Consumer complaint received 2023-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am writing a second dispute about the amount of {$2000.00} from my account. 
Since how things have happened during this supposed investigation have been vague. They were planning to close a case after all the irregularities occurred in my bank account. 
First I get an alert from Bank of America for unusual activity in my account in the amount of {$640.00} on XXXX that occurred in XXXX Florida. The alert said if I recognized said action, I answered with a clear NO this happened at XXXX pm on XX/XX/XXXX they said in the message that the card had been restricted. However, they did not take immediate action until XX/XX/XXXX, a week later. 

In my account you could clearly see all the irregularities that were happening and within a period of XXXX minutes the account was being hacked, how is it possible that they did not notice after I said that I did NOT recognize the purchase. This was reflected in my account for more than XXXX hours and nothing was done about it. And the amount of 2000 dollars was stolen from my account without any problem by Bank of America due to their negligence. The representative I spoke to was supposed to help me with what I was going through, but he was unable to act immediately and do his job, protect my money. They couldn't even create a claim for me until a week later. On Monday XX/XX/XXXX I contacted the bank to find out what was going on and was told by their representative that the case could not be resolved and would be closed as the bank was unable to recover the funds. I asked that the case be reopened and he confirmed that it was. I sent evidence by fax the same day, XX/XX/XXXX, but it seems that everything is wrong and they do not respect the events that occurred, since on XX/XX/XXXX I called to find out about the update, but it turns out that the agent who assisted me assured that the case was never reopened. 

XXXX later, other messages arrived about the Bank of America in which it would help to make the money safe and said messages came from the Bank of America, which they could not detect and prevent my money from being withdrawn. 
All negligence and mistakes made by bank staff knowing what was happening and did not act on it are inadmissible. The agent is called XXXX, ID XXXX. He also said that a transaction takes XXXX hours to process, plenty of time for the bank to act and get my funds back. But he didn't until a week later. They also had the option of freezing the account while they tried to extract the money but nothing was done either. 

This action on the part of the Bank of America and its staff that they allowed to ignore and that under no circumstances should have happened was to have ignored it since it was carried out up to 8 days later, which was a very important factor due to which my money has not yet been recovered. I demand that the errors be admitted by the staff and the amount of {$2000.00} be credited to my account. I want a more exhaustive investigation and answers to this case and not just words of regret from the Bank of America. 
I am attaching proof of the facts, I am waiting for answers to this action and everything that the bank recorded at the time of the events that occurred after XX/XX/XXXX, since there must be a call with the report that I made and of course the recovery of my funds.

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 explanation