Consumer complaint received 2023-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
A CHECK FOR AMOUNT OF XXXX WAS MADE OUT TO ME FROM XXXX BANK OUT OF MY ESCROW ACCOUNT THAT WAS MY INSURANCE MONEY TO PAY MY CONTRACTORS WHO REBUILT MY HOUSE AFTER A HOUSE FIRE! THE CHECK NEVER MADE IT TO ME, I MADE MANY POLICE REPORTS. DID ALL THE PAPERWORK XXXX BANK REQUESTED FROM ME. INVESTAGATION IS AT XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, WAS GOING TO QUESTION THE XXXX PEOPLE WHO ILLEGALLY FORGED MY NAME ON IT AND CASHED IT AT A BANK OF AMERICA XXXX XXXX NEW YORK XXXX THEN THEY WAS CHARGING THEM WITH MANY CHARGES! NOW THAT INVESTAGATION IS DONE BANK OF AMERICA STILL WILL NOT GIVE ME MY MONEY. NOTE THAT THE CHECK HAD XXXX NAMES IT WAS MADE PAYABLE TOO. NOTE XXXX  ONLY FORGED MY NAME ON THE BACK. SO BANK OF AMERICA DID NOT EVEN HAVE IT ENDORSED CORRECTLY. THEY SHOULD HAVE RED FLAGS JUMP OUT AT THEM IN THE PROFESSION THEY ARE IN AND THEY FAILED TO FOLLOW PROCEDURES AND LAWS/ RULES- ALL BROKEN!! I NEED MY XXXX XXXX  BACK NOW!!! I HAVE CONTACTED THE XXXX XXXX WHO HANDLES BANK OF AMERICAS COMPLAINTS, BUT HE WILL NOT EVEN RETURN MY CALL. IT TOOK HIM 5 DAYS TO EMAIL ME THAT HE NEEDED THE AFFIDAVENT COPY I FILLED OUT FOR XXXX BANK TO OPEN THE FRAUD CASE. I SENT THAT TO HIM NEXT XXXX. IT HAS BEEN FEW DAYS NOW AND NO WORD FROM HIM,. I EVEN CALLED HIM TWICE AND NO CALL HAS BEEN RETURNED TO ME. THE XXXX NEW YORK BANK OF AMERICA I CALLED AND SPOKE TO A XXXX ABOUT THIS SAID THAT IT IS NOT RIGHT THAT THIS EVEN HAPPENED BUT IN ORDER TO TELL ME IF THE XXXX  OPENED AN ACCOUNT WITH MY NAME TO CASH THE CHECK- OR IF THEY SHOULD AN ID WITH MY NAME ON TO CASH THE CHECK, I WOULD HAVE TO BRING MY ID INTO THE BRANCH .... I THINK IT SHOULD BE A LAW THAT THEY SHOULD TELL ME IF ACCOUNT WAS OPEN OR IF CRIMINALS HAVE AN ID WITH MY INFO ON IN ORDER TO PROTECT MYSELF AND MY CREDIT AND MY LIFE FOR THAT MATTER. I DONT SEE HOW ANYONE CAN KEEP INFORMATION LIKE THAT AWAY FROM THE VICTIM??!! I WANT MY MONEY BACK AND IT HAS BEEN SINCE XX/XX/2023 THAT IT CASHED AND THE CASE OPENED UP XXXX XXXX AND ONLY BECAUSE THE XXXX BANKS NEGLIGENCE GOT MY CHECK STOLEN BY THEIR POLICY IN WRITTING A CHECK AND THEN THEY HAVE XXXX TO XXXX BUSINESS DAYS TO ACTUALLY GET IT IN ENVELOPE AND SEND IT OUT, THEY DONT SEND IT WITH A TRACKING NUMBER OR ANYTHING., NOT CERTIFIED- NOTHING THEY JUST SEND IT CARELESSLY TO PEOPLE WHO HAVE HAD A CATASTROPHIC EVENT HAPPEN TO THEM TO BEGIN WITH. AND IT WAS BANK OF AMERICA WHO NEGLIGENCE OF NOT PROPERLY TRAINING THEIR EMPLOYEES THAT ALLOWED A XXXX PERSON PAYABLE TO CHECK BE CASHED WITH A HANDWRITTEN ONLY XXXX NAME FOR THE ENDORSEMENT, AND WITH ME NOT HAVING AN ACCOUNT THERE OR SHOWING ID .... ALSO NOTE I HAVE NEVER