Consumer complaint received 2023-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is a complaint concerning an unauthorized transaction of my Bank of America, SAVINGS ACCOUNT. 
On XXXX XXXX, 2023, I filed a fraud dispute complaint # XXXX, in reference to a, {$1900.00}, cash years check, issued to, XXXX XXXX ( as a unauthorized Power of Attorney ). 
I explained, the fact, XXXX XXXX, was no longer an authorized POA, based on the facts, she was only given " Limited '' Power of Attorney, with a " limited time frame '' of 15 days, ( on : XX/XX/2023 ), and a " limited amount '', of XXXX, access from my account. 
Withdrawal of this amount was done on : XX/XX/2023, confirmation # : XXXX. 

Both of which had expired/and was completed, at the time she was wrongfully given unauthorized access of this cash years check. On : XX/XX/2023 ). 
see attached : " LIMITED '' POWER OF ATTORNEY AGREEMENT/ DOCUMENT. 

Bank associates failed/failure, to secure this documented agreement, of the, " Limited '' Power of Attorney, on the files, of my account records... ( to properly process such ), in accordance with my requested instructions. Directly appears, to have given place to this unauthorized transaction. 

On XXXX XXXX 2023 ... 
Bank of America check fraud, investigation department, wrongfully, denied my claims Wrongfully, asserting the transaction was authorized... 

XXXX, 2023, ( Which is when originally ) this complaint was made known to the banking authorities, after I discovered all the facts about the transaction. 
I explained clearly the facts that : XXXX XXXX, was given " limited '' power of attorney, for 15 days on. XX/XX/2023. To obtain, ( only ) {$3000.00}, from my Bank of America, savings account. 
The authorization, was give on XX/XX/2023. ( 15 days ), Expiring approx. XXXX XXXX, 2023. 
The {$3000.00} limited amount was withdrawn, by XXXX XXXX, on XX/XX/2023, transaction/confirmation # XXXX. ( see attached account records ) By both reasons, and factors, all authorization given to XXXX XXXX, should have been expired, on the date of, XX/XX/2023 Making the cash years check issued to her on, XX/XX/2023, " UNAUTHORIZED '' ( by me )... 

In research of this incident, it was discovered, that the actual, document of the " Limited '' Power of Attorney was never properly put on the record file of my account... 

I not only explained the errors of the matter, but I also, retrieved the actual document from an attorney, ( XXXX XXXX XXXX ), which kept such on file in the records of a related matter. 

It was also discovered, " erroneously '', another Limited Power of Attorney, agreement with, XXXX XXXX, was being used, as review, in this matter, concerning the XXXX, between myself and XXXX XXXX. ( Which delt with different time frames and people. ). Which was on file... 

Causing the DOCUMENT of Limited Power of Attorney, between Myself, and XXXX XXXX, of great intrest and a need to review in this dispute. 
( Inwhich I went out my rightful way, to provide, for the banks records, review and investigation ). But this ( attached document ), seems to still be ignored as a reviewing factor. 

After the denial of my dispute. Multiple times, I requested specific fact steps and or evidence used to deny my claim. But been passively denied by unexplained delay, ( to date ). 
XXXX XX/XX/2023, I requested to speak with the supervisor in charge, because twice I've made a request to know the specific evidence used in the denial of my claim, and was lied to, by being told a supervisor, would give me a call back. Yet know one has called. 

Clearly in a review of the attached, " Limited '' Power of Attorney, agreement, between myself, and XXXX XXXX, ( attached ), it can be seen, her Limited, ( 15day ) Power of Attorney, expired approx. XX/XX/2023. 
Also a proper review of the attached account records will reveal, her limit amount access was, exhausted in the first transaction she made on, XX/XX/2023, of {$3000.00}. Which should have terminated her authorization to the existing funds of my account. 

In addition I discovered on XXXX XXXX, 2023, she had some how erroneously, been added as a permanent member, of my account... which I never gave authorization too... 
I had to go threw multiple conflicts with bank officials, ( " as if I was the suspect and not the victim '' ) to have her removed... 
Even to the point of having to get the bank fraud department supervisor, to order the banking center to act in accordance with my wishes for them to correct there error and remove her from my account... ( see audio recordings on XXXX ). 

By all right I should not be made responsible for actions taken with my account by banking official, I did not authorize... Especially in the case of losing access to my funds todate... 

The investigation of this matter was very unfair and disrespectful to my place as a client, and victim of theft of funds held by this banking institution.

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