Consumer complaint received 2025-05-26 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: GA

Complaint narrative:
On XX/XX/XXXX. 2025 I received a call from a man claiming he was a representative of Bank of America, who said his name was XXXX. He also gave me a fake employee ID. He proceeded to tell me that there was a problem with one of my accounts and as he already had my account and social security numbers I believed to call to be legitimate.. He then said he needed to text me a code so that he could resolve the issue. I received a text which indicated that it was from Bank of America and gave him the code. At that point he said that he was was able to access my accounts and that the issue had been resolved. 
The next day I responded to a text from Bank of America stating that an unauthorized transaction had been made the previous evening and had been declined. I called Bank of America and advised them that I had not authorized this transaction and told the representative to please not allow it to process. 
Then on XX/XX/year> I saw that a charge in the Amount of {$4900.00} for XXXX XXXX XXXX had posted to my account ending in XXXX. The same charge Bank of America was told to decline because I had not made the purchase and that they did not have my permission to process. I also made an official dispute of the charges. 
I had also checked my other accounts and saw that a {$1000.00} cash advance had been charged to my Bank of America Credit card and then transferred into my account ending in XXXX and then transferred in account ending in XXXX. My savings account was also emptied and transferred into account ending in XXXX and also moved into account ending in XXXX. Account ending in XXXX was then completely drained of all funds including monies which had been transferred into it from my savings, checking and credit card. The monies were sent to XXXX XXXX XXXX At that point I called Bank of America Fraud Protection and advised them of the theft. And although I gave them the above details regarding the monies having been moved from my credit card and savings into account ending in XXXX, bank of America only opened an investigation of account XXXX and my credit card.. 
These transactions were not done by or approved by me and I told this to Bank of America. 
I also requested all documents and proof that Bank of America has that I made or authorized any of these transfers or purchases.They still have yet to provide any documents or proof. 
About XXXX weeks ago I received notification from Fraud Services that my claim had been denied. I then contacted Bank of America Fraud Services once again to advise them that they needed to follow the money trail and see the way in which the transaction was carried out. This time they opened new cases for the checking ending in XXXX, my savings account ending in XXXX and credit card. 
As of today my claims for the fraud in savings and checking ending in XXXX have been denied. I am going to contact Bank of America and reopen the investigation tomorrow. Today is XXXX XXXX. 
So I am contacting the Consumer Financial Protection Bureau to alert you and other consumers that Bank of America has likely been hacked and that a person posing as one of their representatives is defrauding honest, hardworking consumers such as myself and that Bank of America is unwilling to take any actions to rectify the matter or any responsibility for these crimes!

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