Consumer complaint received 2019-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
On XX/XX/XXXX, a company of really unknown contact information charged my checking account XXXX in an unauthorized debit. I on the first day notified Bank of America that this was a fraudulent charge -not done by me or anyone in my household. My wife XXXX and I live alone and no one but me has access to my debit card that is locked in my desk drawer at home -- not even my wife has access to our cards. We have camera 's and a security system hooked to the cell phone system, and so it is impossible to access the inside of our home without setting off the alarm. Bank of America immediately removed the charge which had no other information on its origin except -- '' by XXXX-online Fla. ''. No phone number, no website info -- no nothing as far as contact info with the charging company. I followed up in the weeks to come by repeatedly calling and speaking to the fraud dept. of Bank of America, and faxed in a statement saying -- '' I did not make this charge '' explaining that we were in the middle of a remodel of our home without a refinance, and our budget was very tight and AGAIN stating 'WE DID NOT MAKE THIS TRANSACTION ''! They explained it was some kind of software purchase and they were investigating. In XX/XX/XXXX, I received a letter stating that their investigation was complete and they were recharging my account XXXX on XX/XX/XXXX. At this time, they could not give any info. on the company -- no number to call -- no website to find contact info -- -nothing except after talking with XXXX- badge no. XXXX and XXXX badge no. XXXX on XX/XX/XXXX and XX/XX/XXXX -- I begged them Not to debit my checking account because I did not have the money to cover this fraudulent charge -- they were courteous but stated that visa had confirmed that this was a valid charge. I reiterated -- '' it may be a valid charge-but I did not make this charge -- I have not received any software or any product that cost XXXX! To NO avail, my account was CHARGED on XX/XX/XXXX and OVERDRAWN AND charged an OVERDRAFT FEE besides with no income coming into my account until XXXX XXXX XXXX XXXX. HOW IS THIS POSSIBLE a financial institution can charge you without any contact info on the company making such a charge??? HOW IS THIS POSSIBLE?? Please direct my complaint to Bank of America/claim investigations -- XXXX XXXX XXXX XXXX Az XXXX -- -- -- I do not believe they made ANY credible investigation -- -a Google search came up with NO SUCH COMPANY -- -I do not believe in this day of internet cookies that they can't give me some kind of contact info. I did not make this charge -- this is the second time in 6 months that fraud has been on my checking account and the card number that generated this Fraud was a NEW card number! What kind of SECURITY does the banking industry have that they can not track down whoever has done this -- we are poor people living paycheck to paycheck -- I am XXXX  XXXX XXXX XXXX   properly after a career of XXXX work in XXXX. Where is our PROTECTION from these fraud promoters that must be in the banks themselves! 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 monetary relief