In XXXX of 2012, a fraudulent check was dispersed into my account. I was unaware and have no idea who put the check inside my account as I had my pin number written in a few places in order to remember it. I did not immediately report the transaction because it was around the time my father was going to pay my rent six months in advance. I removed the funds and paid for my rent. After finding out it was a fraudulent check I returned the money to Bank of America but not before they reported me to XXXX and closed my checking account. Because I had a checking account through the institution I attended, I was not particularly worried about not having an account with Bank of America. However, I have since attempted to open a checking account with a myriad of different banks and credit unions to no avail. It is highly upsetting when a mere misunderstanding that has been remedied over three years ago still seems to hinder me from financial freedom. 
