Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Hello once again, I am reaching out to request your assistance in recovering funds totaling {$1100.00} from Bank of America, resulting from unauthorized withdrawals by XXXX XXXX XXXX XXXX five-month period, spanning XX/XX/XXXX through XX/XX/XXXX. This issue pertains to cases XXXX, XXXX, and XXXX, which were previously resolved with the support of CFPB. 
To provide context, XXXX withdrew a total of {$2000.00} over XXXX months : {$780.00} in XX/XX/XXXX, {$150.00} in XX/XX/XXXX, {$150.00} in XX/XX/XXXX, {$700.00} in XX/XX/XXXX, and {$300.00} in XX/XX/XXXX ( please refer to the attached documentation ). On XX/XX/XXXX, I submitted a claim to Bank of America, citing fraudulent activity related to XXXX XXXX ( see attached ). Subsequently, Bank of America refunded the XXXX most recent transactions amounting to {$1000.00} ( {$780.00} and {$300.00} ), leaving an outstanding balance of {$1100.00} yet to be reimbursed. 


It has now been over XXXX months since I first filed my claim, yet Bank of America has still not returned my money. During this time, I have also dealt with XXXX credit, with assistance from the CFPB, and they acknowledged their mistakes regarding this issue. Specifically, XXXX admitted there was " suspicious activity '' in other words, fraudin how the withdrawals were made, closed the account, and advised me to submit a claim to BOA in order to recover the remaining balance. I submitted the official claim referenced above last XXXX, and in XXXX BOA asserted that they had verified with XXXX that I authorized the transactions based on some alleged " proof of Authorization. '' ( see attached ). However, this so-called proof does not include my signature or any form of verifiable evidence. Moreover, I have never had any relationship or agreement with XXXX XXXX  that would allow them to withdraw funds from my account. This further demonstrates that Bank of America failed in its duty to safeguard my account by releasing funds without my consent and is now refusing to refund the amount. 


I have tried multiple times to get my funds back from Bank of America, but each time I am given conflicting information. Even last week, their representatives told me they could not help with the issue. It is unreasonable for a bank that is supposed to protect our deposits to release money to fraudsters and then refuse to reimburse it after being shown substantial evidence of fraud. XXXX XXXX XXXX  for my money is excessive. At this point it is evident that they are unwilling to do the right thing and I am requesting you to intervene on my behalf and prevail on Bank of America to return my funds immediately. 

Thank you for your assistance with this matter. I appreciate your attention and look forward to a prompt resolution. 

Respectfully submitted, XXXX 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 monetary relief