Consumer complaint received 2020-01-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

This complaint, against Bank of America, is part of a money laundering ring that includes numerous banks and is the subject of five other CFPB complaints. ( For your reference, those claim numbers are XXXX, XXXX, XXXX, XXXX, XXXX. ) Were unsure which Bank of America location to lodge a complaint with because, as youll see from the evidence provided, the actual banks involved have been obscured. This is most likely a tactic to deliberately confuse consumers and regulators. 

The money laundering scheme took place over many decades and involved operators at multiple banks using check endorsements to transfer money to numerous different accounts either to conceal the location of the money with bogus account numbers or to monetize the checks with each stamp allowing for double, triple or quadruple the value of the checks written amount. 

This complaint/evidence provides 13 checks that demonstrate how Bank of America routing numbers are used to move/hide dirty money. The checks are made out to a variety of businesses but demonstrate many similarities : They all are transferred/stamped at many different banks ( a hallmark of this money laundering scheme ) Some of the same routing/account numbers are used in the transfer path even when the checks are made out to different recipients ( As if XXXX and XXXX XXXX actually share a bank account? ) Many of the stamps print a bank location combined with a routing number for a completely different location The checks all end at routing number XXXX, which is the most common end point for hundreds of laundered checks over the years, regardless of who the checks are made out to, what bank theyre drawn on, or where the first deposit is made. 

Ive run into significant difficulty trying to track the money path as an ordinary citizen without investigative authority. Some of the routing number searches Ive used provide different results for the same routing number, so Im hoping you can determine map the money trail more accurately. 

Some examples of the convoluted use of Bank of America accounts/stamps include : Check # XXXX : Stamp claims Bank of America XXXX, but the routing number with it ( XXXX ) is either for 46 Bank of America locations in Missouri OR XXXX, VA, depending on which free routing search you use. Bank of Americas own website says the XXXX area routing number is XXXX. 
This check also shows a Bank of America XXXX stamp yet the routing number with it ( XXXX ) is also in XXXX, VA according to XXXX and XXXX. ( However, according to XXXX it is indeed Bank of America XXXX. 

Check # XXXX : Stamp claims Bank of America XXXX, yet the stamped routing number ( XXXX ) is yet another routing number for XXXX, VA according to XXXX. 
( The search sites Ive been using are XXXX, XXXX, XXXX and bankofamerica.com. ) Please study the transfer path of the backs of these checks and notice how many discrepancies and inconsistencies appear. This is a deliberate attempt to deceive bank authorities and regulatory agencies. See if you can actually figure out where the money went, if it was monetized more than once and if any of these transactions were actually legal and legitimate. Additionally, who actually owns these accounts? My checks were made out to different individuals and businesses yet, according to the stamps, they share some of the same accounts. 

As a result of this money laundering and/or embezzlement scheme, I lost my business and all my property, was taken to bankruptcy court twice and have had many legal battles. It may seem like these 13 checks are insignificant but they play a role in what was an enormous organized crime ring that may still be in operation. I sincerely hope you give this complaint thorough investigation to help get to the bottom of the conspiracy.