Consumer complaint received 2017-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
at XX/XX/XXXX, I deposited a check ( issued by bank of America ) # XXXX in the amount of {$5400.00} to my XXXX XXXX account, then at XX/XX/XXXX, I saw there is {$5400.00} taken out from my account that categorized as " miscellaneous journal entry '', so then at XX/XX/XXXX, I called the XXXX XXXX client service to find out what is that transaction about ( if i did n't notice an call, probably they do n't even bother to let me know what is going on ). the td rep told me that they received a message from bank of America that this check is a duplicated check and they returned the fund to bank of America as they requested. So then at XX/XX/XXXX I called bank of America to find out what is going on with the check. I descripted what the XXXX XXXX rep told me to the bank of America rep. and the the bank of America rep told me that she did n't see any duplicated transaction regarding this check and this check has been cashed only once by XXXX XXXX as what the endorsement showed at the back side of the check. And she also confirmed that bank of America did n't send request to XXXX XXXX for returning the fund and there 's no fund that were return by XXXX XXXX. The bank of America rep even helped me make a conference call to XXXX XXXX to try to solve the issue. after the bank of America rep told that XXXX XXXX rep that bank of America confirmed that this is not a duplicated check and bank of America did n't request XXXX XXXX to return the fund and the check had been cashed only once by XXXX XXXX, the XXXX XXXX rep told the bank of America rep that he ca n't confirmed the bank of America 's identity over the phone and he will need bank of America to send a formal letter. So one week later after I received the letter from bank of America, i sent it to XXXX XXXX right away. and then in the next two months, i called or sent messages for so many times to XXXX XXXX client service to find out what is the status. Sometimes they told me they are doing investigation, sometimes they told me they need to forward to special department, everytime i almost got a different answer but they never tell me where is the fund now and when i can get back my fund. Then at XX/XX/XXXX, XXXX XXXX sent me a formal letter stating that they received a message from bank of America that this is a duplicated check and they returned the fund back to bank of America as requested and told me i have to reach out to bank of America find out where is the fund. so then the next day ( XX/XX/XXXX ), i called bank of America again, but I got the same answer again, the check had been cashed once only by XXXX XXXX and they did n't send request to XXXX XXXX for fund back nor they did n't received any fund from XXXX XXXX regarding this check. the bank of America rep told me he ca n't help me further because there is nothing wrong with this check, the check only been cashed by XXXX XXXX and they already sent the money to XXXX XXXX and since nothing wrong they ca n't help me request the fund back. I tried to ask the bank of America rep to help me send a formal letter stating what he just told me but he refused to do so, he also not willing to help me call XXXX XXXX to find out where really is my fund located now. So now my situation is : the money already withdrew from my bank of America checking account and bank of America said they already sent the fund to XXXX XXXX where i deposited the check, and then I do n't have the fund in my XXXX XXXX account because XXXX XXXX said they already returned the fund back to bank of America as requested. I tried to ask XXXX XXXX to show me the proof of the message that bank of America told them that this is a duplicated check and requested the fund back but XXXX XXXX ignored me they also did n't want to tell me where or what account they return the money to bank of America. I do n't know what to do now, {$5400.00} disappear between the two banks and they kicking me like a ball back and forth ... so please help! thank you

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