Consumer complaint received 2025-01-07 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: GA

Complaint narrative:
Title : Follow-Up Complaint : Urgent Request for Financial Hardship Relief and Fraud Claim Body : I am submitting this updated complaint to provide additional context and request urgent intervention regarding my denied claims for unauthorized transactions totaling {$25000.00} from my Bank of America accounts . 

Summary of the Issue In XX/XX/XXXX, fraudulent transactions occurred through XXXX XXXX transfers from my accounts without authorization. I reported the issue immediately and filed claims, including IDs : XXXX XXXX XXXX XXXX Despite submitting evidence of the fraud, all claims were denied because the merchant refused to refund the funds. 

XXXX and XXXX XXXX I am a Type XXXX diabetic with dangerously high blood sugar levels. During the time of the fraud, I was hospitalized, on a ventilator, and physically unable to monitor my accounts or report the fraud promptly.

The stolen funds were critical for my medical treatments, dietary needs, and living expenses. Without these funds, I am unable to afford necessary care, which directly jeopardizes my health and life.

Urgency of the Situation I have a life-saving medical appointment scheduled for XX/XX/XXXX, in XXXX, where I can receive better care and family support. Due to the urgency, I requested to move the appointment earlier to XX/XX/XXXX, but was informed that further delays could result in severe harm to my body and organs. 

Given the two-day travel time to XXXX, I am running out of time to secure financial support for this treatment. Without immediate intervention, I risk missing this critical appointment, which could cause irreversible health damage. 

Bank XXXX XXXX XXXX XXXX XXXX confirmed that all transactions are verified with the bank before processing. Despite this, Bank of America failed to flag these fraudulent transfers, which were inconsistent with my regular banking activity. 

Additionally, Bank of America has denied my requests for temporary hardship relief, leaving me without any financial options to address this urgent situation. 

Request for Assistance I am requesting CFPBs immediate intervention to : Expedite this case and ensure Bank of America reopens my claims, taking into account my medical incapacity at the time of the fraud. 
Advocate for temporary hardship relief or emergency funding to allow me to attend my scheduled medical treatment on XX/XX/XXXX. 
Investigate whether Bank of America acted in accordance with consumer protection laws when denying my claims and hardship requests. 
Attachments I am uploading the following supporting documents : Medical records and doctors letters explaining the urgency of my condition. 
Evidence of fraudulent transactions. 
Correspondence with Bank of America and XXXX XXXX. 
A copy of my previous CFPB complaint ( Case ID XXXX ) for reference.

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