Consumer complaint received 2022-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I work for the XXXX of California as an XXXX XXXX. I received XXXX payroll checks written out to XXXX XXXX XXXX and tried to deposit XXXX of them at Bank of America in XXXX on XXXX XXXX on XX/XX/XXXX. 

The name on my BoFA account is XXXX XXXX. XXXX check was in the amount of {$450.00} and I deposited those funds at the XXXX, CA branch because their system would not accept the mobile or ATM deposit. The day I deposited the funds the teller was reassured by the other teller that because my initials matched the name on my account it would be fine. A few days later the check was returned to me even though the initials match the name on my account. 

On Monday, XX/XX/XXXX, I called BOFA to understand what happened and 2 different agents told me 2 different things. One agent told me that I could just go down to the local branch and add a nickname on the account. I was later informed by an agent who worked at the XXXX, VA branch where I was traveling for work that that was incorrect. Another agent in South Carolina told me that I could go and cash the check because I had enough money in my other account. When I went into the XXXX branch this afternoon ( XX/XX/22 at XXXX XXXX ), I was told that wasn't an option and there was nothing they could do with the checks. 

There are a number of unresolved issues related to the check deposit. They are as follows : 1 ) I was provided with incorrect information multiple times both at XXXX and thru the National lines. 
2 ) I cant cash the other check that I have from the state of California even though the California state controller verified that both warrant numbers that I list in this email are legit. XXXX XXXX XXXX who is my employer and issued the checks along with the CA XXXX XXXX have reassured me that this shouldnt be an issue bc a ) as the funds are issued by warrant directly from the state itself and b ) no one has ever had a problem at the university or who works for the state has ever had this issue. For reference, the warrant # associated with this check is XXXX in the amount of XXXX. 
3 ) The original check that I was issued is now lost in Bank Of America 's system. It could take up to 2 weeks before I receive it and even when I do, I'll be in the same predicament as described in item # 2 above and won't be able to cash the check. For reference, the warrant # associated with this check is XXXX in the amount of XXXX. 

In short, there has been no resolution. I have one check that is in hand that can't be deposited and another that is floating around in BOFA 's system that will hopefully be returned to me in a timely fashion that I still won't be able to cash. So, currently, I am the only state employee in the history of both XXXX XXXX and the state of California who can not cash or deposit their State of California payroll issued check at Bank of America.

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