Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America closed my account out when I did a chargeback dispute with claim number XXXX on the unauthorized debiting of my account by XX/XX/XXXXwho proceeded to forge my signature and commit several crimes to justify the fraudulent and unauthorized transaction deduction. XXXX lost was {$1900.00}. XX/XX/XXXX appears to be a front for criminals committing debit and credit card fraud from XXXX on Americans. They may be protected by Bank of America. 
Bank of America denied my claim despite my proof that the signature on the bogus and falsified documents wasnt mine. 
The criminals modus operandi is clear. They trick you to deliver your debit card details for a vacation package and then fraudulently charge you bogus amounts. When you dispute, like you will, they forge your signature ( which they now have, since you signed the original voucher ) to pass scrutiny from the back handling the dispute. 
The disparity on the signatures was clear. BOA denied a claim denial appeal claiming they didnt know how to check signature differences despite having an 18 year relationship and a signature specimen different from the forged signature and a police report. BOA also denied the claim despite the fact that I had neither gone on any vacation, made any reservation, or received any service from this vendor to warrant not retrieving my funds back. 
Eventually, after I threatened arbitration and reporting BOA to CFPB, they closed all four of my accounts out without notice and without resolution of this claim. 
They, in doing this, prevented me from having a way to track this case, check on status, put in any new dispute for any other vendor ( a lot of fraudulent business activity going on these days ) during my use of my debit card. 
I think BOA should open my accounts up linked to that debit card usage just so I can see what is going on with my {$1900.00} claim, and allow me address any other issues with the use of the debit card in the past. 
BOA also needs to be aware that it is very suspicious when it acts like this, seemingly protecting fraudulent merchants like XXXX. 
XX/XX/XXXX is a front for a group of criminals who get your debit or credit card details pretending to sell vacation packages and then charge your card for bogus charges. They then forge your signature to make it seem you approved that second or third transaction. The public should be aware of this happening to Americans. 
They do this from XXXX although their phone numbers are made to look like from the USA. 
They may or may not have individuals in banks like BOA aiding them to evade punishment. BOA needs to check how the claim was denied, who authorized closure of my accounts during a fraud case investigation, who may be protecting these people. 
BOA should reopen all my accounts, maybe give new numbers to avoid fraud but not close out without notice. 
Finally, BOA should compensate in some way for denying what should be a simple claim ( has any service or benefit been provided by the merchant? Which is no! ) and there is a fraud element too & for suddenly closing out all my accounts without notice, leaving me without ability to receive funds. Although I think reopening my accounts and getting back my {$1900.00} is probably satisfactory.

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