Consumer complaint received 2024-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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:
I received communication from a Bank of America representative on XXXX I was told I would be contacted by someone to help me within XXXX days after filing my last complaint, which never happened. Over a year ago, I notified Bank of America as soon as the transaction took place to reverse the transactions due to my being scammed through the XXXX XXXX  and my bank account. I had to open a new account, create a further XXXX authentication, and log in to my online app. I provided them with details that the scammer was saying transactions were not mine to make funds available to steal them through the XXXX XXXX  and then transfer the funds to a different XXXX XXXX. I spoke to XXXX in the escalation department today after finding out that Bank of America had XXXX funds for my children taken out of an account to pay for this fraudulent transaction. I asked if I could pay on Friday, and here I go again, continuing to settle for something that. I don't owe, and if they could make those funds available. I have been paying voluntary and involuntary payments to the bank for someone stealing my funds and felt robbed again this morning. XXXX then began to belittle me and try to insult my intelligence in protecting myself and became insensitive, telling me the debt was valid. I became livid and felt picked on after I advised him to note again that this debit was fraudulent, which he did not do. I notified the bank of this issue while scammers were hacking my account in real time to stop them. I'm a victim of fraud and am not being protected. I'm filing a lawsuit as I feel completely taken advantage of. Paying for a fraudulent transaction has caused me so much stress and inability to pay bills to provide for my children and also emotional distress. My bank is taking advantage of me after delivering all the proof, and they will not help me! At this point, I have reached out to the Minnesota Attorney General 's office, who informed me to contact the Office of the Comptroller of the Currency ( " OCC '' ) and the Federal Trade Commission, which I will reach out to today. I have already also, at this point, filed a lawsuit as this had caused me much stress and inability to care for my children during times of hardship when they collected money ; also, the way the collection agent XXXX spoke to me, which I have recorded I can't live down ; at this point, I need to advocate for myself because now I'm paying twice for being a victim of theft. Bank of America hasn't responded in over a month from the date they told me someone would reach out. They haven't responded to the Attorney General 's letters either, the second letter, which followed the first, regarding the fact they still have not responded ; the same is true with me ; they still have not responded.

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