Consumer complaint received 2019-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Please find attached to this shared email of information one six paged in a fluctuated formatted versions of pages associated with the original dated XX/XX/XXXX for a prepared written estimate for records of estimate for damages to my XX/XX/XXXX XXXX XXXX, VIN : XXXX. 

Please find contained within this message information that was requested of me from you as you have earlier requested and instructed towards me doing as follows : 1. Insurance Company Name : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL XXXX 2. XXXX XXXX, Appraiser Adjuster ( XXXX ) ( XXXX ) XXXX at the XXXX XXXX XXXX ( XXXX ) XXXX located at XXXX XXXX XXXX XXXX, XXXX FL XXXX 3. Claim Number : XXXX 4. Mailing Address : ( a ) My Mailing Address : XXXX   XXXX, XXXX FL XXXX 5. Detailed Information Of My Poor Experiences : XX/XX/XXXX On the morning of Monday, XX/XX/XXXX of XXXX I arrived to XXXX XXXX XXXX   XXXX somewhere around XXXX XXXX as I had promised in advance before my arrival days before. When I discovered the absence of Mr. XXXX XXXX despite all of my efforts at a prearranged scheduled visit via multiple senior leveled individuals, one of which was Mr. XXXX XXXX ( XXXX ) XXXX a Manager in the Claims Department on Friday, XX/XX/2019 and a secondly unknown named at the authorship of this shared information Femaled Supervisor in Claims Department on Sunday, XX/XX/XXXX at XXXX who conveyed to me via a voiced telephone conversations that they would convey my concerns to Mr. XXXX XXXX via XXXX XXXX internal medium messaging system. 

Please find attached to this shared email of information one six paged in a fluctuated formatted of pages associated with the original dated XX/XX/2019 for a prepared written estimate for records of estimate of damages to my XXXX XXXX XXXX, VIN : XXXX After I had received a dated XX/XX/2019 Check Number : XXXX for the amount of {$410.00} due to and in the absence of creator and author Mr. XXXX XXXX, Collision Claims Adjuster of XXXX XXXX from an unknown named at the authorship of this sharing of information Femaled Representative from XXXX XXXX XXXX as a replacement for the originally dated XX/XX/XXXX Check Number : XXXX for the exact same similarly matched amounted check value I took it towards the Bank of America located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX FL XXXX. While at the Bank of America I was greeted and welcomed by Mrs. XXXX XXXX, Bank Teller as learned by me on Tuesday, XX/XX/XXXX through a followed up returning visit when I spoke to both firstly XXXX XXXX, Relations Manager and secondly XXXX XXXX, Financial Center Manager. Mrs. XXXX XXXX after ( 1 ) accepting my current and valid government credentials while standing before her and ( 2 ) observing me signature by endorsement of Check Number : XXXX for the amount of {$410.00} ( 3 ) Mrs. XXXX XXXX refused to cash my check and exclaimed that I could not cash Check Number : XXXX for a cooling off period of at least a single 24 hours for period of time had transpired or expired from the original date of Check Number : XXXX which was dated for XX/XX/2019. Mrs. XXXX XXXX at this moment failed to ( 1 ) cycle Check Number : XXXX through the Federal Government mandated security counter measuring device which is used to ( a ) track and log check cashing transactions or attempts at transactions as a security measure and for ( b ) rapidly determining if the account in question and challenge had or has sufficient demanded amounts of funds to cover the requested amounts of guaranteed legal tend being instantaneously expected and requested to be delivered upon the requester 's immediate request after providing both a valid state identification as credential for signing authorship as assigned by my name as applied to Check Number : XXXX and the sole authority to make a valid civil right for course and cause for action of a demand for the immediate satisfaction of full instantaneous payment for the amount of XXXX XXXX XXXX dollars along with XXXX cents.

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