<prompt> Human: First time Reddit Poster, I hope this is the appropriate subreddit.Seattle, WashingtonOn 75 of this year, I received two paychecks worth 800 from my restaurant which I deposited into my Bank of America account via mobile deposit.On 715 the 800 was reversed out of my account. I went to the bank to figure out what had happened and from their findings, at some point during the 10 days of my initial deposit, my checks had been stolen and physically deposited into their account, which was also a Bank of America account. The fraudster account was also closed shortly after.So at this point, Im confused as to how they are able to deposit checks with my signature and name written on them into their account. Im also confused as to why after my checks were cleared in my account, that it was able to be reversed.I filed a fraud claim with BoA, and after 3 months, received this Email. We have completed our research of the endorsement claim on your account.As a result of our research, we have determined that we are unable to pay your claim for the following reason:Pursuant to our Mobile Check Deposit Agreement, the payee agreed to be responsible for preventing a duplicate negotiation of the check they deposited using our mobile remote deposit application. The payee also agreed to retain the check for 14 calendar days from the date of the deposit acknowledgment, and thereafter to destroy any original check that they deposited with the mobile remote application. Due to the payees failure in safeguarding the item in accordance with the terms and conditions set forth in the Mobile Check Deposit Agreement, Bank of America is not responsible for paying the claimYes, obviously not keeping my checks in a more secure spot was my fault. Those checks were not destroyed after 14 days, because obviously they were stolen in around 10. They were taken out of my bag along with a few others items at my other job. A police report was filed. At this point I involve my employer whom signed my checks and the following email was sent to fraud claim.Hello xxx. Since the start of this case at the branch level this is how we see it... Mr xxxME, my staff member deposited his check via his phone. Both checks with his signature. Within 7 days the checks were stolen out of his bag. After the checks were stolen AND deposited through a Bank of America atm...BofA retracted his photo deposit and granted the funds to the fraudster. I think the bigger question is why did Bank of America allow a 2 checks where the name on the checks did not match the name on the account that it was deposited to? The way I see it is that Bank of America HAS A HUGE GLITCH IN THE SYSTEM. It IS CLEAR AS DAY That Bank of America retracted the funds and gave it to the fraudsters account. After the said fraudster received the funds the account was closed. If Bank of America and the system you use to safeguard YOUR customers were properly in place. Those checks SHOULD NEVER have been deposited into the fraudsters account I ask that you kindly review this case again and reconsider the resolution. Thank you He was a little brash lolWhich warranted this reply from the claims departmentGood Morning, I definitely understand your frustrations and I will try to address your concerns indicated below. Although the checks were cashed or deposited twice, our system recognized the check numbers had already cleared your account and prevented them from being debited a second time. As far as the payees account, if they reviewed the Mobile Check Deposit Agreement, it indicates that they should safeguard the check for 14 days and then destroy it to prevent it from being cashed or deposited a second time. I completely understand that the checks were stolen out of the payees bag; however, when he deposited the checks using his mobile phone, he may have wanted to keep it in a more secured place. Since the checks were not secured, the claim will remain unpaid. I strongly apologize for any inconvenience this may have caused.Thanks!I am confused with the first part of the final emailAlthough the checks were cashed or deposited twice, our system recognized the check numbers had already cleared your account and prevented them from being debited a second timeBut they were debited a second time.. into someone elses account..Obviously, with going through the claims department and receiving this email. Am I just shit out of luck? Is this something I can keep fighting?Thank you for your time.  <response>: Arent you supposed to write a big ole VOID on cheques after doing a mobile deposit? 