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Funds not handled or disbursed as instructed. XXXX : Deposited an echeck into my Bank of America account. XXXX : Spoke on phone with a BOA rep who stated that the echeck had cleared. I specifically asked if I was safe to use the funds without fear that the echeck would be rejected by the issuing bank. Was informed that the funds had cleared and would not be reversed. I dispersed part of the funds at instruction of echeck issuer. Echeck issuer turned out to be a scammer. XXXX : the entire echeck amount was charged back to my BOA account - contrary to what I had been told by the BOA representative, I am now out the funds I dispersed ( via XXXX - per scammer 's instructions ). If BOA had given me the correct information instead of telling me funds were irrevocably in my account, I wou