Complaint / Review
Bank Of America
Ripoff misdirected atm deposit refused help

I deposited a payroll check in the ATM machine of my local B of A. A few days later, I noticed that I had not received credit for the deposit.

I then contacted the bank first by telephone. I explained the reason for my call and was placed on hold. Several minutes later, I was told that there was no record of any deposit made in my name. I was then told that the check was possibly pending clearance (double talk because they just said there was no record of any deposit) and that's why it wasn't credited.

This seemed odd because this had never happened before. About week and a half passed and still no credit for my deposit. I went to the branch and spoke to the manager, who still said there was no record of any deposit and stated that nothing further could be done.

Well, some of my bills were due and I didn't have a clue as to what to do. My payroll department couldn't place a stop payment on the check as they found out the check had been deposited but didn't know at the time who's account received the credit.

I contacted their main check center (I guess this is where everything goes through their system) and explained the problem. The person I talked to on the phone said that she sympathized with my problem but still could not find any proof of deposit.

I gave her the information my company had provided. I was then told that I would have to wait until the check came back to the company if in fact the payroll check was deposited. She further stated that I should borrow money from friends if I was short money. I told that I couldn't believe that she was serious. She then further reinterated that she has friends that would lend her money, why shouldn't I do the same. That was the only solution offered to me.

Well, as you might imagine, I was very upset and furious by now and even more after what I was told to do. A few weeks later, My company got the check back and low and behold, the check was in fact deposited into someone else's bank account (by their own error-misdirected to another account-numbers weren't even close). I took this information to the bank and was given credit immediately. I then closed my account and took my money from checking and savings in cash and left the bank.