Consumer complaint received 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
C : CFPB all letters merged to resent XXXX ID # XXXXXXXX first submit XXXX ID # XXXX second submit XXXX I am really sorry for the third submit, but after I submitted the second update on this case. I needed to added the previous information. Because you said it would cancelled out the other complaints. So Sorry I have an existing claim I need to update and make changes to the monies I got scammed out of. I want to make this more clear about the amounts and what transpired. 

XXXX XXXX XXXX I was selling a heater for {$250.00} I was scammed out of {$1600.00} XXXX that totaled Money order XXXX Money order XXXX Over night delivery XXXX USPS search money orders XXXX XXXX XXXX XXXX I deposited the cashier check from scammer XXXX Bank of America said the cashier check cleared. I verified this with 2 people that the check cleared, Before I withdrew {$1600.00} to get a money order to pay the other scammer. That was suppose to be the mover. Bank of America should have never said the check cleared. When actually they put there money into my account to cover the check. The check never legally cleared. They should have said " no '' it did not clear. I found out after the scammer XXXX XXXX took back the check. I went to the bank and they told me XXXX it was there money that covered the check. They are enabling these scammers. The scammers know the system. 

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX told me to mail it to the person that was moving him. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Tracking number for money order USPS XXXX fI want my money refunded to me, Bank of America refuses to give me a refund. I deposited a cashiers check into my checking account, for {$1800.00}. Bank of America told me the check cleared. I withdrew {$1600.00} from my account, gave that money back to the scammers in a money order. Four days later Bank of America took the money for the cashier check back out of my checking account. They should never had told me the check cleared. 
I verified this check cleared with a person on the phone ( the main phone number of the bank ) also before I took the money out of the bank. I asked the teller did this check clear yet? He said yes. I would have never have withdrew {$1600.00} from my account to pay the scammer. If I knew the check did not clear. 
I asked the bank why did you take the money out of my account? They said the bank ( XXXX XXXX  ) that the scammer used took the money back. We do not know why? I said you told me the check cleared. 
I always thought a cashiers check was just like cash. 
I sold a heater on XXXX XXXX XXXX, for {$250.00}. I deposited the check for {$1800.00}. Because the scammer said give the rest of the money give to the movers when they come to pick up the heater. The mover wanted the money ASP. ( I am giving to a brief description of why I had {$1800.00} check. ) XXXX I posted a heater for sale on XXXX XXXX. 
XXXX I deposited the cashiers check for $ XXXX, from the scammer XXXX XXXX into Bank of America , my checking account. 
XXXX I called XXXX to verify the check was cleared. And I asked the teller if the check has cleared they both said yes. I withdrew {$1600.00} to get a money order to pay the scammer mover. They never said the check would take 7 to 10 days to clear. They said it cleared. XXXX XXXX I went to the USPS post office to make a stop payment on the money order. I sent the scammers. ( Im an XXXX  ). They said they cant cancel money orders. I paid {$20.00} for each money order to be investigated. It takes 30 days for a answer. 
XXXX Bank of America returned the check to the bank XXXX XXXX. 
XXXX I also went to the bank and spoke to a lady ( name might have been XXXX XXXX. I said I want to talk to the fraud dept. because she said there is nothing she can do. She calls the fraud dept. Which is the main number. They put her on hold and said there was up to a 35 minute wait. I said I am not waiting 35 minutes. I just did that before I came here. 
XXXX Spoke to XXXX from the fraud dept. She said she is doing it as a scam alert. She did not give me any case number. She said do not contact these people. 
XXXX Appointment with XXXX he said Bank Of America put their money into my account not the money from the cashier check. Im thinking the money came from the check. He said the money was not from the cashier check. The bank put there money into my account. ( They told me it was from the check. When I withdrew the {$1600.00}. To give to the scammer. I would never, every have have taken {$1600.00} out of the bank if I knew it was the banks money and not from the check. I said you cant do something to refund my money. He said no he said he would call the fraud dept. He did, the 1-800 number. Same thing the recording said you have a 35 to 45 minute wait. I said you cant call them direct. We were at the end of the meeting. I waiting 10 minutes and left. 
