Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On or about XXXX XXXX XXXX, 2025 I went on my Bank of America to check my accounts and pay some bills, after missing a week of work from having XXXX. Shockingly several thousands of dollars were missing. After reviewing my account there were charges from XXXX in two separate transactions totaling {$2600.00}, and were picked up in a completely other state, not where I live in Maryland. Next, there were XXXX charges for exactly {$150.00} from a XXXX XXXX and XXXX for {$89.00} from an XXXX XXXXXXXX purchased through my XXXX XXXX that had my debit card on file for purchases- There were XXXX exactly the same XXXX grills ordered and XXXX XXXX XXXX XXXX watches- I did try to message these stores to say the purchases were fraudulent, please do not send if you have not shipped-and my address is listed as the shipping address, but these orders never made it to my house ; that is over my pay grade, but BOA should have employees who can figure that out, as they are citing the reason is my address was the shipping address- Ok well I am sure high level scam artists know how to intercept it, was there a tracking? how were these items delivered? How about you dig a little deeper BOA investigators!!! I dont have XXXX XXXX  grills and XXXX watches!!! Who ever did this investigation should be fired! I filed a dispute, I received my temporary refund on the last legal day possible, and was told the it would take 45 days for the final claim. The next day, my XXXX account that was connected to my XXXX that my bank account was attached was also hacked. There were XXXX charges back to back totaling {$1200.00}. This actually infuriates more than the actual theft. I can't tell you how many times I have been out of state on Vacation at the grocery store, and they will decline a {$200.00} charge for being suspicious, but not one time in all of this did anything look suspicious enough to decline it? I am not sure how Bank of America Executives live, but about {$6000.00} missing from make bank account is going to be a very life changing, especially while you take the MAX amount of time you can to even provide a temporary credit! Fast forward to XX/XX/XXXX I see all these Debit/Holds for the each transaction for the XXXX charges from XXXX XXXX  and XXXX XXXX, and then see on my app that they have found these transactions not to be FRAUDULENT! Why in the world would I buy something XXXX times and 3 times for the same amount? Why is it that the XXXX Transactions were fraudulent, but not these? All in the same XXXX hour period? Is it possible that XXXX refunded the amount so it didn't come out of the banks pocket, but these would? I find this to be absolutely unacceptable. I am a hard working mom of XXXX girls. I worked as a teller for this bank for 5 years while I was in college, I have been a member of this bank for over 28 years. I just finished XXXX XXXX, and was getting to open my first business account, and a separate retirement account with them. Divine intervention, I wouldn't trust this bank with any of my money or investments. I truly hadn't put much worry into this, I have had some fraudulent activity before on my account and my Credit Union took care of it that day. Now after I have worked XXXX XXXX hr shifts and have to do it again tomorrow, I am sitting up at midnight trying to figure how to make BOA make this right, and move my money to new accounts ASAP. To note I did make file with the FTC when this originally happened. Due to the extensive hacking- my XXXX, XXXX XXXX, Bank Account XXXX email-changed to a foreign language when I was able to get back into it, even my credit cards were affected, I went onto my XXXX  XXXX App and all XXXX of my CC 's had pending payments to pay off all my cards via my bank account that was stored on the account to make payments. So, I took all the proper steps- I notified the bank, filed with Federal Trade Commission XXXX changed all my passwords, filed the dispute with the bank, and now I am stuck trying to navigate making BOA do what is right and LEGAL.

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 monetary relief