Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Just after the covid -epidemic XXXX  XXXX  stopped and everything was going back to normal due to covid i lost my job and i was looking for employment and was desperate to find a job cause of rent and bills and i started looking a online for jobs when i came across the advertisements saying that payments for advertising XXXX XXXX XXXX on your vehicle, and ive noticed people driving with small billboards advertising on the vehicles, so i clicked into the link and strated to read everything and all the terms and conditions which seemed legit. A statement on the website said once the XXXX check arrives with amount of {$4600.00}, the amount of XXXX will need to be handed to the decal company oncee their done decal my vehicle and i will keep the {$1600.00} and a next installment of payments will then be every which i will receive {$1000.00} dollars check for advertising or the next 6 momths, i then contact was contacted by a afent XXXX XXXX that confrimed everything a few days later after me filling out the application, they confirmed that the check will be their in a week or two and everything needs to be done in detail they even have me a number to contact them if i have any inquires, which i actually did a week later i contacted them again over the phone, they confirmed that the check had been sent and should be with me in a few days and that i should deposit into my account immediately cause once it cleared the decal company will be notified to come to my home and decal my car, this is contact number i was speaking to the agent from XXXX XXXX XXXX. 

Name ] XXXX XXXX XXXX  [ Mobile ] XXXX XXXX The check arrived and i got handed to me from a delivery person and i had to sign for it it was in a special secured envelope when i looked at the check it look like every other cheque ive seen, cash or recieved with numbers stamps name everything plus i thought they gave me they contact number ive rang them spoke to them discussed everything while waiting for the cheque to arrive in a few days before dont know much about fraud check but this was every other check ive deposited or received so i went that night and deposited into my account through the atm now everything seem legit the atm even accepted it gave me statement of deposit and everything said it would be cleared by this date when the date was coming near for the check to be cleared my account was frozen and i couldnt get any money out so i immediately contact the bank and spoke to them i asked them what was the reason for it to be frozen was is it because of the check i deposited, the way agent spoke to me was i guilty already and that i either printed the check, i was involved in this scamm or knew it was fake which was so ridiculous, then the agents Proceeded to tell me my account is being closed and immediately continued to say that i couldnt open another account with them or any other bank for so many years, in desperation i tried to explain the situation and pleaded and said i had no idea but the agent without even letting say my story bluntly cut me off said the decision was made and that the money in my bank would be sent as a check to my home .I was in complete shock. Please do me a favor if you check on your records with my name i have never ever cashed a fake cheque been done for any fraudulent things or anything i have a complete clean record never ever had any incidents like this with any bank my whole life, from the time i had this happen i thought their was nothing really i could do in that time found employment in which lol i was getting cashed cheques which i was going to the cash checking stores and getting cash. Not so long ago told a friend about it and they advise me that i could actually fight against it and make a complaint it told him i dont have money for a lawyer and he said to look up online about situation like this and their a gov website that i can make a complaint to for these situations and injustice without even getting asked any question about the incident or even letting me explain my side its not like the cheque was cleared and i took money out and now i owed the bank money, nothing just a black list against my name so i would like ask for your help to help me resolve this issue i will assist you with any further details you need my full name my contact number email have been submitted.

Company Contact Number of the fraudulent cheque came from was : XXXX XXXX XXXX XXXXXXXX XXXX 
Name ] XXXX XXXX XXXX  Contact Number [ Mobile ] XXXX XXXX Name of the bank i had my account with was : Bank of America XXXX XXXX California The date of the cheque i deposit into the atm was : XX/XX/year> a sum of {$4600.00} I thank you kindly for taking the time to read this statemant in which i gave said is completely true in word of God and Law that i had no idea and im pleading for your help to clear my name so i bank and do normal things like everyone else with a bank card its been such a inconvenience in my life for one stupid mistake which ive learnt and punished long enough for by not having a bank account with any bank If i can assist you in any way please dont hesitate to contact me directly or email me. Thank you Kind regards 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 non-monetary relief