Checking or savings account -- Managing an account -- Complaint #18448512
Complaint Overview
Complaint ID: 18448512
Company: Bank Of America, National Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Funds not handled or disbursed as instructed
State: South Carolina
ZIP Code: 29169
Date Received: 2026-01-03T12:00:00-05:00
Date Sent to Company: 2026-01-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Federal taxes filed using XXXX XXXX XXXX XXXX When I sent them my information in missed a digit in my account number with XXXX where the XXXX direct deposit was to be made. Instead of returning payment to the IRS is was sent back to XXXX who issued a cashier 's check through XXXX XXXX XXXX in the amount of {$370000.00}. I received this cashier 's check on XX/XX/XXXX It was originally taken to XXXX XXXX and deposited into my checking account there. The envelope was opened and cashier 's check signed in front of the teller XXXX. I verified the deposit on the pin pad The XXXX comes out and ask if he got the check verified as you will see the writing on the front of the check he did The check was taken from him and I was taken into the XXXX office where she and another XXXX bank employee talked to me about my birthday being that day and my plans. Which I had to show proof to them on my phone that I actually had concert tickets in XXXX XXXX that night birth of grandchild changed my plans. At that point my tax refund became a romance scam that they had seen countless times before. Over an hour later my cashier 's check and I were allowed to leave and I drove down the street to Bank of America where I had another checking and a small business checking I deposited cashier 's check and was told because of the amount there would be a hold I received a letter from BOA on / XX/XX/XXXX that they had closed my account Since XX/XX/XXXX I have made numerous calls to client protection and the fraud department have been to the branch where they did what they could to help but received no answers themselves.
Frequently Asked Questions
What is Complaint #18448512 about?
Complaint #18448512 was filed against Bank Of America, National Association regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2026-01-03T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Bank Of America, National Association?
Yes, visit the Bank Of America, National Association company profile at readthecomplaint.com/company/bank-of-america-national-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.