<prompt> Human: Bank of America just deducted 450 from my fathers checking account. He was a co-signer on my own BofA account until I closed it in January. They are now claiming that back in November I went to an ATM that was giving 50s instead of 20s that day. By their presumed guesswork and with no proof offered whatsoever, since I requested and was debited 300 that I must have got 750 instead, hence the 450 deduction several months later.I clearly remember the transaction in question. I always request mostly 50s anyway, so IF I got too much money from an ATM which I am not inclined to admit to them on the phone it was less than half as much as they are claiming. But how do they think it is acceptable to wait over three months and until the account is closed to deduct a made up amount of money from a different accountholder to compensate for their own ATM error with no proof offered or even a clear explanation? What is our best recourse here? File a complaint with the FTC or the NY State Attorney General?  <response>: So, you did benefit from the ATM error in November, and you closed your account in January? Thats not going to look good. 