Consumer complaint received 2025-10-12 00:00:00
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
State: CA

Complaint narrative:
On Saturday XX/XX/XXXX, I dropped off my mail ( Propety Tax Bill along with my BOA check of {$4100.00} payable to XXXX XXXX XXXX of XXXX XXXX ) at the local XXXX XXXX at XXXX XXXX, XXXX CA XXXX. The XXXX XXXX was closed right around XXXX when i got there ; therefore, I dropped it into XXXX of the mail boxes in front of the XXXX office. Somehow, my mail was intercepted and stolen by someone who has accessed to the mailbox or to the mail truck on the weekend. A week later, I checked the BOA website to see if my property tax check had been cleared and paid to XXXX XXXX, but found out that it had been stolen and modified to make it like i wrote and paid to these people. I don't know the XXXX people or names written on the checks. My original check had been altered with the XXXX changed from " XXXX XXXX Tax Collector '' to " XXXX XXXX '' and " XXXX XXXX '' on the XXXX duplicated/fraud checks. I talked to BOA 's Fraud department on the phone and even came to the local BOA to show their employees of my original carbon copy of my original check. I also went to the local postal office and filed a complaint about the mail theft at their office. I told them that their mailboxes or mail trucks have been compromised and they need to review the camera outside their door to see who had access to their mailboxes on Saturday, Sunday and Monday ( Veteran Day ). They stole/altered my check on the weekend and cashed the checks at XXXX different banks ( XXXX and XXXX Bank XXXX XXXX Tuesday XX/XX/XXXX according to Bank of America XXXX XXXX The XXXX XXXX also gave me a telephone number to file a complaint with its Postal Inspectors. I did file a complaint with the XXXX XXXX. According to the acknowledgement email, the case number or Service Request is XXXX and it has been forwarded to the United States XXXX XXXX XXXX ( XXXX ). 

Bank of America also sent some forms\documents for me to fill out. I f filed/faxed all documents including my statements of XXXX fraud checks for a total of {$8300.00} on XX/XX/XXXX. I have made a lot of calls to Bank of America to follow up on my fraud claims/two fraud checks. In XX/XX/XXXX I finally got some of my money back, but I only received {$4100.00} or half of the amount back from Bank of America. From what i have learned via telephone contacts with bank reps, it looks like they screwed up my original fraud claim, therefore, they closed my original fraud claim and made me filed another fraud claim for the second fraud check after several months later. They were saying something about their mistake for not filing for XXXX fraud check. In another phone call, they told me that they didn't receive all my docs. But that is a lie because i faxed my original fraud claim twice, i still have these fax records in my outlook email. I followed up with BOA rep after all my fax to confirm that they got all my documents. They also have copies of the XXXX fraud checks in their records, too. XXXX Bank is the only bank who has paid back that amount back to BOA and credited it to my BOA checking account. My phone calls with BOA reps, they all gave me different answers every time. On BOA rep told me that it's a mistake to file second fraud claim because the original fraud claim is still pending. XXXX bank rep told me that " don't worry you will get your money back ''. Another rep told me that I won't get my money back until XXXX Bank sending that money back to BOA. I don't know who should be taking the fault for these fraud checks, but i feel that they all should all be responsible for allowing it to cash via their banks and failing to protect my bank account. My recent call with BOA still has no result and i still have not received {$4100.00} from XXXX XXXX.

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 monetary relief