Consumer complaint received 2025-02-09 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern, I am writing to formally express my concerns regarding severe financial difficulties I have faced due to unauthorized transactions linked to my Bank of America account, which I believe have resulted from a lack of adequate security measures. 

In XX/XX/XXXX, my account was compromised, leading to nearly {$1000.00} in fraudulent charges associated with XXXX XXXX. I promptly contacted Bank of America, and after an investigation, The Bank of America representative, team advised me a new debit card will be issued and that they are going to-place a block on my checking account to prevent XXXX XXXX from any further unauthorized transactions to your account. And if XXXX XXXX trys to makes any more attempts of unauthorized charges on your checking account we will explicitly inform you of this matter and nothing will be allowed to go through without your permission. And Bank of America thanks you for believing in our financial security protection plan something like that! 

However, several months later on XX/XX/XXXX upon checking my account as I usually do every XXXX to 90 days I came to face a similar incident again from XXXX XXXX of XXXX unauthorized game charges to my account! I simply explained to them that my XXXX twins had had access to XXXX of my old phones upon them questioning me During their phone investigation, and upon my little phone investigation, I asked how could this be possible when you had a block on my checking account from XXXX play and nothing was authorized to go through without my permission and that I was supposed to be informed of any more fraudulent activities? They completely ignored my investigating questioning and then told it would take XXXX business upon their investigation that they would get back to me. I proceeded to call them back a less then a week later, ( because this was the time of XXXX and XXXX coming up and I could not believe this was happening to me and my family which XXXX went very bad for me and my family!! ) and once answered by Bank of AmericaXXXX and with talking with them I became very frustrated to find that their representatives suggested I file a police report regarding my children 's involvement. This suggestion felt inappropriate and infuriating, and very Hurtful I had tears coming from my XXXX. my kids couldnt understand why I was crying so they started crying too! as it unjustly implied that my innocent children were responsible for these transactions. 

Additionally, I was advised to contact XXXX XXXX regarding these XXXX unauthorized charges. After sending XXXX emails to XXXX XXXX, I learned they could not locate the XXXX unauthorized game charges account claim number : XXXX for the amount of XXXX but my calculations came to $ XXXXrelated to these unauthorized games charges many of which are inappropriate and illegal for children even with adult consent. But Moreover, they were able to identify some other unauthorized charges that had gone unnoticed, highlighting a significant failure in the protection of my checking account by Bank of America Especially from XXXX XXXX! 

This entire experience has left me with a sense of frustration and loss as I navigate the consequences of these unauthorized transactions, which should have been protected against by Bank of America-systems. The implication of wrongdoing on me and my children is unacceptable, and I feel strongly that both Bank of America and XXXX XXXX must take accountability for the lapses that led to this situation in the First Place and I feel this is defamation of character! Ive also was told by the Bank of Americas XXXX at the XXXX XXXX branch that once a new debit card is issued out to the consumer that the block comes off the account, which I found out that was not the case once a block is put on y the account Its up to the consumer to retract that block off of his or her account why was I lied to? I dont know. I was also informed that Bank of America and XXXX has an agreement that XXXX can give the subscriber the consumers new debit card and account information without the consumers permission. This has also become frustrating because I do not consent to anything like that! 

Now I am writing to further detail my ongoing concerns regarding unauthorized transactions linked to my Bank of America account. As previously stated, I have experienced significant financial difficulties stemming from these transactions, and recent developments have only compounded the issue. 

Following my communications with XXXX XXXX regarding unauthorized charges, they identified additional unauthorized transactions that I must have previously overlooked. This includes the following claims XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Total Purchases : XXXX - Total Amount : {$3300.00} These transactions, along with the previous incidents, reveal a troubling lack of protection on my account and suggest that the unauthorized charges are more extensive than initially believed. In total, what started as XXXX unauthorized charges has now escalated to XXXX fraudulent transactions, with a cumulative financial impact that I can not ignore. 

Moreover, XXXX XXXX could not locate the XXXX unauthorized game charges that triggered this situation. This lack of accountability raises significant concerns, especially since I have not subscribed to any services that would result in such charges. It appears that my account has been erroneously tagged, allowing unauthorized access and transactions without my consent. Our lives has been turned upside down my bills is way overdue. My bank account is XXXX any that come inside my account the bill collectors take my credit is very bad. Im unable to move to a better area with XXXX of my child being XXXX as well. And as me being an elderly individual raising to XXXX XXXX XXXX, this situation has caused me XXXX and financial hardship. Ive been unable to manage my bills properly and as XXXXAnd as me being an elderly individual raising to XXXX XXXX XXXXs, this situation has caused me XXXX and financial hardship. Ive been unable to manage my bills properly, and as a result, I fallen behind the additional stress of these unexpected charges has impacted my daily life and my ability to provide for my children, including necessary, food, essentials, my family. I kindly ask you for your urgent assistance in resolving this issue. Thank you for your time and patience sincerely XXXX XXXX XXXX

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