Consumer complaint received 2024-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
. On XX/XX/year>, I deposited a check of {$100000.00}, using the XXXX mobile application. It was a check from XXXX XXXX XXXX, a customer who I've been working with for more than 20 years, I never had any problems with their payments. After the money became available on XX/XX/year>, I made an international wire transfer to my supplier from XXXX in the sum of {$64000.00}. On XX/XX/year>, I noticed that my account became negative. I called customer service, but nobody could explain to me what happened. On XX/XX/year>, the customer service representative told me that the money ( {$100000.00} ) was returned to the check maker with no explanation because the reason for returning the money is confidential. I contacted the check maker and was told that they dont understand what caused this check to be returned as it was not rejected in payment protection, nor does it have a stop payment listed. On XX/XX/year>, the money was deducted from the check maker 's account and to their surprise, it was returned XX/XX/year>. Based on the above mentioned, I believe that Bank of America initiated this return as a retaliation for my complaint filed to CFPB XX/XX/year>, also Bank of America XXXX XXXX XX/XX/year>, canceled my online bills in XXXX XXXX and I consider it to be an improper interference with my business. On XX/XX/year>, I deposited a check of {$100000.00}, using the BoA mobile app. It was a check from XXXX XXXX XXXX, a customer who I've been working with for more than 20 years, I never had any problems with their payments. After the money became available on XX/XX/year>, I made an international wire transfer to my supplier from XXXX in the sum of {$64000.00}. On XX/XX/year>, I noticed that my account became negative. I called customer service, but nobody could explain to me what happened. On XX/XX/year>, the customer service representative told me that the money ( {$100000.00} ) was returned to the check maker with no explanation because the reason for returning the money is confidential. I contacted the check maker and was told that they dont understand what caused this check to be returned as it was not rejected in payment protection, nor does it have a stop payment listed. On XX/XX/year>, the money was deducted from the check maker 's account and to their surprise, it was returned XX/XX/year>. Based on the above mentioned, I believe that Bank of America initiated this return as a retaliation for my complaint filed to CFPB XX/XX/year>, also Bank of America XXXX XXXX XX/XX/year>, canceled my online bills in XXXX XXXX and I consider it to be an improper interference with my business. Bank of Amerika 's conduct was malicious and outrageous and warrants a thorough investigation by CFPB and imposition of sanctions based upon the tampering with bank records, breaches of contract and the torts committed.

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