Consumer complaint received 2021-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX by XXXX XXXX XXXX XXXX On XX/XX/XXXX I was awoken in the middle of the night with fraud text messages saying do I recognize these charges on it had a XXXX XXXX for XXXX and another for XXXX. The previous days I had made the same exact amount of payments to a XXXX XXXX for XXXX and XXXX XXXX for XXXX. So in the middle of the night after receiving this text I put yes. Because I thought it was charges that I had legitimately made. A few minutes later I logged into my app and saw that there were charges that I may not have made or they were double charges so I immediately called Bank of America and the agent thought that the charges for {$1.00}, XXXX and XXXX had just been duplicated but they were declined and I had nothing to worry about. 


After finding out all these charges I text XXXX XXXX who I initially sent the {$1500.00} can't pick me who I sent the {$50.00} to because I thought the charges would not get to them I didn't understand quite what was going on. 


A few days later I noticed charges for {$450.00} and {$500.00} on my Bank of America account checking account. While busy at work i immediately called boa and said I did not make these charges and filing a claim. I was busy at working could barely hear and the agent mistakenly put all the charges for that day on the account I'll call the next day to correct that original plane that was for over {$2000.00}. An amended it for {$950.00}. 

I also tried to reach XXXX XXXX but could not reach them initially but I eventually reached them and they told me that they do not see these charges in my XXXX XXXX  that someone must have used my debit card and use it in their XXXX XXXX and to contact my bank. I have had my debit card in my possession 100 % of the time the only times it has not been in my position is when I have made purchases. 

I received a letter on XX/XX/XXXX that I checked through my laptop that the claim was denied because they are saying I made the charge or someone I know made the charge which simply is not true. 

I called them back and reopened the claim and gave them more information and ask how can I send documentation they told me that they do not need this documentation that I am sending you now. I am out the United States so I could not send the document US mail but I was willing to send the document electronically and they had no method for me to send it electronically. 

I have been without my money for over two weeks. 

And the documents you will see that everything I am saying is true I have no idea who spent {$450.00} and then {$500.00} by the name of XXXX XXXX. 

This was also done to my associate credit union account and I filed a claim with them and they immediately returned my money. Same exact name I had not given my card information to anyone I barely use that account I use it primarily as a savings account. 

Matter of fact my XXXX account has been compromised since then wear a decline charge for {$750.00} was sent to me via text. I had that credit card with me. I had not used in months ahead in my possession. 

I received information on my XXXX password that my account had been compromised also I have XXXX which recently had a data breach.

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