Consumer complaint received 2016-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
To give you some background on our complaint, I opened a checking account for our then XXXX-year-old son in XXXX, which was attached to my account. 

On XXXX XXXX, XXXX, our son was a victim of fraud. Someone whom he does n't know was able to cash XXXX {$1400.00} checks totaling {$2800.00} which caused a negative balance on his account. Keep in mind, our son has never had a deposit in his account over {$200.00} at any one time. I found out about it on the evening of XXXX XXXX, XXXX, when I checked my balance and surprisingly saw a - {$2800.00} attached to his account. When I contacted customer service on XXXX XXXX, XXXX, I was told that he signed the XXXX checks and received the funds. Our son did n't know anything about any checks when I asked him. He did n't receive any proceeds from the checks. We also filed a police report on XXXX XXXX, XXXX. 

I spoke to numerous customer service reps in the fraud department in XXXX and no one would file a complaint. I asked if they checked his account prior to processing the check and why was n't a hold put on his account while the checks in that amount were investigated. I was told that the bank has no way of knowing if a large deposit will be made, so therefore, they processed the checks because his signature and ID were used to cash the checks. Our son was nowhere near wherever the checks were cashed. I asked for the footage at the ATM ( which is where I was told the checks were cashed ) be examined at the time of the withdrawal ... no response. I requested a copy of the checks. Once I received them, the XXXX checks had XXXX different signatures on them and neither XXXX is our son 's. 

About XXXX, I 'm thinking on the evening of XXXX XXXX, XXXX, I spoke to XXXX in the fraud department who again informed me there was nothing the bank would do. I told her I received the checks and the signatures were not our son 's. She was reading notes from previous conversations between me and the bank and our son and the bank. When I asked her for a copy of the notes, she told me they could n't be sent to me. When I asked her why, she stated due to privacy issues, they ca n't be sent. It 's my account ; what privacy issues are there if I 'm asking for the notes on my account? 

On XXXX XXXX, XXXX, I finally thought I reached someone sympathetic enough to at least file a complaint. The rep, XXXX, had me thinking she was filing the complaint and it would be investigated. Unfortunately, she did n't give me a complaint number and I did n't ask for one. I decided to give it a couple of weeks before I called back for the status only to find out there was no complaint filed. More walls went up. 

We finally got frustrated because we will soon be contacted by the Recovery Department to start paying on this balance. We decided to contact XXXX for assistance. We were advised to file a complaint with the XXXX, the Georgia Banking Commission and send a letter to Bank of America 's CEO. So, we are doing all of this simultaneously.

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