Consumer complaint received 2022-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received Bank of americas response and closing of case on their end. 
And I don't understand. 

Here is a customer of this bank for many many years and at the time of the transactions that were illegally done on his savings account and his credit card he was XXXX XXXX XXXX. 

AT NO TIME from the date my father opened his accounts at Bank of America did the bank experience him transferring large sums of money as only happened when he was XXXX XXXX XXXX in a time from of 2 weeks while he was XXXX XXXX XXXX before he died. 

My father did not own a computer. He did not set up his savings or checking accounts at any bank to be available to transfer money from his account to someone elses. 

In XXXX of XXXX when my brother XXXX XXXX was transferring the below funds illegally from my fathers account. 

I am grateful Bank of America returned funds later in XXXX when I found this had happened. Bank of America agreed this was not okay and got the money back. 
But On these dates : XX/XX/XXXX Online Banking Transfer conf # XXXX ; XXXX XXXX XX/XX/XXXX Online Banking Transfer conf # XXXX ; XXXX XXXX XX/XX/XXXX Online Banking Transfer conf # XXXX ; XXXX XXXX XX/XX/XXXX Online Banking Transfer conf # XXXX XXXX XX/XX/XXXX Online Banking Transfer conf # XXXX ; XXXX XXXX Total taken from XXXX XXXX Bank of America account {$10000.00} Why won't you make a police report. 
1. bank of America should not have allowed this to happen in the first place.

2. it is not an activity that has ever taken place on my father 's account to look like normal activity. 
3. this should have been flagged by the bank.

4. doesn't banks protect their customers?

5. this should have been flagged as not normal activity and possible fraud and my father should have been alerted somehow. and if he was, I would like to see the documentation of a letter or proof of the bank trying to reach him. Because if the bank did, then my brother also took that as well. 
6. You also noted to me that I am not the administrator of the state anymore, that the date expired. That is not correct information, but even if it was, This all took place as I was and all these transactions and communications back and forth with this bank was taken place during the original documented dates of the administrator of estate. That should not stop the bank from taking legal mattes with the person who took this money. 
7. bank of America XXXX allowed over XXXX of funds to be transferred to another account at bank of America from my fathers accounts. 
8. Bank of America needs to file a complaint, police report etc. on this person.

9. bank of America told me that I need to contact this person. No I do not. the victims of bank fraud and theft do not need to contact the criminal that victimized them, that is the bank institutions responsibility. You need to protect your customers.

10. My father was a customer of you bank institution for years with saving account, checking account and a CD. 
11. Why cant you just file a report. It could have been done several times in the time you have spent going back and forth with me writing me letters and doing the communications that has happened.

12. as for his credit card. you wrote that you don't see any activity of fraud. WELL ho w could you? i have been trying to file a fraud claim and list the charges that were not my fathers since XXXX of XXXX and no one has let me do it. when I call on the phone they say go into the bank in person and/or say they don't have my administrator of estate papers. ( which you do, because you informed me of the dates on my legal papers ). 
when I go into the bank they say call the fraud department. 
so at no time have I been given the chance to list the dates and items charged on my fathers credit card as he was in the hospital. YOU NEVER SEEN THE ITEMS TO TURN AROUND AND TELL ME THERE IS NO PROOP OF FRAUD. You wont ' let me give them too you. This is nuts. 
13 and I informed you that the XXXX and XXXX XXXX shopped in other states on a credit card that was not theirs and had NO authorization to use -and they paid the card payments with my fathers account at XXXX and at bank of America XXXX Paying back the card with my father 's money, that in the long run is other beneficiary monies. 

You have alloud my father to be stolen from to begin with. 
You have not takne professional responsiblity to take fraud claim on items for the credit card You have allowed things to happen to my father and his accounts and monies and it is unfair. 
yes again, I do appreciate helping to get the big fund amount taken from the savings account. very appreciated. but he needs legal action. 

I don't have that kind of money to spend on going after something and someone for funds taken and fraud on credit cards that should not have been aloud to begin with. 

non of this should have happened. 

The money taken from his savings account should have been flagged. 
There should be some documentation or history of b of a trying to contact my father for abnormal activity being taken place on his accounts. He was XXXX XXXX XXXX and this is elder abuse. and the bank needs to help with paperwork stating this took place and not fluff it off and tell me that bank of America will not be taking legal actions on the person and his wife that took over XXXX from an XXXX man 's bank account as he was in XXXX AND XXXX of those transfers took place after the date he died. 
This is insane and ridiculous that I have to keep fighting for this bank to take legal action. Like I wrote above. A police report filed by bank of America could have happened several times in the time frame spent on fighting with me and telling me no. 

It don't not make any sense that you refuse to file charges. 
Especially when bank of America should have protected my father at his age and noticed and flagged activity like this that happened. BECAUSE HE NEVER DID THAT SORT OF ACTIVITY in bank accounts, anywhere, but at bank of America. 
As a customer. He trusted your bank to protect his money My father had no medical bills, expenses or bills that needed paid before he passed or after he passed. No one was taking money to pay bills or help him. He had no expenses to cover like that. 

Please just file a report on this to the people who own the bank account with Bank of America - The people who account the funds were transferred to illegally from my fathers bank of America account at you institution into their own personal bank account at your institution needs to have legal action. 
The police tell me to go to you and you tell me to go to them. 
It is a game and ONLY PROTECTS THE CRIMINAL AND HONORS THEIR ILLEGAL ACTIONS TO STEAL MONEY FROM AN XXXX XXXX XXXX MAN IN XXXX THIS IS WRONG AND THIS IS ILLIGAL AND THIS IS ELDER ABUSE. 

Please help by taking responsibility and doing the right thing. PLEASE!! 

THIS WILL STOP HIM AND HIS WIFE FROM TRYING TO THESE ACTIONS TO OTHER ELDERLY PEOPLE.

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