Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In continuation to the existing complaints ID no. XXXXXXXX XXXX XXXXXXXX. I would further like to bring to your kind attention that I have associated with Bank of America for 11 years of time from XX/XX/XXXX to XX/XX/XXXX and maintained Bank account without any complaint as a loyal customer. As a customer i had called many times along with letters to Bank of America fraud department/risk management department to make them understand and explained my unfortunate situation, how the scam took place, and scammer asked me to sent the money to his address, his exploitation over messenger chat and requested to help me fraud settlement, as all my savings have been lost and psychologically a lot of disturbance after i lost my money in the scam without knowing me innocently, however, the Bank of America did not settled my claim eventhen. Please note that here the scammer was acting as my friend and as an Agent on Messenger App ( Scammer duplicated my friend 's messenger ID also, and was suggesting me to pay as Agent instructed ) when i had any doubt i used to contact my friend, i never know that he is also same agent, later after i lost my money ( XXXXXXXX XXXX ) after 3 months ( XXXX to XXXX XXXX ) i realized. I expressed my feelings and bad and practical situation stating that the Fraud can happen in any way its not compulsory that it should happen only online, however the Bank of America did not accepted my requests and keep on defending the matter and postpone the fraud claim. Due to this multi layers scam i lost approx for total of XXXX XXXX XXXX ( through fake cheques XXXX ( money withdrawn from bank and sent to scammers Florida address ( evidence available with me i am attaching herewith like address envelop where money sent, fake cheques which Bank of America could have avoided but there is no any such detecting mechanism with BOA to identify the fake cheques otherwise this i could not have lost my hard earned money ), Gift Cards ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( All gift card evidences available with me ) ( sample gift cards XXXX each for company wise i am attaching herewith for your reference. For Bank of America after 6 days of withdrawal of cash the cheques were bounced and bank balance was showing in ( - XXXX ) negative. Then i had to pay to bank from my own savings. While repaying to bank i was delayed for approx. ( XXXXXXXX XXXX XXXX for couple of months then in the mean XXXX Bank of America has reported to the consumer forums Chex systems and Early Warning systems stating that i had intentionally submitted the fake cheques to the Bank of america. However, i repaid back and cleared even above negative balance of approx XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, but still despite of my requests to Chex system and Early warning system they are not removing my name from the fraud list till today, due to which i am not able to open any new savings or checking account across XXXX any where for next 4 years, i am getting punishment due to my innocency. When i request XXXX XXXX XXXX XXXX XXXX XXXX they mention that Bank of America has to respond and give us the instruction to remove my name. I am thinking that i am being punished without any reason and paying a huge cost and valuable time for lobbying the Bank and consumer forums, really very upset. Due to above unfortunate incident i am experiencing a lot of phycological disturbance and even reported to Attorney General, New York State, due to loss of huge money on one hand and on the other hand not able to open any new accounts, very pathetic situation. Would kindly request you to intervene in this matter and resolve the same to settle my fraud claim from Bank of America and instruct the Bank of America to remove my name from XXXX XXXX XXXX XXXX XXXX XXXX as early as possible or i may have to hire a lawyer to file a suit against Bank of America which is more expensive for Bank of America to deal after that.

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 non-monetary relief