Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I started a job, which I thought was a legit job that was posted on XXXX  and was contacted on XXXX from a community member of my XXXX ( or what I thought was ) and accepted the job ( XXXX XXXX XXXX  ). The current balance of my bank account is {$1100.00}. Beginning on XX/XX/year>, I was provided checks of {$1000.00} and {$400.00}. At this current point, I sent {$400.00} to XXXX XXXX ( the merchant ), believing the checks were real. I then sent another payment to XXXX XXXX XXXX XXXX of {$500.00}. Again, believing the checks are real. On that night, the scammer 's account manager is sending money back to me to see the best option to receive the funds as soon as possible, rather than waiting for the checks to reach my account. I then sent XXXX through XXXX and got that money returned to me, and I direct deposited the money back to my bank account. We tried XXXX once more and i sent the XXXX to XXXX XXXX. I was then tasked to submit another payment of XXXX to XXXX XXXX and realized that all of this might be a scam. I added XXXX from my savings to my checking account. I called Bank of America to report fraud and got the XXXX returned to me as it never went through. I then filed a complaint of scam/fraud and was passed along many departments of Bank of America with no solution to my issue, and was promised to note our conversation. The XXXX appeared on my account, bringing my checking account to XXXX. I called XXXX more times on XX/XX/year>, because I woke up to XXXX emails stating they are going to be put on hold, and the XXXX that was reversed back disappeared. I called the bank and made a dispute and claim ( and was passed along different departments once more ). I was promised that there would be a fast-tracked application to receive the money back. My checking account remains at XXXX on XX/XX/year>, and I was sent an email stating that the deposited check balances of the XXXX {$500.00} checks show that {$0.00} is available. I checked my account, and my balance is still at XXXX. I called today ( XX/XX/XXXX ) to ask where the XXXX went and was ready to communicate what has been happening in my account. Before I started communicating the issue, I wondered if there had been any notes of my discussions at all. I was told that no notes were indicated on the bank. I asked the customer service lady to kindly put notes of my account so it is recorded. I understand that XXXX of the checks are fraudulent and I will never see that money. I just wanted to first understand where the XXXX that was reversed went. Secondly, I wanted to make a complaint about the false promises made by the bank representatives regarding making notes, disputes, or claims. I am not in the loop of the actions being taken in my account, and would like to understand what is happening.

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