Consumer complaint received 2025-07-28 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: MD

Complaint narrative:
Dear Sir or Madam, I am writing to formally request your attention to a serious violation of my consumer rights. 

On XX/XX/year>, XXXX fraudulent transactions occurred on my Bank of America account, each in the amount of {$3400.00}, totaling {$10000.00}. On the same day, I immediately notified the bank while the transactions were still in Pending status, and technically it was possible to block these transfers. 

The bank could have blocked the transfers that very day, but failed to take the necessary measures and did not stop the transfers, resulting in significant financial harm to me. 

Despite my prompt reaction, the bank did not stop the transfers. Only XXXX transaction ( {$3400.00} ) was refunded, while XXXX transactions totaling {$6800.00} remain unpaid. 

At the same time, the bank allowed my account to go into a negative balance, and a month later, to cover this negative balance, funds were withdrawn from joint accounts opened by my husband and daughter, which I consider an additional injustice and financial burden. 

Bank representatives called my personal phone number and asked whether I had authorized the transfers, to which I categorically replied no. They had my full address, the length of time I have been a customer, and the email address I provided to them. 

I verified the phone number they called from via XXXX, and it appeared to be a Bank of America number, including a branch address that I recall but can not specify exactly which state it was in. 

The banks support staff informed me that the bank contacted the fraudsters and told them that I had given out my card numbers. Although I activated a security alert for transfers and strongly deny this, the bank believes the fraudsters and disregards my position. 

It is necessary for the bank to directly question the fraudsters about how and why such a large sum was spent or transferred, as blindly accepting the fraudsters version is highly unfair and hostile to me as a customer. 

Furthermore, the bank refused to refund the money on the grounds that I allegedly gave my banking details to fraudsters or that someone else had access to my account. I categorically deny this accusation and have a notarized written statement confirming that I did not provide any banking details to XXXX  parties. 

The banks attitude is completely unfair, absolving itself of responsibility while accusing me, despite having full information about all my accounts. 

Moreover, I understand that the bank had complete information about all my accounts and the number of accounts I hold, further demonstrating their knowledge and responsibility in this matter. 



Request : I respectfully ask that you review my complaint and intervene to hold the bank responsible for the immediate return of the amount of {$6800.00}. 

I am ready to provide any additional information if necessary. 



Respectfully, 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 monetary relief