Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #10608038
Complaint Overview
Complaint ID: 10608038
Company: Bank Of America, National Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
State: Florida
ZIP Code: 32526
Date Received: 2024-10-28T12:00:00-05:00
Date Sent to Company: 2024-10-28T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally complain about a series of unauthorized charges on my Bank of America account, totaling {$350.00}, which have caused significant financial strain for me and my family. Since becoming a member in XXXX, I have had no issues until now. Recently, I was charged {$89.00} for a XXXX subscription that I did not authorize. After contacting XXXX, they advised me to reach out to my bank for resolution. Although I received a temporary credit on XX/XX/XXXX, my claim was denied on XX/XX/XXXX, with the reason stated as a recurring charge. This is false, as I had never authorized any such recurring payment. Additionally, I was charged {$15.00} monthly for an XXXX XXXX membership that I had already canceled. After discovering that the account was linked to my XXXX daughter 's email, I assumed it was resolved. However, I continued to see these charges on my account. Despite my efforts to rectify this directly with XXXX, they confirmed that I had no ongoing membership. Throughout this process, I have repeatedly contacted both XXXX and Bank of America for assistance. I was initially provided a credit of {$250.00}, which was later denied based on the claim being considered delayed. I was informed that my claim was denied because the transactions were deemed authorized by me or someone I allowed to use my card. I find it deeply disappointing that Bank of America would allow such significant funds to be removed from my account without proper verification or support, especially when I have clearly stated that these transactions were not authorized. As a single parent with XXXX children, this has put me in a difficult financial situation, leaving me with no funds until my next pay period. I request that you investigate these charges and reconsider the denial of my claims. It is imperative that I receive a fair resolution in this matter. Thank you for your attention to this urgent issue
Frequently Asked Questions
What is Complaint #10608038 about?
Complaint #10608038 was filed against Bank Of America, National Association regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2024-10-28T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Bank Of America, National Association?
Yes, visit the Bank Of America, National Association company profile at readthecomplaint.com/company/bank-of-america-national-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.