Consumer complaint received 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Last Friday XX/XX/XXXX, I noticed another transaction debited from account from XXXXXXXX XXXX  as I already informed BOA in XXXX XXXX XXXX  I DID NOT AUTHORIZE since XXXX, BOA has allowed this company to continue taking funds out of my act. I allowed it in XXXX, reported to BOA AGAIN in XXXX and after speaking with rep, he was rude and refused to acknowledge and assist by blocking the amount to clear, next 2 days/XXXX XXXX  WITHOUT INFORMING ME, THEY CREDITED IT BACK TO my account. While they had records of this info, again XXXX AGAIN XXXX for {$110.00} SAME AMT came in as I called BOA spoke with rep of this issue as he stated it would take 24hrs to credit back which would be Sat. " Rep lied '' as that Sat transaction cleared. Its now Monday XX/XX/year> no credit back to my act. I called spoke with " XXXX '' a so called manager with BOA as she refused to assist and credit my act, spoke with another incompetent BOA rep " XXXX '' as he didn't know what to do, and spoke UNCLEARLY as BOA expects me to understand this person and I have to spend hours to get assistance bc they have a full load of reps that intentionally speak " UNCLEAR XXXX '' ... BOA refuses to help their customers! these ppl are unknowledgeable and refuse to assist. I have requested for BOA remove this company from accessing my act and debiting funds as they refuse to assist and allow it to happen. BOA 's mission is sit on it FOR 60days and state they did nothing wrong and go about their their sorry SCAM & FRAUD business to allow funds taken from customers so they can CLOSE this issue while CFPB allows them to get away with it. Just calling BOA takes over 30 min just for a rep to answer and they will blow you off to get rid of you and tell you anything, including lies to get you off the phone. It doesn't take 60 days to resolve this issue and in the mean time, I don't have access to my own money and causing my act to go into a overdraft is nothing but a set up by BOA and they refuse to help and or assist in placing the funds back to my act. BOA hiring reps that don't speak CLEAR XXXX & placing all customers on hold a min of 30 min speaks for itself-they CAN DO BETTER, they chose not to ..their intent is most customers wont sit for 30 min, or listen to foreigners speaking broken XXXX so they don't have to deal or assist customers.. A VIOLATION and refusal to assist. They continue to allow my act to go into a negative and see screen shot-not supposed to charge me overdraft fees but they did! THREE VIOLATIONS! CFPB how many time are you going to allow this low down financial institution to rip off and charge additional fees and allow my act to go negative? How many times? While they got a class action re OD fees, Im a part of it but why WAS i NOT ADDED TO THIS LAW SUIT pAYOUT? boa CONTINUES TO BENEFIT FROM ME BY ALLOWING UNAUTHORIZED TRANSACTIONS AND ACCESS TO PLACES/BANKS WHEN i INFORMED IN WRITING AND VERBALLY TO NOT GIVE ACCESS ... ANOTHER VIOLATION ... WHEN DOES IT STOP? Why are they still in business and not fined for 85 % Deception/Blow you off/LIARS is their name.

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