Consumer complaint received 2024-05-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

To whom it may concern, I have already reported the issue to the FDIC and the Federal Reserve System, and I am now completing my rounds of reporting against Bank of America. I recall sending the attached document to XXXX XXXX and possibly XXXX XXXX before realizing that my business account was being compromised. Although I reported the issue to the bank and spoke with their fraud department, they informed me that they did not detect any fraudulent activity on my account. 
On XX/XX/year>, I sent a settlement demand letter via email to XXXX XXXX, a Business Solutions Advisor at the Bank of America branch located on XXXX XXXX in XXXX. His phone number is XXXX. I addressed the email to XXXX XXXX after my initial attempt to send it to the general Bank of America email address failed. In the email, I detailed the issues concerning my current business checking account, XXXX XXXX XXXX, and the previous fraud incident involving XXXX under Bank of America. Additionally, I provided the police complaint number XXXX and requested a settlement and response from Bank of America within two weeks. Please see below. 
Unfortunately, I was unable to visit the post office to check my mail on XX/XX/year>. On XX/XX/year>, at XXXX AM, I received an email from XXXX XXXX informing me that a new banking partner was ready to assist me and that he would be my dedicated XXXX  business specialist. This made me suspect that someone might have been monitoring my mail. When I checked my mailbox on Wednesday, I found no response from Bank of America. Subsequently, I received another email from XXXX XXXX on XX/XX/year>, encouraging me to apply for a XXXX XXXX loan. On XX/XX/year>, I received an email from Bank of America about scammers, followed by another email on XX/XX/year>, requesting feedback. 
XXXX XXXX XXXX is an emerging political organization engaged in various governmental practices that I am learning from the Department of Justice and other entities. Despite the challenges, I am determined not to shut down XXXX XXXX XXXX, and it will continue as a private operation. I am unclear about the full extent of the financial fraud and crimes committed against me, but the banking breach and violations involving my accounts at Bank of America and XXXX require a thorough investigation. Information about the initial scam is available in the police report. Additionally, I included contact details for XXXX XXXX, who may still be working at the Bank of America branch on XXXX XXXX in XXXX, and for XXXX XXXX of XXXX, whose number is XXXX. Notably, a Supreme Court judge dismissed the case without explanation, seemingly influenced by someone possibly from Bank of America, reflecting a bias against me as a person of limited means. The Bank of America Financial Center in question is located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
XX/XX/year> Dear Bank of America, I am XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, writing to you from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. I am reaching out to present a settlement demand of XXXX XXXX dollars to Bank of America and XXXX. This action follows the advice of the XXXX in response to a harassment complaint I filed, under the complaint number XXXX, against both your institution and XXXX XXXX I earnestly seek to resolve this matter out of court. However, should we fail to reach an agreement, I am prepared to initiate a lawsuit and pursue further complaints through the appropriate channels, allowing the XXXX to conduct a comprehensive investigation into the financial crimes targeting me, facilitated by your collaboration with XXXX. 
The genesis of my grievance lies in the fraudulent activities associated with my previous and current business accounts, activities to which I have never granted XXXX access. This unauthorized access has prevented me from conducting financial transactions and severely hindered my attempts to foster a business relationship with Bank of America. Each attempt to engage with your bank has resulted in negative outcomes, significantly impeding the growth of my business, XXXX XXXX XXXX, and exposing me to substantial financial vulnerabilities. The unwarranted dismissal of my previous account 's value and the subsequent inconveniences have not only affected my financial accrual for XXXX XXXX XXXX and XXXX but have also compelled me to shut down companies to mitigate damages and deter further criminal activity. 
I am inclined toward an amicable out-of-court resolution and propose engaging a mediator of my choosing or a representative from the XXXX to facilitate this process. Please contact me at XXXX to discuss this matter further. Should you agree to the settlement, I request a check made payable to my name, sent to the above address. Absent a response by XX/XX/year>, I will have no choice but to proceed with legal action against Bank of America and XXXX, seeking full redress and compensation as permitted by law, including additional damages, legal fees, court costs, and accrued interest. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX