Consumer complaint received 2025-03-10 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: NV

Complaint narrative:
I am in the process of producing a packet for you and everyone involved in which, I will send to you, the XXXX XXXX and etc. last week, I bought a vehicle from XXXX XXXX, here in then ; as XXXX area. We came to an agreed contract in which I was going to wire the money for the vehicle and in return I would receive a XXXX XXXX XXXX XXXX  XXXX on XXXX. So we understand, in our capitalist economy, I as the consumer have a contract with a XXXX car dealership and in return for the agreed upon funds, the merchant would give the consumer the vehicle agreed upon. I went on the Bank of America XXXX application, in which, I attached to this proof of all of that. My letter that I am sending you is more in detail but you can ask any Bank of America employee, in order to have a wire go through when using the application, on the last page of your wire transfer, Bank of America has you put in your debit card number, expiration date, XXXX digit code and also your DEBIT CARD PIN NUMBER. As you can see from the attached pictures, I put in my PIN number, it was the correct PIN number hence processing and beyond. The car dealership has their main bank account in XXXX XXXX. The car is beautiful, only one issue. From your knowledge, would any car dealership, just give a car away? Can you legally steal a vehicle, right off the lot? So, I take it theres an understanding that in order for me to have the vehicle, the wire not only had to go through, their main bank had to verify that the money came through. I picked up my vehicle and here in XXXX, the dealer has to transmit some codes to DMV, in order for dmv to know that they fully got paid for the vehicle. When I picked up my car, the dealer themselves put on a temp license plate registered with dmv. They moved vehicles, so that I could get out of the parking lot. One day passes and they inform me that Bank of America took back the money and then XXXX min after talking to them, I get a text from Bank of America saying your wire, we dont feel like it. Ask Bank of America why they did this? Suspected fraud. - that idea goes in the trash when you find out, yes, he had to put in his debit card pin, yes it went through and well the dealer got their money and then, not..us government, I attached my job and myself, cops, are their not jobs that for whatever reason/s I cant have an id? Is the money in my bank accounts whether I have id or not my money? The thought of suspicious fraud is XXXX XXXX actually fraud, you know innocent till proven guilty and that term, reasonable expectations and before they or you go wa wa how does Bank of America get those you know withdrawal cash sticking together, oh really the us govt provides Bank of America us currency so that Bank of America can make profit. No run their business, no bankofamerica.com speaks for itself as does XXXX  and every other dot com known to man. Back to oh Bank of America also locked me out of my accounts, so even when I tried to verify, they oh and you go to a branch and they call I dont know corporate security to verify me and those ppl dont even work for Bank of America , they dont work for the us govt and they decide on whether to verify me or not. At the same time, I have a couple of online only brokerage accounts. No physical anywhere. Those places also verify but how do they do it. Through facial recognition. Hold on no one can tell Bank of America how to run their, us govt can but I have an XXXX. Under the wallets on my XXXX, I have both my debit and credit card via Bank of America. Now Bank of America authorized my cards on my XXXX wallet application. Whenever Id use my debit card, who needs PIN number, you use your wallet application and it verifies via facial recognition. You use any XXXX, XXXX application, you turn the phone on and how does it verify oh facial recognition. So us government, I know youll sent this? m,, oh these people you call that Bank of America says their employees, get an email address, XXXX not XXXX. What is going on us govt, verify me their XXXX lying getting personal info you know what, either I am cia.gov or not and us govt, Bank of America is a cia.gov national security threat. How is govt deals with my issue Ive explained how Bank of America does up to them

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