Checking or savings account -- Problem caused by your funds being low -- Complaint #7337126
Complaint Overview
Complaint ID: 7337126
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: South Carolina
ZIP Code: 290XX
Date Received: 2023-08-01T12:00:00-05:00
Date Sent to Company: 2023-08-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I made an over the counter check deposit on XX/XX/23. My receipt and the teller stated that funds would be available the next day. The FAQs on the website also state that any holds placed on a deposit would be stated on receipt. My receipt said no such date of any hold only a credit that would be available XX/XX/23. This check is from the XXXX, upon speaking with BOA reps I was told that XXXX is standard check cashing policy. My mobile app says XXXX. I am late on several payments, and services have been disconnected. I could not eat lunch, while working to build a highway out of town. I have been embarrassed by multiple decline messages. I was unable to cash my paycheck due to insufficient funds. My mobile app is showing my check deposit as a negative. I have had to take out loans to buy my children school clothes etc., which has caused a breakup between myself and significant other. Multiple fees and amounts have been taken from account in the past. I have the bank statements to show where I was scammed and reported it before any transaction and BOA let someone in my account and made me pay for it. Help me please, and Thank you in advance.
Frequently Asked Questions
What is Complaint #7337126 about?
Complaint #7337126 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 2023-08-01T12:00:00-05:00.
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.