Consumer complaint received 2023-12-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Claim Number : XXXX PLEASE HELP Dear Sir, PLEASE HELP I am writing this third letter in order to make things clearer & to state whats has been going on with me. 
I have been calling to follow up on this claim everyday since I have known and when your agents have given me fax numbers which were XXXX & XXXX & the email XXXX in order to send the documents that are solid evidence that proof that these funds are mine. 
Yesterday, I have called and an agent who was XXXX told me that she can see the documents and she has voided the cheque that was going to be sent to my Mothers Ex as the bank didnt see the documents and she will ask for reconsideration. 
Today, I have called from a couple of hours someone told me we dont know anything then I called just before sending you the previous XXXX e-mails and an agent called XXXX told me that the previous agents were giving me wrong information and they were acting as I am the one who initiated the claim and not the claim was initiated against me from XXXX XXXX XXXX XXXX XXXX and I should send the documents again to this email XXXX in order the analyst can review the case and the fund is on hold. 
I dont understand how this can help with a huge reputable financial institution as you and with a fund XXXX, XXXX XXXX 
How can you do this with a customer that decided to deal with you and to put his money in a safe entity ( Bank of America )? 
I need an explanation for all whats going on and I will walk you through the case again, so as mentioned before I am XXXX XXXX XXXX XXXX XXXX an American Citizen holding an XXXX XXXX  XXXX & also have the XXXX nationality, lives in North Carolina with a social security number XXXX, holding a driver license with the number XXXX, my address is XXXX XXXX XXXX XXXX, XXXX NC XXXX, XXXX XXXX XXXX  XXXX, my phone number is XXXX, Email address is XXXX. 
I have opened an account at Bank of America in North Carolina XXXX in XX/XX/XXXX. 
My account number is XXXX, I have received on XX/XX/XXXX an amount of XXXX $ ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) and on the XX/XX/XXXX, an amount of XXXX $ ( XXXX XXXX XXXX ) from an account in XXXX XXXX  XXXX XXXX XXXX the account was under the name of my Mothers Ex ( XXXX XXXX ) holding a XXXX XXXX number XXXX & holding an XXXX XXXX with the number XXXX. 
I have experienced a very awkward situation with the Bank of America, My Mothers Ex transferred the XXXX, XXXX $ to my account XXXX & card number XXXX, the funds were in my account for XXXX months then my account was closed all of a sudden and the money was frozen and the bank didnt inform me anything. 
In addition, I have called the banks customer service several times and was treated very badly from their side and wasnt informed about anything and then finally they told me that the money was reviewed without clarifying the reason for this issue and I have waited 1 month & half with no response and same horrible treatment & I have done a claim at their side which also ended with no information. 
However, I have decided to do a claim in the Consumer Financial Protection Bureau in Washignton. 
My claim number in the Consumer Financial Protection Bureau is XXXX. 
Moreover, XXXX weeks after submitting this claim to the consumer financial protection bureau I have been called by the bank and someone informed that XXXX has recalled the wire transfer! Or as another associate told me that the original wire was reported fraud when I called several times to try to understand what happened. 
I am kind of shocked that I, as a customer of Bank of America was treated like this and the actions that were taken against me according the speculation of the information received from the XXXXXXXX XXXX XXXX XXXX without any solid evidence & even giving me any rights or even believing in the benefit of the doubt or taking into consideration the proverb that says the accused is innocent until proven guilty. 


