Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
IC3 Logo Your IC3 Complaint Submission ID : XXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXX Were you the XXXX affected in this incident? Yes Your Contact Information Name : XXXX XXXX Business Name : XXXXXXXX XXXX XXXX Phone Number : XXXX Email Address : XXXX Complainant Information Name : XXXX XXXX Age : XXXX - XXXX Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Country : United States of America State : XXXX Zip Code/Route : XXXX Phone Number : XXXX Email Address : XXXX Business Information Is this on behalf of a business that was targeted by a Cyber incident? Yes Business Name : XXXX XXXX XXXX Is the incident currently impacting business operations? Yes Financial Transaction ( s ) Did you send or lose money in the incident? Yes What was your total loss amount? XXXX Transaction Type : Wire Transfer Was the money sent or lost? Yes Transaction Amount : XXXX Transaction Date : XX/XX/XXXX Did you contact your bank, financial institution, or cryptocurrency exchange? Yes Originating Bank Name : Bank of America Originating Bank Address : XXXX XXXX XXXX XXXX Originating Bank City : XXXX XXXX XXXX Originating Bank Country : United States of America XXXX Bank State : XXXX Originating Zip Code/Route : XXXX Originating Name on Account : XXXXXXXX XXXX XXXXXXXX Originating Account Number : XXXX Recipient Bank Name : XXXX XXXX XXXX XXXX on Account : XXXX XXXX XXXX XXXX Account Number : XXXX Information About The Subject ( s ) Name : XXXX XXXX XXXX Business Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miami Country XXXX United States of America State XXXX XXXX Zip Code/Route : XXXX Phone Number : XXXX Description of Incident Provide a description of the incident and how you ( or those you are filling this out on behalf of ) were victimized. Provide information not captured elsewhere in this complaint form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX On Friday, XXXX XXXX I received a call from a gentleman who said they were with Bank of America. During call the person on the phone asked if I had XXXX different charges from XXXX. XXXX for {$500.00} and another charge for {$74000.00}. I stated I didnt and they were fraudulent charges. At this time, he proceeded to say we have to go to your bank account and stop these charges. XXXX XXXX had my username. I didnt know my password, so he gave me a temporary password over phone. Then he said he was going to send me a code to stop call forwarding because he thinks thats how they got my information. This would stop out of state charges. BOFA XXXX sent me multiple codes to what I thought to fix this issue. After the call I noticed the name on caller ID was XXXX XXXX ( XXXX ) XXXX. After I got off the phone, I checked my email and noticed all the codes I was giving this person on the phone was to send a wire transfer out of my bank account to XXXX XXXX out of XXXX. This was at XXXX. By XXXX I called Bank of America to say I thought we stopped these charges from coming out. I see the money physically left my account at this time. Bank of America told me they have no record of calling me on the stated day. I told Bank of America we have a problem and filled a wire fraud claim immediately. The following day, Saturday, XX/XX/XXXX I went to Bank of America to put a wire recall in. On Thursday, XX/XX/XXXX XXXX XXXX called me around XXXX to ask if I sent a wire transfer. I stated I didnt do the transfer ; this was fraudulent transfer and asked if they had the funds. The person on the phone said they do have the funds. XXXX days later, XX/XX/XXXX I went to XXXX XXXX and spoke to branch manager XXXX XXXX EMAIL : XXXX. She told me that they spent $ XXXX of the $ XXXX leaving $ XXXX remaining in his bank account. At this time no more monies can be taken out. At this time, I went back to Bank of America on multiple occasions. I spoke with XXXX XXXX XXXX solutions advisor in XXXX XXXX XXXX branch. Email : XXXX. Also called wire fraud department numerous times asking the status on my claim. I was told it looks like I was the one who did the transfer, according to what they could see on their end. The bank wanted me to say I transferred funds unknowingly. Then possibly they would be able to recall the money back. I do not want to say I did this transfer the funds when I know it was not authorized by me. XX/XX/XXXX went to XXXX XXXX sheriffs office to file a report. Report # XXXX with officer XXXX, XXXX. XXXX XXXX is waiting for the detectives to subpoena the bank for the gentlemans information. As of now, we know the money went to XXXX XXXX XXXX Account Number XXXX and name on account is XXXX XXXX XXXX Address for business in XXXX is possibly could be where he lives. Mailing XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Information can be looked up on XXXX XXXX business page. If you need more information on codes, phone text messages, and bank information I will be able to send separately. Other Information If an email was used in this incident, please provide a copy of the entire email including full email headers. wire type : wire out Date : XXXX XXXX ET TRN : XXXX XXXX Service REF : XXXX XXXX : XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX ID : XXXX XXXX XXXX : XXXX If you have reported this incident to other law enforcement or government agencies, please provide the name, phone number, email, date reported, report number, etc. XXXX XXXX sheriffs office to file a report. Report # XXXX with officer XXXX, XXXX. Is this an update to a previously filed complaint? No Privacy & Signature : The collection of information on this form is authorized by XXXX or more of the following statutes : 18 U.S.C. 1028 ( false documents and identity theft ) ; 1028A ( aggravated identity theft ) ; 18 U.S.C. 1029 ( credit card fraud ) ; 18 U.S.C. 1030 ( computer fraud ) ; 18 U.S.C. 1343 ( wire fraud ) ; 18 U.S.C 2318B ( counterfeit and illicit labels ) ; 18 U.S.C. 2319 ( violation of intellectual property rights ) ; 28 U.S.C. 533 ( FBI authorized to investigate violations of federal law for which it has primary investigative jurisdiction ) ; and 28 U.S.C. 534 ( FBI authorized to collect and maintain identification, criminal information, crime, and other records ). The collection of this information is relevant and necessary to document and investigate complaints of Internet-related crime. Submission of the information requested is voluntary ; however, your failure to supply requested information may impede or preclude the investigation of your complaint by law enforcement agencies. The information collected is maintained in XXXX or more of the following Privacy Act Systems of Records : the FBI Central Records System, Justice/FBI-002, notice of which was published in the Federal Register at 63 Fed . Reg. 8671 ( XXXX XXXX, XXXX ) ; the FBI Data Warehouse System, DOJ/FBI-022, notice of which was published in the Federal Register at 77 Fed . Reg. XXXX ( XX/XX/XXXX ). Descriptions of these systems may also be found at www.justice.gov/opcl/doj-systems-records # FBI. The information collected may be disclosed in accordance with the routine uses referenced in those notices or as otherwise permitted by law. For example, in accordance with those routine uses, in certain circumstances, the FBI may disclose information from your complaint to appropriate criminal, civil, or regulatory law enforcement authorities ( whether federal, state, local, territorial, tribal, foreign, or international ). Information also may be disclosed as a routine use to an organization or individual in both the public or private sector if deemed necessary to elicit information or cooperation from the recipient for use by the FBI in the performance of an authorized activity. " An example would be where the activities of an individual are disclosed to a member of the public in order to elicit his/her assistance in [ FBI 's ] apprehension or detection efforts. '' 63 Fed. Reg. 8671, 8682 ( XX/XX/XXXX ). By typing my name below, I understand and agree that this form of electronic signature has the same legal force and effect as a manual signature. I affirm that the information I provided is true and accurate to the best of my knowledge. I understand that providing false information could make me subject to fine, imprisonment, or both. ( Title 18, U.S.Code, Section 1001 )

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