Bank of America BOA Negligently Allows Fraudster to steal my money and then Purposefully Overdraws Account to prevent future fraud, Bounces my checks and Charges me Fees!!!!! Charlotte, North Carolina

$1,760.00 that a neighbor gave me for painting some rooms in his house. I took the check into a Wells Fargo branch, where his account was, and I told the teller that I wanted to cash it. The teller asked me if I had an account with Wells Fargo, and I said no. He then told me that I needed to give him two forms of ID. After I gave him my ID, he went to his supervisor and they went into a room in the back and closed the door.

I waited about 5 minutes while the door was closed, and they both came out and finally cashed the check, but I had to put my fingerprint on the check before they would give me the $1,760.00 in cash. My guess is that the person who cashed the $3,000.00 check probably had to do the same thing. Plus, there are cameras at all of these banks, right? The date and the time of the cash withdrawal should be available to the bank and they can see a picture of the person who cashed the check, correct?

Just have Bank of America do a little investigation and this should be easy to solve, wouldn't you agree? Fingerprints and a photo of the person cashing the check should be available to the Bank of America branch where the $3,000.00 check was cashed, right? If it isn't, then there might be something fishy going on, wouldn't you agree?

Good luck, and keep us posted.

Did you file a police report?? Although I can see a good case for some due diligence failure there are somethings that I know are not quite true. "As is customary, my wife's conversations with the bank employees were memorialized in BOA's computer system under our account."
 
"Shortly after the conversation ended, the branch manager checked our account and sure enough, the notes were no longer there. " Sorry it is just impossible for those notes to have been erased. Once the notes are typed and stored they cannot be removed or altered. They are saved in the system and would appear in the system backups as well as being saved in an area that cannot be altered.

"Certainly, BOA could have closed or frozen our account and even refused to pay the outstanding checks for security measures but they should be obligated to tell the payees the correct reason for it - that our account was compromised because of BOA's ineptitude."

They would  mark any checks "Refer to Maker". Any other notifications would be done between you and your bank. What's wrong with telling your customers that you were the victim of bank fraud. They would certainly not think you were trying to defraud them and you would certainly not have to fear being arrested for bouncing a check. Also, you should have had no problem getting the overdraft fees and/or bounced check charges reversed all along the line.

That is of course if you filed a police report. 

all of your local News stations and get your story to all of the Investigative Reporters at each T.V. station in your city. Maybe one of them will respond, and you can expose what happened on local T.V. so others are aware of what happened.

There is a chance that a bank employee took part in defrauding you out of the $3,000 because employees in the bank have access to customer's personal information, right? It is possible that a bank employee, or even multiple employees, could scam customers out of money that is in their accounts, correct?

Think about this: 1) A bank employee would have access to your account balance. 2) A bank employee would have access to copies of yours and your wife's drivers license. 3) A bank employee could also cash the check that was presented at the bank by someone with a fake drivers license, especially if that bank employee was involved in the scam. 4) A bank employee would have access to the signatures on file for the customers of that bank.

You mentioned in your Ripoff Report that the validity of the woman's identification was not scrutinized by BOA employees. A check being cashed at a bank for $3,000.00 is usually scrutinized by the teller, wouldn't you agree? The bank usually requires 'fingerprints' that are placed on the check by the person cashing that check, right?

***Make sure to contact all of your local News stations and maybe someone will expose what happened. It would also make the top people at the bank aware of what happened, so you can get your money and all of the overdrafts for every bad check.

'Google' the following articles and read them for more information about Bank of America. It appears that Bank of America has $17 Billion in 'secret life insurance policies' on its current & former employees. They were also named in some type of a drug/money laundering scheme.

Here are those articles you can 'Google'-

BANK OF AMERICA COMPLAINTS SECRET LIFE INSURANCE POLICIES
BANK EXECUTIVES PROFITING ON THE DEATH OF EMPLOYEES
BANK OF AMERICA WACHOVIA WELLS FARGO CAUGHT FUNDING MEXICAN DRUG CARTELS
A CREDIT CARD YOU WANT TO TOSS

P.S. You can also type in 411913 at this website and read Ripoff Report #411913, which is about the Texas law firm that's suing Bank of America and other banks regarding the secret life insurance policies, which are also referred to as BOLI's. (Bank Owned Life Insurance.)

Good luck to you & your wife!