Consumer complaint received 2023-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have to report that the last week I received Job offers from the company 's XXXX XXXX XXXX and XXXX to supostly a remote customer service position. Full and part time the second company. 
Since I was supposed to work remotely they sent me a ckecks in order to purchase equipments with local vendors. 
I did deposit those checks into my bank account on line, first check on XX/XX/XXXX by payment amount for XXXX and the second one for XXXX on XX/XX/XXXX, not knowing that the bank has a policy that put the funds available into my account before they confirm the checks are legitimate and clear, so I scope to send XXXX USD on XX/XX/XXXX to the supossed vendor in order to purchase the equipments and as soon as the bank returned the operation at the end of the same day I called my bank to report that situation, so they told me this is a spam and they have to initiate the investigation with the first company. The second check I deposited on XXXX XXXX waitng this time till the check wiil be confirmed for my bank, I thought maybe this second company could be legit, I did research about both company 's on internet websites and either on XXXX, and finally the second check was returned by the bank by mistake- or maybe intentionally- twice, so did duplicate the same charge on XX/XX/XXXX and XX/XX/XXXX, so it affected me tremendously because I have right now on red my acoont check, and the bank told me it would be stay like that until they finish the investigation. 
All these situation is in the context than I recently received my permission to work and my social security number ( between XXXX and XX/XX/XXXX ) and i was Looking for a job by the internet platforms. 
Also as I said I didn't know my Bank 's check account policy, those are the first checks I did deposit into my account even during my all stay in XXXX. 
I really didn't know my bank 's accounts check policy. 
On the other hand in my experience with banks in my country the banks never put available money into customers accounts until the check are clear, so I thought it works similarly hear in XXXX. As I know rigth now some banks has similar policy 's as in my country. 
Otherwise if I would know that policy I wouldn't have send any money to anybody until the bank had confirmed the checks were legitimate and had funds. 
I expect to have soon my money back for the second return my bank was supposed to return once for XXXX My claim is to get back my money ASAP, the bank left my account in red since Thursday XX/XX/XXXX, also did return the payment for my rent because of that on Friday XXXX and right now are forcing us to use our credit cards to make our payments only because they duplicate the charge for XXXX. XXXX. When I called the bank the same day on XX/XX/XXXX the customer service told to the interpreter XXXX XXXX ID XXXX that the funds will back to our- is a join account with my wife - account between Friday XXXX and Saturday XXXX that call was at night of Thursday XXXX of XXXX between XXXX XXXX  an XXXX XXXX  XXXX. And it didnt happened. 
Yestatay we were at the office center of Bank of America and XXXX XXXX employee of the bank, called the security area, and they told we maybe are going to know something about the end of the investigation by Thursday XXXX of XXXX, also than it's possible that the account will be closed and our funds ( XXXX XXXX XXXX could be available by a check in 90 days! 
So please help us in order to have a fear treatment as a customer, and get back us money Immediately. 
Of corse we did learn a lot of this painful lesson and expect no more deposit checks unknowingly deeply the company signed it, and also expect to open accounts with a banks with checks policys similar as in our country, when the funds are avaliable only with the clear checks, no matter if it could take 7 to 10 business days. 
Thank you for your time and your help Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief