Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My account with Bank of America faced number of fraudulent transactions, apparently through my debit card and XXXX. No one has access to my card or my laptop or phone to be able to access my bank account. 
I also incorporated XXXX and XXXX for added security. 
All the instances of fraudulent transactions from my bank account ( apparently through debit card ) were amicably resolved by the bank and funds were adjusted. 
However, there have been continuous attempts to defraud me through my XXXX account with Bank of America ( BOFA ) by some hacker group and I have worked with BOFA to resolve all issues, except two. 
XXXX. I believe it all started with the hackers trying a test transaction on XX/XX/XXXX. There was an attempted transfer of funds ( {$1800.00} ) to my son in his phone number, but this was blocked by BOFA on suspicion. While I did send him money through XXXX before, I did not initiate this transaction to my son at XXXX. BOFAs suspicion was correct, though I do not know what triggered the suspicion. See attachment Bank of America XXXX Online Banking _ Payment Activity - blocked 1.

2. Then there were 2 attempts to transfer money from my XXXX account to XXXX XXXX nwude with the phone number XXXX, on XX/XX/XXXX and XX/XX/XXXX. These were also correctly blocked by BOFA. I was contacted by BOFA fraud team to inquire whether I initiated the transactions. I confirmed that I do not know anyone by the name of XXXX XXXX. See attachment Bank of America _ Online Banking _ Payment Activity - blocked XXXX and Bank of America _ Online Banking _ Payment Activity - blocked XXXX Even after XXXX fraud attempts from the same phone number XXXX, BOFA did not take any steps to ban this phone number from accessing its system to continue to defraud others. 

XXXX. I have a recurring payment of {$850.00} to pay my rent. The payment was made for XXXX XXXX with the phone number : XXXX. 
( Because of the fraud activities, BOFA decided to close my bank account no. ends with XXXX and opened a new account that ends with XXXX. ) The hackers attempted a transaction of {$980.00} on XX/XX/XXXX under the name of XXXX XXXX ( my land lady ) but with the phone number XXXX, the number that was used repeatedly by the hackers. This attempt was blocked by BOFA. 
There was again an attempt to send money to XXXX XXXX on XX/XX/year>, using the phone number XXXX. This is also correctly blocked by BOFA. But all these transactions are removed from the history by BOFA, so I can no longer view the transactions and provide copies. 
But another attempt was made to XXXX XXXX on XX/XX/year>, using the phone number XXXX. This was not blocked by BOFA. See attached Bank of America _ Online Banking XXXX Payment Activity Center - Paid 2 There was another transaction of {$50.00} on XX/XX/XXXX, using the phone number XXXX that was not blocked by BOFA See attached Bank of America _ Online Banking _ Payment Activity Center - Paid 2. This was also addressed to XXXX XXXX and I realized much later that my land lady never received the money and didnt inform me. I just assumed that she had received the money. 
I have filed claim against these XXXX transactions. I did not initiate those, nor do I know the person that has the XXXX. How did BOFA manage to block the fraudulent transactions from XXXX in numerous instances and but not other times and blaming me for inputting wrong phone number! 
Because of BOFAs failed system to protect my account from fraudulent transactions, they are refusing to take any corrective action and reimburse me for my losses and instead blame me for these incidents.

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 explanation