Bank Of America ripped off by liars at the bank of america now I have to repay them when they told me funds wereavailable and collected? Jacksonville Florida

This is not the bank's fault. You fell for one of the classic scams out there in which some con man sends you a check, asks you to deposit the check, and then you wire money back to take care of taxes, fees, etc... The check they send you is almost impossible for Bank of America (or any bank out there) to discern its validity until they tell you it's no good. You can ask the company to send you another check - or better yet - ask them to wire you the money. My guess is that they will do neither.

Never let desperation get the better of your common sense. You may need to file for personal bankruptcy at this point based on your curent financial condition. I would speak to a BK attorney ASAP. Best of luck to you.

Charlie, I am sorry to read of all of the setbacks you have encountered. My best wishes for your health.

I am sorry to tell you that the people who sent you the check scammed you. It's a variation of the Nigerian scam. Look it up on your preferred search engine to learn more about it.

"do I have to pay this back? what are the legal ramifications to me?"

I'm afraid that you do have to pay this back. (I feel horrible writing this) As the owner of the account, the ultimate responsibility of your transactions falls to you. The bank will not allow itself to be left holding the bag.

As for legal ramifications, the bank will expect be paid back, as well as expecting any fees to be paid. There is the possibility that they will declare fraud. If the money isn't repaid, they will close the account and enter you into Chexsystems. The amount you owe will also go on your credit report.

I strongly advise you to talk to the bank and possibly a legal clinic. I can't promise what the bank will say, but if you explain the situation they may be willing to close the account and work with you on the fees.