I chose the option through my employer to receive a Bank of America cash pay debit card with direct deposit of my pay checks every two weeks. On June 1 a $400.00 Emergency cash transaction was deducted from my account. On June 2 $900.00 Emergency cash transaction was deducted from my account. Both were unauthorized fraudulent transactions.
I reported the illegal transactions on June 9 by calling the toll-free number on my card. I spoke to multiple people at Bank of America who were unable to assist me with my problem. I finally spoke to a lady who said my money was wired to Georgia via Western Union. She advised me Western Union would be the one to return my money. After speaking to Western Union, I found out there were no such money transfers that matched my Bank of America debit card.
After multiple return calls to Bank of America I found out my secret question was changed and the money was released based on their knowing my secret question's answer, the last 4 digits of my social security number and my address. The Bank of America representative had the authority to authorize the transfer of my money to Western Union. Again I was referred to Western Union to get my money back from them. My question to them was Bank of America gave the authorization to release the money so why is Western Union responsible for returning the money? I got no definitive answer, actually no answer at all. Again I contacted Western Union. Again Western Union had no record of either transaction on my Bank of America debit card. I did have the route number for each of the transactions which I got from Bank of America.
I did everything I knew to do such called as soon as I found out the fraudulent transaction occurred, filed the fraudulent paperwork as per the internet instructions for fraudulent acts and filed a police report. I called multiple times to check on the situation, speaking to many people/departments I was transferred to with no results. I finally spoke to a "supervisor" who was very rude as were others whom I spoke to. When I made my calls I knew I would be transferred or on hold for long amounts of time. The longest being 2 hours. Luckily I was off that day.
I was told I would be contacted by either phone or mail but to this day have not heard from any Bank of America representative. It has been greater than 1 year since this fraudulent transaction occurred with no resolution. I feel Bank of America has a policy to put you on hold/transfer your call to another department that handles this problem only to find out that was the wrong dept. So once again transfered to another dept. With the blame put on someone else (Western Union). Frustration! Yes! I am just a person Bank of America could care less about losing $1300.00 on a fraudulent transaction that would help pay for my daughters college education.
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