Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
This is regarding the ongoing investigation and claims I have initiated and submitted through my Bank ( Bank of America, hereinafter referred to as " BoA '' ). I have spoken to one of the clerk 's this afternoon at my county 's tax office ( " XXXX '' ), spoke to a representative and also followed up with my bank ( BoA ) this morning and provide the following details and updates. 

This issue stems back to XXXXXXXX XXXX XXXX. Where I used my usual preferred payment to pay the real estate taxes on my property through bill pay via BoA. The payee details have always been and remain the same. On this particular date in question, I made payment in the amount of {$1600.00} ( pay date : XX/XX/year>, check no. XXXX ). The payment cleared and the funds were withdrawn from my BoA account. I then received a letter from XXXX in XXXX XXXX XXXX stating that I was delinquent and my account was past due, threatening that legal action would be taken, and furthermore that late fees would be assessed. 

I contacted my bank ( BoA ) and have been going through an incredible amount of stress and back and forth between BoA and the County to rectify my account and obtain proof of payment. BoA has finally submitted a fraud claim only as recently as XX/XX/year> and have determined that this case was indeed fraud and the check was " washed ''. However, the fraud still remains unsettled and funds to my personal bank account have yet to be returned. We have also filed a police report with XXXX XXXX XXXX Police Department ( XXXX XXXX XXXX ) case # XXXX that have also proven to be unsuccessful after the officer stated that an officer knocked on the door of the alleged person who intercepted our check, but to no avail, she stated there was nothing more she could do. 

I write to you to memorialize in writing my efforts to date, and to provide updated documentation. As of this morning, BoA notified me that they have sent the XXXX an affidavit that would need to be signed and returned back to BoA in order for them to credit the funds back to my account. I visited the XXXX office this morning between the hours of XXXX and XXXX today. The clerk informed me that they have not received such documentation from BoA. In fact, they only have a letter dated XX/XX/year>, from BoA acknowledging the payment was made in good faith. BoA claims they have submitted the letter to the address XXXX XXXX XXXXXXXX XXXX  PA XXXX. 

I went back to my car to call BoA and another rep stated that an affivdavit wound be sent and copy sent to me, but this contradicts the email i received from another rep stating that they are waiting to hear back from XXXX XXXX and until they can get their money back from XXXX XXXX XXXX that they can not give me my money back and they have no control on how long it would take them to get me my money. My case is a clear check fraud and forgery case committed by one individual that we know of so far, XXXX XXXX, who was the person that wrote the check to himself and used mobile deposit though XXXX XXXX ( documentation attached showing the same ). 

Without a signed affidavit, BoA claims they are unable to process a refund ; until they hear back from the bank that cashed the check illegally. 

I have attached documents evidencing everything I have detailed for you today and am hoping to find a resolution after 6 months of trying. this resulted in me having to pay for my real estate taxes twice to avoid litigation and late fees assessed on my property. BoA continues to hold my money hostage after they confirmed it was in fact fraud. this is not right for the consumer to bear the burden of stress and follow up after numerous visits to multiple banks and 6 months. I urge the CFPB to please help facilitate communications between my bank BoA and XXXX XXXX or " XXXX XXXX XXXX XXXXXXXX '' ( as they refer to it. ) i am desperate and tired.

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