Consumer complaint received 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Any charges for XXXX XXXX after XX/XX/XXXX that were outside of our agreement were disputed. On the agreement entered on XX/XX/XXXX, all steps to confirm cancellation of the agreement were completed on XX/XX/XXXX, and aside from any email address listed on the website, all email addresses listed on the website were used to confirm such information, should such notice not be accepted as duly proposed and agreed upon. Thus, the only agreed upon transactions for XXXX XXXX for this account should be two ( 2 ) XXXX monthly fees and the XX/XX/XXXX {$49.00} transaction, aside from a {$9.00} transaction between such dates. I requested that the claim be reopened after learning that XXXX XXXX was allowed to successfully deny that the contract had not been cancelled without submitting supporting documentation to my attention. The information provided for such reconsideration was : Claim # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX  COPIED SUCCESSFUL CANCELLATION OF ACCOUNT PER CONTRACT TERMS -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX XXXX XXXX Date : Sun, XX/XX/XXXX at XXXX Subject : Fwd : Electronic Written Notice of Cancellation of Membership Agreement No. XXXX To : XXXX, XXXX, XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX XXXX XXXX Date : Sun, XX/XX/XXXX at XXXX Subject : Electronic Written Notice of Cancellation of Membership Agreement No. XXXX To : XXXX Good evening, This is written notice that I intend to cancel my membership at the end of the first billing cycle, XX/XX/XXXX. Thus, the payment of {$24.00} scheduled to be deducted on XX/XX/XXXX should be the final payment deducted for services and access rendered at XXXX XXXX nationwide. It is my understanding that the {$49.00} membership fee and applicable taxes will be deducted from my bank account on XX/XX/XXXX, after the end of my first and last billing cycle. Thank you for your attention. 

Respectfully, XXXX XXXX XXXX XXXX ( XXXX ) Cell : ( XXXX ) XXXX Phone appointments only. 
XXXX Notice : This message and any attachments may only be intended for the named and/ or addressed recipient ( s ). Its contents ( including any attachments ) may be legally privileged or otherwise protected from disclosure by law, confidential and/or proprietary information about XXXX, or its customers, which XXXX, does not intend to disclose to the public. Unauthorized use, copying, distribution or disclosure of any of it may be unlawful and is strictly prohibited. The owner of this account assumes no responsibility to persons other than the intended named and addressed recipient ( s ), no responsibility to any persons in cases of unsolicited electronic junk or spam messages sent using the address of this account or use of the account without authorization of its owner, and does not accept liability for any errors or omissions which are a result of email transmission. If you have received this message by mistake, please immediately notify the sender by reply email and confirm that the original message and any attachments and copies have been destroyed and deleted from your system. 

NOTICE THAT UNAUTHORIZED TRANSACTIONS OCCURRED OUTSIDE OF OUR AGREEMENT -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX XXXX XXXX Date : Fri, XX/XX/XXXX at XXXX Subject : Re : Electronic Written Notice of Cancellation of Membership Agreement No. XXXX To : XXXX XXXX, XXXX XXXX, XXXX XXXX Hi! My personal information was misused and the following membership was reinstated retroactively online to deduct such amounts from my bank account. This hasnt been the case on paper statements during my review. Please proceed with the dispute based on my report. I should no longer have a membership. Thank you. 

Respectfully, XXXX XXXX XXXX XXXX On Sunday, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX wrote : -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX XXXX XXXX Date : Sun, XX/XX/XXXX at XXXX Subject : Electronic Written Notice of Cancellation of Membership Agreement No. XXXX To : XXXX Good evening, This is written notice that I intend to cancel my membership at the end of the first billing cycle, XX/XX/XXXX. Thus, the payment of {$24.00} scheduled to be deducted on XX/XX/XXXX should be the final payment deducted for services and access rendered at XXXX XXXX nationwide. It is my understanding that the {$49.00} membership fee and applicable taxes will be deducted from my bank account on XX/XX/XXXX, after the end of my first and last billing cycle. Thank you for your attention. 

Respectfully, XXXX XXXX XXXX XXXX ( XXXX ) Cell : ( XXXX ) XXXX Phone appointments only. 
XXXX Notice : This message and any attachments may only be intended for the named and/ or addressed recipient ( s ). Its contents ( including any attachments ) may be legally privileged or otherwise protected from disclosure by law, confidential and/or proprietary information about XXXX, or its customers, which XXXX, does not intend to disclose to the public. Unauthorized use, copying, distribution or disclosure of any of it may be unlawful and is strictly prohibited. The owner of this account assumes no responsibility to persons other than the intended named and addressed recipient ( s ), no responsibility to any persons in cases of unsolicited electronic junk or spam messages sent using the address of this account or use of the account without authorization of its owner, and does not accept liability for any errors or omissions which are a result of email transmission. If you have received this message by mistake, please immediately notify the sender by reply email and confirm that the original message and any attachments and copies have been destroyed and deleted from your system. 



XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Notice : This message and any attachments are for the intended recipient ( s ) only and may contain privileged, confidential and/or proprietary information about XXXX, or its customers, which XXXX, does not intend to disclose to the public. If you receive this message by mistake, please notify the sender by reply email and delete the message and attachments. 

