Consumer complaint received 2024-04-12 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: CA

Complaint narrative:
Sometime last XXXX or XXXX of XXXX  I opened a checking and savings account with Bank of America to use it as my direct deposit my XXXX benefits. 

It was working well for awhile, until my investment company from XXXX called XXXX finally sent me email that they will send me check of {$15000.00} first and to follow the rest of my profits. I received the check which I see it looks fine for me. I didn't suspected that XXXX will do such a thing, since that's the second check I received from them with the same amount. And I don't exactly know how to see a bad checks. 

I deposited the check to ATM since the bank was already close that time, I forgot if bank holiday or it's late already. After few days I received a mail from Bank of America with the same check I deposited and saying that the check I deposited was a bad check, because of that they closed my account and will return all what ever I have balance in my account. After I ready that mail I went to my nearest Bank of America to discuss the issue, but the bank line was so long and they required appointment ahead. Since I don't have I left and called bank support. 

No luck to get hold of Bank of America support, until I forgot all about it since I able to find XXXX online bank. 

Since then I was always getting denied to open for Credit Card, Checking account from all bank, except XXXX and other Online bank. Which up to now I don't have issue with that XXXX bank and XXXX as well. 

I tried for the last time to open a Checking account from one of the reputable Credit Union Bank, i was denied again and that how I found out that there's a bank who reported me. The Union bank employee was so honest and helpful to assisted me, he suggested to contact XXXX XXXX XXXX. 

As soon I reached home I called XXXX XXXX and found out that Bank of America reported me from that bad checks I deposited, I told XXXX, I have no idea about the bad check and what will i do with that check, it was sent to me I know in good faith, since that's the second time I received form XXXX  and the first check was good it went through. I also contacted XXXX but I can't able to hold the person who signed that check and everyone saying that it was a good check. Who will I believe off course the bank. 

Until now i never get my profit from my investment which is one thing I would like to report to your office and ask your help as well. 

The XXXX XXXX was so helpful to assisted me right away and started reaching out bank of America. Getting all steps to get my credits and able to open me Checking and Credit cards account. But since Bank of America still not convince about what have been reported with them. My credit reports was still bad and I can not and open Checking account and Credit Cards from all reputable bank. 

How Bank of America judged me that way, the check is not my personal check, my investment company just sent that to me for my over due profit that I long been asking with them o withdraw from my XXXX  account. 

Please I need your help to get back my good reputation from banking network. Thank you!

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 non-monetary relief