Consumer complaint received 03-07-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: On Monday XXXX XXXX, 2015 I received a Priority mail package sent through the US Postal System. Later that day I also received a text message informing me of the impending arrival of this package from a number I did not recognize. I have enclosed copies of these items as enclosures along with this letter. The package and the text message both referenced a secret shopper job. I did not remember applying for this particular job, and have never before applied for a secret shopper mission, so I was unaware of how this process works. The package contained a letter and XXXX USPS money orders, both in the amounts of {$910.00}. The day after I received it was the first day of the present academic quarter at my school and I am currently enrolled full-time. On my break between classes I had indented to consult with a representative inside of the XXXX XXXX branch of Bank of America . Coincidently, the bank was extremely busy, and since I needed to return for a class, I did not have time to make this deposit with a teller. Instead, I deposited XXXX of the XXXX money orders at the branch 's ATM. I held onto the second money order, and intended to take it to the branch the following day to review it with a teller. 
As I had personal expenses I needed to pay for that day, and assumed the money order would cover them. Returning home after class, I called Bank of America 's Customer Service line to inform them of this. Since I was unable to speak with a live representative, I set my alarm to call at XXXX XXXX the next day. According to my XXXX XXXX bill I called Bank of America at approximately XXXX AM on XXXX XXXX, 2015. The call lasted about 45 minutes and I spoke with XXXX representatives, XXXX from Bank of America and the other from a third party I was routed to by Bank of America who deal with money orders. During these phone calls I expressed concern about the deposit I had made informed the XXXX representatives that I the source of the money order was unknown to me, and that since it was a large amount I wanted the bank to be aware of this. As well, since the expenses I expected to pay with my account would have been taken from the recently deposited money order, I wanted to ensure that these would be covered. I value my Bank of America account, and wanted to ensure that what I 'd done was within reason. But I became increasingly worried about the validity of the deposit. Having reviewed my Bank of America Deposit Agreement, I understood it was my responsibility to inform the bank if I felt any suspicion about any deposits made into my account, so my call was intended to serve this purpose. 
After reviewing my rights under consumer finance laws and what to do after being a victim of fraud online, I decided to write this letter. As a former XXXX and XXXX veteran, I always intend to conduct myself responsibly, and value my relationship with Bank of America. I would not want to jeopardize this relationship.

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