Consumer complaint received 2023-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The bank fraud started with account ending in XXXX on XX/XX/XXXX please refer back to the call that was recorded the day that I file the claims for the ATM withdrawals that I didnt get and the cash bags that I didnt get but was removed from my account and was supposed to be reversed back to my account and never XXXX please refer to the call XX/XX/XXXX the very next day that I called and only {$50.00} out of XXXX and something was placed back into my account Bank of America XXXX XX/XX/XXXX I had to file a police report because my sister only needed my phone number and try to retrieve cash back at a XXXX on XXXX XXXX I was told I couldnt press charges because the bank declined the transaction every since XX/XX/XXXX the following has happened I have woken up and it showed my username have been looked up multiple times I will call and ask Bank of America what did that mean they told me no worries dont worry about it Ive call Bank of America and ask them why it is showing that I am operating from an XXXX when I dont own an XXXX. Bank of America could never really give me a direct answer is to why online banking was stating I was using an XXXX in reality I wasnt even using online banking I was using the app. I was sent to Bank of America multiple times at least 15+ times to authenticate myself with my phone number after being authenticated before leaving the bank with the branch manager he too stated there was something going on to the point where yall kept asking me to come to the bank to be authenticated with a phone number that was mine it had already been authenticated that was another red flag Bank of America chose to ignore the red flag around XX/XX/XXXX through XX/XX/XXXX I would wake up in the Morning and noticed that there are notifications on my phone showing that a new device has logged in to my online banking at XXXX XXXX XXXX at times that I was not logging into my online banking Ill call Bank of America and ask them about this red flag they could not give me a straightforward answer I screenshot it everything provided documentation that my username was being looked up in my online banking with being logged into while I was sleep there are multiple transactions where there were money {$400.00} {$500.00} transferred from my online banking to another account without my consent now when ever you add those together it is approximately almost {$950.00} which is what I transferred personally from my savings to the checking until my money was going to be replaced as promised the issue is the money was never replaced Bank of America took {$950.00} for me I have the receipt I have the proof and the bankers from the bank can provide the proof. on XXXX the XXXX XXXX  I transfer it from my account into XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX dollars leaving me with XXXX XXXX XXXX  XXXX XXXX dollars which I picked up at the XXXX South Carolina Bank of America branch looking at the statements that was given to me twice in one day there are multiple bank errors there are multiple lies and discrepancies the claims that I try to file on XX/XX/XXXX for the money that was removed from my account for purchases I didnt get the fraud department stated that they could not find those transactions but I went the very next day and the lady print it out the same as it transactions for multiple transactions that were declined that was actually removed from my account. Also while at XXXX the fraud department contacted me and stated that the {$400.00} that was placed in a wrong closed account ending in XXXX stated that that was not placed over there that the banker lot but I have a receipt that shows that the banker put the money the {$400.00} into the account ending in XXXX. Bank of America owes me approximately {$1300.00} please refer back to XX/XX/XXXX also refer to XX/XX/XXXX. Bank of America lied and told me in on XX/XX/XXXX our way up till XX/XX/XXXX that the account ending in XXXX will be close a cashiers check would be mailed out to me no later than XX/XX/XXXX I contacted Bank of America today they told me that all four agents lied to me that there will be no cashiers check mailed out to me on the XXXX that has been pushed out to XX/XX/XXXX I have went without bills that are past due I have XXXX children theyre holding my money for ransom someone even called in as if they were me and file false claims that I would not have never known if I didnt get a letter from Bank of America I honestly call Bank of America and told him hey that wasnt me that filed those claims. This is a cyber security issue I reached out to the office of comptroller they stated that the consumer financial protection bureau will make sure that Bank of America handles my account. The agents are unethical unprofessional rude hanging up on me after me providing them prove that the money is rightfully owed to me every agent has hung up the phone when I called to let Bank of America know hey I didnt file a claim for {$330.00} I found a claim for this then they were able to hurry up and take that money out of my account they are holding me and my kids money for Ransom.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief