Consumer complaint received 2023-10-12
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:
I am a client of Bank of America. Bank of America was the first bank that I opened my first accounts in, because I knew that this bank is the most safe and reliable one. So, I opened a Debit and Credit account with them. It was all going great until XX/XX/2023 when I was checking my accounts on my app and I realized that my Checking Account had disappeared completely. I decided to check my Debit Card and it stopped working as well. I was surprised and shocked. 

I will tell you the story that happened to me, which was not my fault whatsoever. On XX/XX/2023 I received an online job offer from a fake employer ( which I realized after I GOT SCAMMED ) from XXXX XXXX. The guy e-mailed me an Employment and AgreemenXXXX Letters which I signed and e-mailed back to him. Then the scammer mailed me a deposit check with {$4700.00} written on it from XXXX XXXX and told me to deposit this check to my account to purchase the necessary equipment and software for my future remote XXXX XXXX XXXX job. I deposited this check to my Bank of America checking account on XX/XX/2023 at XXXX at XXXX XXXX XXXX ATM machine. You can find the photo of the deposit receipt from the ATM machine in the attachment. After I deposited the check into my account I saw that the amount ( {$4700.00} ) was placed on hold for some reason. I thought maybe it would take a few days until the funds become available for me to further go and purchase the equipment and software for my future job. And this scammer actually texted me that it would take a few days until the funds get processed and become available for me. On XX/XX/2023 this scammer texted me that I have to send him $ XXXX for purchasing the software needed for my future remote XXXX XXXX XXXX job. This is when it got suspicious to me and I realized that this person is a FAKE EMPLOYER and that this person is a SCAMMER. I did not send him any money and the amount ( {$4700.00} ) was still on hold on my Bank of America Checking Account. This is when I realized that I BECAME VICTIM OF A SCAM! I had no idea that it would turn out to be like this. After Bank of America shut down my Checking Account WITHOUT even informing me about it or investigating the situation I called the Customer Service Department and explained the whole situation and that I BECAME VICTIM OF A SCAM. The lady told me that my account got shut down because I deposited a counterfeit check. She also told me that my name would be put on XXXX because of this situation. WHY SHOULD BANK OF AMERICA DO THIS TO ME WHEN I BECAME VICTIM OF A SCAM BY SOME FRAUDSTER?! I was absolutely stunned and shocked when Bank of America shut down my Checking Account ( XXXX ) without informing me about it, ( XXXX ) without an investigation and ( XXXX ) in a situation where I WAS THE VICTIM OF A SCAM. THIS SITUATION IS ABSOLUTELY UNFAIR AND UNACCEPTABLE!!! I WILL NO WAY LET MY NAME BE PUT ON SOME XXXX, JUST BECAUSE I BECAME A VICTIM OF A SCAM!!! I have every proof that I BECAME A VICTIM OF A SCAM and you can find all the material in the attachment. 

Thank you for your attention!

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