Consumer complaint received 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Date : XX/XX/year> From : XXXX XXXX XXXX, IL XXXX Customer Bank of America customeXXXX On XX/XX/year>, a typed, fictitious check was illegally and remotely deposited into my checking account ending in XXXX at Bank of America ( my BOA checking account ) from XXXX XXXX XXXX XXXX. I do not know this company, and never expected money from it. I did not know about this check until I received a phone call at XXXXXXXX XXXX EST the next morning on XX/XX/year>. The caller ID showed ( XXXX ) XXXX which matched the BOA telephone number in XXXX, FL, where I attend college. For just over 2 minutes, the woman asked me questions about the check. I never disclosed any personal information. Less than 30 minutes later, some one initiated a transfer of {$500.00} from my BOA checking account to a person named " XXXX XXXX XXXX. '' I do not know a XXXX XXXX. I never received a text message from BOA asking me if I made a XXXX transfer, and I never approved a XXXX transfer. BOA states that it sent a text message to me about this transfer, but I never received a message from BOA or approved any transfer using my phone. Later, on XX/XX/year>, BOA discovered that the XX/XX/year> check from XXXX XXXX XXXX XXXX was fictitious, and BOA took the {$500.00} out of my account- which was correct to do. We did not receive notice of this from BOA until XX/XX/year> via US Mail. 

Since XX/XX/year>, I have worked tirelessly on this matter. Even after hours and hours of pleading with BOA, it has refused to produce any records of its investigation on my behalf, and BOA has denied my fraud claim twice ( XXXX ). My claim is currently re-opened, and I am working feverishly to provide any additional information I can locate to BOA so it will reimburse my money and track down who did this. I froze my BOA checking account, transferred funds to a new BOA checking account, confirmed with XXXX that there was no SIM transfer or porting performed on my cell phone, yet I was never without my phone. One of my parents met with two BOA bankers for over 75 minutes on XX/XX/year>, and we filed a police report with the XXXX, FL police department, and filed a complaint with the FTC. XXXX states through many of its agents ( including Manager XXXX XXXX ID XXXX ) that XXXX  has no information about the origin of any alleged text/photo messages or the content of any alleged text message on the morning of XX/XX/year>. 

Importantly, strange short codes appear on my XXXX  bill on XX/XX/year>, but I never received any of these codes on my device ( XXXX XXXX XXXX XXXX ) : XXXX text messages IN at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX EST ) from XXXX and XXXX, XXXX PIC message XXXX at XXXX XXXX XXXX XXXX ( meaning XXXXXXXX XXXX EST ) from XXXX. 
XXXX message OUT to XXXX and another IN from XXXX BOTH at XXXX XXXX XXXX XXXX ( meaning XXXXXXXX XXXX EST ), XXXX message IN from XXXX at XXXX XXXX XXXX XXXX ( meaning XXXXXXXX XXXX EST ). 

I do not know what businesses these codes tie to or where they are from, but several internet searches indicate fraudulent activity related to BOA regarding the codes XXXX and XXXX. XXXX states it has no access to any of the content of the messages or pictures allegedly sent during this critical XXXX minute window. Something is very wrong about this situation. BOA is refusing to reimburse the fraudulent XXXX transfer of {$500.00}. I XXXX XXXX XXXX XXXX, and this money is highly important to me. 

Please assist. 

Thank you, XXXX

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