Consumer complaint received 2017-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello Team,
I was trying to sell the car through XXXX and got the message that person named XXXX XXXX is interested in buying the car. He sent me first the check of $XXXX and i tried to deposit from my mobile app but i was not able to do as my limit was to deposit $XXXX. I went to Bank of America ATM and deposited the money (Transaction number - XXXX). Next day same person called me and said he has sent another check of $XXXX as i have limit of $XXXX so he don't want to delay it and sent it via USPS (Tracking # XXXX), Check name - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX, Check Number - XXXX XXXX. He cancelled the old check of $XXXX and i deposited the new check of $XXXX using my bank mobile app. Now, my bank credited $XXXX out of $XXXX. So, i informed that person that $XXXX has been credited and he asked me to wait to get remaining $XXXX  credit. Now game starts from here when next day he message me to give money to his movers as he is using the local bank and they have bank of America. So, he told me that out of $XXXX if i can transfer $XXXX to them and then he will give this amount with remaining $XXXX when he will come to pick the car. I transferred the amount of $XXXX (he asked for $XXXX) to the account he sent me. Later, i noticed that $XXXX which was credited by the bank went on hold and $XXXX which i gave was gone from my balance earlier than $XXXX credit. I want to file complaint against my Bank of America also as why did they credited $XXXX when it was fake. I called bank and asked them to return my $XXXX and they did it temporarily but today morning they took it away. I am copying all the conversation happened with that person. Let me know what all proof is required. I want my $XXXX if that person cannot give then bank should take this settlement. 

From: XXXX XXXX 
Sent: Saturday, XX/XX/XXXX XXXX XXXX
To: XXXX XXXX
Subject: Messages
 
Hi, My name is XXXX 
This is regarding the car you posted on XXXX
What's the condition and for how many years have you been using it
Hello...condition is totally brand new nd m using it since XX/XX/XXXX
Good morning
I try to call you
Actually we are moving down to your location probably in a week to this time with my family
That's the reason why we are buying the car for our personal use
What's the milliage and price? M sorry m actually outside nd battery is low...mileage XXXX and price $XXXX
That's a low mileage
Pls hold let me check with my wife
I will get back to you shortly
Yes and also recently serviced as per XXXX mileage regular service and always been serviced on time plus yesterday i changed two tyres too sure let me know
Just now I check with my wife and we are buying the car
We are leaving here by next week Friday
But we have decided to make the payment to you today so that we can secure the car ASAP before we arrive at your place by next week
Pls let me know if that fine
Is the car on a loan?
Sure and yes it is on loan....
Ok
I will be mailing you a check tomorrow for the payment by USPS and it's going to be delivered to your mailbox on Saturday
Once you encash the check and have the funds credited, then I come down to your place to pick up the car myself by next week Friday
Okay no issues thanks
You can pay off the loan once you receive the funds so that they can proceed the title before we arrive
Yes i will do the same.....
Text me with your name and mailing address so that I can make the payment
Pls make sure you keep the car for us and wait for the check on Saturday
Name - XXXX XXXX
Address - XXXX XXXX XXXX XXXX, NJ-XXXX and dont worry as you are the first to call me i will not consider other person 
Wow
Thanks
I will let you know once I make the payment
Sure thanks....
Happy XXXX XXXX
Same to you XXXX... enjoy your holidays
Hi XXXX
I just made the payment for the car. And the check will be deliver to your mailbox by tomorrow/Monday unfailingly
Pls let me know once you get the check
Thanks
Hey XXXX thanks surely will let you know
Hi XXXX... Good Morning... did you get any update about your check where it has reached
Thanks
XXXX Hi XXXX
Am on my way to my office
I will check with USPS and let you know
Okay thanks...
Thanks and have a nice day
Hi XXXX
I just check with USPS and they apologize for delaying the package but they assure me you will have the mail before Wednesday. It was delayed due to the weekend
Pls kindly bear with us
Hi XXXX... no issues i just wanted to check for the status...
I will let you know once i get the check in my mailbox
Thanks
Ok
Hi XXXX,
Hope you are doing well!!!

