Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #5104355
Complaint Overview
Complaint ID: 5104355
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: Money was taken from your account on the wrong day or for the wrong amount
State: Florida
ZIP Code: 33029
Date Received: 2022-01-12T12:00:00-05:00
Date Sent to Company: 2022-01-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
On XX/XX/XXXX I deposited 2 {$1000.00} XXXX money orders via the BOA mobile App into my checking account ending in XXXX. On XX/XX/XXXX my account was debited for both of the checks by BOA claiming that the checks were duplicates. Today I made a 3way call with XXXX # XXXX of BOA and XXXX XXXX of XXXX. XXXX advised that the 2 money orders were Honored and paid on XX/XX/XXXX. BOA claims that the funds were returned but XXXX has not received the funds and BOA refuses to provide any proof that the funds were returned to XXXX so that XXXX can then send me replacement checks to deposit. BOA also claims that the funds were debited because the money orders are not able to be deposited via the mobile app but this is not true. I have attached copies of letters from BOA clearly showing that their response is not true. The reason for the debit as indicated in BOA letters is Duplicate Presentment yet they claim they have no record of the letters. Both XXXX and I believe that BOA has the funds and they refuse to credit my account or provide proof otherwise. Tried to speak with Supervisor but unable to do so.
Frequently Asked Questions
What is Complaint #5104355 about?
Complaint #5104355 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 2022-01-12T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with explanation". 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.