Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am a XXXX XXXX currently residing in XXXX, GA, pursuing an XXXX at XXXX XXXX. I am filing this complaint against Bank of America ( BoA ) regarding an unauthorized withdrawal of {$17000.00} from my account ( ending XXXX ), which I opened at the XXXX XXXX branch on XX/XX/year> ( XXXX. XXXX ). Although I requested a debit card ( ending XXXX ) on that day, I never received or activated it. " According to the banks own tracking system, the card was still in 'Shipped ' status on the day of the incident, indicating a significant issue or security lapse during the delivery process ( Att. XXXX ). On XX/XX/XXXX, XXXX security system flagged an initial unauthorized transaction attempt and reversed it, sending me a suspicious activity alert ( Thu XXXX XXXX ) ( Att. XXXX & XXXX ). Upon receiving the alert, I immediately contacted the BoA Fraud Department and spent XXXX minutes on the phone ( Thu XXXX XXXX - XXXX ) ( Att. XXXX ). During this call, I explicitly stated that I did not authorize the transaction and formally requested to cancel the activity. Despite my direct notification and the bank 's own prior identification of the activity as fraudulent, BoA inexplicably allowed a second identical payment request to proceed in 'processing ' status shortly after my call was completed ( XXXX. XXXX ). Immediately after the incident ( Thu XXXX XXXX ), I emailed my local banker who assisted in opening an account and debit card. ( XXXX ) in XXXX XXXX report the situation ( XXXX. XXXX ). When I visited the branch on XX/XX/XXXX, I was issued a replacement card ( XXXX. XXXX ) and was assured that the Fraud Department would resolve the processing transaction. However, on XX/XX/XXXX, BoA denied my fraud claim ( Claim ID : XXXX ), labeling it as " authorized '' without a proper investigation ( XXXX. XXXX ). I have since filed a report with the XXXX XXXX XXXX ( Case # XXXX ) and an Identity Theft Report with the Federal Trade Commission ( FTC Report # XXXX ) ( XXXX. XXXX ). Based on these official reports, I successfully requested the bank to re-open the claim ( XXXX. XXXX ). Currently, the bank appears to be evading responsibility by listing the stolen card 's status as XXXX XXXX ' ( XXXX. XXXX ), despite the merchant involved in the fraudulent transaction being located in XXXX location with which I have no connection ( XXXX. XXXX ). Furthermore, I am in the XXXX under a XXXX XXXX XXXX ( XXXX. XXXX ) to pursue my XXXX and am currently in the XXXXXXXX XXXX XXXX XXXX XXXX Having XXXX XXXX XXXX as recently as XX/XX/year> ( XXXX. XXXX ), it is incomprehensible that Bank of America holds me responsible for this fraudulent activity occurring just days after my arrival and initial account opening. I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure the return of my funds, as the bank failed its fundamental duty to protect a new customer 's account.

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