Consumer complaint received 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
b"On Friday XXXX XXXX four attempts were made to transfer funds from my checking account ending in XXXX  at Bank of America. The bank processed the first charge for XXXX  and blocked the next three for XXXX XXXX  and $XXXX. When I called Bank of America the agent told me the transfer had been made with my new debit card ending in XXXX, which had not even been shipped at this point. I filed a fraud claim for the transaction. \n\nI have various alerts set on this account but I did not receive any alerts about these transactions.\n\nThese are my alerts:\nDebit card charge made online, by phone, or mail\nDebit card transaction outside the 50 states (U.S.)\nDebit card/ATM deduction over $XXXX  (minimum $XXXX\nLow balance threshold: balance below $XXXX alert\nMoney transfer deducted over $XXXX  (minimum $XXXXXXXX had been accessing my account online to monitor a XXXX  problem (see below), but I did not receive any text with a dynamic security code to log into my account that was not requested by me.\n\nBackground: Here is some additional information that may be helpful in understanding what happened.\n\nOn Tuesday XXXX XXXX I had an unauthorized charge of $XXXX  on my XXXX  account from XXXX  through my debit card. This charge had not yet shown up in my account, so I called Bank of America and asked them to put a stop hold on that transaction.\n\nOn Wednesday XXXX XXXX XXXXhe XXXX  transaction showed up in my account. I called the bank again and initiated a dispute. I had them send me a new debit card. They also suggested that I close that account and create a new checking account. \n\nOn Thursday XXXX XXXX  I followed the agents advice to set up a new account and cancel the compromised XXXX  account. I went to the bank on Thursday XXXX  XXXX  where XXXX XXXX  helped me to do that. I could not close the original account because of the pending dispute, but I opened a new account XXXX. XXXX  XXXX  gave me both the new account number and debit card number. I have these numbers on a piece of paper from that meeting.\n\nAccount: XXXX XXXXDebit Card for New Account XXXX XXXX XXXX XXXX(Note: when I received an email later that day saying that a new debit card had been created it gave a different number from the XXXX  number I saw at the bank):\n\nEmail received XXXX XXXX at XXXXXXXX XXXXDelivery status of debit card XXXX XXXXStep 1 of 3\nYour card was created\nUpdated XXXX XXXX had received a number of emails while I was at the bank on XXXX XXXX and when I got home I deleted them all. But the next day, after the fraudulent transactions on XXXX XXXX, I reviewed all the many emails from Thursday morning from about XXXX  on. They include the following:XXXX XXXX XXXX, added something new to your saved items \XXXX  We're processing your applicationXXXX Great news! The following account(s) are open. Bank of America XXXX XXXX Banking Account XXXX XXXX order to fund the new account, XXXX  XXXX  helped me transfer $XXXX  from the old XXXX  account to the new XXXX  account. \n\nI assume that this transfer from old XXXX  to new XXXX  is what produced the following emails, which I did not see at the time because I was in the bank working on this situationXXXX XXXX Digital card for debit ending in XXXX You requested a digital card for debit. Your digital card is ready to use.XXXX  Your digital card for debit was recently viewed. Digital card for debit ending in XXXXThis transfer of $XXXX  from the old XXXX  account to the new XXXX  account of $XXXX was made while I was at the bank on XXXX XXXX. The fraudulent transaction under dispute was made the next day, on XXXX XXXX. I did receive a security code on my phone while I was in the bank on XXXX XXXX. I did not receive a security code on Friday XXXX XXXX also did not receive any alerts about this transaction even though I had alerts set on my account, as described above. \n\nSummary\nI did not receive any dynamic security code that was not requested by me.\nI did not authorize this transaction. \nBank of America did not send me an alert about this transaction."

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