Checking or savings account -- Managing an account -- Complaint #7029769
Complaint Overview
Complaint ID: 7029769
Company: Bank Of America, National Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Funds not handled or disbursed as instructed
State: New York
ZIP Code: 10463
Date Received: 2023-05-25T12:00:00-05:00
Date Sent to Company: 2023-05-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I wrote a check in the amount of {$760.00} dated XX/XX/XXXX to XXXX XXXX XXXX XXXX. The check was cashed on XX/XX/XXXX but XXXX said they never received the check. XXXX asked me for a copy of the check ( front and back ) so that they could investigate. My bank ( XXXX XXXX XXXX ) sent me an electronic copy of the front and back of the check but the back of the check was blank ( nor endorsed ). I also have my XXXX statement showing that the funds were withdrawn from my account. XXXX determined that they did not receive my payment so I still owed them {$760.00}. I ended up sending them a new check for the {$760.00}, otherwise they were going to cancel my policy. At the same time I reached out to XXXX to file a claim. All XXXX would tell me was that the check was cashed by Bank of America -- I believe in XXXX but Im not entirely sure. In order to recoup the funds from BOA, XXXX asked me to submit a Declaration of Unauthorized Endorsement or Altered Item, to be completed by myself and XXXX. This information was submitted to XXXX on XX/XX/XXXX. I received a letter dated XX/XX/XXXX from XXXX stating that the bank that accepted my check ( BOA ) is responsible for repayment and that they ( XXXX ) had initiated a claim on my behalf. I spoke with XXXX on Wednesday, XX/XX/XXXX about the status of my claim and they said they have reached out to BOA numerous times about this situation but have yet to receive a response. Its impossible to get through to anyone at BOA about this situation so XXXX suggested that I reach out to you for help.
Frequently Asked Questions
What is Complaint #7029769 about?
Complaint #7029769 was filed against Bank Of America, National Association regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2023-05-25T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Bank Of America, National Association?
Yes, visit the Bank Of America, National Association company profile at readthecomplaint.com/company/bank-of-america-national-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.