My Sister and I have accounts in Bank of America. She is in XXXX and I live in XXXX. I wanted to transfer {$200.00} to her account. I logged in the Bank of America mobile application and used the " Transfer Money '' feature. It prompted me for a Cellphone or Email address and the full name of the recipient. I input my Sister 's full name and her mobile number and clicked on Submit. The next day my Sister notified my she had not received the money yet so I called Bank of America. I spoke to one of the associates there and I was notified that the money transfer was sent to an account in XXXX XXXX. They were not able to provide me with the information of the owner of the XXXX XXXX account. Bank of America is telling me that this is my mistake. That I should have not used a mobile number. Bank of America opened a " dispute '' on the transfer but notified me that if the owner of the XXXX XXXX account refuses to return the money, then that means that I have lost the {$200.00}. I will never see the {$200.00} again. 
My Sister number is also registered under Bank of America so I do not understand why would the transfer be sent to " Outside '' of the Bank of America network instead of figuring it out that there was an account within Bank of America with the same mobile number registered. My Sister does not have an account with XXXX XXXX. She only has a XXXX XXXX through them. I am on my second day calling Bank of America and they keep avoiding me and putting me on hold. When I finally contact an associate they tell me that there is nothing they or I can do but only wait. This transfer feature is not secure and it is faulty. Bank of America needs to be held responsible for this mistake and audited to make sure this error does not happen again to other customers. 
