Unfortunately customers get to run their mouths but banks and their employees have an obligation to keep these things private for the customers sake, so they just get to sit back and take it. You will never know how they lost their money if they LOST it all on their own. The burden of proof is always on the accuser, if they want their money they can't just stand by and wait for BOA to respond to them. Like it was said before if it is your money you need to be more active and make sure the right thing is done, you can rely on the bank to just magically put money in your account if you don't follow through.