Consumer complaint received 2017-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I 've been banking with Bank of America for 7 years and never had any problem until XX/XX/XXXX. {$1400.00} was stolen from my checking account ( XXXX XXXX XXXX ). These were unauthorized withdraws. ... Incident took place in 3 different occasions ; XX/XX/XXXX as well as XX/XX/XXXX and or XX/XX/XXXX. XX/XX/XXXX, {$400.00} was withdrew at XXXX XXXX, XXXX NY. XXXX and or XX/XX/XXXX, {$200.00} and {$800.00} was also withdrew ( from XXXX XXXX XXXX Ny ). I knew about the incident through Bank of America, via a text message. On XX/XX/XXXX or XXXX, I got a text message from Bank of America saying that I should confirm a possible {$800.00} withdraw. I immediately replied to the text and alert the Bank about the fraudulent. The {$800.00} is suppose to be a 4th withdraw ... But, was declined because this unknown has reached my daily withdraw limit. 
I was asked to filed a claim which I did. 2 weeks after I filed the claim, Bank of America Fraud Department connected me. They asked what happened, I told them the truth. I told them that the debit card was in possession when the fraudulent activity occurred. I told them that I did not know who did it ( which is true ). I told them to pull the surveillance camera/footage ( all evidences are there ). Days after the phone interview, I got a letter saying that my case has been close ; that all transactions were posted correctly ... I was hurt. I was disappointed but I could't challenge their decision because my father was extremely sick at a time and all I care about was to keep my father alive. I took my father from one hospital to another but he later XXXX XX/XX/XXXX. XX/XX/XXXX, I lost my grandmother. XXXX XXXX I lost my job because I could't focus on the job.. I have been through a lot. I have lost a lot. I am not writing this letter to gain sympathy..I am writing this letter because I need my claim and case re-opened and properly investigated. It hurt that NO ONE from Bank of America Fraud Dept took some time to investigate my case.. Because if someone did, I would n't be writing this letter. I 'm kindly requesting that Bank of America pull the footage, survillance camera and pictures ( from the locations where all ATM withdraws occurred ) and properly review/ investigate my case. The debit card that was used to make these withdraws was n't mine. I was never in the area. No one else has access to my debit card or pin number ( I had my card on me when the fraudulent was going on. I am a victim of card skimmers. As previously stated, I have been banking with Bank of America for 7 years. I never withdrew money at XXXX XXXX and XXXX ; or XXXX XXXX. It will be greatly appreciated if the individual ( s ) involved are arrested for putting me through XXXX. No one deserve this. Lastly, I would like to see the footage of all withdraws that took place XXXX, XXXX and XXXX ( for the amounts stated above ).

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