Consumer complaint received 2023-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
THe bank of America closed my account completely without showing me the reason. A job scam happened to me by transferring {$350.00}. And this story. here is the story I know it later after the bank closed my account " During the past two weeks, I was exposed to a fake recruitment on the XXXX program, where the name of a well-known company, resource-innovations, and the name of the human resources character, XXXX XXXX XXXX, was impersonated to talk to me as the one who hired When did you find out it was a hoax? On Monday, XXXX XXXX, I wanted, like every day, to open XXXX, because it was the means of communication between me and the human resources employee and the equipment seller on a channel called XXXXAt that time, I did not see the presence of the two channels and no trace of the talks. As a searcher for a better job, I found it a golden opportunity with all these benefits, so I entered the telegram, found the channel, and she spoke to me and said that she was XXXX, and she said I will interview you, and the interview was all about designing 10 questions. And I answered it. She asked me about my experience and the companies I had previously employed. And then she said give me half an hour to respond to you with our decision. Exactly half an hour later, the response was : Congratulations, you have been accepted into our team. She sent a list of hardware and software that I would need for remote work.Then she told me that you have to communicate with a channel on XXXX called XXXX XXXX, she said that he is the customer who will provide the devices, send him the list, and we will send you a check for {$3500.00}, as a deposit check. Print it, sign it and copy it in the bank, then send the amount to the seller. She sent me a check for the wrong amount in letters different from numbers, so I told her : She said I will send another. So she sent a new check. I put it in the bank and it was going to reach me on Wednesday at ten in the XXXXXXXX  said it will be late for you, do you have XXXXXXXX XXXX  I said yes. She said : Send it to the seller to send you the devices until the check arrives. I already sent the amount and XXXX sent me the receipt. On the second day : I found that my bank account was not opened at all. I called the bank and they said that they closed my account permanently. I talked a lot, and they did not say the reason. I went to the bank myself, they said there was a suspicious process and the check was withdrawn, so we closed it directly, and it will not be returned. I spoke with XXXX. She said : Didn't they say why? Long talk, I'm trying to shorten it. My history with banks is clean from XXXX  in XXXX, what is happening? I spoke to the XXXX XXXX about what happened. XXXX spoke to me. She said the check was withdrawn so that we can send you a direct amount to your account, and we will hold the bank accountable, because I told her that I was harmed because of you. She said we will solve the issue. Open an account in another bank. And I opened an account. And my exploitation containued that she would send you the devices. I told her that I do not have any money and that you must buy the devices yourself and send them to me. I began to have doubts, but it was the first time to work remotely. I was very happy with the job that would change my life, and I submitted my resignation from my previous job, and I really regretted that. 
What made me even more confident was when I asked the XXXX Employment Office if the company was real, and you said it looked like it. I am very sad about what happened. Especially when I was shocked by the complete disappearance of the channels, and they promised me that they would send me the equipment to work this week. Every day I used to sit in the morning and tell them good morning to be a regular and disciplined employee, but they deceived me. Too many details I can't write, I signed a contract with them and I will send everything I can keep here. '' In the end, the bank did not give me any opportunity to find out the reason for closing my account completely before I discovered the fraud, and I was not given the opportunity to explain and discuss it. I demand that the amount be refunded and that I be given credit.

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