Consumer complaint received 2022-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
To Whom This May Concern : Claim Number : XXXX XXXX XXXX XXXX XXXX defines fraud as : all multifarious means which human ingenuity can devise, and which are resorted to by one individual to get an advantage over another by false suggestions or suppression of the truth. 

By definition, I am a victim of fraud, I informed Bank of America of such situation, as soon I became aware it. 

XX/XX/22 - I spoke with a BOA rep XXXX from Texas morning hours, informed me he would contact a manager/supervisor and they would call me later that day. Never received a call. 

XX/XX/22 - I spoke with XXXX from Texas XXXX at the end of the day as XXXX obviously never forward the call, XXXX XXXXnformed me she would transfer me to fraud. 

XXXX XXXX from Mississippi XXXX turns out XXXX didn't transfer me to fraud but rather she transferred me to pre-paid debt cards department, XXXX was nice enough to transfer me back to the general line after, I asked to be transferred to fraud. 

XX/XX/22 - XXXX from Alabama was a customer service rep, she heard me out and transferred me to the the customer service service supervisor. 

XX/XX/22 - XXXX from Alabama XXXX took the time to hear me out and transferred me to : XX/XX/22 - XXXX from Arizona XXXX I asked her why did it take XXXX people before I actually had the right person to talk. I had major concerns of how BOA deals with XXXX and fraud when I have over 15 pieces of documentation that shows and proves it was fraud, and not an authorized transaction but clearly a scam. I told her I had proof AND HOW IS IT THAT THEY WILL CONDUCT AN INVESTIGATION WHEN THEY AREN'T EVEN WILLING TO LOOK AT ALL THE DOCUMENTATION THAT I HAVE? 
She later informed me of the number I could fax. 

( Later to find out that BOA and XXXX are basically the same thing, and its BOA that will do an investigation on XXXX, that's like filing a complaint to XXXX who owns the blood bank. ) XX/XX/22 - I went to XXXX and faxed the 17 pages of proof to show it was a transaction based on a false premise. 

XX/XX/22 - XXXX from Texas XXXX claims to have received the fax told me to wait 30-45 business days. 

XXXX Spoke with XXXX from Texas after receiving a letter in the mail from BOA that they are not able to approve the recent claim. I informed XXXX that within the same letter I could have asked why it was not approved, so I asked why was it not approved?. XXXX literally told me, you have to wait 30-45 days for the other bank to responded as to why they didn't approve the claim. I said wait a minute XXXX, you are asking me to wait 30-45 days for my bank, my bank to reach out to another bank and ask them why my own bank didn't approve my claim? 
( Who trains these people ... ohhh they do it on purpose!!! ) Mail Date XXXX BOA mails me 1 letter that says : " XXXX XXXX as you requested if we used documents to resolve your claim, we've included them with this letter. 
Thank you for your patience while we researched your claim '' News Flash nothing was attached to the letter, not one document that I sent, nothing, nothing. This is coming from what is suppose to be the most reputable and prestigious banks in the country? 

I have attached all the documents that are relative to the case, mind you it is clear BOA didn't even bother to read any of the documents otherwise they would have made a different decision, and based on the letter they sent they didn't attach any documents. 

Which brings me to my initial point asking BOA to conduct an investigation on themselves practically, is like asking XXXX to conduct an investigation on the blood bank which he happens to own. This is not XXXX 's first day on the job, they have the money, tools, and network to protect their customers, but they don't. What is right is right and what wrong is wrong and this is wrong on so many levels. 

What is saddening is not only is the criminal guilty of fraud, but at this point I feel BOA is allowing and engaging in Fraud itself as they are doing everything to ignore and suppress the truth. 

XXXX 's XXXX XXXX defines fraud as : all multifarious means which human ingenuity can devise, and which are resorted to by one individual to get an advantage over another by false suggestions or suppression of the truth. 

XXXX

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