Consumer complaint received 2022-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My name is XXXX XXXX. I am reaching out because I have been a customer with Bank of America since 2019. On XX/XX/XXXX at approximately XXXX I received a message from Bank Of America Security XXXX with unauthorized transactions. I did not authorize any transaction so I replied NO. I received another message stating I will be receiving a call shortly. I received a call at approximately XXXX. Once I answered the representative stated that he is in the bank of America fraud department and that he was going to help me out to open up a new account and transfer my funds because someone is using my card and has my information. He told me that I have the right to press charges and that there is an open investigation and my account is on 24 hr hold and being monitored. I only trusted this because it was coming from my bank and I just lost my card last week so it didn't seem suspicious that someone was intending to use my funds. The representative told me to XXXX him I asked Why would I have to XXXX? '' He explained that my card and information was compromised and I would lose all my funds if I didnt transfer it out the account. He told me to XXXX  a number and put my name in the message I did that twice and it wasn't working he then told me to cancel and try again with his colleagues number because he's assisting with the investigation I sent {$1500.00} through XXXX  to my Bank never authorized sending {$1500.00} to a complete stranger that had my bank information! He then told me to XXXX {$1200.00} as soon as I sent the XXXX I received a message from bank of America stating bank of America will never ask you to transfer money at that point I knew it was a scam I canceled the {$1200.00} transaction and I tried canceling the {$1500.00} but it was too late the transaction completed. I hung up on him and immediately called the bank. He began blowing up my phone and calling me multiple times. I did not answer waiting on a response from a representative to see if they really had someone from the fraud department reach out to me. They stated no and that it was a scam. I am in disbelief, shocked and scared that this happened to me. I really hope you guys look over everything and can help me get my money back. I just got paid after working more than 40 hours and That's the money I have been saving for my deposit because I have to move by next month. I can't believe this happened to me and that I got scammed by someone who pretended to be my bank! Please Help me. I need my funds Back. My bank Bank Of America ISNT DOING ANYTHING TO HELP ME. XXXX IS OWNED BY 7 BANKS AND BANK OF AMERICA IS ONE OF THEM AND THEY CANT DO ANYTHING TO HELP ME. THEY ARE HANGING UP ON ME, TRANSFERRING TO DIFFERENT DEPARTMENTS AND NO ONE CAN HELP ME THEY THINK THIS IS A AUTHORIZED TRANSACTION WHICH IS NOT BECAUSE OBIVOULSLY SOMEONE PRETNEDED TO BE THEM, PLEASE HELP ME!!!

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