<prompt> Human: This happened a year ago but it still hasnt been resolved. I should start by admitting that some of what happened is my fault. But right now I just need advice. Last year after I filed my taxes I opted for my tax return be direct deposited into my BOA account. I gave my correct account number but mistakenly provided my routing number for incoming wires instead of electronic routing number. Because of this error, my return was unable to be deposited to my account. After about waiting for a month for my return I contacted the comptroller of the state and was told that my return has already been sent to BOA. I contacted BOA but they said that they havent received any transfers and cant help me. I even put representatives from both institutions trying to figure out where my money was but was unable to find a solution. BOA told me that if I gave the incorrect routing information, the transfer would be denied and returned immediately. The state told me that no money was returned so they couldnt reissue me a check. The state helped me by giving me a trace number for the transfer but to no avail, BOA said they havent received it. A representative from the state told me that BOA routinely does this. He routinely deals with BOA not knowing the where about of certain funds. After about 6 months of this back and forth BOA is now saying that they cant help me anymore because their records in the wire department are deleted after three months. The money has not been returned to the state and tracer shows that it was deposited somewhere in BOA. I have talked to banking center managers,Ive talked to the bank MT of the comptroller who has provided me evidence showing that they have sent the money to BOA and it was never returned. I dont know what else to do? Can they just take my money like that? Please help me?UPDATE 1: I wanted to thank everyone for their helpful comments. I followed your advice and filed a complaint with CFPB. Today I was contacted by a representative of BOA Customer relations. He called to make sure that the state did not have the funds sent back to their account. We called the comptroller of the state together and confirmed that the money was not indeed returned to the states account. BOA representative thanked me for my detailed complaint and said he would look into it. I hope something good comes out of this. Ill keep you guys updated.  <response>: Call the local 5:00 news. Its amazing how quickly the situation will be resolved when the media area involved. 