Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
bank of America is in clear violation of ( FCBA ) Fair Credit Billing Act Automated Clearing house ( ACH ) Federal Trade Commission 's Act ( FTCA ) Electronic Fund Transfer Act ( EFTA ) Uniform Commercial Code ( UCC ) Fair Credit Reporting act ( FCRA ) Nemours times i have requested in writing form for different department proof of Authorization on ACH Transactions and EFT on my bank of America account and they still have not supplied it do to the fact that they can not furnish one i add ive demanded detailed transaction transcripts and they refuse to supply them they only send minimum when asked how many account i held on XX/XX/XXXX i was told three when i asked about third account i was told i had two checking and a savings then when i called in again for another question i had i was told its two savings and a checking account when i asked who authorized the 3 rd account hey said they opened it in XXXX of XXXX do to suspicion of fraud on my checking account so they closed it and turned my savings in to a checking and opened a new savings with out my permission they never closed any of the accounts till XXXX of XXXX the new account they opened they put XXXX dollars in and then took XXXX out of it and ll it says its to related account they changed change my name on the account your info is electronical stored so we statements are printed the name should appear the same every time no one month XXXX XXXX XXXX XXXX next Month XXXX XXXX XXXX which means they where altering statement there a transaction two days apart different amount but same transaction I D they where holding back transaction by two to three days beyond the 72 hour normal post time to constantly keep account over drawn they allowed enormous transaction and and flagged one by there monitoring system but yet lock me out of account over a XXXX dollar gas station purchase they purposely aided none employees to my account information i received a text from a lady in XXXX laughing saying how's it feel to be broke that her friend who is an manger of finance at bank of America gave her all the info she need there no way made transaction at a venue if i was XXXX miles away when reported to bank of America all i got was literally blah blah blah hangs up phone i send proof i was out of town they do not want to investigate cause of the fraud and misrepresentation of there institution Bank of America Cleary neglected and abused my account and i believe that it was an employee in one of the management offices and they where behind bottle blonde and one of its employees to take all my money and they took advantage of my XXXX and to the fact that i suffer from XXXX XXXX XXXX XXXX and bank of America is trying to cover it up and i pray that the government and all its regulations will step in and put a stop to this because they stole over XXXX  a XXXX dollars from me and who knows who else bank of America failed to obtain proof of authorization on two separate achs s that where fraud XXXXXXXX  XXXX and XXXX for XXXX dollars they failed to monitor my account which was trusted in them or they just didn't care

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