Consumer complaint received 2016-02-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

on XXXX XXXX at XXXX I visited the XXXX location of Bank of America to place a {$150.00} cash loan payment in my sister 's checking account. The parking lot had an armed guard dressed in " swat '' gear which was alarming. I tried to go through the drive through and found all of them closed with cars parked in their lanes. I was pressed for time as i work XXXX jobs and was trying to get this deposit done so it would post quickly and so i would not miss time off my job running this errand. I asked for a checking account deposit slip and filled it out. I asked the teller " why are all your drive throughs closed and what is the deal with the armed guard in your parking lot? " .. " Oh because we are so close to the interstate we have additional security ... I found that odd as my own personal bank XXXX, is just down the same road and has no demonstrable need for such additional security features. I told her my sister was in the XXXX on vacation and would be checking to see when my payment to her would post. She asked to see my ID, even though i was wearing a photo ID from the medical laboratory for whom i work part time in the afternoons. I showed her my driver license in my wallet. She asked me to take it out so it could be " snap-photo 'd '' from an overhead camera. I found this very disturbing and " invasive '' of my and my sisters privacy. I asked her why she needed the personal information ... she started to mumble about security ... but having read about operation " choke-point ''. I was familiar with the dept of justice program where banks are being intimidated into not letting customers use cash for their businesses. This was not a business, was not a transaction over {$10000.00} and providing that level of personal information for accepting a {$150.00} deposit i found ridiculous and very poor service to the consumer. I told the young lady who had both the deposit slip and the XXXX {$50.00} bills that i would not be providing any additional photo id or information and turned to leave. She remained in possession of my sister 's {$150.00} cash deposit, provided me no receipt, tried to give me the money back and called the security guard as i exited the door. I got into my car locked the door and left the bank. I verified with my sister that as of close of business on friday XXXX XXXX the funds had not been deposited into the account number given to the teller. My sister made several attempts to contact the bank via phone and via " private numbers '' given to her by Bank of America without success. No one returned her multiple calls. Once cash money is given to a banking institution a receipt must be provided to the depositor. Funds received by a banking institution should be deposited into the appropriate account number given ( they should not be held out for teller issues or resolution ). Disclosure was not given to me at the time that i could have deposited at an ATM device and would not have had to produce ID to do so. I do not possess a smartfone and therefore have no means to do photo bank deposits. My concern was getting this loan payment to my sister so that she in turn would be able to make her payment on time and not face late charges. This whole situation was very intimidating, disturbing and frightening, not to mention our concern now with the lack of our funds being deposited or credited to my sisters ' designated account. Monday is a holiday. we need action on this.