Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX I received a email from XXXX requesting id verification I did it the following day. On line I'd me app XXXX XXXX XXXX  submitted I was locked out of my account since then and couldn't get no one on phone or online emails I sent letters XXXX for yrs now I couldn't get on line into my account so I called boa because last month they sent me a check XXXX dol with a apologies for not being able to access my account. A apology of XXXX $ for me being unable to access my account online so I had them read transactions to me n I had over,XXXX dol stolen from my account n I filed a claim n 12 to 25 days later they sent me letter telling me that I had authorized or given someone permission to use my account???? How's that when I've not been able to use my account my self or get any help online because it takes XXXX to change the correct address n phone number n they had the wrong both on there info .I 've not been able to access my account do to identity purposes n to get hold of XXXX XXXX a XXXX XXXX about XXXX mo ago while on XXXX XXXX seen ad whme can unlock ur laptop cked XXXX claim so I called the lawyer was able to make XXXX way call with XXXX n we established that my accounts been frozen since XXXX XXXX for identity purposes which I completed with the following day XXXX XXXX through the I'd me app both video verification n self service verification thats when I learned that my account was frozen still for id reasons n I let the lady know that I submitted n have proof of submitting the I'd verification on the following day n that's was all the lawyer I was talking to would let me say she disconnected the XXXX way call XXXX then I lost her info XXXX I realized I don't need lawyer I can get hold of XXXX XXXX boa my self XXXX get things handled so I got a hold of boa found out that my account was missing XXXX??? Thousands of dollars n I filed a claim n they sent me letter few weeks later denying it???? They sent me a apologies check last month for not being able to access my account for so long heres {$4000.00} ur don't have to pay nlback to show u we are sorry u were unable to access ur account n they denied the claim saying I authorized or gave someone permission to use my account n how's that when I couldn't ever access my account any info I had if I gave it to any one wouldn't have given access just like it don't with myself trying so how's that I gave someone myinfo to go to my account to steal all my cash transferring XXXX : at times to another account n if they paid any thing to the thief 's that did this it's not my fault they did it to the ones responsible for stealing it in the first place my guess if thats st there saying I'm not following there reason to tell me that XXXX more then XXXX is gone from my account n they acknowledged that I've been laying cked out of my account but there going to say that I ATHORIZED it to be stolen or I gave them the info they used to steal my money but I don't have access to it my self so how did I do that I'm wanting my cash returned to my account XXXX had to change the address or phone number so who ever working in there company is my best guess n there probley responsible fur the address n phone number change done they probly got hackers working for there company at XXXX or hired a bunch of insecurity checked people to take home large amounts of claims during the pandemic they were so swamped that they allowed newly hired unreferenced n cleared people profiles n claims with people complete names dob n social security numbers XXXX all the rest that goes with a account at XXXX to fime claim to thief 's because they were so swamped in claims they needed people working 24 7 I don't know where the people that stole my account from got the info I'm not that smart on computers but someone was able to get into my account n drain my account XXXX dol n I made a legit claim wanting my cash put back in it XXXX they dented my claim when they just sent me a XXXX XXXX curtosy check due to the fact that I wasn't able to access my account for so long there sorry XXXX dol check not have to pay back for a apologies now yh there denying my claim saying I authorized it I didn't have access to it how did I do that I want my claim for the XXXX over that XXXX XXXX XXXX or? XXXX put back in my account where it belongs XXXX they are by law responsible for its safety n they didn't keep it safe or there system is really weak for hackers to break in the account I donteven know the correct log in or password how did I authorize any one other the my self I never have it's just a way to try to not give my money they allowed some one other then me go into my account transfer it to other accounts n got my money from my claim n the facts are facts I never gave no knee access I didn't have access they admitted they realized that yrs later n paid me curtosy check in amount XXXX dol so I called on phone we went through my account from the date XXXX XXXX when she read back all the transaction that was made on my account I was shocked XXXX it XXXX XXXX taking from my account n I want my money that they allowed someone other then me access my account n drain all my money out without any security bots recognized it n flaggibg it or any thing I'm mad n I want the money want my money out of there weak security system n I want my account closed after my money is returned n I got access to take it out

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