Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Timeline of Events XX/XX/year> I received a check in the amount of {$7500.00} as payment for work on a specific project. 

XX/XX/year> I deposited the check using the banks mobile app and correctly entered the deposit amount as {$7500.00}. 

XX/XX/year> When the deposit had not cleared after an unusually long period, I contacted the bank to inquire about the delay. A bank representative informed me that the system had read the check as {$1300.00} ( or possibly {$13000.00}, which was unclear ), despite : - The deposit amount being entered correctly during mobile deposit ; and - The bank being able to view the image of the check, which clearly and legibly shows both the legal amount and courtesy amount as {$7500.00}. 
I was told the deposit would require additional days to clear. Concerned, I went to a local branch and presented the original check to a teller, who visually confirmed that it was written for {$7500.00}. 

XX/XX/year> Bank of America contacted the check writer and asked whether she had made a payment for {$1300.00}. She stated that she had not and explained that the check was written for {$7500.00}. She contacted her bank, XXXX, for clarification. XXXX confirmed that the check had cleared and had been transmitted to Bank of America on XX/XX/year>, the same day it was deposited. 

XX/XX/year> I was unable to log into my account. Upon calling Bank of America, I was informed that all accounts had been closed due to alleged fraud. 
Between XX/XX/year> and XX/XX/year>, I spoke with multiple bank representatives, all of whom confirmed they could see : - The image of the check showing {$7500.00} ; and - My mobile deposit confirmation reflecting {$7500.00}. 
This includes my in-branch visit where the teller also confirmed the check amount. Despite these confirmations, the bank continued to accuse me of fraud and kept all accounts frozen. 

XX/XX/year> After several hours of calls with supervisors, the bank agreed to reopen the case and advised that a decision would take XXXX business days, extending to XX/XX/year>, before I would even know whether my accounts would remain open. 
According to XXXX, the bank withdrew the {$7500.00} from the check writers account on XX/XX/year> and is currently holding those funds while denying both the check writer and me access. 

XX/XX/year> As of this date, we have no access to any funds, including payroll. Automatic payments are being rejected, late fees are accumulating, and the situation has caused nearly a two-week delay in the project we were paid to complete for the check writer. This has created unnecessary disruption and strain on a professional relationship.

There are also growing concerns regarding whether the banks internal fraud designation may be reported to or retained within banking systems ( e.g., XXXX or similar ), potentially affecting future banking relationships. 

At no point did I misrepresent the amount of the check. I deposited a valid check written to me, entered the correct amount, and repeatedly attempted to resolve what appears to be a bank system error. The check writer also contacted the bank directly to confirm the correct amount, without success. 

Despite being a customer of nearly 20 years, I was repeatedly accused of fraud. At one point, a representative in the banks risk department stated, You wont be getting your account back - you committed fraud, and disconnected the call when I attempted to explain that I had done nothing wrong. 

The bank has yet to take accountability for its processing error or meaningfully resolve the issue.

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