Consumer complaint received 2024-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Im a XXXX XXXX XXXX in XXXX XXXX. I started to do XXXX XXXX for online shopping platforms such as XXXX and XXXX in XXXX XXXX, sending out packages to individual customers. I had a group of drivers who was doing delivery for me at that time. 
Around XXXX that year, I met a guy who was called XXXX XXXX. His father and and my father were in the same truck driving school. 
XXXX was a truck freight forwarder. He claimed to have several warehouses around the XXXX  area and XXXX XXXX trucks. He mentioned one of his partners, XXXX, who was a warehouse manager in XXXX. I thought we could work together as I might need trucks and warehouses for delivery. 
It worked out fine at the beginning. We used XXXX warehouse in XXXX to sort out the packages with almost no cost. Later on, XXXX told me he had a registered company in Delaware. If I could send my revenue to his company in XXXX, he would send it back to me from his Delaware company. 
By doing so, I can drastically cut the tax I need to pay. I decided to take a try. On XX/XX/XXXX, I wrote a check to him with {$10000.00}, which was my revenue for XX/XX/XXXX to XXXX. On the next day, I wrote him another check of {$15000.00}, which was my revenue for XX/XX/XXXX to XXXX. 
I had a XXXX business account. XXXX had his business account with the Bank of America. 
After he cashed two checks, he told me it would take about three weeks for him to receive the funds. 
In XXXX, I went to his office in XXXX XXXX once. That day I saw a group of truck drivers waiting there to get their paychecks, as XXXX had not paid them for almost a month. XXXX did not own any truck actually, they were the real truck owners. 
XXXX showed up late and explained to me that the Bank of America closed his account, so he did not have any money to pay the truck drivers. Because of that, he never got my money.

To figure it out, I went to a brach of BoA. They told me they closed his account due to suspicion of fraudulent activities. My two checks were suspended by the back office. I managed to call t
he number of their Fraud Department. They confirmed that they were holding my money and they would only give it back to me after they received a check fraud claim from my bank, XXXX. 
As for XXXX, they insisted they could not file a claim as I wrote those two checks personally, they were not considered as fake checks. I was working on that the entire XXXX but never got my money back. 
In early XXXX, I went to the office of XXXX in XXXX XXXX again and found it empty. He moved without any notification. I asked the real estate manager and found out that XXXX did own or rent the entire warehouse. He only rent a small office there. 
As for XXXX partner XXXX, he left the company running that warehouse in XXXX abruptly, supposed to be a bit earlier than XXXX moving out of his office in XXXX XXXX. 
As for now, Im still not sure whether XXXX is involved in faudulent activity or not. I just want to get my money back from the Bank of America.

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