-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX XXXX XXXX Date : Sun, XX/XX/XXXX at XXXX Subject : Electronic Written Notice of Cancellation of Membership Agreement No. XXXX To : XXXX Good evening, This is written notice that I intend to cancel my membership at the end of the first billing cycle, XX/XX/XXXX. Thus, the payment of {$24.00} scheduled to be deducted on XX/XX/XXXX should be the final payment deducted for services and access rendered at XXXX XXXX nationwide. It is my understanding that the {$49.00} membership fee and applicable taxes will be deducted from my bank account on XX/XX/XXXX, after the end of my first and last billing cycle. Thank you for your attention. 

Respectfully, XXXX XXXX XXXX XXXX ( XXXX ) Cell : ( XXXX ) XXXX Phone appointments only. 
XXXX Notice : This message and any attachments XXXX only be intended for the named and/ or addressed recipient ( s ). Its contents ( including any attachments ) may be legally privileged or otherwise protected from disclosure by law, confidential and/or proprietary information about XXXX, or its customers, which XXXX, does not intend to disclose to the public. Unauthorized use, copying, distribution or disclosure of any of it may be unlawful and is strictly prohibited. The owner of this account assumes no responsibility to persons other than the intended named and addressed recipient ( s ), no responsibility to any persons in cases of unsolicited electronic junk or spam messages sent using the address of this account or use of the account without authorization of its owner, and does not accept liability for any errors or omissions which are a result of email transmission. If you have received this message by mistake, please immediately notify the sender by reply email and confirm that the original message and any attachments and copies have been destroyed and deleted from your system. 


-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX XXXX XXXX Date : Fri, XX/XX/XXXX at XXXX Subject : Re : Thank you for contacting XXXX XXXX 
To : XXXX Member Services XXXX XXXX, XXXX Cc : XXXX, XXXX, XXXX, XXXX On Fri, XX/XX/XXXX at XXXX Vernica XXXX XXXX XXXX XXXX wrote : Good morning, Thank you for your response. I received notice this evening from Bank of America that cancellation was not accepted as agreed upon. This change occurred months after the fact and was retroactively changed without notice. I request that the matter be handled in an ethical and professional manner, rather than this illegal change. The Bank claims that it is a total of {$280.00} that XXXX XXXX has retroactively applied. Thank you. 

XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX, CA ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX, CA ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) ( XXXX ) XXXX NEVER CHECKED IN ON XX/XX/XXXX AND CANCELLED BY XX/XX/XXXX THIS IS WHERE XXXX XXXX COULD NO LONGER LOCATE AN AGREEMENT TO CANCEL. THE AGREEMENT HAD ALREADY BEEN CANCELLED BY THIS DATE. THE AGREEMENT WAS CANCELLED ON XX/XX/XXXX. 
-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Wed, XX/XX/XXXX at XXXX SubjecXXXX XXXX XXXX XXXX Membership To : XXXX XXXX Hello XXXX, I received an email regarding your request to freeze. However, I was not able to find you in our system. 

I used your name and email address to look up your membership. By chance, could you provide me with an agreement number or phone number? 

Best Regards, XXXX  Building communities through XXXX XXXX XXXX XXXXXXXX | General Manager + Team Player XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( o ) XXXX ( XXXX ) XXXX an independently owned and operated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL STEPS WERE COMPLETED TO SUCCESSFULLY CANCEL THE MEMBERSHIP BY XX/XX/XXXX. THE MESSAGE WAS SENT TO THIS ADDRESS IN ADDITION TO ASSURE THAT THE COMPANY RECEIVES THE NOTICE DESPITE ANY INTERFERENCES WITH US MAIL OR ELECTRONIC MAIL. 
-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX XXXX Date : Mon, XX/XX/XXXX at XXXX Subject : RE : Contact Form To : XXXX XXXX Hello, Thank you for contacting XXXX XXXX XXXX. 

XXXX XXXX  XXXX XXXX is operated by a third party for further assistance regarding your inquiry. You may visit XXXX  to find your club location phone number. The Club nearest you will be able to assist you with any membership questions. You may also contact XXXX XXXX XXXX Headquarters via this link XXXX XXXX XXXX  or call them at XXXX. 

If you have any other questions or concerns, please feel free to contact us at XXXX. A customer service representative will be available to assist you Monday through Friday, XXXX - XXXX XXXX XXXX XXXX XXXX 


Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXXXXXX XXXX -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : XXXX XXXX XXXX XXXX XXXX XXXX ] Sent : XX/XX/XXXX, XXXXXXXX XXXX To : XXXX Subject : Contact Form CAUTION : This message was sent from outside your email system. Please be careful when clicking links or opening attachments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Name XXXX XXXX XXXX XXXX Email XXXX Phone XXXX Message -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX XXXX XXXX Date : Sun, XX/XX/XXXX at XXXX Subject : Electronic Written Notice of Cancellation of Membership Agreement No. XXXX To : XXXX Good evening, This is written notice that I intend to cancel my membership at the end of the first billing cycle, XX/XX/XXXX. Thus, the payment of {$24.00} scheduled to be deducted on XX/XX/XXXX should be the final payment deducted for services and access rendered at XXXX XXXX nationwide. It is my understanding that the {$49.00} membership fee and applicable taxes will be deducted from my bank account on XX/XX/XXXX, after the end of my first and last billing cycle. Thank you for your attention. 



Contact Us| XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX WA XXXXXXXX XXXX XXXX XXXXXXXX : :

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