Bank of America, National Association Corporate

Complaint ID: 7472005

Product: Checking or savings account

Sub-Product: Savings account

Issue: Managing an account

Subissue: Deposits and withdrawals

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint: My name is XXXX XXXX and many years ago ( XXXX ) I opened a custodial account for my granddaughter XXXX XXXX . I am trying to access her funds and move her money to another bank. I called today, and talked with XXXX from Utah and she told me that she couldnt fully access the account and recommended that the account owner go to the banking center and provide information such ID and social security card. The issue here is that my granddaughter, XXXX XXXX is under age and doesnt have a state ID and also lives in a different state than me. I was instructed for XXXX XXXX to go to the bank with her guardian. However, being that my ID is whats on file, not sure if that will be an issue for my granddaughter. Another issue is that there were many errors when this account was opened. Apparently, the ID on file is mine ( XXXX XXXX ) but the account was opened only under XXXX XXXX. How is this legal to open an account to an under age child? As the sole owner. Because now they are saying she is the sole owner of the account. So she was under 10, when Bank of America opened this account. All along I am thinking it was a custodial account. Unless it opened as a custodial account and somewhere along the line BOFA switched it. I need your help in recovering the funds I have been depositing into this account. Currently theyre {$1300.00} in this account. The are telling me that since the account went dormant due to inactivity and the funds eventually will go to the state. I need help in accessing the account. Please investigate their practices as this was an error on their end and now they arent willing to assist in helping me with a resolution. Account number is : XXXX

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 7471897

Product: Checking or savings account

Sub-Product: Checking account

Issue: Managing an account

Subissue: Problem using a debit or ATM card

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint: On XX/XX/XXXX my wife legitimately withdrew funds at an ATM in XXXX XXXX for an amount of {$400.00} plus {$3.00} atm fee. She was there for several more days and did not make any more withdrawals at any ATM machines and had her card with her the entire time, never lost it or loaned it to anyone. Two days later when checking the account, I noticed that another ATM withdrawal was made that same day for {$500.00} and the following day two more were made for {$500.00} and {$400.00} plus 5 small charges for {$2.00} each for balance inquiry and withdrawal fees. I contacted the bank immediately to notify them that fraudulent charges had been made on the account, so they proceeded to cancel the card and issue her a new one and opened an investigation on the charges. They did refund the money temporarily while the investigation took place. On XX/XX/XXXX they sent me a notice saying the claim was closed and could not be refunded because they deemed that the card was used by her or by someone whom she authorized its use. I called and tried to get answers on how they had come to that conclusion and all they would say was the chip had been read and the correct PIN had been used. I told them that it sounded to me like someone had cloned her card. I asked them to get the video or pictures of the person who made those transactions to prove it was not her. All they did was reopen the investigation for several hours after which I got the same message twice denying the claim. I could not get anyone to have them review the video or pics from the ATM. The only information I have is a name of a vender and a location address. the first one at XX/XX/XXXX was at XXXX XXXX XXXX XXXX XXXX. which may have been near the one she actually used at XXXX XXXX XXXX XXXX XXXX XXXX. The withdrawals and balance inquiries on XX/XX/XXXX were also made at XXXX XXXX XXXX XXXX XXXX. Also there were charges for balance inquiries when she does not need to do since she has online access to review her balance. This complaint is because they did not do a full and thorough investigation of the fraud and get the video pictures to prove that it was not my wife that made the withdrawals.

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 7471769

Product: Credit card

Sub-Product: General-purpose credit card or charge card

Issue: Other features, terms, or problems

Subissue: Other problem

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint: I had a XXXX Balance on my credit card from Bank of America. My auto pay was still activated and they processed an additional payment of {$280.00}. I requested in XXXX of XXXX for them to refund the extra payment. They initiated a refund to my XXXX XXXX account, however it never was deposited back. I have called more than ten times and have spoken to numerous supervisors who stated they would escalate the discrepancy and would contact me back within 48 hours with an update and not one of them has. On XX/XX/XXXX, I received a letter from BOA stating they are closing my case because a refund was done on XX/XX/XXXX. This never occurred. I spoke with XXXX on XX/XX/XXXX and she said she would escalate it and call me back. She never did. I spoke with XXXX, another supervisors on XX/XX/XXXX Employee # XXXX. He said he would escalate and call back within 48 hours. He never did. I spoke with another supervisor on XX/XX/XXXX and his response again was that he would escalate it and call me back. I requested from all of these supervisors a trace, showing the account it was deposited to and not one of them has provided me with this information. I stated that I would send all of my statements from XXXX until now to prove that this money was never refunded to help expedite the process and they all refused to take this information. At this point I feel BOA is hoping I will just give up as its only {$280.00}. I can assure you, I will not stop and if necessary, will take legal action against them. The department I have been dealing with on this is the Credit Card Claims department at XXXX.

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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