Consumer complaint received 2023-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been a victim of identity theft for the amount of {$1300.00} through my XXXX card from Bank of America. I live in XXXX California ( XXXX XXXX ) and the XXXX charges, adding up to the aforementioned amount, were charged in states New York and, I believe, North Carolina per the Bank of America. Of note, I have not been outside the state of California since XXXX nor has anybody else been authorized to use this debit card. Additionally, I have never used the debit function of this card. The card has only been used at my local Bank of America branch to withdraw cash, in which I then deposit into my personal bank account at the XXXX XXXX XXXX. This information was provided to the Bank of America XXXX. 

It was approximately XXXX month ago the Bank of America found " suspicious activity '' on my account. I filled a claim as those charges are obviously fraudulent. My claim was denied by Bank of America in a statement within an apparent 'form letter ' : " During our research, we identified multiple factors that indicate that the transaction was authorized by you or made by someone who has permission to use the card or account. As a result, your claim has been denied. '' This denial is, in a word, insane. I have requested a case review and the evidence for the denial of the claim -- Other than the obvious 'form letter XXXX Bank of America XXXX to my home address. 

The XXXX fraudulent charges are as follows : XXXX. ) {$160.00} @ XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. ) {$170.00} @ XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. ) {$180.00} @ XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. ) {$190.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. ) {$150.00} @ XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. ) {$160.00} @ XXXX XXXX XXXX on XX/XX/XXXX XXXX. ) {$190.00} @ XXXX XXXX XXXX on XX/XX/XXXX XXXX. ) {$100.00} @ Love by XXXX XXXX on XX/XX/XXXX I have come to learn that XXXX fraud, through Bank of America Debit card system, appears to be widespread in California as well as Bank of America claim denials via form letters. There has been, and currently are, class action lawsuits against Bank of America for thousands of similar complaints, as compared to my own, since XXXX. Including paying more than {$200.00} XXXX in fines for claim denials through form letters. Regardless, it appears that practice by Bank of America has not abated. 

On a personal note -- I am an XXXX that was working in a large XXXX XXXX XXXX during the XXXX XXXX XXXX XXXX XXXXXXXX. I also fell victim to the acute effects of the virus, from working with XXXX XXXX XXXX XXXX, and with the after effects of 'XXXX XXXXXXXX  ' ( XXXX  ). It is why I have been out on XXXX XXXX times since my initial severe illness of that virus. This Bank of America so-called " investigation '' is a flat out insult to someone who sacrificed his health during the pandemic. 

With that said, thank you for your time, 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