Consumer complaint received 2017-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To XXXX XXXX XXXX XXXX, I decide to write this letter because I don`t see any other way to get back my losses. I did everything what I could but they don`t care not me not federal laws and acts. 
First, I want to introduce myself. My name is XXXX XXXX. In summer of this year, I was traveling to XXXX. At that time, I was a victim of huge theft that is harming me until today. I`m a customer of Bank of America very long time. The last time that I used my card was on XXXX/XXXX/XXXX. I do remember I was at the bar. If I`m remembering right the bill was {$14.00}. I gave my card to waiter for paying the bill. I don`t remember all details. 
On XXXX/XXXX/XXXX after many searches, I could not find my BOA card. I called to the bank to report that my card lost or stolen. My concern was that my card was stolen. Bank representative said that there are some transactions. I said that the last transaction that I made with my card was on XXXX/XXXX/XXXX and amount was {$14.00}. That one I authorize. Thereafter that transaction is not authorized by me. 
They separated my claim to three claims. First Claim Number is XXXX for the amount of {$560.00}. Second Claim Number is XXXX for the amount of {$5400.00}. Third Claim NumbeXXXX is XXXX for the amount of {$820.00}. 
On XXXX/XXXX/XXXX, I did receive three emails ( See attachments XXXX, XXXX, XXXX ) from BOA stating that they are denying claims. They wrote that they did not find any errors and will not credit anything to my account. I don`t know which part they didn`t understand that I DO NOT AUTHORISE ANY TRANSACTION after {$14.00} amount. 
I called them to know what is going on. They told me that they are denying the claims. In addition, told me that they will reopen the claims if I send something to them. They never sent me any affidavit or form for explanation and sign. Therefore, I decided to write a letter with explanation and my signature and fax to them. 
On XXXX/XXXX/XXXX, I did receive three emails ( SeXXXX attachments XXXX, XXXX, XXXX ) from BOA stating that they are denying claims again. Why they are requesting something knowing that they will deny the claims again? Wasting my time and nerves. 
After that, I called them requesting all documents and information that they used during investigation of my claim. They told me that they just look at the statements. I told them to send in written form that their decision of denying my claim was made by just looking at my statements. They did not send that, but instead of that on XXXX/XXXX/XXXX ( See attachments XXXX, XXXX, XXXX ) they send me the same thing that they sent on XXXX/XXXX/XXXX stating that they made a right decision. 
With that last emails they have proved that they don`t care about their customer who lost money because of fraud. Thanks XXXX federal Laws and Acts protecting me from thieves and unfair bank decisions. 
As I read here https : XXXX If my credit, ATM, or debit card is lost or stolen, federal law limits my liability for unauthorized charges. My protection against unauthorized charges depends on the type of card and when I report the loss. 
The Fair Credit Billing Act ( FCBA ) and the XXXX XXXX XXXX XXXX XXXX XXXX ) offer protection if my credit, ATM, or debit cards are lost or stolen. 
Once I report the loss of my ATM or debit card, federal law says I can not be held liable for unauthorized transfers that occur after that time. 
If I report an ATM or debit card missing before someone uses it, the XXXX says I am not responsible for any unauthorized transactions. If someone uses my ATM or debit card before I report it lost or stolen, my liability depends on how quickly I report it. Using liability sheet ( see link above XXXX my liability is max {$50.00}. I told about that to Bank of America they don`t care. I hope that you will help me to fight for my rights. 

Regards, 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