Checking or savings account -- Managing an account -- Complaint #19182720
Bank of America Customer Locked Out of Checking Account
Complaint Overview
Complaint ID: 19182720
Company: Bank Of America, National Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem accessing account
State: North Carolina
ZIP Code: 28785
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-02T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
Difficulty accessing a checking account can lead to financial hardship and distress for the consumer, especially if it prevents them from making essential transactions or accessing their funds.
Consumer Sentiment: negative
Topics: Checking or savings account, Checking account, Managing an account, Problem accessing account
AI Analysis
CFPB complaint 19182720 was filed against BANK OF AMERICA, NATIONAL ASSOCIATION regarding Checking or savings account (Checking account), specifically about "Managing an account". A consumer is experiencing problems accessing their checking account with Bank of America, National Association, in North Carolina, and the issue is currently in progress. The complaint was received on January 31, 2026 from North Carolina. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Contact Bank of America's customer service immediately to report the access issue and follow their provided steps for resolution.
Legal Context & Consumer Protection Laws
Consumers have the right to access and manage their bank accounts without undue obstruction.
Regulatory Insight
Financial institutions must have robust systems in place to ensure customers can access their accounts, and delays or failures in this can trigger regulatory scrutiny.
Resolution Likelihood
likely
State-Specific Consumer Protections
In North Carolina, consumers are protected by state banking regulations that may offer additional recourse for account access issues.
Industry Comparison
Account access problems are a common complaint across the banking industry, often stemming from technical glitches, security measures, or administrative errors.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19182720 about?
CFPB complaint 19182720 involves Checking or savings account (Checking account). The consumer reported an issue with "Managing an account", specifically "Problem accessing account". This complaint was filed against BANK OF AMERICA, NATIONAL ASSOCIATION on January 31, 2026.
Which company is complaint 19182720 filed against?
Complaint 19182720 was filed against BANK OF AMERICA, NATIONAL ASSOCIATION. You can view all complaints against this company on their profile page at /company/bank-of-america-national-association.
What was the company's response to complaint 19182720?
BANK OF AMERICA, NATIONAL ASSOCIATION responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 19182720 filed?
Complaint 19182720 was received by the CFPB on January 31, 2026. It was sent to BANK OF AMERICA, NATIONAL ASSOCIATION on February 2, 2026.
What state was complaint 19182720 filed from?
Complaint 19182720 was filed from North Carolina. You can view all complaints from this state at /state/NC.
Was the consumer satisfied with the resolution of complaint 19182720?
Dispute information is not available for complaint 19182720.
What product category is complaint 19182720 about?
Complaint 19182720 is categorized under "Checking or savings account", specifically "Checking account". This is one of the product categories tracked by the CFPB.
How was complaint 19182720 submitted?
Complaint 19182720 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 19182720?
Consumers have the right to access and manage their bank accounts without undue obstruction. This relates to a Checking or savings account complaint against BANK OF AMERICA, NATIONAL ASSOCIATION involving "Managing an account".
How likely is complaint 19182720 to be resolved?
Resolution likelihood: likely. The company's current response is "In progress". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19182720?
This complaint is rated as medium risk. Difficulty accessing a checking account can lead to financial hardship and distress for the consumer, especially if it prevents them from making essential transactions or accessing their funds.
What regulatory actions apply to complaint 19182720?
Financial institutions must have robust systems in place to ensure customers can access their accounts, and delays or failures in this can trigger regulatory scrutiny. The CFPB tracks complaints like this one to identify patterns of misconduct across the Checking or savings account industry.
What should the consumer do about complaint 19182720?
Contact Bank of America's customer service immediately to report the access issue and follow their provided steps for resolution.
Are there state-specific protections for complaint 19182720?
In North Carolina, consumers are protected by state banking regulations that may offer additional recourse for account access issues. This complaint was filed from North Carolina.
How does complaint 19182720 compare to industry norms?
Account access problems are a common complaint across the banking industry, often stemming from technical glitches, security measures, or administrative errors.
What are the typical reasons for a bank account access issue?
Common reasons include forgotten passwords, locked accounts due to suspicious activity, technical system outages, or issues with multi-factor authentication.
What steps should a consumer take if they cannot access their account?
First, try standard troubleshooting like resetting the password. If that fails, contact the bank's customer support directly via phone or secure message to report the problem and seek assistance.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.