Consumer complaint received 2015-07-06
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Re : Complaint of Fraud. 

Dear Investigative Agent : My name is XXXX XXXX XXXX and on XXXX/XXXX/2015 I opened a checking account at Bank of America located at XXXX XXXX XXXX, XXXX TN XXXX and received a Debit Card ending in XXXX. XXXX XXXX was the individual that opened my account. I went to the Bank of America mentioned above on XXXX/XXXX/2015 to activate the debit card I was given ending in XXXX. Immediately afterwards I went to XXXX to get a movie using the card that I just activated ending in XXXX. XXXX gave me a message that the card was unable to be authorized so I went into XXXX to make a Debit Card purchase and it went through. Since I was able to use the debit card end in XXXX in XXXX I thought it was just that particular XXXX machine that was having problems so I tried another machine. When I went to XXXX and tried the XXXX machine there it did not work either so I purchased some candy using the debit card as a credit card and it worked. Since I made XXXX purchases using the XXXX different functionalities of the debit card and they both worked, I figured that the zip code was incorrectly entered into Bank of America 's computer system as XXXX asked for my zip code to process the transaction. I then went home to login to Bank of America to check my zip code and it was correct. Being perplexed as to why my card ending in XXXX would not work at XXXX, I went online to see if the debit card ending in XXXX had been activated. Following the links to activate my newly received debit card under my account, even though I thought I had already done so at the ATM, I discovered that the debit card that Bank of America showed I was issued ended in XXXX and it only showed XXXX debit card issued and no temporary debit cards. I immediately called the lost card hotline to report the card ending in XXXX lost. Upon speaking with XXXX I was informed that the card ending in XXXX had attempted to be activated but the wrong pin was entered. If XXXX made a mistake and entered the wrong number into the Bank of America computer system for the debit card he gave me when he opened my account, there would have been no attempts to activate the card ending in XXXX because that card would never have been issued to anyone. If my checking account was assigned the debit card ending in XXXX how is it possible that I was able to activate a different debit card than the one on file in Bank of America 's computer system and use that debit card to make XXXX different purchases using both the debit card and the credit card function. Upon further investigation and after viewing the account summary I was given, I noticed that there were XXXX debit cards tied to my checking account on the account summary I was given, XXXX temporary and XXXX permanent but on the online debit card activation page there was only XXXX debit card listed. The temporary debit card ends in XXXX and the permanent debit card ends in XXXX. The permanent debit card is the one that Bank of America will mail to me with my name on it. Since it will have my name on it and needs to be mailed to me one can conclude that at the time I was given the temporary debit card, the permanent debit card was not in existence. One can also conclude that it would take more than a day for anyone to receive the permanent debit card since it has to be created then mailed to the recipient. According to XXXX the representative of Bank of America I spoke with when I dialed the number for Bank of America to report a lost debit card, a person tried to activate the debit card ending in XXXX on XXXX/XXXX/2015 at approximately XXXX EST. How is that possible if the permanent debit card assigned to my checking account ending in XXXX had not been created? When a person receives a temporary debit card upon opening a new checking account, .... COMPLAINT INCOMPLETE NEED MORE ROOM