Checking or savings account -- Managing an account -- Complaint #6016359
Complaint Overview
Complaint ID: 6016359
Company: Bank Of America, National Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
State: California
ZIP Code: 91401
Date Received: 2022-09-24T12:00:00-05:00
Date Sent to Company: 2022-09-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My name is XXXX XXXX. I have a checking account with Bank of America. And I have another account with the name of XXXX XXXX who is my son ( minor ) and I can manage my son 's account with all activities. On XX/XX/2022 around XXXXXXXX XXXX while I was driving back home, I noticed my Bank of America app on my phone was notifying, so I stopped to check and the app was telling me that there has been several unsuccessful attempts to log in to my account, so for me to log in I have to change my password and username. After doing that I found out that there was one unauthorized transfer from my son 's XXXX XXXX 's account to my own checking account with the amount of XXXX USD and to make it worse I noticed four unauthorized XXXX transfers from my checking account with the amount of XXXX USD. I immediately called the bank and they told me to change the password and the username immediately and I gave them all the information about this incident and the person who was talking to me told me that in ten to eleven business days I'll be credited with temporary amount for this occurred fraud, till this investigation is concluded. After two to three weeks I received two emails and two letters from Bank of America stating that the case is closed and that they found out that there was nothing suspicious, well in this case I strongly disagree with the Bank 's investigation. Because of the following points : 1.It is suspicious that I'll do four XXXX transfers from my account to the same person whom I do not know and when I asked the Bank about his phone number or who he is or his contact, the Bank gave me no answer so far. 2.Usually when there is a XXXX transfer I receive a text message and an e-mail, checking my text message and my e-mail I did not find anything, and when I asked the Bank about why I didn't receive and e-mail or a text, they said that the e-mails and the text were deleted instantly. I strongly feel suspicious about this activity, transferring to the same person at the same time frame, and deleting all e-mails and texts, the Bank however should have sent all corresponding e-mails, that they've received or sent, instead of telling me that it was instantly deleted. This is highly evident that I've been a target to fraud, and the bank is not cooperating or launching a real investigation with all the their tools and means of investigation. In conclusion I lost XXXX USD through unauthorized transfers from my checking account. I hope you can help me to recollect my money back. Best Regards, XXXX XXXX
Frequently Asked Questions
What is Complaint #6016359 about?
Complaint #6016359 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 2022-09-24T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with explanation". The response was not 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.