Consumer complaint received 2018-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America withdrew three checks for {$860.00} each back out of my account weeks after I had originally deposited the checks. They deposited the money into my account just like they had done the entire time I worked for XXXX XXXX 's which is owned by XXXX XXXX XXXX, then Weeks Later took the money back out of my account. The first check that they took back for {$860.00} was check number XXXX dated XX/XX/XXXX XXXX. I had originally deposited the check on XX/XX/XXXX of XXXX and they took the money for the first check back out of my account on XX/XX/XXXX of XXXX. As soon as I saw that they took the money back I immediately called and spoke with Bank of America. They informed me that the check has been cashed a second time at a XXXX XXXX XXXX Bank. I called and spoke with XXXX XXXX XXXX Bank and initially they were willing to talk to me and try and figure out what happened. The next time that I talk to them they informed me that they would not be able to speak with me any further about the case unless there was a subpoena from a judge. I then immediately went down to Bank of America and spoke with them in person. I am not sure of the lady 's name but I'm sure we can figure that out. She informed me that there was NOTHING that Bank XXXXf America could do to help me, and I would have to try and get my money back from XXXX XXXX XXXX. As soon as I found out that the checks were stolen and cashed somewhere else a second time I called and spoke with XXXX XXXX ( XXXX XXXX XXXX ) who was my boss at XXXX XXXX. He then went to XXXX and spoke with XXXX XXXX XXXX the branch manager the phone number there is XXXX XXXX XXXX. XXXX told XXXX that he would not be able to share any information with him because it wasn't his money. I thought that was strange just because XXXX does represent XXXX XXXX  the company that the stolen checks were drawn off of. After learning this I called and spoke with XXXX and he told me that he would do anything that he could to try and help but thank five would not be responsible for reimbursing me in any way. He also said that he will cooperate fully with law enforcement. Once I realized that none of the banks were going to take any responsibility I immediately called the XXXX XXXX Police Department. I met with officer XXXX XXXX at a XXXX XXXX and explained the situation. He took the report and followed up by talking with XXXX XXXX XXXX Bank. They told him that they could not reimburse but they did tell him where the checks were actually cashed. They were cashed at a place that XXXX XXXX XXXX Bank represents called XXXX in XXXX XXXX. This is a convenience store that also cashes checks. Officer XXXX then went to XXXX and spoke with the manager. The manager informed him that once they get to know a person 's face they no longer ask for ID in order to cash checks. He also informed officer XXXX that several people from XXXX XXXX 's cash their checks there and that of all the people that do so XXXX XXXX would be the most likely suspect. Officer XXXX went and spoke with XXXX XXXX the XXXX at XXXX XXXX 's. He told me that he did not have enough evidence to actually charge XXXX although he did feel that he was probably responsible. Approximately a week and a half later Bank of America took back the money for two more of my paychecks!!!!. This brought the total of what Bank of America took from me to almost {$2600.00}. Those two check numbers were XXXX and XXXX. ( I have attached copies of all three checks ). Once I learned that Bank of America took another two checks from me I went back down and spoke with them in person again. I spoke with the same lady whose name I can't remember but we will be able to find. She informed me that these two checks would be treated just as the first and they would not be able to help me at all. I then called and spoke with someone at Bank of America 's corporate office and they stonewalled me as well. The bottom line is that all three Banks know that check fraud was committed and each one blames the other. Not one of them is Are going to give me my money back and I don't know where else to turn. I have exhausted all efforts with all three Banks and with law enforcement. I also spoke with a lawyer that said I needed to file a case against all three Banks and that a judge would most likely give me my money back because it will be clear that I am not responsible and that one of them is. He said that there were no guarantees with that though obviously. He said that he would go in and take the case and defend me but I would have to pay him {$800.00} but I just don't have that. There is an open warrant for XXXX XXXX for cashing a fraudulent checks in and around XXXX XXXX and XXXX Rhode Island as well as identity theft. He stole identities from people that worked at XXXX XXXX 's while he was the chef and I was the XXXX  XXXX. I have even offered to help the police track him down but they have not accepted my offer. I have done NOTHING WRONG whatsoever and I'm out {$2600.00} which is a significant amount of money for me. It actually forced me to lose my apartment!. My dad is the one that told me about you all at the Consumer Financial Protection Bureau and said that I should reach out to you. If ever there was a reason for this Bureau I think that this is a great case for you to help me with. I have attached all of the emails between myself and the police department which contain all of the check numbers including photocopies and more exact dates and names and places. The police report number with XXXX is '' XXXX ". I lost my copy but we can easily get another. XXXX XXXX was my contact at XXXX XXXX XXXX I forgot to mention that earlier, and also the Bank of America Fraud dept number is XXXX XXXX XXXX. I I am willing to do anything I can to help you all help me. Please reach out to me. Although we dont have proof yet I guess XXXX XXXX had to have stolen the checks out of my box which were locked inside the office. This is also where he stole all of the information he needed to steal my employees identities. He also stole deposits directly from the safe!! XXXX XXXX of XXXX XXXX XXXX in XXXX XXXX MA is the owner of XXXX XXXX XXXX, and he is totally aware of everything that XXXX stole from him and his employees. I feel like ultimately it will be XXXX that will have to reimburse Bank of America because they are the ones that cash the checks without identification, but I dont know how the law works with stolen checks and check fraud. It is unbelievable that Bank of America with all of their money and power will not research the matter or help me, their customer, in anyway. They got their money and they want me to go away. Please help me with this I will be available 24/7 for anything that you could possibly need. I can provide any information that I have not included and I'm willing to do so. Thank you so very much for your time on this matter you are my last hope for getting my money back please reach out to me and I will help in any way I can. 

My new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Massachusetts XXXX. Can you please change that information? I no longer live at 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 explanation