Consumer complaint received 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Report of XXXX XXXX / Crime On XX/XX/XXXX, I read a Text Message from XXXX ( XXXX ) XXXX, written at exactly XXXXXXXX XXXX, which identified itself as coming from Bank of America : Debit Card Activity. 
I read this message around XXXX am. The message asked me if I had authorized a Debit Card Transaction on XX/XX/XXXX of {$3700.00} to Merchant : XXXX XXXX in North Carolina. Responding to the option on the Text, I texted back ( XXXX ) o SCREEN SHOT AVAILABLE Next I saw on my XXXX, another Text message, which I later realized, had come from a different number XXXX ( XXXX ) XXXX. The Message from the other number also identified itself as coming from Bank of America stating the same, to which I again Texted back ( XXXX ) o. Next instantly came the message, stating, We have temporarily placed a hold on your account for security reasons. One of our specialists will contact you shortly to assist you. 
Immediately next, at XXXX XXXX there was a Bank of America caller on the phone calling me from ( XXXX ) XXXX XXXX. 
I recognized this number immediately as I have had the number saved on my phone with the name BANK OF AMERICA XXXX, with the XXXX XXXX given by me, because over the past years, I have called this number and always received genuine bona-fide calls from this XXXX number, several times. I had no doubts in my mind about the legitimacy and validity of a call from this number. 
The caller identified himself as a Bank of America Fraud Department specialist, who at my asking, also gave out a name, which was not very clear and therefore I do not presently recall. He asked me about the same XXXX at XXXX XXXX to which I denied. Next he mentioned some other transaction of {$10000.00} with some other business whose name I can not recall, to which I denied as well. My wife XXXX XXXX XXXX was also listening to this early morning conversation, as I was on speaker phone. We both denied any such transactions, struck with awe and shock. I repeatedly and strongly denied to him, stating neither I nor anyone else I knew, had done any such purchases or transaction. 
During this talk, while I was engaged with him on the phone, he Text messaged me a link, again from the XXXX ( XXXX ) XXXX number, the same from which the second text had come. SCREEN SHOT AVAILABLE The link that came to my phone, led me to my Bank of America User-Name Log-in on my XXXX He wanted me to log in and check if everything else was OK with my account. 
I tried from my phone a few times but I could not. The reason for which I assumed, and I shared with him as well -- -that I often make typing errors on XXXX -- - the fine fonts of my phone, I can not read, as I have had a XXXX XXXX, because of which I seldom try to access my bank Log- In on the phone, that I could easily log in from my desk-top. 
After the unsuccessful Log-in attempts from my XXXX, whose failure I attributed to my failing vision, I told him I was moving to my Desk Top to Log-in. My purpose was to affirm that my 2 Step Verifications were working. I had earlier told him I had XXXX XXXX set on my Bank Account. 
After unsuccessful attempt to Log-in, during which I kept adding those 2- Step Verification numbers coming on my phone, and again several times, those 2- Step Verification numbers coming on my phone for my Lap Top Log-in, I was not having any success. About XXXX minutes had lapsed. At this he insisted, You do not have 2 Step Verification. XXXX be you have on a different account but not on this one and so we have to do it, we have to set up 2-Step Verification again, now. I told him those have always been there, but he insisted those had been void and he would help me log in to my Bank of America. At XXXX these moments, while I was on my desk-top, he asked me to give him the XXXX XXXX XXXX code so that he could log in. Next he read aloud to me, some XXXX transactions that I had done in XXXX. Are these yours, do you recognize them? I recognized them well, and affirmed. He told he was setting my 2 Step Verification for me, and then said, I have set it for you. Next he repeated to me my Phone Number which I affirmed and he said, You will now receive a TEXT MESSAGE TO AFFIRM THE TWO STEP VERIFICATION SETTING I HAVE DONE. TEXT YES TO IT. It came instantly from a Bank of America verification number, XXXX the one that I recognized well, because had asked me for a YES to a {$200.00} XXXX payment XXXX by me to, XXXX XXXX XXXX XXXX for a job on XX/XX/XXXX. 
And yes I said I will Yes. And I wrote YES. 
A minute later I read the entire text. My YES was to a text, hidden by a Bank of America Logo, above which was a SCAM TEXT asking a YES for payment of XXXX XXXX dollars to some XXXX XXXX, holder of a XXXX XXXX Account. 
SCREEN SHOT AVAILABLE Deeply regretting my Yes, thinking of XXXX Blooms closing soliloquy in XXXX XXXX XXXX, and yes I said yes I will Yes, I rushed to Bank of America, BoA on XXXX XXXX XXXX, which is just a XXXX XXXX XXXX from my home in XXXX. The Manager there, XXXX XXXX XXXX was very supportive, who comforted me, heard my story, and within no time, contacted BoA Fraud Team which was duly notified and a Fraud Claim number was given to me. It was our corporate account that had been robbed. 
I am CEO of XXXX XXXX, a ( XXXX ) ( c ) ( XXXX ) Religious Educational Charity and a new Corporate account was opened. I immediately informed our XXXX and XXXX of the XXXX, XXXX XXXX XXXX, phone number ( XXXX ) XXXX, of the incident. I also rushed to XXXX Police Department, Head Office on XXXX XXXX XXXX, XXXX to file a handwritten Report. SCREEN SHOT AVAILABLE Thereafter, to leave no stone unturned, I went and met with XXXX XXXX XXXX XXXX, Vice President and Branch Manager of XXXXXXXX XXXX XXXX XXXX XXXX XXXX. This was all done on XX/XX/XXXX, the day of the incident. 
As of today, the Wire Transfer shows as PENDING, which looks like a good news to me. The Electronic Fund Transfer Act provides important protections when consumers suffer unauthorized withdrawals from their accounts. For instance, so long as a person promptly notifies their bank that access to their account has been stolen, the law limits the person 's losses to {$50.00}. 
I want to file a complaint of Fraud and Theft. 
I have absolutely no doubt the person who scammed and robbed me is a Bank of America XXXX. I will provide full evidence as will the Forensics on my Cell Phone XXXX XXXX, a XXXX XXXX Account XXXX. 
Please XXXX this as a Police Report. 
XXXX XXXX MD XXXX and XXXX, XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX CA XXXX Phone 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 explanation