Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
XXXX I want my money refunded to me, Bank of America refuses to give me a refund. I deposited a cashiers check into my checking account, for {$1800.00}. Bank of America told me the check cleared. I withdrew {$1600.00} from my account, gave that money back to the scammers in a money order. XXXX days later Bank of America took the money for the cashier check back out of my checking account. They should never had told me the check cleared. 
I verified this check cleared with a person on the phone ( the main phone number of the bank ) also before I took the money out of the bank. I asked the teller did this check clear yet? He said yes. I would have never have withdrew {$1600.00} from my account to pay the scammer. If I knew the check did not clear. 
I asked the bank why did you take the money out of my account? They said the bank ( XXXX XXXX  ) that the scammer used took the money back. We do not know why? I said you told me the check cleared. 
I always thought a cashiers check was just like cash. 
I sold a heater on XXXX XXXX XXXX, for {$250.00}. I deposited the check for {$1800.00}. Because the scammer said give the rest of the money give to the movers when they come to pick up the heater. The mover wanted the money ASP. ( I am giving to a brief description of why I had {$1800.00} check. ) XXXX I posted a heater for sale on XXXX XXXX. 
XXXX I deposited the cashiers check for $ XXXX, from the scammer XXXX XXXX XXXX Bank of America XXXX my checking account. 
XXXX I called XXXX to verify the check was cleared. And I asked the teller if the check has cleared they both said yes. I withdrew {$1600.00} to get a money order to pay the scammer mover. They never said the check would take XXXX to XXXX  days to clear. They said it cleared. XXXX XXXX I went to the XXXX post office to make a stop payment on the money order. I sent the scammers. ( Im an XXXX ). They said they cant cancel money orders. I paid {$20.00} for each money order to be investigated. It takes 30 days for a answer. 
XXXX Bank of America returned the check to the bank XXXXXXXX XXXX 
XXXX I also went to the bank and spoke to a lady ( name might have been XXXX XXXX. I said I want to talk to the fraud dept. because she said there is nothing she can do. She calls the fraud dept. Which is the main number. They put her on hold and said there was up to a XXXX minute wait. I said I am not waiting XXXX minutes. I just did that before I came here. 
XXXX Spoke to XXXX from the fraud dept. She said she is doing it as a scam alert. She did not give me any case number. She said do not contact these people. 
XXXX Appointment with XXXX he said Bank Of America put their money into my account not the money from the cashier check. Im thinking the money came from the check. He said the money was not from the cashier check. The bank put there money into my account. ( They told me it was from the check. When I withdrew the {$1600.00}. To give to the scammer. I would never, every have have taken {$1600.00} out of the bank if I knew it was the banks money and not from the check. I said you cant do something to refund my money. He said no he said he would call the fraud dept. He did, the XXXX number. Same thing the recording said you have a XXXX to XXXX minute wait. I said you cant call them direct. We were at the end of the meeting. I waiting XXXX minutes and left. 
XXXX Bank said they have no papers for me to fill out. There is nothing they can do. 
XXXX Shanique from the bank called me she said the cant file fraud because I was the one that put the check in the bank. 
Now I find out Bank Of America is not FDIC insured. After I did research with all the complaint I am putting in, asking for help in getting my money back. 
The bank knows how these scammers work. Why did they put their money {$1800.00} into the my account and tell me it was from the cashiers check from XXXX XXXX ( the scammer ). I blame this on the bank. I feel they are responsible for this major problem. They made me think the money was from the check not them. Why did they do this? This whole thing is a night mare to me and I look like a total XXXX. Bank of America caused this fraud. No wonder there is so much scams going on. The bank is working with the scammers. They never said that was there money they said the check he deposited cleared. They are in the wrong. 
I am in the process of taking all of my money out of Bank of America and going to a bank that is insured. 
XXXX I texted the scammers and said I want my money. I got no response. I called there phones and they cut off the voice message. I can only text. 
I posted my XXXX list back. I am hoping XXXX list or the XXXX Internet crime Complaint Center can figure out anything. I dont see any emails from them. So that is another mistake I made. 
I have all the text message, money order, if you need them. XXXX Bank of America XXXX XXXX XXXX XXXX, XXXX Ohio XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Ohio / 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