Consumer complaint received 2023-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I was issued a cashiers check hand signed by Bank of America back in XX/XX/XXXX, made out to me, due to my accounts being closed after many attempts to just be able to access my accounts. Due to being XXXX XXXX XXXX XXXXt I opened a saving and checking account with Bank of America in XXXX. Due to school and work, i can only come to the states for a minimal amount of time, in the beginning of semester for courses/classes and at the end to take finals. I opened the accounts to have funds when i am in the states and not worry about carrying any amount of cash when I travel. when I did try to access my accounts, the fraud detection would lock my accounts online, and/or at any atm. when I would call the bank to get access they would always refer me to the financial center to be able to gain access to my accounts. due to minimal time, a busy and hectic schedule while in the XXXX, it was very difficult to be able to go into the financial center within their banking hours. especially during exams which are very difficult and could not be missed, most of my time at school was during banking hours as well. no classes before XXXX XXXX and none after XXXX and no classes sundays, those were the only time i had to do any personal or anything other then school. after trying to access funds back in XXXX of XXXX, again in feburary of XXXX and in XXXX of XXXX, i was told the bank made a decision and closed my accounts due to not complying to their request. the last person whom i spoke with, told me that they were tired of trying to explain to to go into the financial center and had made the decision and it was final. They were going to send any funds in the account to the last updated address made to the accounts. which was ok with me because the address listed was were i reside while in the states while here. I received 2 checks to the listed address, one bank check issued by the bank ( Bank of America ) and a cashiers check also from BOA with BOA logos and watermarks in front and back of cashiers check. the cashiers check was for {$29000.00} addressed to myself at the address stated on the accounts on XX/XX/XXXX cashier check number XXXX from my savings account ending in XXXX. I received the check in late XXXX, early XXXX when in the states for a few days. i took the original check with me back to my home land of XXXX and had possession of it till I came back to the states in XXXX of XXXX when i tried to go in with a relative and deposit the fund so i can access them i was told that the cashiers check had already been deposited into another bank of america account but because of safety reasons they would not give me the name in which the check was deposited but was assured it was not under my name and/nor deposited into any account i was associated with. i stated i had the original cashiers check i received from the bank and never lost it nor gave it to any one to cash nor deposit. they couldn't give any more information and told me to call the customer service number. once i did, customer service wouldn't help me due not being able to authenticate me although i tried explaining that i no longer had an account with BOA and wanted to know whom i can talk to regarding my check. once again i was advise that they couldn't give any information and to go into the financial center. i tried calling a few more times and was able to get authenticated but then transferred to 4 other departments till someone was able to look up the check and see an image of the one that was cashed. the person told me that the check in the image was not one of theirs and was not a cashiers check from BOA nor writing out to the person on the check. he explained to me that the only department who could take care of this was the department who issued the cashiers check to me and transferred to the department. after being on hold for an hour i hung up and called back at this time i once again was denied help nor any information because i couldn't be authenticated and advised to walk into the bank once again. i explained i went in prior to calling but the lady was really rude and would only tell me to go into financial center in which was already Friday and passed the banks hours of operation and due to a national holiday, the banks were going to be closed till Tuesday XX/XX/XXXX. So once again i couldn't make it and still have the original cashiers check issued and personally signed by a authorized person from BOA. so now i am stuck with a original cashiers check issued to me but worthless because another check with another name had already been cashed by a teller at a local financial center. 
my question is how and why was this allowed after being so anti fraud and having all kind of fraud protection and detection? how did someone else get the information and the bank not notice who it was issued to and went ahead and processed it? whom can i send the cashiers check to, so they can issue me a new one? how can i make sure i get my funds and this not happen again? 
thank you ahead of time on overlooking my issue thank you 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