On 9/29 I went to the Bank of America branch on Providence Rd.in Charlotte, NC to deposit my husband's long awaited unemployment money. The money had come in the form of a NC eppicard/debit card. My husband and I share a checking account at BofA.in order to use the card to pay bills we needed to get the money on the card into our accounts. The teller asked for my ID and BofA debit card. She had me call the eppicard to find out the exact balance; which I did in front of her. She took the eppicard and left the counter; no details were given as to how she was going to deposit the money from the eppicard. She returned a few minutes later and handed me a receipt. Before I stepped away she stopped and said she had just noticed that the name on the eppicard wasn't mine. I confirmed it was my husband's and that I was depositing it into our joint account. She then told me she had not yet deposited the money but had done a cash advance for the full balance instead. She then became very belligerent. She took the receipt she had given me back and left the counter again. After quite a while I saw her at another counter. I approached her to find out what was going on and she said she was going to reverse the advance. I told her not to but to ask for the manager instead. While I was waiting I saw another woman approach her and the two of them huddled at another counter for a while. Afterwards they approached me, handed me the eppicard and said the whole transaction had been reversed and told me they would have nothing else to do with it.
It is now 10/4 and the balance on the eppicard is still zero. Both my husband and I have tried numerous avenues to get Bank of America to tell us what happened to our money but they refuse. They contend that now it's a problem between us and the eppicard.
My contention is that if they were not authorized to do a cash advance in the first place they should not have done it. This was their first error. They tried to make the error disappear by reversing the transaction and washing their hands of the whole thing. However, the money has not been returned to the eppicard. The last transaction shown on the eppicard was the cash advance. Where is the money? Since they were the last people who held the money it was their responsibility to make sure they gave it back. Bottom line, we are out our money and the last people to have it just won't cooperate in any way to find out what happened to it. Any suggestions?
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