Product: Money transfer, virtual currency, or money service

Dear Sirs : C F P B ( Consumer Financial Protection Bureau ) Telephone XXXX XXXX XXXX I hereby file a COMPLAINT against the BANK OF AMERICA of the United States of America. 
Specifically, it is that said Bank has not been able to respond to a case of alleged FRAUD. 
For greater clarity, I attach data that is key to my present complaint : Name XXXX XXXX XXXX XXXX Closed account XXXX Check number allegedly sent by the bank to return the balance of the closed account to me is XXXX XX/XX/XXXX for the amount of U.S. {$4000.00}. 
Fraud case presented to the Bank # XXXX ( Please see attached ) Valid passport with XXXX  nationality XXXX issued in the City of XXXX, XXXX, XXXX XXXX XXXX 
I found myself in XXXX undergoing XXXX XXXX treatment and I am XXXX XXXX XXXX. 
I thank you in advance for the attention provided and the help I may receive. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX C F P B ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LETTER OF EXPLANATION In XXXX of the year XXXX, while accessing my account online ( a practice I engage in infrequently ), I discovered that my account with XXXX XXXX XXXX was not visible within the accounts section. Only the account associated with my credit card ending in XXXX was displayed, which I have been using and diligently repaying up to the present day. 

I promptly reached out to the bank and was informed that my account had been closed for security reasons. I was instructed to await a check for the balance as of that date ( amounting to {$4000.00} USD ). Despite providing the bank with updated addresses whenever I relocated, the check never arrived at any of the designated addresses. 

In XXXX of XXXX, I communicated once again with the bank, only to be informed that the initial check had been returned. I was advised to wait for 15 days, after which a new check would be issued. Regrettably, the replacement check also failed to materialize. Towards the end of XXXX and the beginning of XX/XX/XXXX, I contacted various departments of the bank ( each branch confirmed the situation ). During these interactions, it was clarified that the check had been cashed. Subsequently, I was advised to contact the fraud department. 

Consequently, this marked the last action I undertook, following a comprehensive explanation of the case, which can be summarized as follows : Bank of America closed my account for security reasons and issued a check, which was either sent to my address in XXXX or to the one in XXXX ( a source of confusion ). The bank failed to notify me of the account closure or the impending dispatch of the corresponding check for the remaining balance. According to a bank representative, the check in question, issued by Bank of America, bears the number XXXX, dated XX/XX/XXXX, with an amount of {$4000.00}. It is essential to note that I never possessed a checkbook. 

I must clarify that considering the newly opened case # XXXX, it appears that the bank is under the impression that the missing check is one I initiated. If this is the case, their assumption is incorrect. The check in question is one issued by Bank of America to settle the outstanding balance in my account, totaling {$4000.00}. I am aware of the check number because, during my series of inquiries, an individual provided me with this information. It is worth mentioning that I have not issued a single check from my account to anyone over the past 15 years. 

The identity of the individual who cashed the problematic check remains unknown to me. 

XXXX XXXX XXXX XXXX