[wonderwes]

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This morning I went to Bank of America

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This is where you went wrong.

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There's nothing wrong with BOA. Anytime I make a deposit, it always posts the next day, I have free checking, and its one of the better banks I have had.

Multiple times I had charges on my VISA/ATM card, I would send an email through their website, and every time they took the charges off with no hassle.

To reply to the original thread, you did the right thing. Put yourself in the person's shoes that lost that cash. They might be financially strapped too, and they might be kicking themselves for losing it.