Consumer complaint received 2025-05-28 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: MI

Complaint narrative:
Subject : Complaint Against Bank of America for Artificial Transactions and Reordering Practices To Whom It May Concern, I am submitting this complaint to report what I believe to be unfair and deceptive practices by Bank of America regarding the reordering of transactions and the creation of artificial transactions that appear designed to maximize overdraft fees. 

Details of the Issue : Reordering of Transactions : I have observed that Bank of America appears to process my transactions out of chronological order. Specifically, larger transactions are being processed first, regardless of when they were initiated. This practice results in my account being overdrawn more quickly and incurs multiple overdraft fees for smaller transactions that would not otherwise result in overdrafts. 

Artificial Transactions : I have also noticed discrepancies in my account history where certain transactions appear to have been split or manipulated to trigger overdraft fees unnecessarily. These transactions do not align with my spending patterns and seem inconsistent with standard banking practices. 

Specific Examples : On [ XXXX XXXX XXXX ], I initiated a series of transactions : [ Small transaction # XXXX ] for $ [ XXXX ] at [ XXXX XXXX ]. 

[ Small transaction # XXXX ] for $ [ XXXX ] at [ XXXX ]. 

[ Large transaction ] for $ [ XXXX ] at [ XXXX XXXX ]. 

Instead of processing these transactions in the order they occurred, Bank of America processed the largest transaction first, causing the smaller transactions to result in overdraft fees. 

On [ XXXX XXXX XXXX5 ], I identified a transaction labeled as [ purchase advance ], which appears to be split into two separate charges, both triggering overdraft fees.

Financial Impact : These practices have caused significant financial harm, including repeated overdraft fees that I believe could have been avoided if the transactions were processed fairly and transparently. As a result, I have paid approximately $ [ total fees ] in fees that I believe are unjust.

Requested Resolution : A full review of my account and a refund of all overdraft fees incurred due to these practices. 

Assurance that Bank of America will cease reordering transactions and creating artificial transactions in my account. 

Implementation of transparent and fair transaction processing practices to ensure compliance with consumer protection laws. 

Supporting Documentation : I have attached copies of my account statements and transaction history that illustrate the issues described above. Please let me know if additional information or documentation is required. 

Conclusion : I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to protect consumers from these harmful practices. I am available for further questions or to provide additional evidence as needed. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX Thank you very much!

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