Although, XXXX  XXXX has informed his bank about something that is a lie and false accused me to his bank without any proof as I have proven to you by all proofs & evidences that were sent earlier from my side which included the following documents 1. My birth certificate indicating that my mother is XXXX XXXX XXXX. My Driving license Copy & Copy of my American passport XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) ( XXXX XXXX ) XXXX XXXX XXXXXXXX & its translation in English 6. E-mail from XXXX XXXXXXXX to my mother XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that he transferred to her this amount to buy a XXXX which was agreed between them & its translation in English 7. E-mail from XXXX XXXX XXXX XXXX XXXX to XXXX XXXX ( XXXX XXXX ) concerning the funds & the XXXX bought by this amount & its translation in English 8. Statement from XXXX XXXX ( in XXXX ) that there was a house bought by XXXX XXXX by this amount & its translation in English 9. Email from XXXX XXXX ( in XXXX ) that this XXXX was bought as agreed before 10. Email from XXXX XXXX XXXX XXXX XXXX as he was inviting my mother ( XXXX XXXX ) to come to XXXX and also the ticket from XXXX to XXXX bought by him was attached to the same e-mail that was sent to the XXXX XXXX  11 . Photos with XXXX XXXX XXXX XXXX XXXX XXXX XXXX mother ) & me together in XXXX which indicates that he was a family member & a lot of photos of him & my mother XXXX. XXXX screen shot that my mother is informing him that the money ( XXXX, XXXX $ ) and this proves that he has transferred the money by his own will & he was lying by his submitted claim XXXX false accusation was taken into consideration because he is the customer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX didnt investigate the case before reporting to you ( Bank of America ) however, I am your customer received a very horrible treatment from your side again without investigating and harsh decisions were taken from your side as a verdict of the false accused case that was implemented by XXXX XXXX XXXX XXXX XXXX XXXX  XXXX which were the closure of my accounts without stating any reasons and when I tried to know the only response that I have received was its a business decision and not only that but also freezing my money and when I tried to understand why nothing was informed from your side except after my complaint to the Consumer Financial protection bureau XXXX 
This verdict which was freezing my money & harming my reputation wasnt neither expected nor acceptable from your side to an honest Customer that gave you the preference to save his money which is an important manner for anyone without investigating or even informing me with the case. 
However, I think that when you press charges to someone you should have a solid evidence and inform him about it which wasnt in my case everything was mysterious till my complaint to the consumer financial protection bureau. 
On the contrary, I think if any other bank would have respected his customer by at least reaching out to him in order to take the right verdict and not throw accusation as the other two parties did ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) but this wasnt done from your side I am really suffering & struggling from this awful treatment till now as it has very enormous impacts on me materially & morally as I have spent many time with you on the phone struggling with your customer service trying to get information about this false accusation and trying to clear to you the picture that it was a false accusation and this time was during my working hours which has caused me so much trouble at work because I was using the phone for too long. 
Even though, Im struggling financially as you have frozen my funds without any rights and Im living on my credit card which is another matter of trouble because as you know that this money that is credited will be returned all with interest. 
Furthermore, Im struggling with a health problem as I have a problem with my XXXX and due to your bad & horrible treatment I cant pay the cost of my XXXX XXXX. 
I have concluded from all this experience that you dont care about your customer even if he was dissatisfied and false accused by someone who was actually considered as a family member and decided to do illegal actions by false accusing someone and harming his reputation. 
I have also attached this time some new documents in order to proof to you that I was false accused as my mother & XXXX XXXX XXXX flying tickets to XXXX XXXX XXXX XXXX XXXX in order to proof that he came to XXXX several times. 
The question that I have in mind is why is XXXX conspiracy theory has got the acceptance of XXXX XXXX  XXXX XXXX and of you ( Bank of America ) without any solid evidence, however he has transferred the money on the XX/XX/XXXX ( XXXX $ ) and later on XXXX $ to the same account on the XX/XX/XXXX and waited for XXXX months which was after he came to XXXX again and returned back to XXXX and had the conflict with my mother and then reported that the original wire of the amount ( XXXX $ ) was fraud and not the other!. 
I dont think that its possible that if you buy a car and transfer the amount to the agency and then claim after XXXX months that the wire that was transferred to the agencys account was fraud can be acceptable by any party which is an awkward situation I am actually facing now. 
Please take in consideration that I have been struggling for this matter around 3 months now which means to you around the XXXXbusiness day even after submitting my first letter and the above-mentioned documents, I am informed from your claim department after calling them that you have sent asking XXXXXXXX XXXX XXXX  XXXX about their answer concerning this matter! Are you waiting for their approval in order to return my funds even after your analyst reviewed the submitted documents? Although, XXXX XXXX XXXXXXXX XXXX didnt put any efforts as a respectable & reputable bank to investigate the case, however, they ( XXXX XXXX XXXXXXXX XXXX ) threw assumptions at me and you ( Bank of America ) have given me a harsh verdict ( freezing my funds ) according these allegations & assumptions. So, are you still waiting again for their final decision?! 

As a matter of fact, I request that you take the fast & correct procedures & actions and return the funds to me because I have proved to you by solid evidences that this fund is mine. However, what I am facing from you by all means is a shame & dissatisfying treatment to your customer & harm to my reputation, I need an official statement indicating that XXXX XXXX XXXX XXXX XXXX XXXX have reported that the original wire was fraud in order to sue both parties and to file against them a defamation suit. 
I need an explanation for whats going on against me that several agents are giving me a wrong information. 
Many thanks for your understanding & cooperation. 
Regards, XXXX XXXX