Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
b'On XXXX XXXX, I got an email from XXXX XXXX that he was an agent and there is an art project available. He told me that cost for doing the Phase 1 & Phase 2 project is XXXX  and the organizers will pay upfront. He took my name, address, and contact no and told that the organizers will send me a cashier check of XXXX. I got cashier check on XXXX XXXX. On his insistence through text from the no. XXXX I went to Bank of America at XXXX Branch and deposited the check. The check got deposited and processed and I had XXXX was included in the available balance on XXXX XXXXXXXX XXXX XXXX told me that the organizers had informed him that check has been deposited from their side, money has been taken and put into my account (which I presumably saw). Then he told me that the program has got cancelled and they need their money fast. This happened on Friday, XXXX  and we had a grand surprise party in the evening. I hesitated, but he made me feel guilty of keeping the organizers\' money. I reluctantly agreed and sent money through XXXX for someone -- XXXX XXXX  He told me to send through friends and family route. I agreed as I wanted this to be over (as I was just returning the money). So I sent XXXX XXXX XXXX fees. He wanted me to send XXXX through money order from USPS through overnight XXXX, which I refused due to my health issues ( I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX) So he asked me to XXXX  to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX passed through but XXXX was declined. This all happened on XXXX  On XXXX when I look into my bank of america account, XXXX has been deducted due to insufficient funds. I called boa to report this and they told all this was my fault. I should have personally known the person who gave me the check and they believed in good faith that my check is genuine and cleared the check. Someone on Friday evening felt that the check was shady and removed the check. I should be thankful to BOA that they didn\'t deduct the transaction money. When I asked about the money being deposited as shown, they told I shouldn\'t believe that. If found fraudulent after a month, money will be deducted. It\'s my fault, I should do business with known person. I went in person to bank at preston road, but in vain. I called fraud center, and they told me to inform the law enforcement about it as it is scam, not their job. They can enter or deduct money when they want, I should be diligent. They could have blocked my debit card on Sat for XXXX transaction as scam, but they said NO. My questions to everyone is --1. I might know a person for 12 years, what\'s the guarantee he/she will not cheat me. 2. In this case, XXXX XXXX, and other online companies should individually know the people and their background to do business, because the individual can get goods  and later take money out. The banker told me that nothing can be done.. online banking is a scam.. we shouldn\'t do online business... he told his wife works at XXXX, and someone bought from XXXX XXXX before he even opened the cover. I never experienced such a thing with XXXX yet.. so no comments. I want to shut down my account with BOA, but before that I wanted to ask them, if I had withdrawn XXXX and rest of my money on XXXXand shut my account, then, what will they do? I am not in blame game... but kindly educate me on such procedures... when money can be deposited, made available, and removed any time (BOA\'s convenience) I know shutting down my account will not affect BOA as I don\'t make even in thousands. THANKS'

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