Consumer complaint received 2021-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I had requested a secured card through Bank of America in XXXX of XXXX. I gave the branch XXXX in cash and got a receipt. My card was never processed and I had forgotten about the card since my mom became gravely ill around that time and passed away XX/XX/XXXX. I found my receipt for the XXXX dollars and went in to the branch that I had given the money. They pulled up a cashiers check that they had purchased to send in to the secured card department and printed the front and back of the cashed cashiers check. They said it went into my bank account. I had not had a B of A account for years but all of my boys and my husband did. 
I took the copy of the check and reviewed it. It had no signature or account number or finger print that is required whe cashing a check and not having an account. I never received the check and did not cash it. It was cashed at the same branch and the only numbers on the check were that of B of A. They had cashed my check and kept the XXXX dollars. I went to the branch a few times and they were no help. I called the fraud unit and filed a claim and after a few weeks they said that they could not give me the money back because when I opened and account ( which I did not have with them ) that in the agreement it stated that I had 60 days to bring up and charges or discrepancies to them to file a claim. I explained that I did not have an account with them. I also said that when the cashiers check was returned and they could not locate me that they would have been required to forward it to the state as unclaimed funds. They simply could not keep XXXX dollars of mine. I also called he credit card department and they said they had no record of an application for a secured card for me. 
Simply put.. I gave the XXXX XXXXXXXX California B of A branch XXXX dollars for a secured card. They never set my application to the credit card department. I never signed anything. The gentleman did it on hi computer. I have a receipt for the XXXX and a copy of the cashiers check that they cashed and they refuse to give me my money that I gave them in good faith back to me which is {$1500.00}. 
The cashed cashiers check had some information on the back of it and all of the acccoutn numbers were to that branch. However there was a date and time it was cashed and the teller info, the account number which is b of a XXXX XXXX branch the rounding number which is also the XXXX XXXX rounding number and than it says cashed check XXXX and than I takes reference to ID that was used with the number *********** out but XXXX and the expiration date of XX/XX/XXXX was visible. I have not held a XXXX ID or License since XXXX. I live in XXXX 
I was told to file a complaint with XXXX and I did. I received a letter from OFFICE OF THE CONTROLLER OF THE CURRENCY that said I need to file a complaint with your department. I have been trying to get my money back for years and I do not understand why it is so hard. Please help me.

Company response to consumer: Closed with explanation