Consumer complaint received 2020-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, My name is XXXX and my wife XXXX have been a victim of bank fraud in the amount of {$68000.00} on XX/XX/2020 from our Bank of America savings account. 

On XX/XX/XXXX @ XXXX XXXX I received a phone call on my cell from XXXX ( See the paperwork ) Bank of America and I answered the phone because I recognized the phone number. The person on the line introduced himself as working for BOA. He said he was calling to confirm a check they thought may have been fraudulent. The check in question was written to XXXX XXXX for a shed that we recently bought. I confirmed the check # & amount and told him that was a good check. 

He said before they could process it for a deposit that they would have to send me a text message with a code. I accidentally deleted the first text with the code that came in @ XXXX XXXX and they sent me the second code @ XXXX XXXX. I gave the man the code and he thanked me for banking with BOA. ( See they paperwork ) I didn't realize until I look at my bank account to realize that they had completed a wire transfer from my account on that same day for {$68000.00}. I contacted BOA immediately and they closed my accounts and open up new accounts. 

I was told that someone from the BOA would be in contact regarding my fraud claim within 60 days. I called BOA on XX/XX/2020 to check the status of the claim. They told me at that time that I should have received an email ( never did ) on XX/XX/XXXX denying they claim. 

I was told by my lawyer to file a police report and go back to my local BOA branch and speak with the Bank Manager which I did. I also provided them with copies of my cell phone bill showing the phone call from BOA and the text that I believed they sent me. At that point they said they would reopen the case and let me know what is going on by XX/XX/XXXX. 

I don't have a good feeling about Bank of America because they really haven't reached out to me to discuss the fraud. I would appreciate it if someone from the State of Maryland Attorney General 's office contact me to discuss my legal rights as a consumer and how we can get our money back from BOA. 

TIMELINE OF EVENTS XX/XX/XXXX, XXXX Brought a shed from Fishers Structer 's for {$2400.00} on check # XXXX which was a good check for payment. 

XX/XX/2020 ( XXXX XXXX ) Someone called from XXXX a Bank of America phone # stating the above check was believed to be fraudulent which I confirmed was a good check. 

XX/XX/2020 ( XXXX XXXX ) The person sent me a text stating they need the 6 digit code to process the above check which I accidentally deleted so they sent me a 2nd text XXXX XXXX ( XXXX XXXX ) The person sent me a 2nd text with the 6 digit code which I read back to him. 

XX/XX/2020 ( XXXX XXXX ) A company by the name of XXXX XXXX XXXX performed a wire transfer out of my account for {$68000.00} without my knowledge. 

XX/XX/XXXX, XXXX Realized that my bank account was fraudulently hacked and called BOA fraud division immediately in which they closed my account and issued new accounts and gave me claim # XXXX. ( XXXX Fraud Division ) XX/XX/XXXX, XXXX I called BOA fraud division to check the status of my claim and they said they closed the case because everything looked ok on their end. 

XX/XX/XXXX, XXXX Filed a police report with XXXX XXXX ( XXXX. XXXX XXXX XXXX # XXXX ) XX/XX/XXXX, XXXX Went to BOA branch @ XXXX XXXX XXXX XXXX, XXXX to present documentation ( Cell Phone & Text Message Bill ) so they would reopen my case. 

XX/XX/XXXX, XXXX I received a call from a Detective XXXX with the XXXX PD stating that there wasn't anything they could do for me and essentially it was out of their league to investigate. He told me I should contact the State of Maryland Attorney General 's office for additional help. 

Please advise me at your earliest convenience of what steps I need to do to get my money back into our bank account. 

Thank You,

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