Consumer complaint received 2021-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I noticed a fraudulent charge on my bank of America checking acct. It was shown as XXXX XXXX XXXX CHARHED amount was {$510.00}. This charge did get approved by my Bank. The second charge was to XXXX in amount of {$790.00}. My bank did not honor it. However ; both these charges listed that they were through XXXX. I call the number associated with the charges and they did answer the phone as XXXX. how may I help you ... .I explained these two fraudulent charges to the man named XXXX . He said it would take a few minutes to find the charges & investigator and he would call be back shortly. He did call me XXXX. He said that no routing info or CC # was on file for my acct. He then asked me to log into my home computer and put my card info back so he could refund the two charges ( XXXX and {$510.00} ) .... so, yes I should have known better but it was XXXX and I needed that money back in my acct. So I did not use my banking acct & routing info in. As he asked me to do., I only put in my debit card info, he was not happen about that. He did said the money would be in my acct the next business day. So on XX/XX/2021 I started receiving texts from my bank asking me to verify the following charges to process : {$500.00} XXXX XXXX XXXX I immediately called fraud dept at my bank and told them I was not making any charges on my debit card. My bank declined all of them, thankfully .... 
Today I had written done the two companies that said they were to XXXX. One was XXXX XXXX and the second was XXXX XXXX. I called XXXX XXXX  and learned that this happens daily with them ... I looked up FTC and surprised to see that the FTC said they had successfully stopped this scam ... ... but I'm contacting you to let you know that they are alive and well and scamming people like myself everyday. 
I was very angry so I hit return call to reach XXXX at XXXX ... ..He actually answered me. And said he would call me back at XXXX XXXX  and make sure I had my computer on so he could refund my money while I waited. It just so happened that I was I'm my bank when he called. I put him on the speaker so the branch manager could hear XXXX. They told me to contact you guys and that my {$510.00} wouldn't be refunded for 7-10days. I am XXXX yrs young. I get XXXX from Social security and that has to last till next month. That fraudulent charge is almost half my total income. I gave bills to pay and I'm having to call them to tell them the payments will be late this month ... I'm very upset over this, I really should have known better. But when you think your speaking with XXXX I didnt think anything of it ... ..i pray you catch them and throw them under the jail ... ..if you need to contact me my # is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX And that XXXX person read my address to me to make sure he was talking with me. So they know everything about you when you call them ... ..

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