Consumer complaint received 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
*I have attached the police report I filed with XXXX Police DepartmentXXXX XXXX XXXX XXXX I was emailed a job offer I thought was from XXXXXXXX. I was emailed an official signing form and was told that I have to email clients asking for their contact information. I proceeded to email the clients I was told to email and asked for their contact information. I never received a response from the clients because I believe the email they told me to email was fake. I was then mailed fraudulent paychecks. I honestly did not realize it was a scam and thought it was a legitimate online job/gig the entire time because I legitimately spent considerable time writing polite emails requesting clients to do business with the company I thought was legitimate. I tried depositing the paycheck they mailed to me but it immediately flagged my Bank of America account and put me on the XXXX XXXXXXXX XXXX. My Bank of America account was then closed and I am unable to open any bank accounts at any branch anymore. I am in desperate need of a student loan and mortgage but I can not even open an account. I have been on the XXXX XXXXXXXX XXXX  for 6 months now and I am still unable to open an account. I had a XXXX credit score, 9 year account that I am unable to reopen. The fraudulent check decreased my consumer score report significantly. I believe the email scammers found my email address from my portfolio XXXX  or through social media due to me mistakenly putting my contact information public. I am urgently seeking to be put off the XXXX XXXX XXXX so I can deposit paystub checks from my employer XXXX XXXX XXXX ( which is a legitimate company I work for ). I unable to deposit my paystub currently and I am a XXXX XXXX XXXX at the XXXX XXXX XXXX. My Bank of America and XXXX XXXX accounts were closed due to this and I am unable to open a bank account with any physical branch. This is a very serious issue for me and I am finding it extremely difficult to survive without a legitimate bank account when applying for mortgages and student loans. I am only able to use XXXX and XXXX XXXX currently but I am unable to deposit any checks whatsoever. Please contact me XXXX XXXX as soon as possible because I am trying to resolve this matter as soon as possible. I have been on the XXXX for nearly 6 months now. the fraudulent email is XXXX I have a PDF of the entire email scam conversation and photos of the fraudulent paychecks. I also have one the of the physical pay checks. I filed a report with the XXXX Police Department. I contacted Bank of America but they told me to contact XXXX XXXX which has still not responded to my dispute after 6 months of trying to reach them. 
Fraud Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Seeking to reopen my Bank of America account and taking me off of the XXXX XXXX XXXX so I can go back to my clean record account status XXXX credit score. Also return my consumer report score from XXXX  to what it was originally ( It is now an extremely low score of XXXX ). I am desperately trying to apply for a mortgage and a student loan due to my living situation but I can not even open a bank account right now. I am hardworking premed student who wants to devote his life to saving lives like my Father who is an XXXX XXXX, I have medically volunteered in XXXX XX/XX/year> ( during War ) with XXXX XXXX XXXX in a XXXX XXXX XXXX helping XXXX XXXX with Basic Life Support.

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