Thanks. In short, BofA has taken funds from my account to cover their loss from my granddaughters account. They have chosen to not provide me with any proof why they can't, they refuse to give me any audio, video, paperwork, or otherwise to justify their taking it. The only excuse they provide is that my daughter was on both accounts and thus they are entitled to take the funds to recover their loss and reduce their risk. They said that they provided the funds to the criminal prior to the fake checks clearing because "they try to please the customer by making funds available as soon as possible when a check is deposited" (their words). They keep claiming they cannot provide me information because the claim is against my granddaughters account, which my daughter is on. When they were given permission to talk to me a reveal information, I asked pointed questions to determine their actions and steps taken in how they handled the matter. The person I was talking to began to get defensive when I determined that there were several instances where they failed to take appropriate steps to verify either the checks themselves or the verifications of the person(s) who called and made the changes to the account. The more I identified the failures procedurally, and as I did so she became defensive and said they could do what they did to recover their loss. If I wanted any proof I would have to file a subpoena
to get the information. I advised her that it was her responsibility to provide the proof to me to justify their actions, we had already provided our documentation that we did not have any part in any of the actions that the criminal took to steal the funds from the account using the flaws in the BofA banking procedures
I could continue fighting them by myself, but my real question is, what would be the best course to proceed? I can file a second certified letter to the Vice President of Retail Banking of BofA, would that be the best thing to do? Or Using www.helpwithmybank.com and filing a claim? Hiring an attorney to file the claim for me and working the case? Can a Wisconsin attorney file a lawsuit here rather than in GA, considering I live here? (Identifying which action would be a best suggestion would be fine.)
Sorry for so many questions . . . but this is a tough one for me. If it is beyond the scope of this site, just let me know.