UPDATE:
I am still trying to resolve this issue. I have called and left dozens of voicemails for BofA management, including their fraud team management. I get nothing back from them -- NOTHING AT ALL.

BofA's CSRs and Loss Prevention teams claim that I should have a case/claim number. I have no such number, and never had a number with the "fraud" team. The account has completely vanished from view on the CSRs side, so they can't help me. My only hope is the fraud department but they won't reply to me. If they would simply tell the other departments that I had a valid case, then it would be reviewed but I can't accomplish that because they don't/won't respond.

Can someone please help me with another suggestion on how to resolve this issue? I don't know who to contact. I can't use the OCC because they only handle domestic issues and must be provided a domestic US address for correspondence. I can't write to any State representative because I don't live in any state. I can't really afford to pay a lawyer. I merely want closure and the money they debited from my personal checking account to pay NSF on unauthorized charges from a cancelled debit card. This was a cancelled debit card from my personal checking that I was told to cancel to resolve ongoing issues with BofA's system paying debits from another cancelled debit card out of the wrong account. I can't believe there's not a single thing I can do to force BofA to acknowledge & resolve the issue because, although I'm a US citizen and file taxes, no one in the US government can help me. I sure would love to have access to the money that vanished in thin air.

Also, I think BofA's fraud team misunderstood my issue with this card. I didn't want to file chargebacks. I wanted BofA to stop paying an old debit card, as well as ATM withdraws before I cancelled the cards, out of the wrong accounts. It's amazing something like this can happen.

Also, I have a few questions... if a sole proprietor has a platnum debit card to have access to higher transaction & withdraw limits, as well as lower to non-existant international fees, is there a reason why that card would automatically point to a normal checking account if the sole proprietor opened a personal checking for recurring transactions and personal bills? I just don't understand why/how the card switched accounts in the first place, and I'm wondering if there's a reason for why that card could not be pointed back at my business account. If either card is cancelled and transactions get force paid through claims, can the bank simply pull up the customer profile and apply the debit to the first account (the lowest number) at the top of the page, even if it's the wrong account and refuse to move the transaction to the proper account? Should the customer have to file fraud to get their bank to remove the transaction, even when the customer doesn't want to file fraud because the bank is posting to the wrong account? Am I liable for the bank's system, even after I've called and written letters for years about the same issue and the bank couldn't stop it from recurring, even though they promised every single time that it wouldn't happen again? Am I being unreasonable to think that the bank should have better control over their posting practices, and the bank should accept responsibility by not penalizing the ever-patient customer for their errors?

If I pay a lawyer, will BofA be liable for my lawyer if I win the case? Do you know anything about how to proceed with something like this from a foreign country? Would I have to travel to the USA? It would be cheaper to take the loss on my missing funds, but at the same time, I absolutely refuse to pay their collection agency for something I had absolutely no control over and did not cause because I couldn't even use the account.

Thanks for reading and any advice.

No, I don't think the agency or bank are intentionally harming me.

I think the collection agency is doing their job, and I'm sure they've heard every story in the book. Plus, they are paid to collect so I don't hold them responsible.

BofA is so big with such high turnover and so many mergers that no one is going to be responsible for my problem. Even the fraud department told me that BofA in California is a whole different world, so they could only stop the card from being forced through manually. They wouldn't even talk to claims or review my account. I have never been able to speak with any claims investigators about my issue because they don't speak directly with customers. I have never reached the same person twice, and as card numbers dropped from their system but continued being paid although the numbers didn't exist in BofA's database, the more difficult and confusing it became... that's how I ended up with fraud because claims was paying a number that didn't even exist in their system, not even as an expired card. I think someone may have deleted it thinking it would prevent further charges, or the system finally dropped it after 1-2 years. I don't think anyone wants or can help at BofA because they don't understand the problem in the first place and no one is going to step up to the plate and admit that they can't explain why this happened, and with the employees on edge trying to meet sales goals, instead of providing customer service or resolving issues, no one wants to help me. Actually, according to every department at BofA, no one can help me. So, what now?

Oh, one other thing - I still have my personal checking at BofA. At the advice of their fraud team, I stopped depositing money and was told that it would be best to wait for the fraud team to resolve the card issue and then resume deposits once the accounts settled. Unfortunately, I followed that advice and didn't bring the problem account positive and didn't deposit any funds in my personal checking because their system "automation" would have simply taken the funds out of my personal account and applied it to the business account again. The business account ended up being auto-closed for the negative balance. I then resumed deposits into my personal checking account, so BofA could have and still can pay off the account that closed negative. However, they haven't done it. According to their staff, BofA normally recovers their funds from other open accounts if an account closes negative but they didn't do that. They didn't even contact me. Next thing I know, I have a collection after me, which makes no sense. Considering I still have an account with a positive balance, they did not need to send it to collection, plus I was actively seeking answers about the account that vanished with my presonal funds when BofA sent it to collection. I don't think anyone wants to touch the problem. Perhaps, someone who could help me didn't want to explain my account issues or any large NSF refunds to their superiors because $1000s had already been reversed to fix the problem but it would simply recur over and over.

I wasted another 3 days of email, phone calls, and filing complaints to be exactly where I started yesterday.

What is wrong with this bank? Their staff are timed on the phone, so they transfer you around for hours until someone eventually disconnects you or their office closes. Customer Service pushes me to Claims. Claims sends me to Customer Solutions. Customer Solutions sends me to Fraud. Fraud is a deadend because they don't deal with California accounts, and the person who helped me doesn't return voicemail or phone messages. I am then transferred to Loss Prevention who say they can't help me and it's up to my Branch. I call the Branch, and I've been misinformed because they don't help with these issues, even though the account is on their books. My Branch tells me to call Loss Prevention again, and like an idiot stuck in a world of insanity, I do it and repeat this again. Each transfer sucks up 10-22 minutes of hold time as I hear about their services, over and over, and how I can resolve my issues online at Online Banking. LOL. You can only type 200 words into that form, and the default answer is, "we are sorry. please call us at 1-877-XXX-XXXX. we appreciate you. Thank you".

Can anyone at this board recommend a resource for locating a lawyer, who handles this kind of issue? I didn't want it to come to this but you were right. The bank is not going to fix my problem, although it was their mistakes that caused this. Apparently, banks can do this to small people, like me, and they are not accountable to anyone, not even their customers.