Consumer complaint received 2020-02-21
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 Bank of America debit card was locked several times for suspicious activity and I was told to call a number.it was then as the lady was looking threw my account she noticed that I had fraud on my account and it had been going on over a year.she explained to me that there was a place called XXXX XXXX and they had several different names so they could take money out and it wouldnt look like XXXX XXXX .the lady filed several claims on my behalf and to my surprise my account was credited XXXX she told me it was obvious to her that this was fraud because of the different names XXXX XXXX was using and taking the money out under each different name. 
Claim numbers ... .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the total of XXXX These were all credited back to my account and was permanent credits .then they also credited my account for Claim numbers XXXX -XXXX XXXX-XXXX XXXX-XXXX XXXX-XXXX XXXX-XXXX XXXX-XXXX XXXX-XXXX XXXX-XXXX In the total of XXXX $ And then weeks later those credits was reversed and taken back out of my account realy screwing everything up.i called several times and cant get any help they said it was past the 60 days and they couldnt get there money back from the merchant even though it was clearly fraud.so my question was..how can you ( the bank ) catch fraud on someones account, notify them say its been going on over a year so it was clear that they new it had been past the 60 days .file the claims reimburse the money and then take it out causing another financial crises.? I didnt find this fraud the bank did, the bank filed on my behalf the bank credited the money back.lhow can they do that all to take it back again lakes no sense to me if they new it was past the 60 days then why did the give the money back in the first place.ive never dealt with this before I no nothing of this XXXX or the process. Now I have a bank account XXXX in the negative, for the banks actions in finding this fraud that was going on in my account. I was told I could get a payment plan but this fraud has me so XXXX  up I cant afford anything .i havent looked in that account in some time because Im depressed and overwhelmed and frustrated .i now have 2 bank accounts and 2 pre paid cards all with missing money and strange online charges .i cant get my money back and I cant get anyone to tell me how this is happening or what to do about it .but as far as Bank of America I dont think its fair to do that..find fraud file it reimburse then take money back without warning putting me in the hole and bills to be paid with no money.i have now 2 debit cards from Bank of America I havent recieved and looking at my account for the first time in awhile I see theres more charges and I havent even had a card to use since way before XXXX li need help getting my money back and maybe even more importantly I need to no how this is happening and how to stop it .i havent reported the new charges yet because honestly I feel whats the point, and its getting ridiculous, Im missing in total over 3000.00 worth of money.im a single mom I dont have enuff money to let a scam artist spend it Im in a huge financial crises and in one month time my credit score went down over 100 points? Please can someone help me .sinncerely XXXX XXXX XXXX XXXX XXXX  ... ..claim number XXXX XXXX taken out in 4 transactions back to back my pay posted on XX/XX/XXXX .i didnt even no the money was there because payroll said they couldnt put my pay on there that it was undeliverable. My boss had to write me a check for part of this Wich I had to pay back once we found out the money did post, didnt matter that someone took it she couldnt pay me twice,. 
So then I opened a different checking account since Bank of America was in the negative and it has fraudulent charges now so I got a prepaid card so my direct deposit would have a place to go I got a XXXX XXXX  .and never recieved the permanent card and it dont allow you to set a pin etc tell you recieve the permanent card and my whole paycheck was taken off that card the second time payroll went to XXXX  XXXX   ..didnt see it but then we looked and it was there and that was when we saw that the previous paycheck did post to that account and that it was gone, so I called to bank they said to take my temp card and get that pay off there real quick and then they would lock the account and file a dispute.wich they did and sent me back a response saying there was no mistake, well they better look at some video coverage because I didnt even no that money was there before it was gone l So after that I had got a prepaid vs gift card from XXXX  thinking certainly no one could access a gift card visa .well wrong answer By the time I realized the money was gone on the XXXX  XXXX I checked the XXXX  XXXX  balance online and it still said XXXX $ by the time I got across the street to the atm to pull it off real quick the atm says insufficient funds.so I checked and sure enuff 2 transactions still pending by the way .. to XXXX. 
So I called XXXX ..told them the situation and begged them to stop the pending charges because it wasnt me who made the charges and that was all the money I had, they said they cant stop the pending charges but that once they clear they can file a dispute that they would send me the paper work and that it can take up to 45 days to get my money back, she gave me this case number, # XXXX now that account also is locked and I never recieved any paperwork or a different card from them nor XXXX   XXXX I then hurried and called XXXX online and explained to them and they also stated that they couldnt stop the pending charges that the bank had to do that .my XXXX XXXX  account is also compromised I believe Ive been locked out of it since XXXX and honestly Im to exhausted and depressed Im to the point of hopeless and I havent even gone to the bank to see into that account.

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