Consumer complaint received 2022-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX XXXX I attempted to use my debit card and was unable to use it. After contacting the bank I was told That my account was being closed for reasons that were not able to be disclosed to me. However I was told that I could go into a branch and get the remaining money from my account. This turned out to be incorrect And I was told XXXX branch that my account was locked and unable to be accessed. My XXXX phone callResulted in finding out that my account was indeed locked however the only way to be competitive for my remaining balance was to wait for a cashier 's they told me thatMy account was scheduled to be fully closed the next day XX/XX/XXXX. However on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  So I was unable to access my account or do any kind of follow up questions about what was happening with my account and my reimbursement. Upon being released I immediately contacted the bank to find out where my money was at and was told that my account had been closed and that there was no information about anything because it was locked and I needed to go into a branch and Supply 2 forms of ID in order to get it unlocked. I had my account linked to my XXXX  account. Which monitored activity on my checking account Because of this I was able to see that on XX/XX/XXXX And again on XX/XX/XXXX there was transactions of {$5000.00} a piece where it says payment to XXXX XXXX. Then on XXXX firit alerted me that information on my profile for That checking account had been changed. And then the following day someone had unlinked my account from that monitoring serviceIt also showed me how several addresses had been added to my social security number and cell phone numbers that did not belong to me what is a indication of identity theft.I also was able to see how several credit cards and loan applications had been done using my social security number.After several inquiries with Bank of America I was sent copies of XXXX checks that were sent to me one of them was for the balance that was left in my checking account and the other was for the secured credit card that I had with Bank of America. The first check for my checking account balance was for {$3300.00} and dated XX/XX/XXXX someone had forged my signature and put pay to the order of XXXX XXXX. This amount is significantly less than what should have been in my account furthermore this person is unknown to myself and had no authority to Sign this over to themselves. 2nd check was for {$1500.00} and XX/XX/XXXX. It like the first check had my signature forged and had the same name on it. However though these checks and the forgery committed with them is a serious issue, the bigger more important issue is the fact the on XX/XX/XXXX when this check was issued my checking account balance was only {$3300.00} when it should have been 7 or 8 times that. Whatever transactions that occurred between XX/XX/XXXX and XX/XX/XXXX are baffling and fraudulent. How is it that someone Was able to access a account that I couldn't even access and Had been led to believe was closed. It makes no sense how someone was able to do this. I gave no one authorization or consent to use my account. Nor to cash those checks. 


I would like for Bank of America to look into the transactions that happened between XX/XX/XXXX and XX/XX/XXXX of XXXX. And find out how someone was able to access an account that was Supposed to be closed. And to then do for me what they would do for any other account holder if there account was hacked and money was taken out of it without the account holders consent or authorization. And to re issue me the 2 checks that were clearly cashed by someone else without my consent. It is easy enough for me to prove that I was in no way shape or form responsible for anything that was done with my account or these checks during this time.

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