Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
Many years ago, in XXXX XX/XX/XXXX I was banking with Bank of America XXXX I foolishly took a car rental for Work from XXXX. XXXX fraudulently charge my car twice one for {$450.00} one for {$440.00}. at the time, it was the peak of the pandemic and I got XXXX and I was very sick and I called XXXX and they told me that there will be a tow truck to pick up the car on a certain day one week later, it got towed which I found out later to the airport. The XXXX branch I rented from fraudulently said I returned it a few week week first they called me said they couldnt find the car when I showed proof that the tow truck then they said I returned it a few weeks prior to the tow truck even picking it up claiming I return it with damage when that wasnt true. The tow truck picked it up and took it to a completely different location. Anyway, its a long story I showed proof finally after a month Bank of America reverse the charges. They gave me back the money and not a week later XXXX put in another fraudulent for something else another made up charge claiming I returned the month prior when actually the tow truck took the car a few weeks weeks later to the airport. They didnt even see the car with no damage because it was sitting in my car in my driveway while I was sick I resubmitted my evidence which is was clear that they were lying very very clear and they gave me back the money. At that point I realize I did not want to deal with Bank of America because they still allowed to do it even after they did a fraudulent charge and even after I shut down my credit card. So I close my Bank of America account I withdrew the money and I thought that was the end of it. I went to just because I needed a bank account at the time till XXXX for something to open a Bank of America account thinking everything was OK. Come to find out and were in XXXX now that they actually reverse the charges a few months lafter I shut down the account, after I showed cleareven though I had proof that XXXX was lying clear proof and video that XXXX was lying. They still reverse the charge I didnt find this out until I went into the bank today, XX/XX/XXXX and had to sit there for hours when the bank are finally pulled up the old records and I am XXXX and something in the rear because of itThat is a shameful thing for Bank of America to do that I know and I never even got notified until I went into the bank today. That is shameful and I know this a few years ago I wouldve put in a police report with not only XXXX for fraud and forgery, but for Bank of America, knowing they committed fraud and forgery and still allowing it after I shut down my account I am putting in. I am demanding this is my first step because I will not stop. I am demanding that money be reversed and taken back from XXXX and by the way, I even have a email from XXXX saying they found my XXXX claim. I have the email of admitting it the legal departm found my XXXX  claim that the car was picked up on a certain date. How could I have returned it three weeks before so this is my first step in fighting Bank of America because I have proof with emails and text messages from XXXX besides that one Im talking about from the Manager saying he couldnt find the car after the tow truck picked it up and then if I have any idea what tow truck it was. This was email was sent from the manager XXXX a few weeks after he would later claim I returned it damaged the day he claimed they returned. It was prior to the date. He asked me what because he cant find the car. besides that one I have many text messages and emails about the car being picked up a few weeks after they claim I returned it with damage and where they returned. It wasnt even the place I known that Bank of America reverse the charges. I wouldve saw the owner and went to court. Its too late now its three years later. Im not about to open up another fraud claim and and submit all the paperwork again and wait 30 days this is my first step if theyre not going to reverse those charges, I will take another step and I will be putting in a police report but not only XXXX for Bank of America XXXX I will be putting in find out. I will be getting an attorney and find out which government agency regulates them because I shall clear proof that it was fraud, Bank of America has a duty to protect me when theres fraud and I had proof there was fraud. I submitted 17 pages to them with proof. I show clear proof that that fraudulent car company was lying so this is my first step they dont reverse the charges I will be fighting.

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