Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I'm Filling a formal complaint regarding Bank Of America 's denial of my Fraud claims involving two unauthorized withdrew totaling {$1700.00} At XX/XX/XXXX ( XXXX ) around XXXX, I received a verification code text message from BOA, but me and my wife did not requested it, so I logged in to my online account, and I found out there're XXXX transactions are just posted on my checking account wasn't me and wife authorized, someone deposited the check into my account amount of XXXX and withdrew the XXXX cash on my account as the same time in XXXX, so I called the BOA immediately right after the cash withdrew, and I asked BOA to frozen my account, and I asked if my another accounts are safe, BOA told me YES those are safe. on XX/XX/XXXX, there were another check amount of XXXX was deposited into my frozen checking account in XXXX, no money was withdrew, due to account frozen, and I called BOA to report it, ask them if I need to file another claim regarding this deposit, they say " no, the account already been frozen ''. XX/XX/XXXX, Me and My wife went to BOA branch to open new checking account, and we asked " please put the note or your system, verification code needed all the time for all transactions, even when I present my DL with teller the verification code are needed '' they said okay we'll do that, will put the remark on your accounts, But they never did. But XX/XX/XXXX ( XXXX ) there were another check amount of XXXX deposited into my new checking account I just opened, and withdrew XXXX from my saving account in XXXX, both me and my wife are at work, both our team member in our office can be a witness, and we just found out these two transactions on XX/XX/XXXX, and we file another claim, and then they're finally put the remark or their system the verification code are needed all the time. I filed the police report and provide the XXXX XXXX to BOA, and I just got the denial letter for both claims, XXXX of letter said I'm the one who received the benefit of the fund and another letter said me or my client authorized the transaction therefore the check was authorized without any documentation or evidence to support these determination. Me and my wife was living in XXXX, we nearly never use the BOA branch in XXXX for all the banking needs, we open the bank account in XXXX but we moved to XXXX in XXXX, we never use XXXX branch to deposit or withdrew, we only use mobile app to deposit my wife 's payroll every month, but their system always shows the location are XXXX, we had all checks that we deposited with BOA mobile app. I called BOA to find out why they denial the claim, they told me base on the recent transactions on my bank history and also the teller got my driver license #, the person who took the cash from my account not even know my account # they just use the fake Driver license and the phone # successfully took the money from my account, it is ridiculous, also I just email them my Pic and my Driver license then they can match the person on the surveillance footage. To Be clear. I DID NOT DEPOSIT ANY CHECKS AT XXXX BRANCH. I DID NOT WITHDRAW ANY FUNDS. I DID NOT PROVIDE MY ACCOUNT INFORMATION OR PERMISSION TO ANY THIRD PARTY. I DID NOT AUTHORIZED ANY TRANSCATIONS. I requesting BOA, 1. provide all investigation records related to these claims. 2. provide deposit slips and withdrawal documentation. 3. provide signature verification analysis. 4. provide surveillance footage confirmation. 5. the teller worker ID #. I'm seeking reimbursement of the unauthorized XXXX and a fair review of my cases.

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