Checking or savings account -- Problem caused by your funds being low -- Complaint #17934108
Complaint Overview
Complaint ID: 17934108
Company: Bank Of America, National Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem caused by your funds being low
Sub-Issue: Non-sufficient funds and associated fees
State: Texas
ZIP Code: 77407
Date Received: 2025-11-29T12:00:00-05:00
Date Sent to Company: 2025-11-29T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Issue : Bank of America denied my fraud claim based on incorrect and inaccurate information recorded by their representative. Details : I filed a fraud claim with Bank of America for unauthorized transactions totaling {$2000.00}. My claim was denied because the bank stated in their notes that I memorized the PIN, implying I may have been responsible. This statement is false and not what I said. I did not say that I memorized the PIN, I never shared my PIN with anyone, and I did not authorize any of the transactions. The representative misunderstood me, but that incorrect information was used as the basis to deny my claim. When I called to correct this, Bank of America refused to reopen or escalate the case, even though the denial was based on factual errors. I am requesting that Bank of America : 1. Correct the inaccurate statement in their notes 2. Reopen and reevaluate my fraud claim 3. Contact me to resolve this issue Harm : This denial is causing me financial hardship. As an XXXX student, I do not have income and can not afford this loss. The inaccurate notes directly affected the result of the claim. Requested Resolution : Reopen my fraud claim, correct the inaccurate notes, and re-evaluate the claim fairly.
Frequently Asked Questions
What is Complaint #17934108 about?
Complaint #17934108 was filed against Bank Of America, National Association regarding Checking or savings account specifically about Problem caused by your funds being low. It was received by the CFPB on 2025-11-29T12:00:00-05:00.
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.