XXXX Bank said they have no papers for me to fill out. There is nothing they can do. 
XXXX XXXX  from the bank called me she said the cant file fraud because I was the one that put the check in the bank. 
Now I find out Bank Of America is not FDIC insured. After I did research with all the complaint I am putting in, asking for help in getting my money back. 
The bank knows how these scammers work. Why did they put their money {$1800.00} into the my account and tell me it was from the cashiers check from XXXX XXXX ( the scammer ). I blame this on the bank. I feel they are responsible for this major problem. They made me think the money was from the check not them. Why did they do this? This whole thing is a night mare to me and I look like a total XXXX. Bank of America caused this fraud. No wonder there is so much scams going on. The bank is working with the scammers. They never said that was there money they said the check he deposited cleared. They are in the wrong. 
I am in the process of taking all of my money out of Bank of America and going to a bank that is insured. 
XXXX I texted the scammers and said I want my money. I got no response. I called there phones and they cut off the voice message. I can only text. 
I posted my XXXX XXXX back. I am hoping XXXX XXXX  or the IC3 Internet crime Complaint Center can figure out anything. I dont see any emails from them. So that is another mistake I made. 
I have all the text message, money order, if you need them. XXXX Bank of America XXXX XXXX XXXX XXXX, XXXX Ohio XXXX, XXXX. 
R I got scammed for {$3400.00} on XXXX XXXX Please Help? 
I am reporting Banks fraud internet fraud. 
I got defrauded on 1 cashiers check and 2 money orders. 
I posted a XXXX XXXX XXXX heater for sale for {$250.00}. On XXXX  The scammer named XXXX XXXX sent me a cashier check for {$1800.00}. I was to take out {$220.00} for the XXXX heater with accessories. Send a money order to XXXX XXXX XXXX. That was the movers supposed to be the mover. 
When I cashed the cashiers check from XXXX XXXX XXXX XXXX  at my bank, Bank of America. I double checked with the bank teller and the person on Bank of America phone. They verified the cashier check cleared. So I sent 2 money orders to XXXX XXXX XXXX. XXXX for {$570.00} and another for {$1000.00}. Total of {$1600.00}. 
I did not know that a cashiers check could be cancelled after the bank said it cleared. What XXXX XXXX did was cancelled the cashiers check. I would have never had sent the money orders if I knew XXXX could cancel the cashiers check. I am out XXXX plus what I paid the post office. {$100.00} for the money order and trying to get my money back for the money orders. 
The cashier check came from a bank called XXXX XXXX XXXX, with XXXX name on it. The number on the check for tracking is XXXX. XXXX XXXX address is XXXX XXXX XXXX, XXXX Ohio XXXX. He is the one that sent me the cashiers check for {$1800.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, PA XXXX is the one that received the 2 money orders I sent her. I put XXXX XXXX on the money order not mine. Because he was supposed to be paying the mover for him. Like an XXXX I wrote the 2 money orders out to XXXX XXXX XXXX total amount of {$1600.00}. With his name as sender. After she received the money orders. XXXX XXXX XXXX canceled the cashiers check for {$1800.00}. I thought the idea of a cashiers check meant it was like getting cash. Everything was good. I never knew they could cancel the check after the bank cleared the check. 
Can you help me track these 2 people and get my money back. tracking these 2 people. Please help me. I got scammed. I put in a tracker at the Post Office * they said there is not much they can do. If the money order was cashed. I was trying to make a stop payment. I reported this to Bank Of America. And to the Bank that cancelled the cashiers check. That bank name was XXXX XXXX XXXX. They said there is nothing they can do. I thought a cashier check was XXXX XXXX. The bank said it cleared. I never knew they could cancel it days later. 
XXXX XXXX. I put the post back up hoping you can track him the internet. POST ID on XXXX XXXX ID XXXX. Under general sale, heater XXXX XXXX I also put in for a money order inquiry at the post office for the money orders that totaled {$1500.00}. Is there any way I can get my money back? 
Through insurance for the {$1800.00} that XXXX XXXX cancelled the cashiers check form your bank XXXX XXXX  from my bank account in Bank of America. 

My phone number is XXXX. I need to recover all my money. That was my retire money. My email XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Ohio / XXXX. 

Sorry for so many submits.

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