Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2021 I received an email offering me a job offer as a customer service representative at a company called XXXX XXXX. They told me to connect with individual by the name of XXXX XXXX on XXXX and that he would be my hiring manager. At first I was suspicious but because I was looking for a job and decided to go ahead with it. XXXX told me the company would send me checks to buy equipment for the customer service representative role. he first sent me a check of {$4300.00} that I cashed on XX/XX/2021 however the check bounced and my bank alerted me. At the same time I also cashed another check of {$3400.00} from another job I received from a company called XXXX, the check was cashed on XX/XX/2021 and it also bounced. The hiring manager at XXXX was called XXXX XXXX and after I reached out to him about the bounced check he ghosted me, this raised my suspicion that the XXXX job was simply a scam. However, I was hoping that my other job offer at XXXX XXXX was not fraudulent so I reached out to XXXX XXXX about the bounced check of {$4300.00} and he told me it was a problem with the accounting office which I believed at the time. He sent me another check of {$1000.00} which I cashed on XX/XX/2021 and it ended up going through and then he told me to sent it to him, which I did. He said the money would go towards the equipment and that he needed me to cash another check. At this point I had a high suspicion I was being scammed, but because the {$1000.00} check went through it gave me doubt about whether this was a scam or not. So then he sent me two checks which he reassured me would go through and were not fraudulent, I had doubts but because the {$1000.00} check went through I believed him. so on XX/XX/2021 I cashed a check of {$4800.00}, the check was deposited into my account and sent him the money believing it was a real job, but then my bank which is bank of america told me the check bounced and that they were going to place a balance on my account. I was furious at XXXX XXXX, but he told me it was another accounting issue and that he would send me another check to correct the balance. so on XX/XX/2021 I cashed another check of {$3600.00}, however after telling XXXX XXXX this, he ghosted me and vanished. And so at that point I realized I had been scammed twice which is embarrassing to admit, so the next day I called my bank to let them know that I was scammed and that the checks were probably fraudulent as well. however, despite bank of america acknowledging that it was not my fault and that I was a victim of fraud, they still decided to close by bank account. So therefore, I am now filing a complaint because I believe I was unfairly treated and I would like my record to clean from these issues. I have all the receipts and the evidence to prove my claim, I have attached them to this complaint. 

sincerely, 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 explanation