EVER IN MY LIFE HAD A BANK OF AMERICA ACCOUNT,. AND I LIVE IN XXXX  AND WE DONT EVEN HAVE A BANK OF AMERICA AROUND WHERE I LIVE!!! SO, I NEED SOMEONE TO MAKE THEM DO WHAT I THOUGHT WAS A LAW- FEDERAL LAW AT THAT, AND MAKE THEM GIVE ME MY MONEY BACK. WHY AM I WAITING AND BEING XXXX  BECAUSE I CANT PAY MY CONTRACTORS FOR THEIR WORK ON BUILDING ME A HOUSE AND I CANT LIVE IN IT ..... I STILL PAY XXXX BANK MY XXXX. MORTGAGE PAYMENT ON TIME EVERY MONTH AND THAT WILL STOP HERE REALLY SOON. IT IS ALMOST XXXX DEGREES AT XXXX  AND XXXX  HAS NOT EVEN BEGUN. SO I WILL GET MY XXXX KIDS AND I A HOTEL TO LIVE IN REALLY SOON. I DONT WANT TO FREEZE TO DEATH OR DIE BECAUSE I HAVE THE CAR ON ALL XXXX  TO STAY SOMEWHAT WARM- ALL BECAUSE THESE XXXX BANKS NEGLIGENCE ALLOWED THE FRAUD/THEFT/FORGERY TO HAPPEN. IS THERE NOT A 'VICTIM LAW ' SO THE VICTIM CAN STOP SUFFERING??????? OR DO I JUST KEEP BEING THE VICTIM AND LETTING THE USA AND THE BANKING SYSTEMS AND FEDERAL EVERYTHING KEEP XXXX  ME AROUND AND MAKING ME WAIT. WHEN IS ENOUGH ENOUGH????????? YOU WILL SEND THIS OUT TO THE SAME PEOPLE I HAVE TO DEAL WITH AND NOTHING EVER GETS TAKEN CARE OF. THEY HAD THEIR WHATEVER AMOUNT OF DAYS THEY NEEDED TO XXXX, NOW PAY UP!!!!!!!!!! SO SENDING THIS TO XXXX XXXX AT XXXX OFFICE, OR XXXX XXXX BANK OF AMERICAS OFFICE WILL NOT HELP ME AT ALL.- XXXX KNOWS XXXX -WELL, XXXX XXXX SAY XXXX IS THE PROBLEM- SHE KNOWS JUST PLAYS LIKE SHE IS A XXXX  XXXX- WHICH I AM SURE TO BE IN THAT POSITION SHE IS NOT AND IS VERY WELL PLAYED ACTOR IN HR ROLE- AND THE XXXX AT BANK OF AMERICA- WELL HE JUST DOESNT EVER CALL ME BACK OR EMAIL FOR THAT MATTER. NOT EVEN A REPLY LETTING ME KNOW HE DID GET THE INFO I SENT OVER TO HIM THAT HE REQUESTED- NOT A WORD, SO MAYBE SOMEBODY HIGHER UP THEN THESE BANKS NEEDS TO STEP IN... AND I ANY CASH OVER XXXX HAS TO BE REPORTED TO THE IRS- SO HOW DID THAT REPORT GO- BETTER NOT HAVE BEEN IN MY NAME- OR DID BANK OF AMERICA NOT EVEN DO WHAT THE FEDERAL GOVERNMENT/ IRS REQUIRES THEM TO DO !! I DONT SEE HOW THEY CAN GET AWAY WITH MESSING WITH THE IRS XXXX BUT I DID NOT GET THAT MONEY SO NO REPORT SHOULD BE IN MY NAME AND IF IT WAS THEN THEY LIED TO THE IRS ON TOP OF ALL OF THIS- I BET IRS WOULD GET THEIR MONEY BACK!!!!!!!! PLEASE HELP ME. I AM TIRED OF DOING THESE COMPLAINTS AND TIRED OF DEALING WITH BIG CORPORATES WHO JUST WALK ALL OVER THE LITTLE PEOPLE IN LIFE.. SYSTEM IS XXXX. I DONT CARE WHAT THEY HAVE TO DO, JUST PAY UP,. TAKE IT FROM WHERE EVER THEY MUST- NOT MY PROBLEM. XXXX SHOULD BACK THEM UP ON THIS ALSO SO I REALLY DONT UNDERSTAND WHY I AM STILL WAITING.. SORRY FOR TYPOS. I ONLY HAVE SO LONG BEFORE BATTERY DIES SO I AM JUST TYPING. THANK YOU AGAIN I GUESS.

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