Checking or savings account -- Managing an account -- Complaint #5122404
Complaint Overview
Complaint ID: 5122404
Company: Bank Of America, National Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
State: Massachusetts
ZIP Code: 017XX
Date Received: 2022-01-18T12:00:00-05:00
Date Sent to Company: 2022-01-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
XXXX I wrote a check # XXXX to XXXX XXXX XXXX for {$32.00} from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX account. XXXX XXXX XXXX XXXX received a notice stating that the check had been returned unpaid because of a Warranty Breach. XXXX XXXX XXXX was charged a Return item fee of {$12.00}. Attachment 1 ( 3 pages ) XXXX I learned of the problem and wrote a replacement check # XXXX to XXXX XXXX XXXX. Attachment 2 XXXX I talked to XXXX about the problem. They showed me that the check was never presented to XXXX, it was not bounced by XXXX, there were plenty of funds available. No one at XXXX had ever heard of a warranty breach. My contact at XXXX was XXXX in the XXXX MA branch. XXXX. I can provide proof of adequate funds if needed. XXXX Went to Bank of America at XXXX XXXX XXXX, XXXX MA. Spoke to XXXX XXXX. She did not know what a warranty breach was, and she was not willing to ask anyone else because I am not a Bank of America client, even though it was my reputation the warranty breach affected. Contact information on Attachment 1, page 3. XXXX XXXX cashed the replacement check I wrote to XXXX XXXX XXXX # XXXX. Note there is no difference between check # XXXX and # XXXX.
Frequently Asked Questions
What is Complaint #5122404 about?
Complaint #5122404 was filed against Bank Of America, National Association regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2022-01-18T12:00:00-05:00.
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.