Consumer complaint received 2026-02-25 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: MA

Complaint narrative:
My name is XXXX XXXX XXXX and I am submitting this complaint regarding XXXX XXXX XXXX handling of my account closure and potential negative reporting to consumer reporting agencies after I was the victim of an employment scam. I was targeted in an internet job scam in which an individual falsely represented themselves as a recruiter for a legitimate company ( XXXX ). After completing multiple rounds of online interviews, I received a formal job offer via email for a remote position. The offer appeared legitimate and included forged employment documentation using the companys name and branding. I signed and returned the offer letter and provided a copy of my drivers license as part of the on boarding process. I received a digital image of a check in the amount of {$8900.00} on XX/XX/year>. I was instructed to deposit the check into my Bank of America account using the mobile banking app. The individual impersonating the hiring XXXX stated that the funds were for purchasing work-related equipment and that I needed to send a portion to an approved third-party vendor. On XX/XX/year>, Bank of America made {$6400.00} temporarily available from the deposited check. Following the instructions provided, I initiated a wire transfer of {$6400.00} ( plus a {$30.00} wire transfer fee ) from my husbands bank account to the following beneficiary account. The instructions were provided via text message by the individual impersonating the hiring XXXX. On XX/XX/year>, I was sent an additional check for {$6000.00} and was instructed to deposit it for additional security software expenses. That check was also deposited via mobile banking. On XX/XX/year>, Bank of America reversed the previously available {$6400.00} after determining the check was returned unpaid. As a result, the funds had already been wired out, causing a financial loss of {$6400.00}. Once the deposit was reversed and communication ceased, I realized I had been the victim of a fraudulent job and check scam. I had absolutely no knowledge that the checks were fraudulent and no intent to engage in any wrongdoing. I immediately reported the incident to my local police department and obtained a police report on XX/XX/year>. After complain to Police department, I immediately visited Bank of America, XXXX XXXX XXXX MA XXXX and I explained this matter with XXXX. Even I called so many times to Bank of America XXXX XXXX to explain my situation but Bank of America is not giving me chance to submit my document on their site or mail to review my case. I have supporting documentation including : Copy of the forged job offer letter Communication records with the scammer Copies of the deposited checks Police report Despite providing this information, I am concerned that Bank of America is treating me as a participant in fraud rather than a victim. I received mail from Bank of America about they may report my case to XXXX or XXXX XXXX XXXX. Any negative reporting to XXXX or XXXX XXXX XXXX would severely damage my ability to open bank accounts in the future and XXXX affect employment opportunities.

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