Consumer complaint received 2018-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear Sir/Madam ... 

We are XXXX and XXXX XXXX of XXXX XXXX XXXX. # XXXX XXXX XXXX, XXXX XXXX and have been of an excellent credit standing all of our XXXX years of banking life with all creditors. 

When, I moved to XXXX XXXX to pursue my XXXX career in XXXX of XXXX, prior to my husband arriving in XXXX, I hired a XXXX year old assistant, XXXX XXXX XXXX to assist me. 

I am XXXX years old and I needed some technical help. 

He was recommended by a friend who told me XXXX was good with technology and I needed an assistant prior to my husband arriving from back east to join me from XXXX, XXXX after selling our home. 

XXXX joined me and worked with me from XX/XX/XXXX - XX/XX/XXXX that final date being the date he stole our XXXX XXXX XXXX and went to XXXX. 

XXXX worked from my home but I do not have an office, therefore, that is where I work! 

It does not give him a license to steal. He was paid {$100.00} a day cash for his services. I also took care of take out food and lunches to be kind. He took advantage of our money and our high lines of credit. 

It is shocking that the Bank Of America would rule against us for having an intern who has no job, no residence, no source of income against people like us at XXXX and XXXX who have worked a lifetime and maintained beyond excellent credit. 

I hope one day they are taken at the hands of XXXX XXXX XXXX. 


My husband and I phoned the police when XXXX took our car. The police came to our home at XXXX XXXX XXXX. # XXXX XXXX, XXXX  XXXX and phoned Mr. XXXX on his cell phone and ordered him to return the car immediately. This was XX/XX/XXXX. Mr. XXXX refused that officer, and returned the car 3 days later, when he felt like it, and was briefly arrested and let go. 

It was during those days my husband and I discovered that XXXX XXXX XXXX stole over {$200000.00} in credit card limits, to include checking accounts and stolen debit cards, etc. 

The only bank who will NOT cooperate with my husband and myself is the Bank Of America and we have worked very hard or have tried to since XX/XX/XXXX the date of we discovered that the intern was stealing from us through online methods and icloud hacking. 

At no time ever, was XXXX XXXX XXXX authorized to use my debit card or any of our finances simply because he had access to them! or worked in our home. He is a thief and I tell you that as a XXXX year old law abiding woman who has worked a lifetime and not one blemish on my record or my husband XXXX XXXX record. This is a disgrace and beyond and I plan to go to the XXXX XXXX with this story. 
I am a writer. And an award winning writer with XXXX  credit. 

The only reasons The Bank of America ever gave to us was that they were completely ruling against us ( and I will provide that documention as well here ) is that because he had access to it - he was in fact, in their eyes, authorized to take whatever funds he wanted. 

That has been the position the Bank of America has maintained despite a police report, an attorney letter and the fact that we are XXXX year clients in excellent standing. They have made their final decision based on that alone. He was in the home and I allowed access. 

I did not. He hacked my icloud and gained access. He took money, from debit and credit cards unknown to his own gain financially. He has stolen over {$200000.00}. 

All of the banks were hit up with the fraud by Mr. XXXX but little by little they worked with me and the evidence and credits were given. we are still awaiting a few. It has been the absolute worst months of our lives and my husband, XXXX, a XXXX survivor is so ill from this theft that I am afraid he will become sick again. 

It makes people like us think, was it worth it to abide all the laws all the years of our life? No one cares about us?? No one understands what it like to be violated this way. 

Is a person who works freelance not allowed to have an in house assistant because when they do, that assistant has a right to all that is in the home which does not belong to them. 

Read the Bank of America 's explanation to us. Are we being discriminated against because we are seniors? 

The Bank has no idea that I am writing a screenplay for one of the most known families in America and once I can say, this will be national news about how they have treated us!!! 

I had not had knowledge of this theft, yet we are being completely blamed. I was honest about the dates all my cards were at risk. I reported it to the police. I have an embezzlement report. I had my other attorney write XXXX a letter ( attached ) My husband was back east receiving paper statements and paying them. Mr. XXXX XXXX XXXX is the criminal, not us. 

We have been punished by the Bank of America, all summer for this, giving us no credit ... THEY have not sent any statements for the credit cards and have ruled against us in the Debit Card fraud ... when XXXX took {$3300.00} from the ATM at the XXXX XXXX in XXXX or whatever other ATM of Bank of America was used.

THE reason the Bank of America gave was he shouldn't have access to my card or my pin. I could not agree more. However, that is why the Bank ruled against us. Simply, because he worked in my home. He stole all things without my knowledge. He knew my pin number because he hacked it along with my mother 's maiden name, our social security numbers and anything in our lives that remain dear to us. 

Therefore, I am going to show you all the evidence and tell you that XXXX, XXXX, XXXX, XXXX, and multiple others all worked with us to eliminate the fraud. And the Bank of America still has not sent statements to me for the 4-5 months. They refuse to put back the money stolen from our ATM and I am appealing to you to assist us. 

Thank you. 

XXXX and XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, XXXX  XXXX

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