Bank of America Complaint - theft on a ATM deposit
RIVERSIDE, CALIFORNIA -- On May 19, 2005, I deposited $4630.00 Cash late at night in the ATM machine outside our local branch. (Stupid thing to do!) I also deposited that same night two checks each worth $1000.00. Total deposit that day was $6630.00. The next day I went on bank online around 6 p.m. to pay some bills, thinking I had my money in the account posted already. Online said that I had only deposited $2430.00 total the day before. Which infact I deposited $6630.00. I right away called the 800# to find out what was going on. I figured I could reach someone there because customer service closes a little later. Any how the rep said that they deducted $2200.00 from what I keyed into the ATM machine. She said I only had $2430.00 in cash that I depostied not $4630.00. I went crazy! (Can someone please tell me how someone can miscount a large amount like that?) I told her that I knew for a fact how much I had in that envelope. My husband and I own our own business and every night when we close we count the money and enter the amount in our ledger. We recounted the money in the car so I can write on the envelope how much I had in cash that I was going to deposit. My husband was there when I did that. That night we went to the bank to deposit because I had some bills to pay. I also asked her about the two checks why they weren\'t showing that I had deposited checks also. I did inform her that it was two different transactions. She did not show no checks. She transfered me to the dispute department. I told the dispute department what was going on. They entered a claim in for the checks. And they entered a claim for the $2200.00 that was missing from my account. The rep said that they will be mailing me a form that I have to sign and fax back. I never received a form. The next business day I went online again to see if any chances were made. It posted that they found my checks. I called the dispute department to ask about the cash dispute not about the checks. I did tell them that they found the checks. But for some reason they re-entered the claim again for the checks and the cash. I don\'t know why when I was just calling to get status only. Keep in mind every time they enter a claim they give you a temp credit until claim is resolved. I knew about the first credit when I entered the claim the first time but, the second time I did not know. I told them that I had too much they over credited us on these claims. A day later they sent me two letters, one was for the cash dispute and it said: \"After carefully investigating this claim I came to the conclusion that they\'re is no bank errors, and your account will be deducted $2200.00 that was credited to your account!\" and on the checks dispute, (which I don\'t know why they\'re was a dispute out there for it in the first place.) it said: \"After investigating this claim carefully, I came to the conclusion that we over credited you for these checks and we will be deducting $4000.00 from your bank account.) How in the world can they figure that they had a conclusion in less then a day, because I received the letter two days after entering the claim the first time and the date on the top of the letter had the same date I spoke to them. It takes awhile, a day or two to get the mail. Keep in mind they credited us twice for these checks but in the same time they really did not put the actual $2000.00 from the checks. So, basiclly they were going to take the $4000.00 that they were over crediting us on. (I understand!) I don\'t understand were is my actual $2000.00 from the checks? I called once again. (2 hours again!) They finally realized what was going on and credited me my $2000.00. That was fine and all but where is my other $2200.00 cash that I actually deposited. They ended up deducting that from my account. I called and asked them what was going on. I spoke to a Ray in dispute department last and he informed me that they\'re is nothing he can do anymore because they entered the claim already and dispute department closed the case. I was transfered to a manager, which did not want to help me at all, she told me that I have to write a letter to National Debit Card and explain my story. I faxed them four days ago and I still have not heard a response. I have no other choice but to take this to court. I will no longer deposit cash in the ATM again. I will be closing this account. Bank of America is the worse bank ever. I had a account with Washington Mutual and I never had this problem before. I will be returning to them. $2200.00 is alot of money to just let it go. We work hard for our money and meanwhile B of A just keeps taking money out from our account for NSF fees because now we are overdrawn $3000.00. We don\'t know what to do. We do not recommend Bank of America to anyone. They reputation has gone down alot for stupid things like this. We feel strongly that one of them must have taken the money and pocketing it. How else do we explain an explaination like this.
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