Consumer complaint received 2024-01-30 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: NC

Complaint narrative:
On XX/XX/XXXX a scammer called with BofA phone ID. The man claimed that BofA had issued a person a credit card with a line of credit with my stolen identity. that person had already spent XXXX at an XXXX XXXX and before it had posted I could stop payment by depositing money in an XXXX  account.I had XXXX in my savings and not knowing at the time if I had deposited XXXX in an XXXX  account it would have been flagged by the FTC this scammer knew that and I inadvertantly put XXXX in an XXXX  account that I provided. Now of course I'm not seeing any red flags.My XXXX son also has an account with BofA and he's listed jointly with me. He had over XXXX from his SSI and the scammer moved XXXX into my sons account so that he could also get XXXX into an XXXX  account. Now both my son and I opened XXXX  accounts. I deposited the money unknowingly but realized that I was being scammed and got a hold of Bof A and we realized that my money was moved but my sons account was locked due to suspicious activity. I verbaly said to the rep that please keep this account frozen!!! She was more concerned with why my son had more money. She referred me to the fraud department which was closed I went to bed thinking that I was only investigating my XXXX when first thing on my phone I see that my sons account was depleted of all his funds. When I finally got a hold of someone from the fraud department they said they don't freeze accounts! He knew darn well I meant locked. Now my son never had access to that account on the XXXX, actually the scammer was texting him while I was on line with the BofA rep saying he was from the fraud department and he needed to call this number ( which ended up being a number from XXXX ) my son is smart and just kept writing STOP the scammer did this until someone from BOFA unlocked that account and the money was deposited into the XXXX account which my son set up but if they hadnt unlocked it never would have been released.BofA dropped the ball and now have refused to pay my son. They also let the scammer try to get into his locked account four days later and tried to blame me for it. I said I don't understand the purpose of a locked account thats being investigated for fraud when letting scammers back four days later into locked accounts!! now I may have to pursue a lawsuit since my son is XXXX but not mentally. I hope they are not using that as an excuse to not pay him his money from his account. Very disappointed in a bank Ive been doing business with for over XXXX years, very hard to get a hold of someone from the fraud department and they keep referring you to talk with different departments and keep you tied up on the line for sometimes an hour before you speak to someone. I would just like to see my son get the money he deserves and have BofA take the blame since they were the ones who let the money slip into the XXXX 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