Consumer complaint received 2015-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I did a mobile deposit to mt account at bank of america. 
I deposited check XXXX from XXXX XXXX XXXX Bank for {$1800.00}. 
The check was made payable to XXXX XXXX. 
The check originator was XXXX XXXX. 
The money remained in my account for 64 days. 
On XXXX XXXX I received notice from bank of america that a debit adjustment duplicate item, reversing deposit made on XX/XX/XXXX in the amount of - $ XXXX immediately called bank of america XXXX After many weeks of phone calls and escalating to there XXXX number, I finally found out what happened. 
I place the mobile checks in my desk drawer at work, shredding them after the 14 day hold period. Someone removed the check from my desk drawer and deposited into there account on XX/XX/XXXX. 
Bank of america sent me a copy of the check and it was endorsed by an individual I do not know. 
A XXXX XXXX wrote, " pay to the order of XXXX XXXX " on the back of the check and than signed my name next to it. 
He deposited into his bank of america account. 
In talking with many people at bank of america, they say there is nothing they can do, I did not secure the check. The check was stolen from my desk drawer. 
I have talked with the issuing bank, XXXX in XXXX XXXX and this is what they told me : The funds were deposited to my account on XXXX XXXX per the original check. The funds were in my account for 64 days and than stolen from my account. The check never hit the originators account a XXXX time. XXXX says this is for my bank tsetse with the FDIC. XXXX did report the check stolen at her end, but her bank says the funds went to the intended account. 
Now it is XXXX XXXX and XXXX XXXX is feeling pretty good, he has the funds in his account for over a month and is good to go. 
I am out {$1800.00} based on a fraudulant deposit. 
I have attached a copy of the check in question. 
Bank of America needs to step up and help resolve this and stop quoting there mobile bank policy.I am out the money because I did not present the paper check and the mobile transaction got wiped out. There is a Correction of Errors to the mobile bank process that needs to be done here. 
How do I get my {$1800.00} back? 

From an article in digital transactions XX/XX/XXXX : Most banks have duplicate detections upfront on their XXXX products, '' says XXXX XXXX, executive vice president of the XXXX-based XXXX ( XXXX ), which establishes rules for check-image exchange. " Within the bank, if you try to put in the same check twice, your bank is probably going to stop it. " Banks that exchange check images under XXXX rules or Federal Reserve rules do make warranties to each other against duplicate payments, says XXXX. It 's important to note, she adds, that if a bank does pay on a duplicate transaction, those rules do n't govern which of the banks that sent the check image for payment must reimburse the paying bank. The rules also do n't favor the bank that has the paper check, she says. 

Does Bank of America not have this set up?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief