Consumer complaint received 2017-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Las week, on Friday morning, I logged into my bank account ( BofA 's ) and I see that they have moved the money that I was saving for my college tuition to my checking account from my savings account without my consent or any notification. They credited the whole amount, so I lost all of the amount transferred. At the time I was in class so I waited to get out of class, so I did. When I called, they notified me ( about 40 min later because no one knew what was going on with my account ) that they were going to close my account and that they did n't needed to provide a reason for it but that I should go the next day to get my money. When I go the next day, the person tells me that my funds have been frozen and that I ca n't take any of my money out. I talked to about 10 people since Friday and no one told me what was going on until the day before yesterday when they told me that it was because of a check that I deposited. I talked to the bank manager in XXXX XXXX in XXXX XXXX, CA and he tried to help but he said that most likely I would lose my money, the amount that was for my college tuition. At that point, I was very upset and I started crying because that was all the money that I have been saving from my job. Today I went to another bank of america to retrieve the funds that I had left, and the manager was very kind and helped me to find out what was going on. He asked me what happened and then I explained the following issue with the check that bank of america considered Fraud : I applied to several internships on XX/XX/XXXX and XX/XX/XXXX. I got a response from XXXX and the person who contacted me was from Human Resources and his name was XXXX XXXX. He did an online interview through XXXX. After being told that I was hired based on my qualifications, I would start once I received the materials that they were going to pay for. I received XXXX checks, the first XXXX did n't work when I submitted it through online banking, so I called Bank of America ( my bank ) to tell them what was happening. They told me that they should send the check physically in case it did n't work. So the third check that they sent on that same they, it did worked. After that, they told me to send the money to their trusted vendor so I could get the materials. I have the bank account where I sent the first amount. Then, they said this : " [ XX/XX/XXXX at XXXX UTC-8 ] XXXX XXXX : I was informed by management that the funds was not enough for all the materials as you were sent part of the payment initailly due to the company been unaware of your deposit limit, the vendor said that you will be needing a XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX for XXXX, Scanner, printer and Fax, So I contacted the accountant to issue out a new check to you to cover all cost of the materials needed. 
" So they sent me the check for {$5800.00}. I then deposited that amount in my checking account and it debited ( + ). Then, I had a feeling that this was not right ( after I deposited the check ) so I went to talk to my professor. He told me to call the XXXX XXXX building for XXXX to this number XXXX. When I called, on Monday, about 3 days after the check was deposited, I talked to the person and told them that I was being offered an internship by the name XXXX XXXX. The lady told me that no one by that name worked there. At the point I told " XXXX '' that I called the company and I asked for him and he never existed, so I told him that I did n't wanted the internship anymore and that I would return his money. I also told him that I would not retrieve the money in cash ( like I did with the first check ), but that I would do a wire transfer, so I did it through my Bank of America using XXXX. I sent him the confirmation number of the transfer and that was it, I never spoke to him again.

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