Consumer complaint received 2016-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was victim of fraud due to some fraud activity which has happened through ( XXXX ) online, due to the mistake of Bank ( Bank of America ) my report has been generated in XXXX and my checking account has been closed. 

I am explaining the background of the issue along with all supporting documents and let me if you require additional details. 

Back ground of Issue : On XXXX/XXXX/2016, I have received a letter along with check of {$1700.00} from XXXX to do some customer survey on XXXX XXXX and XXXX XXXX money transfer services. 
On the same day I deposited the same check into my Checking account from Bank of America ( Account # : XXXX XXXX ) and it will clearly showing that check has been deposited on XX/XX/XXXX. The next day bank has put this particular check on hold and its clearly mentioned it will get approved on XXXX/XXXX/2016 i.e. 10 days. 

On XX/XX/XXXX bank has approved this transaction and funds were available {$1700.00} in my account, so on the same day I withdrew money of {$1500.00} and did the customer survey as they have mentioned in the letter. 

I also attached the copies of receipts for the money transfer I have done through XXXX and XXXX XXXX on XX/XX/XXXX. 

After 45 days I received a letter from Bank of America, stating that this particular check which has mentioned above was not paid and returned back and asking me to pay the money of {$1700.00}. Then i visited the local Bank of America branch with the letter and explained my situation and they accepted their mistake since they have approved check after 10 days of hold, however they told they cant do anything except charging the money to customer. 

After 2 months they submitted the report to all agencies like XXXX and XXXX which results to closing my checking account and denying to opening new account with any other banks. 

Last month I requested report from XXXX and XXXX, now i am requesting with all the above explanation to remove my report and allow me to open a bank account. 
It is totally because of banks fault, they have made funds available after the 10 days hold on this particular check, so I thought it was a valid and check and withdrew money. If the bank was n't approve the money after 10 days of check verification, I would n't have transferred money to other parties. Other than that I did n't do any fraud or cheat in any aspects. 
Finally what I wanted to convey you is I am not a fraud and did n't commit any fraud activities, I was a victim of fraud that too due to banks mistake and some strange persons cheating. 
Please consider this, and remove report from XXXX and XXXX as i was suffering from fraud activity and being without bank account more than one and half month ( my salary also in pending since i dont have bank account ) that too i did n't do anything intentionally to cheat bank or any other financial institute. 
All the supporting documents will be provided, if required. 
Appreciate your support in this regard Thanks in Advance, XXXX XXXX ( XXXX )

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