAS UNFAIR AND DECEPTIVE BUSINESS PRACTICES TO SEE HOW MANY CONSUMERS MADE PURCHASES AT XXXX USING A BANK OF AMERICA DEBIT CARD/CREDIT CARD, DISPUTED CHARGES REGARDING DEFECTIVE, BROKEN, OR FALSELY ADVERTISED MERCHANDISE, AND WERE DENIED RETURN OF THEIR FUNDS. 

I have noticed a difference with my other debit cards. I really think these businesses know when you make a purchase using BOA as a form of payment they can get over and get by. These rich powerful merchants/bankers should be ashamed, but theyre not ; perhaps this is how they became wealthy and powerful, Consumers/Citizens like myself that reside in XXXX Florida, especially XXXX XXXX XXXX Florida ; Are being ripped off by XXXX XXXX companies at an alarming rate. Business crimes are at an all time high. Please help expose these companies

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