Consumer complaint received 2015-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Bank of America fraudulently took {$1000.00} from my savings accounts. 
I 'm attaching a copy of my bank statements, as well as the letter received from Bank Of America ( BOA ) On XX/XX/2015 using BOA app we made an electronic deposit into our savings BOA account, with a XXXX check # XXXX from our XXXX account for the amount of {$1000.00} dollars ; we received electronic confirmation # XXXX of the deposit.. The transaction was posted until XX/XX/2015 in our saving account in Bank of America , same date that a withdrawal appears on our XXXX account. On XXXX XXXX Bank of America decide to cancel the transaction and take the money out from our account ( refer to attached letter ) arguing that the check was negotiated XXXX times at XXXX XXXX XXXX. 
XX/XX/2015-BOA Letter : The letter shows that Bank of America made a mistake using a wrong account number as you can see in the header of page XXXX where it says that the Account of the check is : XXXX, when actually the correct account number from XXXX is : XXXX ( the second last digit was entered wrong by bank of America, they used XXXX instead of XXXX ), each month we do the same transaction : a check from XXXX for {$1000.00} into BOA saving account.. The XXXX page header also shows the capture date of the check on XX/XX/XXXX matching the information and transactions done. The third page shows the check as captured from the app, and the fourth page shows the check showing the correct account number from XXXX and also the date that the check was posted : XX/XX/2015 that match with our BOA statement and XXXX statement, we have verified with XXXX XXXX XXXX , that the handwriting was done by XXXX since they verified the check and approved the transaction. 
XXXX Statement : Shows that the money was took out XXXX/XXXX/2015 that there were enough funds at the time the check was posted, same date as BOA statement is showing, and same date showed in the posted document sent by BOA. Due to the " posting error '' from BOA I have not destroyed the check and it is with me, meaning this check has not been used in any other transaction other than the electronic deposit made on XXXX/XXXX/2015 and posted on XXXX/XXXX/2015. 
BOA Statement Shows that the {$1000.00} was deposited in my savings account, and BOA mistakenly took the money back from my account on XXXX/XXXX/2015 as shown in the statement and in the letter sent to me accusing other people ( implying that was me ) of negotiating the same check two times, when in reality was probably done by Bank of America. 
We have been in phone conversation with both banks ; XXXX has been fully cooperative, and said that they have paid the money, on the other hand Bank of America has not make any work to solve the problem on give us a the money back. We went directly to a branch, we called customer service and back to the local branch and each time we asked for updates we have had to start from the very beginning explaining the situation over and over and receiving the same answer that they " will create a ticket and the back office will be in charge of talking with XXXX " and the system per default sent us the same letter that I attached. Even if it says that our case has been revised, the letter is a computer generated letter. 
What we know is that check # XXXX for a {$1000.00} was withdrawal from our XXXX account to be deposited into our BOA savings account. The check was deposited and posted into our BOA account and later it was taken without returning to XXXX ; and at this moment the {$1000.00} are missing and neither of the backs are taking responsibility but blaming us for a wrong transaction when in reality where them the ones that make the mistake and kept fraudulently our {$1000.00}.

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