Checking or savings account -- Managing an account -- Complaint #17854125
Complaint Overview
Complaint ID: 17854125
Company: Bank Of America, National Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
State: Delaware
ZIP Code: 19711
Date Received: 2025-12-08T12:00:00-05:00
Date Sent to Company: 2025-12-09T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XXXX I noticed that there were withdrawals to my account to XXXX XXXX that I did not authorize. There were also XXXX checks written for {$1000.00} each to me and mobile deposited into my account. I did not authorize these deposits, nor sign the back of the checks. I called Bank of America that evening and reported the fraud. The next day I realized that someone had been moving money between my savings account and my checking account and I called Bank of America again to report this and to ask that my account be frozen. Initially I was only told they would send me a new debit card. No one put a fraud alert on the account nor froze the account. An agent at the bank, put a freeze on the account at my request and then helped me set up a new account where I transferred money from my savings account so that it could not be taken as well. Over the next few days the checks bounced and {$2300.00} changed from processing to officially being fraudulently taken from my account. I was told by the agent I spoke to on the phone that a fraud department would look into it and I should receive my funds back in XXXX to XXXX days. On XX/XX/XXXX I lost XXXX banking access to the bank account that had no fraud on it and nor could I see any information on the fraudulent account. When I called the bank, they said that my account was closed for fraud and that they denied my claim and that I would have to make an appeal. On XX/XX/XXXX in the evening I faxed the claims department per their direction an appeal on the denial for the claim and stated that I did not make these authorizations for XXXX XXXX transactions nor did I deposit the checks. I did not hear back from the bank. Today I got a letter dated XX/XX/XXXX saying my accounts were closed and that they would mail me a check for any funds that were in my account. No one has responded to my appeal nor answered any questions that I have about the fraud department decision. When I spoke to an agent at the bank, they were very dismissive and told me I needed to talk to the people in claims, but I had just been transferred from claims to fraud prior to that. I have had {$2300.00} stolen from me. I have reported this to the FTCs identity theft program. I have reported it to the bank, but I have not gotten further response.
Frequently Asked Questions
What is Complaint #17854125 about?
Complaint #17854125 was filed against Bank Of America, National Association regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2025-12-08T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Bank Of America, National Association?
Yes, visit the Bank Of America, National Association company profile at readthecomplaint.com/company/bank-of-america-national-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.