Consumer complaint received 2022-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX. Ive been with Bank of America for about 2 years maybe a little less. Ive had numerous problems with them but my fraud claims are my issue. I recently had a friend with drug addiction problems living with me. Little to my knowledge she was taking my debit card, taking out money, paying bills, opening accounts in my name and funding them with my debit card. When I found this out I called Bank of America right away and told them about it. They accredited my account and then took the money back a month later saying inability to pay. The reason for this is they say I either have the person or merchant permission or provided them with the information. Then they state whatever evidence gathered will be available. Let me tell you I have called the police about the stolen money, went to court only to have her default anyways so I never saw a dime. So this person steals a bunch of my money, I do the right thing and notify authorities and go to court yet Bank of America wants to tell me that I gave her the information and the purchases she made were legit!!! I want my money back. Under their 0 % liability fraud protection, I should most definitely be covered. Also, their misshandeling my money. They fudge up there account statements to cover up when they steal from people. For instance I went to an atm the other day but my card was shut off for whatever reason. So when I tried to use my card for {$460.00}, {$300.00} and {$200.00} the atm said insufficient funds which was impossible, I recently got a {$900.00} and a {$840.00} check deposit in my account plus a credit from XXXX for {$130.00}. That would bring my total to {$1800.00}. I spent {$580.00} on a ticket and reinstatement fee then some random {$20.00} dollar amount transactions along with a couple withdrawals and an {$82.00} purchase. The last time my card was used was on XXXX for those bogus ATM charges. But here is what they do to steal from you, they go and give you at some other time in your account history so it looks like they gave you the money back when in fact they didnt. They raised my available balance to an amount of money I can tell you that I NEVER EVEN HAD IN MY BANK ACCOUNT. Then they go and subtract the original withdrawal from an amount they fictitiously made up. My statement doesnt even match my app history!! It makes no sense. The way they subtract things and add things makes no sense. They gave me the reversal before the withdrawal. I had about XXXX in the bank at the time of all these fake withdrawals, and every time the money was taken out of my account until I had nothing left. Then they go way before the atm transaction and add reversals bringing my total to something I never even had in the bank in the first place. If you take XXXX, XXXX, and XXXX and add them together you get XXXX. So all month I deposited {$1700.00}. If you start subtracting every purchase on there including those ATM transactions, you will see that theres no way they could have given me the money back cause at no time did I ever have that amount in there. I want all my money back for those ATM withdrawals and for the unpaid claims. I never gave anyone permission to use my card or gave any merchant my information to make a sale. It was a XXXX  I happened to trust with whom Ive called the cops on, taken to court and prosecuted!!! I notified the XXXX police and we went to XXXX court for it. They need to pay me the money that they stole from me, TWICE!!

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