Checking or savings account -- Managing an account -- Complaint #5618768
Complaint Overview
Complaint ID: 5618768
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: Texas
ZIP Code: 770XX
Date Received: 2022-05-31T12:00:00-05:00
Date Sent to Company: 2022-05-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX opened account online because I have been banking with them since XXXX ( their words and printed in the debit card sent to me ). Deposited check electronically got confirmation and dates that funds would be available because it was a holiday weekend. Signed into online checking ( got the app and everything ) signed up for mobile alerts then no more access to online banking. In total over 5 hours already with them, have to call wait on hold then told to go to a bank to verify id? They never said this before why did i verify my email why did they let me have info about the account if id was not verified. They let me know all the details. