Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Excerpts from the letter submitted to the BOA Chairman & CEO & Corporate Secretary : So, when I got a text from BOA regarding a fraud attempt, I called in. Calls were heavy and I was offered a callback. I took that option and waited for a callback which came approximately XXXX minutes later. According to XXXX XXXX ( XXXX ) at approximately XXXX, there were XXXX fraudulent attempts made on my account- {$1600.00}, {$970.00}, and {$8500.00} under the name of XXXX XXXX XXXX I confirmed that I did not make the attempts. I have had this happen before where BOA shut down my card and sent me a new one. In this case, she read me my entire account number and BOA routing number so shutting down the debit card would not be enough. This person was using my routing and account number to attempt to place various orders. 

She advised me that these issues had occurred in the past and that the bank decided that they would work with the customer and participating banks to protect our funds. She walked me trough the entire mobile app, and knew everything that was on each screen - everything. Although I was still a little nervous, I followed her instructions BECAUSE I had called you. I was confident that BOA called me back as requested. I completed the transfer for {$6900.00}. 

I called back to BOA at XXXX ( hung up after holding ) and then XXXX less than an hour later because it just didnt feel right in my gut. I spoke with XXXX ( Texas ) who said there was no need to worry and that the wire was recalled. He said that this had happened earlier and that I could count on him to stop this before it hit my account. I was relieved until I looked at my mobile app at XXXX and noticed it was pending. At XXXX XX/XX/year> the transfer status changed to SENT. 

I made various calls to BOA speaking with XXXX, XXXX, XXXX ( XXXX ), XXXX ( Delaware ) and others from Fraud. I called XXXX XXXX, and went in to a branch with the account number the fraudster had given me and was told they could not help me even though my name was on it. They would not freeze that account either. I filed a police report in XXXX XXXX which, because it was financial fraud, was sent to the XXXX. I locked all my credit cards and my credit as well. 

The credit scam form was sent. I completed it the same day and sent it back in email. I got an email days letter saying they needed the form again. I advised that I did the form days ago I emailed it again AND mailed it. Various follow up calls were shared with XXXX ( XXXX ), XXXX ( MD ), and XXXX ( DE ) and XXXX ( Texas ) through the end of the month and I was told that the Analyst was working with the receiving back to get the money back. The employees all said that they were confident that this would be taken care of because I reported it immediately. Then I get an email that the money could not be retrieved and that the case is closed. ReallyXXXX 

I know that XXXX XXXXXXXX is nothing for a millionaire like you, but it is something when you have to travel to MD XXXX to handle my dads affairs as his only living child. I really need my money. I know there is an XXXX ( XXXX XXXX XXXX ) for BOA or a petty cash account that is used for these types of cases. I would be willing to sign an XXXX, if necessary, but I really need to be compensated for this loss. I really want to maintain the great experience that I have had with BOA, but I need your help to do so. I do not want to begin an all-out protest, and more civil proceedings that are in the news lately. I just want my money, or a fair percentage, paid back to my account. My money is used to not only care for my expenses but those of my father, a XXXX XXXXXXXX XXXX XXXX XXXXXXXX. All of this is true! This is not a scam and I am willing to verify anything needed.

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