Consumer complaint received 2026-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
This complaint concerns a new and separate unauthorized offset transaction that occurred after I had already filed CFPB Complaint No. XXXX against Bank of America . 

On XX/XX/year>, Bank of America debited {$4000.00} from my personal checking account under the description : Offset payment to acct XXXX. 

This XX/XX/year> transaction was not included in my original CFPB complaint because it occurred after that complaint had already been submitted and transmitted to Bank of America. 

This is therefore not a duplicate complaint. It concerns a new transaction and a material continuation of the same disputed conduct while Bank of America was already reviewing my initial complaint. 

The history is as follows : XX/XX/year> Offset payment to account ending XXXX {$2200.00} XX/XX/year> Offset payment to account ending XXXX {$4300.00} XX/XX/year> Offset payment to account ending XXXX {$2600.00} XX/XX/year> Offset payment to account ending XXXX {$4000.00} The total amount Bank of America has now removed from my personal checking account through these disputed offset transactions is {$13000.00}. 

The XX/XX/XXXX transaction is particularly serious because it occurred after : XXXX. I had disputed the prior offset transactions in writing ; XXXX certified correspondence had been sent to Bank of America ; XXXX. CFPB Complaint No. XXXX had been filed on XX/XX/year> ; XXXX the CFPB had transmitted that complaint to Bank of America XXXX and XXXX. Bank of America had stated that it was reviewing the matter. 

Despite having actual notice that I disputed its authority to use my personal checking account to satisfy these obligations, Bank of America proceeded with another offset of {$4000.00}. 

The offset appears to have been applied to a credit card account associated with a separate business entity or LLC. My personal checking account is legally separate from that business entity. 

I did not authorize Bank of America to withdraw {$4000.00} from my personal checking account on XX/XX/year>. 

I have not been provided with any signed personal guaranty, cardholder agreement, credit application, security agreement, account-linking agreement, or other document establishing that I am personally liable for the business account ending in XXXX or authorizing Bank of America to debit my personal account. 

Bank of America has also failed to provide a satisfactory written explanation identifying the contractual authority relied upon for these repeated offsets. 

I request that the CFPB treat this complaint as a new complaint concerning the separate XX/XX/year> transaction, while also considering the prior complaint and the continuing pattern of disputed withdrawals. 

I am attaching : A screenshot showing the XX/XX/year> debit of {$4000.00} ; The corresponding bank account record or statement ; A copy of CFPB Complaint No. XXXX ; Copies of prior written disputes sent to Bank of America ; Certified mail receipts and delivery confirmations ; Copies of prior offset notices and account records. 

Bank of America should be required to explain why it continued to remove funds from my personal account after receiving notice of the dispute and while the prior CFPB complaint remained open.

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