Consumer complaint received 2015-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My XXXX attempt to get my XXXX funds back from Bank of America. I was 21 days late in catching their error. They know it is fraud, but deny me a refund. This started when a BoA teller cashed my check that i did not give to anyone, I did not write it out, and I most certainly did not sign it. 


XX/XX/XXXX XXXX XXXX Bank of America XXXX XXXX XXXX XXXX XXXX, NC XXXX Ref : Claim XXXX Dear XXXX XXXX, My name is XXXX, and I am a XXXX year old single female that has been a Bank of America customer for over 37 years. My ex-husband and I started banking with what was then called XXXX and eventually became Bank of America. I have been a loyal customer since then. I am also what Bank of America refers to as a " Preferred Customer ''. 

My claim started XX/XX/XXXX, and I have had a difficult time coming to grips with the result of part of the outcome since. I am an honest hard working person, and I believe in doing the right thing, but I do n't feel the right think was done unto me. 

I will try to make this short as I can. I had XXXX equity checks stolen from me XX/XX/XXXX totaling {$6000.00} of which {$3000.00} was returned back to me from Bank of America. Bank of America ( XXXX XXXX V.P. ) has refused, on more than one occasion, to reimburse me for Check number XXXX for {$3000.00}. I emailed XXXX XXXX on XX/XX/XXXX sincerely asking for her to reconsider. I waited for a while, but she never responded to my email. Sometime after this, I think XXXX, I contacted an old co-worker that is currently employed with Bank of America, XXXX. XXXX told me that the bank has a program in place to help bank customers. So XXXX put me in contact with XXXX XXXX ( XXXX ext. XXXX ). 

XXXX contacted me, and I faxed her copes of my information. XXXX followed up with XXXX XXXX and the bank 's legal department, from what I understand, and again I was denied reimbursement. From XXXX, I was told that the bank ca n't catch everything, and I was 21 days late in catching " THE BANKS ERROR ''. The banks error began when the bank teller cashed these checks and did not even question them or compare the signature to the one that is on file from me. XXXX also told me that there was no need in me trying to get my money back again, because I had taken this as far up as I could. I hate to admit it, but I was not very nice to XXXX after hearing this. This is just wrong. I felt, and still do, that I was stolen from once again. I even called the Solicitor 's Office here in XXXX. When I told the Solicitor my story ; I was asked which bank it was. When I said Bank of America, the comment I received was, " I am not surprised ''. 

I was in one of Bank of America 's branches recently, and I was getting help from the bank 's VP. I was telling her about my situation and she suggested that I write you. She told me that you are a nice and understanding man. XXXX XXXX, I know the bank has its policies, but 21 days late in catching the banks error. These 21 days cost me {$3000.00} that XXXX XXXX knows was fraud, but she could care less because it is n't her loss. I am your average everyday person and {$3000.00} is a whole lot of money for me to just throw out the window. It is fraud, and it is wrong. I suppose this is why I am so persistent, because I believe in right and wrong. 

This is my last try, because you are as far as I can take this matter. 

XXXX XXXX, I sincerely ask that this be reconsidered because this just is n't right. 

Sincerely,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation