Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #13563533
Complaint Overview
Complaint ID: 13563533
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: Oklahoma
ZIP Code: 74012
Date Received: 2025-05-16T12:00:00-05:00
Date Sent to Company: 2025-05-16T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Since XX/XX/XXXX, XXXX has been charging {$29.00} per month for a " XXXX '' subscription I never knowingly signed up for. A total of {$350.00} has been withdrawn directly from my Bank of America checking account via ACH. I authorized XXXX to access my account only for transaction purposes, not for subscriptions. I received no emails, invoices, or alerts from XXXX and did not use my XXXX account during this time. I contacted XXXX via their support chat and asked for a refund. They refused to issue a refund or provide documentation of my consent to the subscription. I discovered these unauthorized charges only by accident in XX/XX/XXXX, because Bank of America never notified me about these recurring withdrawals. These charges were buried inside regular monthly account statements and were not flagged or made visible as recurring subscription payments. I then filed a dispute with Bank of America. Initially, they refunded 2 months, but later reversed the refund, stating that XXXX provided proof of authorization. However, the only documentation shown was a general ACH account connection from XXXX, not a valid authorization for a recurring subscription in XXXX. No consent screen, IP address, timestamp, or device identification was provided. On XX/XX/XXXX, I faxed a formal second-level dispute letter to Bank of America requesting escalation under Regulation E. I respectfully request a full refund of {$350.00} for these unauthorized charges and appropriate regulatory review.
Frequently Asked Questions
What is Complaint #13563533 about?
Complaint #13563533 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 2025-05-16T12:00:00-05:00.
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.