Consumer complaint received 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I submitted 4 claims to the fraud department ( BOA ) on XX/XX/XXXX. My son made me an account with XXXX XXXX He told me not to touch it, for retirement. I did not listen and wanted to cash out some money as I was not working. I started sending XXXX emails for help in XX/XX/XXXX. Sent 30-40 emails stating I need help. " XXXX '' called one day and he was with XXXX customer support and he knew I was having issues. He read me some emails that I sent and that made me feel comfortable of who he was. He took me through various steps on how to get my money out and into my checking. I did not share my screen with him but he knew all my info. Money was suppose to be instant hitting my checking account and it was not. As I was waiting I started doing some investigating and by the time I realized what was happening it was too late. XXXX had taken all my profit and left me with {$18.00} in the bank. I drove to the bank immediately and told them what happened. They can't do XXXX, you have to call the fraud line. We shut down my account but again too late. 1-claim for {$62.00}, 2-claim for {$300.00}, 3-claim for 231.31, 4-claim for {$360.00}. BOA denied all claims saying I authorized all of this. I explained in detail again and faxed over all my notes AGAIN including the police report number on XX/XX/XXXX and XX/XX/XXXX. I called back XX/XX/XXXX, fraud department and spoke with XXXX, XXXX. Explained all AGAIN and he said well the problem is that the information was entered in WRONG, you think so. So XXXX sends to the investigators to reopen. Claim XXXX and Claim XXXX, got paid. Claims 2 and 4 did not get paid. And they are saying now that they WILL NOT PAY. I sent over another fax today ( XX/XX/XXXX ) and want to know why?? This is my money and I am unemployed. What person takes money out of their own account and leaves there self with XXXX at the end of the month when bills are due..WHO?? Certainly not me. So now they still have {$660.00} of my money. I have never had such bad luck in my life..On XX/XX/XXXX, I am looking to buy a used car. A friend recommends this guy, so I reach out to the guy and I find a car and we negotiate price and he needs the deposit and the car will be transported to me by XX/XX/XXXX from OK. I text my friend just to make sure all is legit, friend says all good. So I send guy the XXXX deposit, he comes back with so sorry but the deposit is XXXX. I said well that is your mistake and you should own that, so let 's get on with the paperwork. He kept asking for the additional {$300.00} and I kept saying no. Finally I told him to send my money back immediately and we go our separate ways. Well guess what, he did not send back, that guy took my money. I sent through XXXX XXXX and notified them immediately!! I called BOA immediately!!! I looked today and BOA has denied this claim. So now they have {$1100.00} of my money. I ordered some face cream XX/XX/XXXX for XXXX, but got charged XXXX plus XXXX. Have no idea what the XXXX was for and not the same company. Called company and no call back. Turned in this claim XX/XX/XXXX and now they have denied this one as well. Now my TOTAL is up to {$1200.00} that they are NOT paying. I have been looking for a consolidation loan and finally found a company, Debt Consolidation company out of XXXX. I was approved for {$5200.00}. They told me that the money would be deposited into my new account with XXXX XXXX Withdraw the money as I need to pay off bills and also send in my payments with the deposit slips that are provided with my checks. Thought this was a good idea and was not worried about the bank, as I use to pay my mortgage thru XXXXXXXX XXXX Checks arrive and I call my contact and he tells me to go ahead and pay my bills. I said well I have not signed the paperwork he said it will be in your email within the hour. I wrote a check out of the XXXXXXXX XXXX for XXXX and deposit into my BOA account. Says it will be on hold until XX/XX/XXXX. That's normal. I go to BOA ATM to make a deposit on XX/XX/XXXX and ATM says your card does not work here ... I call the next day, XX/XX/XXXX and the lady proceeds to tell me that the check was no good and that account was closed. They shut down my account and I will not be able to open any checking account with any financial institution for 5 years. I am on hold forever and hang up after 2 hours and they had already closed. I call XX/XX/XXXX and finally got to speak with the risk department, held for 3 hours. The man was rude and did not want to hear what I had to say. 29 years with BOA and this is how I am treated. I am no criminal and just have had some very bad luck. The Debt Consolidation Co, I can not get ahold of, another XXXX scam!!! Thank GOD the check did not go through!! 
In XXXX ( date unsure ) I kept having issue with my debit card. Finally spoke with a lady and she was the rudest person. She asked so many personal questions and I finally told her it was none of her business where my money comes from. My Dad gave me money, I sold off many of my antiques, etc... why am I being treated this way?? I am a grown woman, XXXX  years young and I know right from wrong. I want my money back!!! As I stated before, I sent a fax over this morning XX/XX/XXXX and even called to be put on hold until guess what..now they were closed. I have opened a new account with XXXX XXXX with no issues and told them about all my problems with BOA. I do hope something can be done and I am sure BOA have bigger fish to fry then looking at my small claims. If they were not so busy with me they could have caught the big groups that are robbing them blind. Thank you for your time.

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