Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request the removal of negative information reported on my credit file related to an incident in which I was the victim of an online employment scam. I respectfully ask that this statement be added to my file and fully considered in your review. 

I relocated to the XXXX XXXX in XX/XX/XXXX, initially to XXXX, XXXX, and later moved to XXXX XXXXXXXX XXXX XXXXXXXX. As I worked to reestablish myself, I began searching for employment primarily through reputable online platforms, including XXXXXXXX XXXX XXXX XXXX  and XXXX. During this time, I received an unusually high number of responses many of which directed me to suspicious websites. These experiences caused me to pause my job search due to safety concerns. 

On XX/XX/XXXX, I received an email at my address : XXXX that appeared to be a legitimate employment opportunity with XXXX XXXX XXXX XXXX. The email included instructions and a link to communicate with a representative named XXXX XXXX XXXX. Wanting stable employment, I followed the instructions. When I researched the company online, I saw a photograph of a woman whose appearance matched the individual I believed I was interviewing with. This further convinced me that the opportunity was legitimate. 
Over several days, I engaged in detailed conversations, answered numerous interview-style questions, and was led to believe I had been hired for a remote position. Unaware of the extent of fraud that occurs in online hiring, I trusted what I was being told and followed the instructions provided by the scammer. 

At their direction, I received via email XXXX and deposited two checks into my long-standing Bank of America ( BOA ) checking account # XXXX. Checks amounts were {$2300.00} and {$2400.00} I truly believed these checks were legitimate company funds related to my new employment as they looked normal to me. BOA provided no warning whatsoever regarding the deposits, no alerts about the unusually large amounts, no information about when the funds would clear, no fraud notices, and no questions regarding the purpose of the transactions to my recollection, especially since this was my first time depositing checks through BOA mobile banking, and I had never encountered any issue with Bank of America since opening my account in XXXX. 
I did call BOA to request the release of XXXX transfer several times yes, but this was something I had been accustomed to doing in the past, and no warning or fraud alert was provided at that time either. 
Despite my attempts to explain the situation, Bank of America immediately closed my account and sent multiple letters without acknowledging or considering my explanation. Their handling of the situation was abrupt and lacked any investigation into the fact that I was the victim of a sophisticated employment scam. 
I am not a criminal nor someone attempting to defraud the bank or anyone. I am a victim who was earnestly seeking employment and made a terrible mistake due to inexperience, XXXX, and misplaced trust. I am now currently paying off a debt created entirely by this fraudulent incident and the lack of appropriate warnings or safeguards from Bank of America. 

I respectfully request that the negative information tied to this event be removed from my credit report, as it does not reflect my character, history, or intentions. I ask for fairness, compassion, and a thorough review of this situation in light of the facts provided. 

I have also contacted XXXX XXXX with over XXXX plus of evidence to no avail. Obliviously, my information is not thoroughly examine As it relates to my chat via teams with the scammer 60 files are uploaded total amount of files I have on hand over 207 files Thank you for your time and consideration. 
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 monetary relief