Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX, we realized that on XXXX, from our Bank of America checking account, they had made a payment of {$9600.00}, to an XXXX XXXX credit card, unknown to us. Prior to this payment, they had made a transfer of {$11000.00} from our savings account to our checking account. At that time, we made the claim via telephone for the transfer ( Claim number : XXXX ), and they did not accept our payment claim ; because, according to them, the transaction was in Processing status and they had to wait for its final result. On XXXX, when we realized that the payment transaction had been completed, we proceeded to also make the claim for the payment of {$9600.00} ( Claim number : XXXX ). 
At that time, we were informed that the investigation was taking approximately 45 days ; but that, however, they made a payment for the claimed amount within 10 business days ; this offers relieved us. Upon receiving no response, we called the bank again, who informed us that the claim had been rejected, because according to their investigation the payment had been made by us, according to them from our personal computer, the one we usually use to access online banking. But that is impossible, because that computer is for personal use and no one else has access to it. 
Therefore, we requested reconsideration of the claim and they informed us that we could fax any evidence in our favor ; however, at that time we did not know what evidence we could present, because we did not know what their evidence was to deny the claim. In this regard, on XXXXXXXX  and XXXX, we prepared letters explaining the situation ( one letter for each case ), with which we considered our arguments for the favorable reconsideration of the case. Among the arguments raised, we pointed out that we could not understand how personalized alert notifications were not activated, since we have them configured so that we are informed of any transaction over {$100.00}, among others. Furthermore, the amounts of both the fraudulent transfer and payment, referred to above, are quite significant and atypical ; for this reason, they should attract attention and be monitored by the bank, in order to avoid similar frauds with any client. 
But the claim was denied again by the institution ; at that time, we reiterated that they would send us the details of the investigation. On XXXX, we received only a brief report that did not have further details ; It did not even include the information of the fraudulently paid credit card ( customer name, card number, issuing bank, among others ). 
On XXXX, we again sent an explanatory letter rejecting the payment and the transfer indicating that the IP addresses that appeared in the report, sent by them, did not belong to the company that provides us with the Internet service ; and again, stating our arguments that the transactions were not carried out by us. To date, we have not received a response to that letter.

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