Consumer complaint received 2020-09-02
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:
2 weeks after I was laid off from a disgruntled employer on XX/XX/20, she called Bank of America & made a false fraud claim stating all reimbursement, tip & side job checks were stolen which then froze my account on XX/XX/20. 
After multiple calls lasting 2+ hours I finally got someone on the phone that informed me the situation & gave me a claim # & fax # to send my supporting documents which I did, however without any due diligence the claim was closed in the others favor when I called to inquire again on the phone for 2+ hours was told by even the fraud department supervisor that something was off because it was closed without anybody even going through the 150+ page fax so I was told I should open a new claim which I did, then once again I had faxed in supporting documents this time 175+ pages once again claim closed without anybody going through & even looking at fax sent for the second time so I contact the FDIC which forwarded my claim to this branch. 
I was informed my accounts were closed XX/XX/20 by not only tellers & bankers at the branch but over the phone as well. 
On XX/XX/20 a previous claim closed in my favor totaling {$410.00} & change was deposited into my " closed '' accounts along with my tax return of {$2700.00} that the bank excepted after my account was supposedly closed When I went in the branch to inquire nobody could give me an answer except they have 11 days after account close to accept deposits but the time frame was past Once the bank was contacted in regards to my claim a lady by the name of XXXX XXXX to confirm I made the claim & she instructed me to file yet another claim which i did on XX/XX/20 & spoke with a lady that was just as baffled as I was & notated my file a bunch then once again got the run around then when I called in last week XX/XX/20 I was fortunate to get the same lady I had spoke with in the beginning of the month whom informed me my account was closed without anybody even looking at any fax or notations pertaining to the claim that was fraudulently made out of retaliation. 
In the fine print from bank of America it states anybody that has any problems or questions regarding your account/ bank statements you have 30 days & in some cases 60 days yet bank of America went back 4 months Regardless the fact they initiated a claim past the  allotted stated time frame nobody did any kind of due diligence and compared other employees checks with the ones in question even to payroll but never happened. 
So in the last 4 months my accounts were wrongly frozen over {$10000.00} taken out & awarded to the disgruntled employer nobody actually doing their job & investigating Then my account was i guess oxidant closed as of XX/XX/20 & was told no matter how many claims I open they weren't going to reopen/ relinquish about it because they already made a decision ( without even looking at evidence in the first place ) I want my money back that the bank stole from me

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