Consumer complaint received 2020-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am a victim of a bad check. I had my bank account with BANK OF AMERICA for a good while. I would rarely go into the bank and make deposits/withdrawals. The companies I normally worked for during my time of banking with them I always use the mobile app to deposits my check and I would like you to know not once have I committed any type of fraud. The only thing I am guilty of was not being able to manage my funds properly and I had alot going on. This is literally affecting me from progessing with certain things like having my XXXX XXXX  account, my secured credit card since I literally come back flagged by XXXX XXXX XXXX XXXX   since the BOA decided to notify them of checking account fraud which based on my consumer report the incident happened XX/XX/2017. I had contacted the BOA explaining what happened and they had a sent me a letter back then basically saying after further investigation they have decided to not remove the flag and keep the account closed. I JUST NEED HELP TO REMOVE THIS NEGATIVE FLAG THEY CAUSED. 
I got my check from the XXXX XXXX I was working for at the time and working part time they always give you a hard check and now and then they may use different companies to print the checks. I noticed they had not paid me a check and each time i went back they said nothing is there, i am not on the list, it shows I already got it. I got so frustrated. I was leaving the company and I am not sure if it messed up the organization of the checks. I honestly had given up. I would like to fast forward to some months later i received an envelope from them and to my surprise it was the check that no one seemed to be able to find or claim they did not have. If I am being honest with myself and I know I am not the only one that does this when I get my checks I skim through it to make sure that my info is spelt correctly and so on and I take a picture to mobile deposit. In my mind not once did I think that this company will be so illiterate and ignorant to send me the same check from when that they had me asking for instead of actually printing me a new one that is current. I woke up the next day to my account locked and I started to worry. I called and found out its due to suspicious activity and the account was pretty much closed. It was only then I double backed on this check and saw theey just dug up the same old check which would be then expired and send it to me hence it came up in my account as fraud. I called and they could not do anything they said as if it was not there fault. I contacted the then company at the time they had used to print the checks and the lady was so sympathetic and even told us if the company called and explained they would have issued a new check. The lady was kind enough and I gave her the check information and she brought it up in the system and was able to print a new one for me so I can pick it up. Unfortunately this was 4 years ago and I may not have the letter or a copy of the bad check the company sent or the good check that was printed for me on behalf of the other company that printed the checks for the XXXX XXXX. The sad thing is I know I am not the only one who suffered from this unfortunate accident and that is what it is but I know banks act accordingly in doing their safe and I am just a replaceable number but if they make a mistake its all hush hush or you just have to settle with it.

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