Consumer complaint received 2023-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I have an issue with a check I was issued from XXXXXXXX XXXX I cashed this check on XX/XX/XXXX and it was destroyed shortly after, it seems to somehow have been presented again at another bank ( XXXX XXXX XXXX ) which I do not have an account with. 

I got this information about XXXX XXXX XXXX and the check images from XXXX XXXX who works at XXXX XXXX and helped me to initiate the fraud claim ( XXXX / XXXX ) due to the check looking like it was altered and should have never been accepted by XXXX in the first place. 

From here the case was handed over to the office of the Chairman ( XXXX XXXX/ XXXX XXXX ) who has apparently been working on ACH Claim / Adjustments Claim ( XXXX ). 

Today I was contacted by BoA Risk Closure Dept. They told me that `XXXXXXXX XXXXXXXX from XXXX XXXXXXXX was in contact with them and provided me with your phone number ( XXXX XXXX XXXX ), they said you contacted them and directed them to pay XXXX XXXX in reference to my deposit... They were not able to provide much more details other than XXXX initiated some type of claim against my account and that XXXX XXXX contacted them ( BoA ) to verify XXXX was indeed the intended recipient... 

This has to be some type of mistake because I do not have a XXXXXXXX XXXX  Account and I do not know who XXXX XXXX is nor have I ever endorsed ANY check to him ever. 

I am writing to you all to inquire about that contact with BoA as well as what XXXXXXXX XXXX  is doing for me in reference to this issue. 

I was further advised by the police to contact the CFBP and FTC as well as I3C, I have done that and when I informed them they told me at this time if the issue is still not resolved to seek legal advice or sue the banks in Civil Court... I contacted XXXX XXXX, he advised he would help me sue the banks involved if I needed to recover the money but he is going to have to charge to represent and file the suit and things are starting to get exceedingly complex in a short amount of time. 

To be completely transparent I don't need anymore debt than I have incurred already as a result of this incident and I am already losing my mind, please help me get to the bottom of what exactly is going on here, if my account is not made whole at BoA by XX/XX/XXXX they will close my account there and begin charging interest which will bankrupt me. 

I have already refinanced my house in an attempt to stay whole however XXXX did not adjust my HELOC and as a result you were paid XXXX on XX/XX/XXXX and the account was closed rendering me in a position where I can not make myself whole again while this process remains unresolved. 

I will have no option but to undo the refinance which will re-open the HELOC to which I have less than 30 days to do so and then to declare bankruptcy and file suit. 

Please help me to avoid all of this legal process and make myself whole again otherwise I don't know what other choice I will have but to request the further assistance of XXXX XXXX. 

I am willing to accept any temporary resolution possible such as a personal loan / line of credit / re-opening of my heloc, at the end I would hope you would do a reissue of the check or work with BoA to recover the funds from XXXX since they are the bank of Fraudulent Deposit in this matter NOT Bank of America. 

Thank you for your help and I look forward to hearing from you soon.

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