Consumer complaint received 2017-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My wife and i were the victims of fraud, police report filed at XXXX police department XXXX XXXX XXXX, XXXX, Ma XXXX ; Bank of America immediately validated and passed the check and funds from an apparently fraudulent/ inactive account. Having had multiple issues with Bank of America in the past we had brought our account balance to {$11.00} and transfered the rest to pay a Bank of America Credit card and our account was closed and posted at {$0.00} ; bank of america credit card the proceeded to reject the funds on the basis the account was CLOSED and they had stolen the remaining balance of {$11.00} and have made no effort to rectify the issue, having been such a small ammount and having already concluded all business with this fraudulent banking compny did not pursue the funds as all contact with this compny had been ceased. The following month bank of america reversed a credit of over {$1800.00} on the afformentioned closed account, and began demmanding repayment of a fraudulent debt that was enabled only by Bank of America 's participation in the crime of fraud ; as if there was no funds then we did not have any, refer to the police investigation opened into this matter. As the victims of a crime and the signatories of the police complaint filed we reserve the right to hold Bank of america as a making a bilateral mistake in the enablement of a crime and must hold void any contactual obligation to continue any relationship with the enablers of this crime as bank of america also reserves this right but has offered 0 % fraud protection in this matter and is attempting to hold us entirely accountable. This being the case of a bilateral mistake in the commision of the crime of fraud and Bank of America 's failure to protect the consumer and itself as the financial arm of the binding contract and to investigate, cease, and disable fraudulent practices on their end can not hold us ; as true and lawful citizens of these United States protected from victimization of crime ; and bank of america 's efforts to place blame wholly on the citizenry in this contract and attempt to re victimize us hearby must hold bank of america as acting unlawfully and hold void any contractual obligation to continue doing business with a criminal enterprise not protected by XXXX XXXX in the commision of this attempt at re victimizing us the aggrieved parties. While we were willing to in some form work out some form a reasonable resolution to a bilateral mistake made in the duration of our relationship with Bank of America, the lack of fault and failure on Bank of America 's part to perform their lawful duties to prevent fraud we can not accept nor be held wholly accountable for this misscarriage of duties outlined in any lawful contract we signed. The addition theft of {$11.00} from our aforementioned closed account ; by Bank of America 's own volition ; and subsequent " re-opening '' of set account, as well as the " re-opening '' of our " e banking '' app which has been closed when the situation would reasonably stand to benifit Bank of America ; must hold this entire situation and Entity as Fraudulent, and demmand the cessation of false and fraudulent credit reporting, and reopening without our consent and now void signatures on this unlawful contract with Bank of America untill the resolution of the fraud investigation conducted by the police, or lawful resolution of the situation in a court of law. We can not and will not be held wholly accountable for a bilateral mistake, especially exacerbated by the fraudulent theft of funds from and account that was " closed '' untill the situation stood to benefit the interests of Bank of America. We are reporting this situation to the CFPB prior to pursuing legal action against this company in an effort to resolve the situation reasonably before having to continue pursuing legal action.

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