Consumer complaint received 2017-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 have been a victim of a fraudulent transaction which occurred on my Bank of America account on XXXX and XXXX XXXX XXXX, this was due to negligence and unauthorized access to my account. 
I was requested to do a favor by a person ( Friends friend XXXX ) to transfer funds from my account to his cousins account after he would have deposited the amount into my Bank of America ( BOA ) checking account. After receiving the funds XXXX which I thought were deposited by the above-mentioned XXXX ), I did wire transfer deposit matching funds ( on XXXX XXXX and XXXX XXXX XXXX ) from my account to another account as per the request. 
The funds that I thought were deposited into my account by the XXXX were the result of a temporary cash advance ( XXXX misrepresented himself as me to BOA, claiming that a previous ATM cash deposit made on my account was not visible, hence the bank while investigating the case made a temporary/cash advance into my account ), all this was unbeknownst to me at the time, I thought it was a deposit by XXXX 
Without any proper verification, BOA made a temporary adjustment totaling {$3600.00} ( {$1900.00} and {$1700.00} on XXXX and XXXX XXXX XXXX respectively ) to  satisfy the claim of XXXX. After BOA discovered that there was no missing ATM deposited funds, they rolled back the temporary/cash advance on XXXX & XXXX XXXX XXXX. All the above details were brought to my notice when I noticed my account was overdrawn on XXXX XXXX XXXX. 
I would like to make a complaint against BOA for a few major factors that I consider negligence on the part of BOA, also none of the above was brought to my attention until I noticed my account being overdrawn. BOA has myriad ways to contact me, including email, mail, phone or text message. Listed below are few of the details that I have issues with : 1 ) Allowing XXXX to manipulate then into believing that an ATM cash deposit was made on an account that clearly had nothing to do with that person. 
2 ) XXXX pretended to be me is a XXXX and I 'm XXXX, which clearly implies that the given information to an unauthorized person. 
3 ) Documentation concerning to XXXX claim about the missing ATM deposit was sent to a mailing address that is not mine, hence this documentation was never received by myself. BOA has always had my mailing address on file. 
XXXX ) A Cavalier attitude to security on the part of BOA has victimized me and made me realize that my account has no protection and is insecure. Is this how BOA treats their loyal customers? 
5 ) It seems that the security verification questions post the XXXX were my account number and postal address, which can not be called " security verification. 
6 ) Why in world would anyone grant a temporary cash advance without proper verification. 
My attorney has advised to send you this letter laying out the facts in a straight-forward manner hoping for a speedy resolution of this matter.

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