Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was robbed in XXXX, XXXX on XXXXXXXX XXXX. Within a few hours i notified Bank of America that my debit card was stolen. However, the account was proceeded to be drained over the course of the next two days. The fraudulent charges can be seen below. Regarding these charges, I needed to make two separate claims as the bank was not acknowledging all these charges the first time I tried to make the claim with a bank associate and so a manager needed to make a second claim for the remaining fraudulent charges. Despite this fact, they have already closed one claim from XX/XX/XXXX for XXXX dollars ( Claim ID XXXX ) because they've claimed that I had personally authorized these fraudulent charges. While claim XXXX is still open for XXXX it does not make any sense how the other claim can be so arbitrarily closed so quickly when all of these charges were clearly fraudulent and made in the same circumstances after i had already had the bank notified about the card and had it locked. 


All are fraudulent charges. 


XXXX ATM XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Debit - {$110.00} {$110.00} Processing XXXX ATM XX/XX/XXXX # XXXX XXXX XXXX XXXX Debit - {$160.00} {$220.00} Processing XXXX ATM XX/XX/XXXX # XXXX XXXX XXXX XXXX Debit - {$160.00} {$390.00} Processing XXXX ATM XX/XX/XXXX # XXXX XXXX XXXX XXXX Debit - {$160.00} {$560.00} Processing XXXX ATM XX/XX/XXXX # XXXX XXXX XXXX XXXX Debit - {$160.00} {$720.00} Processing XXXX ATM XX/XX/XXXX # XXXX XXXX XXXX XXXX Debit - {$160.00} {$890.00} Processing XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Debit - {$220.00} {$1000.00} Processing XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Debit - {$210.00} {$1200.00} Processing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Debit - {$120.00} {$1500.00} Processing XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount may change - waiting for final amount from merchant Debit - {$39.00} {$1600.00} Processing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Debit - {$5.00} {$1600.00} Processing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Debit - {$4.00} {$1600.00} Processing XXXX ATM XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit {$110.00} {$1600.00} Authorized XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX WA {$260.00} Refund Pending Funds will be reflected in your available balance once received from the merchant. 

Credit {$0.00} {$1500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bank Charge {$0.00} {$1500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} {$1500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX - {$0.00} {$1500.00} XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} {$1500.00} XX/XX/XXXX XXXX XXXX FEE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX View/Edit Bank Charge - {$0.00} {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX View/Edit Bank Charge - {$0.00} {$1500.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX View/Edit Bank Charge - {$0.00} {$1500.00} XX/XX/XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Bank Charge - {$5.00} {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Bank Charge - {$5.00} {$1500.00} XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX # XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$5.00} {$1500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX WITHDRWL XXXX XXXX XXXX XXXXXXXX  Bank Charge XXXX {$5.00} {$1500.00} XX/XX/XXXX XXXX XX/XX/XXXX # XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX Bank Charge - {$5.00} {$1500.00} XX/XX/XXXXXXXX XXXX XXXX # XXXX WITHDRWL XXXX XXXXXXXX  FEE XXXX Bank Charge - {$5.00} {$1500.00} XX/XX/XXXX XXXX XX/XX/XXXX # XXXX WITHDRWL XXXXXXXX XXXX XXXX Withdrawal - {$160.00} {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  View/Edit Withdrawal - {$160.00} {$1700.00} XX/XX/XXXXXXXX XXXX XXXX # XXXX WITHDRWL XXXXXXXX XXXX View/Edit Withdrawal - {$160.00} {$1900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX WITHDRWL XXXXXXXX XXXX View/Edit Withdrawal - {$160.00} {$2100.00} XX/XX/XXXX XXXX XX/XX/XXXX # XXXX WITHDRWL XXXXXXXX XXXX View/Edit Withdrawal - {$160.00} {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX View/Edit Withdrawal