There are several scenarios that could lead up to you noticing suspicious communication and transactions to Bank of America from your account. If your credit card, debit card or checkbook is lost or stolen you should report it immediately as this is the one of the most common ways for malevolent sources to acquire your banking information.
Another way that malicious entities can try to obtain your Bank of America details is through phishing emails. Phishing emails are fraudulent email messages that appear legitimate but are not. Most people fall victim to phishing scams when they do not have to. If you know what to look for most phishing emails have elements that reveal their true intent. Prevalent characteristics of phishing emails include:
You can report a suspicious email to Bank of America by forwarding them the fraudulent email. The bank will only reply to the message if they need more information. It is paramount that you never send any secure information to Bank of America via email.
If you receive a text you think is from malicious sources, you should take a screenshot of the message or a copy of the message alongside the sender's number and send it immediately to email@example.com.
Voice phishing or 'vishing' is an endeavor by a malevolent source to obtain personal and private information via phone. If you receive a call and the caller ID and automated voice appears to be from Bank of America but asks you to confirm account information, be very suspicious because Bank of America will never call you for account data verification. You should record the call and call Bank of America's customer service department. You will either play the call for them or send the recording as per their instructions. You can acquire Bank of America's customer service number from GetHuman.
When making purchases from online retailers you will typically submit your account or credit card information. If you note any suspicious charges to your account, you should contact the merchant from whom the charge has originated and dispute the charge with them. Disputing a charge with a merchant is usually a faster and less strenuous process than opening a dispute with Bank of America. On the contrary, if the merchant is not responsible for the charges on your account, you should report it to Bank of America immediately.
For fraudulent credit card charges, you should sign in to Bank of America's online banking and follow the instructions.
For fraudulent ATM or debit card charges you should call Bank of America's fraud reporting phone number which can be obtained from GetHuman.
It is recommended that you file a report with local authorities if you think any of your bank accounts have been compromised.
Bank of America also has an online help desk where you can report suspicious communications and transactions if the above avenues fail. The link to the help desk can be retrieved from GetHuman.