Consumer complaint received 2023-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Request for investigation into fraudulent activities in my bank account and the complicity between bank agents and malicious persons. 

I am the holder of account at Bank of America and have been the victim of various abuses after I reported fraud in my account on XX/XX/XXXX. While XXXX days between XXXX and XXXX XX/XX/XXXX, i noticed two other no named deposits of XXXX $ and XXXX $ instead of my awaited holydays fees above XXXX XXXX 
I decided to quickly withdraw money in cash to observe suspicious movements on my account. This Friday, XX/XX/XXXX, I received by email at XXXX minutes, an online request notification when I made no claim to the bank. However, I found to my surprise that my account balance was negative and that the bank is going to charge me XXXX dollars while I have no overdraw option. The Bank of America agent XXXX, whom I had on the phone around XXXX, told me after a long exchange that it was a mistake of the bank, but she refused to send me a email specifying the subject of my call and her response as well as her full name. 
Someone is playing with my account again and that is unacceptable. 
Indeed, I noticed that a direct debit was made on XX/XX/XXXX in my bank account for the University XXXX XXXX where I have never been a student. I therefore claimed reimbursement of this amount. I note that this is not the first time that this university appears in my account but in view of the low amounts, I neglected to claim my money. 
I was surprised to receive on XX/XX/XXXX, a call from the University XXXX XXXX  to claim payment for my credit, which I had already paid online on XX/XX/XXXX as evidenced by the screenshot i keep. I must also point out that on the one hand, my interlocutor gave me the amount of the balance of my bank account to which he must not have access ( violation of Bank secret ), and on the other hand that I had just received a new bank card two weeks before for a similar fraud shortly after paying my loanuniversity. I would like to point out that my online payment of XX/XX/XXXX, of which I have kept a screenshot, has disappeared from my bank statement. 
I waited more than a month before receiving my new bank card and having free access to my account which was blocked. I called the bank several times in vain and made an online request, the references of which are attached. At first, I was told to have ordered a new card but when after 3 weeks, I was told that we were going to order a bank card again, I had to enter the Corporate to have a start of solution. 
It was XX/XX/XXXX while I was told at the bank that I had ordered a new card, I was surprised by the insistence of my interlocutor at the bank to obtain my new address when I had not yet officially left my home which is an astonishing intrusion by the bank officers into my privacy. The same day, that I received an anonymous text message informing me that my card was finally available at the concierge of my residence that I had had to temporarily leave because one neighbor assaulted me in my house and a written report was made. So I went to my current address at XXXX XXXX on XX/XX/XXXX and after a long wait I discovered that two bank cards were there while the janitor XXXX XXXX had sworn to me during weeks, having received nothing. 
I found that the first credit card sent ( that no one had told me about ) had no date of sending ( which is a surprising negligence of the bank ) and the second had recently been sent via XXXX. 
Traumatized by so much abuses and negligence which plunged me into misery for almost a month and prevented me from meeting my financial commitments, I seized the police, the Bank corporate, the XXXX and XXXX. Now on the behalf of new manipulations intending to compromise my account again or to make me close it to have peace, i come to ask Attorney help to find out what happened, what is happening once more and above all to prevent it from happening again. My bank account is often subject to similar frauds as evidenced by the high rate of bank cards ordered for me in two years. I will request all legal remedies to achieve this. I really feel insecure and need to Know who is doing me such a nightmare everytime. Thank you in advance to handle my case.

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