Consumer complaint received 2022-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I was at a Bank of America atm located on XXXX XXXX in XXXX XXXX XXXX XXXX. I made a deposit the sum of {$46000.00} at a atm on the side of the back Atm took my money and while it was doing the count of all XXXX XXXX  bill Atm when on a shut down and left me stand their with no deposit slip And it never credited my account Atm took all my money I never left the atm I call in to Bank of America And told them about the problem with the atm They never reply back I try call in for a claim of sum {$46000.00} And never got anything money back To this day it been over 5 year in terms And not a dollar been pay back to me My live as never been the same after that I was financially ruined They did not care about my situation every time I call in they give me the runaround I tried to get access to my account and the And the bank card number to file a claim Denied of access I was left With no money Also note that they Credit my account back for two day after that they took all my money back and left me with XXXX dollars in my account dont put your hard earned money in bank of XXXX it can happen to you put your money some where else XXXX XXXX XXXX XXXX XXXX XXXX XXXX and sent me this message received from : Consumer Financial Protection Bureau on : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX : Ive carefully reviewed your correspondence and want to let you know our response. 
Our records show : You previously maintained a Regular Savings ending in XXXX. 
On XX/XX/XXXX, you contacted Bank of America to file a claim against an ATM cash deposit that was deposited to your account ending in XXXX. You stated you deposited {$46000.00} into the ATM on XX/XX/XXXX, but it did not post to your account. In response, the claim number XXXX was initiated to investigate the matter further. 
We completed our review of the claim number XXXX on XX/XX/XXXX and the claim was denied as we were unable to find any ATM activity for the disputed transaction. Correspondence was sent to inform you of the outcome of your claim. 
On XX/XX/XXXX, you contacted Bank of America to file a claim against an ATM cash deposit that was deposited to your account ending in XXXX. You stated you deposited {$46000.00} into the ATM on XX/XX/XXXX, but it did not post to your account. In response, the claim number XXXX was initiated to investigate the matter further. 
We completed our review of the claim number XXXX on XX/XX/XXXX and the claim was denied as we were unable to find any ATM activity for the disputed transaction. Correspondence was sent to inform you of the outcome of your claim. 
On XX/XX/XXXX, you contacted Bank of America to file a claim against an ATM cash deposit that was deposited to your account ending in XXXX. You stated you deposited {$46000.00} into the ATM on XX/XX/XXXX, but it did not post to your account. In response, the claim number XXXX was initiated to investigate the matter further. 
We completed our review of the claim number XXXX on XX/XX/XXXX and the claim was denied as we were unable to find any ATM activity for the disputed transaction. Correspondence was sent to inform you of the outcome of your claim. 
After we send a statement and any accompanying items or otherwise make them available, you have sixty days to review your statement or items and report any problem. We were unable to find any claims filed on this transaction prior to the claims mentioned above, therefore this transaction was not reported within the required 60 days. 
Reviewing your statements, checks, and other items, is one of the best ways to prevent the wrongful use of your account and detect possible errors. Please review the section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Disclosures publication ( the Agreement ) for additional information. The Agreement is available to all clients on our website at bankofamerica.com/deposits/resources/deposit-agreements.go. 
Weve also included the following documents, which you may find helpful : Claim Correspondence Heres our response Based on our review, we have determined that no bank error occurred in the handling of your claims. We have not uncovered any evidence to overturn our prior decision, the bank continues to decline your request for reimbursement.

Were here to help We understand this may not be the result you were hoping for, but I hope its clear how we reached this decision. Our clients are important to us and we appreciate the opportunity to address your concerns. If theres anything else you need,

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