Consumer complaint received 2023-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America claims to have resolved this issued because of the {$10000.00} I have lost, they have refunded me a total of {$1500.00}. That is only 15 % of the total amount I lost and that is their solution of a resolution and they then closed the claim. This bank has done nothing to help ( me ) it's customer other than denying the facts. They claimed that I have made large purchases like this repeatably in the past ( untrue ) and that there were security measures in place that I approved of. I didn't legally approve of them because I was XXXX XXXX XXXX per my police report that I filed and therefore it was not legally contract with me that made these purchases. Identity theft which is a form of fraud ( In police Report ). Also, if security measures we're in place, large transactions like this would not be approved at XXXX in the morning. Yet jus like what big banks always do, rather than protect their customers first, they always make sure they never lose money, even if it's ethically wrong. 

On the night of XXXX XXXX  I was wrongful defrauded, and drugged by I believe strippers in XXXX XXXX. They took a total of at least {$10000.00} using my drugged state to send themselves XXXXXXXX XXXX  debit card, and XXXX XXXX payments cleaning out my entire bank account. XXXX, they were all sketchy payments to names I have never sent money to before nor had prior activity for especially the amounts that were being sent. I went to Bank of America to file a claim and they said it was a robbery only not fraud and only the police can do something about it. I was going to file a police report but after doing research, this XXXX happens all the time, you maybe hear from a detective in 10 days and then nothing happens they always get away with it. I filed a claim for fraud with Bank of America and they denied it. I looked up the definition of fraud and it states : wrongful or criminal deception intended to result in financial or personal gain. Wow, sounds very much like what happened to me. In my head, I thought, what is the point of having a bank if they don't even protect you with things like this? there isn't. And Bank of America can even replace {$10000.00} to help a wronged customer? Like they don't have the money. Anyways, I'm grateful I'm alive, it could have been much worse but I am disappointed in the way the Bank of America Associates treated me, like I was the big XXXXXXXX XXXX  and why should I help kind of attitude. The worst customer service I have received and treated by a bank. And they didn't provide a service they claim to provide to the customer. I also filed a previous complaint with CFPB and Bank of America replied back they are still working on it, yet the document below clearly show 's that they already made a decision on one of the two claims related to the matter. Another lie from Bank of America. See the documentation for yourself below along with the police report.

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