I opened an account with Bank of America in april of last year, I was expected to start a job, and the employer stated that it would be in my best interest to have direct deposit. So I opened an account with BOA. But the job had some cut backs so I never started, and never put any money into the . Anyhow I lost my wallet, which had my drivers license, ss# and my debit card. But my biggest worry was finding my drivers license, and ss card, since I had no money in the account I didnt feel the need to call and report it(bad idea) My wallet was returned to me in about a week and a half, and everything was still in it. On February 16th about $1,600 was put into my account, keep in mind Im a 22 year old college student, working at wal-mart making only $600 every 2 weeks. so having a lump sum of such an amount deposited at once should have thrown up a red flag to BOA, but it didnt. So on the 18th I was just doing a normal checking up on my balance, so I called the 1800 # and it told me I was a negative $200, I thought that something is wrong and maybe its due to the 16th being a holiday so maybe they haven't straightened out everything in the automated system. So I called to speak to someone in person and thats when they said" Ma'am your account in being closed out due to fraudulent activitiy you need to go to your nearest BOA branch" So thats exactly what I did but when I got there the lady told me that $1,600 was put into my accoutn and $500 of that was cleared and spent and it what happened was someone deposited a fake check from chase bank into my account but in the end basically the lady to me I would have to contact BOA fruad department and speak with them. So I went home, and did just that. But talking to them over a 2-3 wk span got me no where all they did was just made me repeat what happened over and over again. I kept disputing it for about 2 months. BOA did send me a check for about $200 then turned around and stated I owe them $500. I didnt understand how that was possible. I thought because I had fraud protection that if something like a $1,600 transfer of funds was made that I would be notified about it but BOA never told me anything until I called to check my account balance, and thats when I was told. But now im in the "Check system" which doesn't allow me to open an account with any other bank Im doomed can someone please help me what should I do

Tiffany

Chicago, Illinois

U.S.A.

Click Here to read other Ripoff Reports on Bank Of America

11 Updates & Rebuttals

Karl

Highlands Ranch,
Colorado,
U.S.A.

Without FRAUD, CORRUPTION, DECEPTION, MANIPULATION, GREED, LIES, TRICKERY......

#2Consumer Comment

Tue, June 23, 2009

& the CONSTANT PURSUIT TO FINANCIALLY INJURE THE INNOCENT PEOPLE of the USA, the U.S. economy would come to a SCREECHING HALT. WITH fraud, corruption, deception, manipulation, greed, lies, trickery, & the constant pursuit to financially injure the innocent people of the USA, the U.S. economy WILL EVENTUALLY come to a screeching halt. GUESS WHAT? We're coming to a SCREECHING HALT, aren't we? WELCOME TO AMERICA- IN FRAUD WE TRUST! Don't forget to 'Google' & watch the following on the web- INSIDE THE MELTDOWN THE OBAMA DECEPTION AMERICA: FREEDOM TO FASCISM 9/11 PRESS FOR TRUTH Thank you!

Karl

Highlands Ranch,
Colorado,
U.S.A.

Without FRAUD, CORRUPTION, DECEPTION, MANIPULATION, GREED, LIES, TRICKERY......

#3Consumer Comment

Tue, June 23, 2009

Karl

Highlands Ranch,
Colorado,
U.S.A.

Without FRAUD, CORRUPTION, DECEPTION, MANIPULATION, GREED, LIES, TRICKERY......

#4Consumer Comment

Tue, June 23, 2009

Karl

Highlands Ranch,
Colorado,
U.S.A.

Without FRAUD, CORRUPTION, DECEPTION, MANIPULATION, GREED, LIES, TRICKERY......

#5Consumer Comment

Tue, June 23, 2009

Edward

Dallas,
Texas,
U.S.A.

Follow The Paper Trail

#6Consumer Suggestion

Sat, June 20, 2009

In this day and age with technology, there's always a paper trail. Bank of America has already given you one clue with the fake check deposited at Chase and then transferred to your account. One question is exactly how was the 'transfer' made from the Chase account at a Chase branch to your BofA account? Since BofA is the holder of your account, CERTAINLY they should be able to tell you exactly how the transfer was made or possibly the Chase account # of where it came from. Then you should be able to use that detailed information to back track to the Chase branch for further answers of how this happened and made by whom, using the Chase account #. I understand the wallet was lost, and not stolen, but it would have been better if you had filed a police report earlier in the process. This would have made it much easier to get access to any surveillance footage from the chase branch where the fake check was made. You are certainly correct, that you would EXPECT more fraud protection or assistance from Bank of America. Whenever there doesn't appear to be any cooperation, this sometimes wreaks of employee involvement. Just a thought.

Karl

Highlands Ranch,
Colorado,
U.S.A.

FRAUD, CORRUPTION, DECEPTION, MANIPULATION,....

#7Consumer Comment

Sat, June 20, 2009

GREED, TRICKERY, LIES, & the CONSTANT PURSUIT TO FINANCIALLY INJURE THE INNOCENT PEOPLE of the USA are the FOUNDATION of BUSINESS IN AMERICA. WELCOME TO AMERICA- IN FRAUD WE TRUST!

Tiffany

Chicago,
Illinois,
U.S.A.

Bank of America No fraud protection

#8Author of original report

Fri, June 19, 2009

The transfer was from a chase bank branch, and they never really told me or explained to me how it all transpired. Furthermore the day it happened was a holiday where bank branches were closed

Karl

Highlands Ranch,
Colorado,
U.S.A.

Urgent 'HANKY-PANKY' Alert!!! Please go to the MERRILL LYNCH page of this site and read...

#9Consumer Comment

Thu, June 18, 2009

St. Clair's recent Rip Off Report. It's entitled- 'PHH, MERRILL LYNCH, HSBC & TROTT'..... Merrill Lynch is owned by Bank of America, so we should keep abreast of all that's transpiring, wouldn't you agree? You might also want to keep in mind that the GOVERNMENT is a major stockholder in Bank of America & other banks, correct? So the GOVERNMENT should DO SOMETHING about what's going on, RIGHT?! And since the GOVERNMENT is supposed to serve the PEOPLE, then the government wouldn't be doing its job if it DIDN'T DO SOMETHING, correct? Maybe the GOVERNMENT will help to get Jim his $100,000 CD that he took out with Wells Fargo in 1997 that was for his GRANDCHILDREN's college education, huh? Jim's Rip Off Report is at the WELLS FARGO page of this site. Please read it if you haven't done so. Don't forget to 'Google' & watch all of the following on the web- THE OBAMA DECEPTION INSIDE THE MELTDOWN AMERICA: FREEDOM TO FASCISM 9/11 PRESS FOR TRUTH BREAKING THE BANK PBS I'm Karl, and I approve this Update! 'Knowledge is POWER.' 'POWER is knowledge.' POWER TO THE PEOPLE

Striderq

Columbia,
South Carolina,
U.S.A.

Questions...

#10Consumer Comment

Thu, June 18, 2009

How was the deposit made? Was it through an ATM or was it through a branch? This information will help explain what happened and allow some advice as to what to do.

Striderq

Columbia,
South Carolina,
U.S.A.

Questions...

#11Consumer Comment

Thu, June 18, 2009

How was the deposit made? Was it through an ATM or was it through a branch? This information will help explain what happened and allow some advice as to what to do.

Striderq

Columbia,
South Carolina,
U.S.A.

Questions...

#12Consumer Comment

Thu, June 18, 2009

How was the deposit made? Was it through an ATM or was it through a branch? This information will help explain what happened and allow some advice as to what to do.

Reports & Rebuttal