Just to inform you that check is not been delivered to my mail box yet

Thanks
XXXX
Pls hold
I will get back to you
Sure no issues XX/XX/XXXX...
I just check with USPS and they told me the mail will come by tomorrow. I mistakenly choose 3days delivery
Pls lets wait till tomorrow
Hi XXXX... no issues
Pls also try to deposit the check today so that you can have the funds credited by tomorrow
Thanks and have a nice day
Yes definitely once i reach back home in the evening i will deposit the check in the bank online. I will let you know... thanks XXXX and have a good day
Sure
Can you check your mailbox for the check?
Hello XXXX i will reach home by XXXX i will txt you once i will get the check
Ok
Thanks XXXX
Can you also deposit via mobile deposit or atm?
I will deposit tonight via my mobile app
Sure
Thanks
Hi XXXX just reached home and checked the mailbox....nothing is there in that. Can you check with the tracking number please
I got the message in the morning from usps that some for is out for delivery so thought it will be your check let me know if you have the tracking number 
Pls hold
Okay
I thought the mail has arrived in your mailbox but it's already in location. Pls kindly pick up the check from the post
Below is the USPS tracking number for a confirmation
XXXX
Pls kindly pick up package from the post office tomorrow
 Okay but as per tracking it says XXXX so do i have to go to XXXX post office or XXXX?
OK. Pls let's wait till tomorrow and see
Is XXXX far to your place?
Yes its 30 miles
Oh really
OK let's wait till tomorrow afternoon
And see
Thanks
Sure XXXX will wait thanks
The mail will come today
It's already at your zip
Pls keep checking
And have the check deposited today
Hello XXXX... surely i will let you know by evening one i reach home and once i get it i will deposit it online immediately and will update you
The check has been delivered to your mailbox
Pls check
Yes XXXX i was going to message you that i have received an email stating that it has been delivered to my mailbox i will leave from office by XXXX and will reach by XXXX... i will let you know that i got the check and once i deposit the check online that too
Thanks
Sure
Thanks
Hello XXXX... received the check and tried to deposit the check from mobile app but my deposit limit is $XXXX so i need to deposit at the bank atm... i will go in another one hour to deposit the check
Thanks
Sure
You can deposit  the check at the atm
Is the check deposited now?
Have you now deposited the check?
Pls respond
Hi XXXX  sorry phone was on silent i just left to deposit check will let you know for sure in another 20 min
Sure
Hi XXXX just now deposited the check from atm... will let you know once amount will be credited to my account 
Thanks
Ok
You can check your account to confirm the funds by tomorrow
Funny
Sorry that's a mistake
When do you want us to come for the car?
Pls respond
Hi XXXX i was driving cos of which not able to respond... i will keep an eye and whenever amount will be credited i will message or call you
You can come next weekend sat or Sunday... hopefully by then amount will be credited...
Sure
Thanks
Have a good night XXXX....
Good morning
Can you check your account to confirm the funds. You should have the funds credited by now
Thanks
Hi XXXX... checked but it did not came yet... will let you know once it will be credited
It says deposit hold and amount delayed XX/XX/XXXX
Ok
You  can check on Monday
Okay
Hey XXXX... just a question are you sending two checks of $XXXX and $XXXX?
I posted for $XXXX. I will balance you up with remaining amount for $XXXX when I come to pick up the car at your place
I deliberately posted the check for $XXXX since your limit on mobile app is $XXXX and you may not have time to go to the bank
I will balance you up with the $XXXX when we come for the car at your place
Okay sure so just curious to know if in this week $XXXX is credited from your old check then shall i give you check or online transaction as you are already giving me new check and cash respectively
I just made this so that we don't have any delay
Hi XXXX... got the check and deposited it via mobile app . I will let you know once amount will be credited
Thanks
Sure
Thanks
Good morning XXXX
Can you check your account to confirm the funds
Thanks
Good Morning XXXX.... till now it has not come yet but i will definitely tell you once i receive funds
Thanks
Sure
What's the status?
Hold on deposit....
Is the new one showing pending?
Yes... out of XXXX... XXXX and XXXX are on hold for XX/XX/XXXX and they credited $XXXX
Oh that's good
The rest will be credited by
The remaining amount will be credited by tomorrow
Yes...will let you know
Sure
Good morning XXXX
Pls kindly confirm the status. You should have the funds credited by now
Also when do you want us to come for the car?
Hi XXXX i checked in the morning not yet credited to my account
Will inform u once i get the amount credited... if amount gets credited till tomorrow then you can come on sunday ...
Also wanted to check with you as once i get the amount credited of $XXXX i will immediately clear the loan.... but i think title takes 10-15 days so how the process will be...
Sure
You can also check in the afternoon
Yes i will keep checking and the moment i will get the amount i will inform you...
Oh thanks
Hey XXXX... you cancelled the $XXXX check right?
I have to check will my wife about that
Is the XXXX credited?
Okay may be i have less network connectivity here... what happened is my bank processed the $XXXX and i dont know if the check got bounced or you cancelled the check after they process it so they charged me overdraft fine i will be talking to my bnk about that but can you confirm if your wife cancelled the old check?
Yes she just told me she cancelled it
So no problem about that
Is the $XXXX credited?
Yes i was checking that and it has not yet credited
Ok
Let's wait
Yes
Actually you cancelled it so they have put on hold to my savings account due to overdraft protection and they said check is returned so you will be charged for that...i am on call with my bank to know the status and also to remove the hold from savings account
Pls talk to them to remove the hold. I will be charged for it
Pls let them credit the $XXXX
Yes i am talking to them
What's the update from your bank
Still on call XX/XX/XXXX.... waiting time is more
Hi XXXX checked with them now and they are saying... out of $XXXX-$XXXX already credited, $XXXX will be crediting tomorrow and remanning $XXXX on XX/XX/XXXX
Ok
Definitely we will be coming by next week to come and pick up the car
Am very sure the remaining amount will be credited before then
Yes... sure
Hey XX/XX/XXXX so remaining $XXXX you will give as check or any other mode... just wanted to check
I will be paying by cash when we get to your place
Okay... i again checked with the bank to clear it on priority basis... will update you once amount will be credited...
Oh mean they should clear all the $XXXX once?
Not sure because the deposit is divided into two parts one part is of $XXXX which should be getting crediting tomorrow and other for $XXXX which is scheduled for XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation