Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was at work and was trying to buy an energy drink from a vending machine my card declined and I said maybe the vending machine is acting up again its happened before I usually cancel the vending machine order and scan again so I did that and my card doesnt decline so I thought nothing of it i usually just tap to pay with my phone the next day it happens again and this time it wont accept my card so I switched to my credit card from the same bank and it worked I thought huh okay maybe something wrong I then check my account through my bank app and I see negative XXXX XXXX dollars I instantly try to dispute all the charges is see witch are for XXXX XXXX called XXXX after work I call and open a claim the guy who assisted me opened my clame via phone call and said okay your calling about disputing some charges and I said yes there are XXXX transactions for XXXX each for XXXX XXXX dollars plus another one for the amount of XXXX XXXX dollars he said I see yea that name sounds sketchy and weird and he then says do you have your card with you I say yes and I then check my wallet and I dont have my card I say one moment to look around and then I say I dont have my card I thought I did but I dont he then said okay whens the last time you used your card I said the last time I remember was in XXXX or XXXX last year XXXX at an atm he said okay dose anyone have access to your card or bank I said no not my family not my friends no one he said thats weird because it shows thats transferring/withdraws are for XXXX XXXX I said I dont use XXXX XXXX to Transfer money I use tap to pay on my XXXX but not XXXX XXXX he said okay thats weird we then start to count how many charges there are and I see theres a check that was being deposited in my account for over XXXX XXXX dollars in my account I told him yea that is not me not my check you can see theres history of all my checks they are all from my job and its direct deposit he said I see that here yea thats weird it looks like are symptom flagged the check before the rest of that check was deposited and I said is that what caused my account to go negative he said yes it looks like when part of the check was deposited the money was transferred and when are symptoms flagged it and the checks balance was bounced back it caused your account to go negative and I said when was the check deposited because I work all week days I work XXXX hours shift and he said Monday on the second of XXXX and part of that check was deposited on the XXXX of XXXX and I said that wasnt me and I saw the check was deposited in a location thats XXXX miles away from me and I told him thats not my address my address is the XXXX on file with my account Ive never been in that area and he said thats odd because it shows that this check was deposited in the bank in person and I said what time I was working on that day again a XXXX hour shift and he said I dont have a time stamp but I have the date and I said i never deposited that check and Ive never deposited a check near or even close to that amount of money and that I cat pay that negative XXXX XXXX dollars and he said no i understand heres what where going to do Im going to make this calm for you and get you a new debit card so no other charge can be made or added I said okay thank you after that day i waited and waited and had no response or update I called them again because after checking my bank every day I saw nothing was available for my debit card account they said we are closing your account the next day I get my new debit card and cant activate it so I call and ask for help and they told me we have decided to close your account due to the activity on your account and I said can I open a new one then and the guy who assisted me said very rudely nah its final we are closing your account get a new bank and I said I dont want a new bank Ive banked here since I was a minor Ive never bank anywhere else how can I pay for my bills and credit card he said lie I said just get a new bank and I said so theres nothing I can do he said now its are policy you agreed when you opened this account at the beginning theres nothing you can do you cant open any other future account with us and I said why that I didnt do anything to cause this that just because fraud was done on my account that I didnt cause your just going to not be my bank he said its are policy and its final just get a new bank. Today I get an email stating that due to the account history and statements that they are closing this claim that either I gave the approval of theses transactions or something who had access to theses transactions approved them and that they will not be disputed and that if I want to see the documents they used to determine that I can call them I cat pay that kind of money I dont have that kind of money and I never deposited that check I even told them when I called them I have my id my social security number card my passport my birth certificate to show and proof I am who I say I am and that how come when they deposited thats check they didnt check if that was me that when I opened my account I used my id I never deposited thats check check I never walked in and deposited that check I dont have nor have ever walked in and deposit a check near that amount ever I dont now what to do I dont know why they dont look at the cameras they have I told them that the day I opened the claim that why dont they look at the cameras if they said somebody walked in to deposit this check

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