Consumer complaint received 2024-10-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This is a revision with pertinent additional information to the Complaint ID XXXX. On Thursday, XX/XX/XXXX- the woman impersonating a Bank of America employee not only spoofed a Bank of America number but also sent me a text with a link to click through to enter in my bank account information. She took full control of my bank account and sent the wire herself from her computer. The IP address from which the wire was sent from has never been used before or since the wire fraud. 


On Tuesday, XX/XX/XXXX - Business and personal credit/debit cards were stolen from my office. The thief made gift card purchases at XXXX and XXXX. Those funds were returned. My accounts were locked pending receipt of new credit cards. 

Thursday, XX/XX/XXXX Woman impersonating a Bank of America employee called at XXXX and XXXXXXXX XXXX  EST from a spoofed Bank of America number ( XXXX ). I have provided to Bank of America via fax, the cell phone call logs with the spoofed number and I have attached to this complaint as evidence. Wire transfer was initiated at approximately XXXX XXXX to a XXXX account. I identified 2 numbers related to the wire transfer. ( XXXX and XXXX ). I alerted Bank of America within 15 min of the transfer that it was fraud. Amount of the wire transfer : {$55000.00} Recipient : XXXX XXXX XXXX account : ending in XXXX Fraud recall of that wire transfer was initiated at XXXX XXXX ( Claim # XXXX ). Bank of America said they alerted XXXX of the fraud shortly thereafter. All our business accounts are frozen. I filed a XXXX XXXX police report, FBI report, and the FTC. 

Friday, XX/XX/XXXX - Wire transfer completed to XXXX XXXX at XXXX XXXX. Fraud claim submitted with Bank of America ( Claim # XXXX ). The same " Bank of America '' woman from the previous day called again at XXXX XXXX. I have a recording of her stating she is a Bank of America employee who called the previous day " helping '' me prevent wire fraud from occurring. A XXXX employee ( XXXX from XXXX XXXX - XXXX ) called my business line to ask me whether the wire transfer was fraudulent. I confirmed it was fraud and XXXX proceeded to freeze XXXX XXXXXXXX XXXX account. The thief was able to withdraw XXXX in XXXX XXXX XXXX area before the account was frozen. On a recorded line, XXXX stated my money less the XXXX was still in the account and XXXX would be responsible for returning all the money including the XXXX that was withdrawn by the thief. XXXX should have multiple images of the thief at various ATM 's and at teller stations. 

Friday, XX/XX/XXXX XXXX Bank of America denied our fraud claim with absolutely no mention of the recovery of my remaining money ( {$42000.00} ) in the frozen XXXX account. 

Saturday, XX/XX/XXXX - We were able to contact a Senior Fraud Representative at XXXX. They confirmed that the XXXX account my money was transferred to, is still frozen and that Bank of America has not done their part to recover the money. 

Monday, XX/XX/XXXX - I contacted Bank of America to open a reconsideration and to recall all of the money in the XXXX account. I received this number : XXXX. Bank of America rep indicated that they had not reached out to XXXX to recall the money while they did their internal fraud investigation. Yet, in review of the wire history in my Bank of America portal states the wire transaction was " Confirmed Fraud ''. 

Tuesday, XX/XX/XXXX - I received in the mail, a second denial from Bank of America, of our reconsideration. That is revealing Bank of America could not have completed an investigation, much less a thorough investigation, to mail a denial 1 day after I requested the reconsideration. 

Tuesday, XX/XX/XXXX- I have yet to hear from Bank of America about my money in the frozen XXXX account and it's been over a month.

I am entitled to my money while this is under investigation. I have never sent a wire transfer. As an acupuncturist, I never move this amount of money. Is Bank of America practices allow for this to happen without any safeguards or protections for their customers - not a phone call confirming, allowing wire transfers online, etc?