Consumer complaint received 2023-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I hereby submit a Claim against Bank of America, for : 1. Acceptance of Fraudulent Transaction with deposit of Payroll check through an ATM and obstructing the claim. 2. Paying funds from a payroll check that has identification of the name and the employee 's physical address written on the front of the instrument to an unauthorized third party without verifying personal identification. 3. Pay a payroll check with a special endorsement ( Mobile Deposit ) to a third party not authorized by the person to whom the payroll check was issued and/or issuer of the payroll check. 4 Sending incorrect or wrong information of the final recipient of the funds to the Issuer Bank in the Clarification process and refusing to send the information of the final recipient of the funds to the Issuer Bank of the financial instrument. 5. Refusal by Bank of America to Accept Claim and generate Ticket number. ( Only allows a reference number for internal use ). 6. Bank of America 's refusal to send a written response by postal mail as to why Bank of America took financial funds from a personal checking account payroll. 7. Impossibility of dispute of deposit operations, in checking account in Bank of America, the Bank of America system and processes do not allow it. 8. Bank of America Fraud Department ( Customer Service Telephone Service ) acknowledges that the ATM deposit is Fraud and the Adjust and Debt Department refuses to refund the funds. 8. Insecure Bank of America System for Electronic Banking Operations plus Personnel not adequately trained to avoid Fraud or identification of the final recipient of funds.

The fact. 
On XXXX XXXX I made a mobile deposit through Bank of America Mobile Banking , payroll check # XXXX, amount {$1000.00} issued by XXXX  XXXX and XXXX XXXX Bank . and cleared by Bank of America XXXX XXXX. Paid to XXXX - XXXX. XXXX - XXXX. 
On XX/XX/XXXX a reverse charge was shown on my checking account, dated XX/XX/XXXX in the amount of {$1000.00}. That same day, contact the Customer Service Mobile bank of Bank of America. Responding that it was a mistake, and they were going to correct it. 
On XX/XX/XXXX Bank of America Customer Service Mobile Bank let me know that someone physically deposited the check through an ATM. I let the operator know that she wanted to make a claim, and her response from her is that it couldn't be done. 
Multiple calls made between Bank of America customer Service between the dates XX/XX/XXXX and XX/XX/XXXX, The Bank of America Telephone Service Fraud Department recognized the ATM fraud and transferred the call to the Adjust Department to Debt, The Department of Adjustment and Debt refused to make the adjustment. In a subsequent call, he will notify me of the internal reference number of the case. 
On XX/XX/XXXX faxed to the Claim and Resolution Department with a copy to XXXX XXXX XXXX XXXX XXXX XXXX President Retail Bank of Bank of America . Requesting the Funds taken from my personal checking account. I attached the police report of loss/stolen of check # XXXX XXXX XXXX XXXX from XXXX XXXX XXXX 
On XX/XX/XXXX XXXX XXXX Treasury management Client Service, issues a clarification report, where Bank of America lets you know that the final recipient is XXXX XXXX XXXX XXXX XXXX XXXX, Bank of America was requested to clarify the final recipient of the funds that is different from what was written on the payroll check, Bank of America refused . 
From XX/XX/XXXX to today XX/XX/XXXX I have tried to get Bank of America to accept the claim and generate a ticket number, and Bank of America has refused. The Bank of America Fraud Department acknowledges that there was fraud against my checking account, and the Debt and Adjustment Department refuses to adjust and return the funds taken from my personal checking account. 
XXXX  annexes : 1. Reverse operation ( taking funds ) by BOFA 2. XXXX XXXX clarification report and final recipient of funds incorrectly reported by BOFA. 
3. Police Report #.

4. Fax sent to the BOFA Claim Department.

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