Consumer complaint received 2023-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to cash a 3rd party check which is my son 's check he is XXXX yrs old but not available to go with me in the branch. my son signed the back of the check and wrote pay to the order of my name he endorsed it to me to deposit it in my account and cash it. 
I have his California ID card and my ID. spoke with customer service with BOA one of their manager by the name of XXXX told me yes, we can deposit and cash 3rd party checks as long as it is signed by your son and pay to you. you can go to one of our branches they should deposit or cash it for you. but, when I went there XXXX XXXX financial center manager and assistant vice president of BOA on XXXX XXXX XXXX XXXX, XXXX CA, XXXX ( XXXX ) XXXX XXXX told me No we don't deposit or cash 3rd party checks at all BOA don't cash or deposit 3rd party checks even if it i signed or have His ID. 
I told him XXXX customer service manager from XXXX said you can XXXX said NO we don't and he was very rude the way he was talking I was sitting with my other son and he was standing in the office talking to me he just wanted us to leave and I asked I would like to wait here and call the customer service to confirm which one is correct. Then XXXX came in the office standing both in front of us talking no we cant. 
instead of trying to find out who we talked to if they can get hold of them or check online both said we already know. which is unfair practice not sure who was telling me the right info. was waste of my money went by taxi came back by taxi and got headache and XXXX 
XXXX said we don't know who XXXX is from the customer service and there is no way for us to check who you talked to. so this is our policy. we left when I came home called their customer service again XXXX talked to XXXX from Florida and she also reviewed said they were supposed to help you in the branch because it says on the guideline but when she called the branch talked to someone in XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX said no we cant accept 3rd party checks. XXXX also changed her words after talked to branch on XXXX XXXX. I told XXXX your guidelines has other info and you said they should of help you but now you changed your word after you talk to branch. someone has to review this complaint because I went thru headache and they should be responsible for the money I paid for taxi and my time and headaches. 
she created the case # XXXX Please get back to me regarding this matter. 
I called other banks they have no problem to deposit or cash. 
I will go to another bank but, I took pictures of the checks to clear this with BOA they should pay for my time, taxi fees and the headaches and XXXX and the way XXXX talked to me standing talking fast and rude. 
he was suppose to set and talk answer our questions that is why he asked us to go to one of their offices which was unprofessional. 

Thank you, 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