Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Subject : Query to Bank of America to validate if below XXXX transactions for XXXX {$2900.00} each, were indeed sent and debited from XXXX XXXX XXXX  account ending XXXX, through XXXX, to our bank account of XXXX XXXX XXXX with XXXX Bank. As we do not have a direct relationship with the tenants bank, due to fiduciary constraints we can not directly connect with Bank of America. 
XX/XX/XXXX XXXX payment to XXXX XXXX XXXX Conf # XXXX XX/XX/XXXX XXXX payment to XXXX XXXX XXXX Conf # XXXX Background : We have a rental contract with XXXX XXXX XXXX under which she is liable to pay the monthly rent of XXXX {$2900.00} on the XXXX ( Fifteenth ) day of each month. She has been regularly late in paying the rent, but in XXXX specific months of XX/XX/XXXX and XX/XX/XXXX we did not receive the funds. She has been paying us through her bank XXXX Bank of America XXXX XXXX payment facility. 

When we checked our XXXX bank account tied to XXXX, we discovered that these XXXX months ' payments were missing. Thus we informed our tenant about missing payments. 
Our tenant provided us with redacted bank statements from her Bank of America account with Bank of America, with explanation that she has paid XXXX in month of XXXX- on XX/XX/XXXX and XX/XX/XXXX and in month of XXXX on XX/XX/XXXX - which are attached to this complaint. 

While her bank account statement shows payments in the month of XXXX on XX/XX/XXXX and XX/XX/XXXX, we only received the payment made on XX/XX/XXXX ( XXXX XXXX XXXX XXXX ). The PDF screenshot of the XXXX payment is attached herewith. The payment made on XX/XX/XXXX is not reflected in our XXXX and bank accounts anywhere. 

For the month of XX/XX/XXXX, her bank statement shows payment on XX/XX/XXXX for XXXX {$2900.00} which is not showing in our XXXX and bank statements. There are no other XXXX Transactions of payment received for {$2900.00} in the month of XX/XX/XXXX. 

We checked these facts with our bank XXXX Bank and have attached our bank statement of XXXX account activity ( from XX/XX/XXXX till date ) in support of our complaint. 

We also met our Personal Banker in person at the bank XXXX. Connects were done with her in person on dates XX/XX/XXXX and XX/XX/XXXX to confirm and support that payments were not received in XXXX Bank. 

The name and contact details of our XXXX Bank associate are as follows : XXXX XXXX | XXXX Private Client | Private Client Banker | NMLS ID XXXX | XXXX XXXX XXXX XXXX, XXXX, NC XXXX | XXXX | T : XXXX. 

We are happy for you to contact her directly in this specific regard. 

We also reached out to XXXX Customer service, however, they advised that they can not trace the transactions based on Bank of America redacted statements, as they dont know if funds were indeed debited from the said bank account from Bank of America XXXX 

Thus, We are asking Bank of America to validate if the payments as stated above on XX/XX/XXXX and XX/XX/XXXX for XXXX {$2900.00} each were indeed sent and debited to the tenants account with them through XXXX to our bank account with XXXX Bank. 

Documents Attached : XXXX. Bank Statement from Tenant - XXXXXXXX XXXX XXXX BOA Account No XXXX XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX. Bank Statement from Tenant - XXXXXXXX XXXX XXXXXXXX BOA Account No XXXX XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX. Email from Tenant dated XX/XX/XXXX regarding complaint she has raised with her bank XXXX Bank of America XXXX XXXX XXXX XXXX - BOA Complaint XX/XX/XXXX XXXX XXXX. XXXX Payment received screenshot for XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX Bank statement PDF for XXXX receipt activity XXXX 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 explanation