Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
On XX/XX/XXXX, I opened my first personal checking account with Bank of America. That account ends in XXXX. Prior to leaving, XXXX XXXX, the employee who helped me open the account offered me a paper to sign that authorized the bank to make changes to my account without contacting me. Little did I know, that meant, when you giant big deposits kick in, I'll be switching the name on your new account to my name and XXXX 's name ; and we'll be robbing all your direct deposits. I thought that form meant changes like, " XXXX, Bank of America is now offering a new feature on personal checking accounts that allows the customer to pay for items at a store using a QR code vs. debit card. '' Changes like that. Little did I know it also meant taking over my account, and stiffing me for 17 months in a row. I had to ask the XXXX XXXX XXXXt and XXXX Department to stop ALL deposits because I was not seeing a XXXX of it. Police Case # : XXXX and CFPB complaint # XXXX. 
Time went on, I lost the battle due to the paper I signed. After encountering at least XXXX other instances where my debit card got blacked due to " Fraudulent Activity, '' I decided to finally walk into another Bank of America Branch, in a different county within the State of Florida and open a new personal checking account. This took place on Friday, XX/XX/XXXX. XXXX XXXX was my helper. I shared with her that I currently have a personal checking account that is under the wrong category. It's under a category that reflects that I have a Commander and he has handed me a debit card. He's in charge of the money I deposit because it's more his account than mine. I opened it, but he's taken over it. Therefore, I would like a new account that is for XXXX Citizens that do not have a spy sister or Commander. It's just me alone ; and when a change needs to take place, the bank will be contacting me. I even had her confirm aloud that " No changes can be made on my account unless I'm present. '' The account is for XXXX person. I shared briefly how I was stiffed from over {$350000.00} in 17 months. 
XXXX XXXX opened the account with the features I had her ensure I have : obtain cash back from cc machines and ATMs. Pay a money order with a debit card. Pay my bills online with my debit card. Shop online with my debit. Features like those. When XXXX XXXX was done, she handed me a Bank of America envelope with XXXX pieces of documents in it. XXXX of them contained the new account information followed with the debit card information. The paper reflects that my new debit card would be ending in XXXX. Well, guess what, that new debit card was stolen from the XXXX XXXX and a fraudulent one, tied to a fake account vs my real account was placed in my box. That card ends in XXXX. Due to this crime, I'm back to square banking with a fraudulent fake account. Therefore, I'm now reporting the crime to your department. 
I didn't want to activate it, but in order report my card stolen, I have to activate this one. So, I activated it ; and here I am reporting that someone stole my real debit card from Bank of America and I'm encountering the same exact crime again. Someone has my real account. They're going to say I'm not the real account holder when i should be. So, what's the solution here?

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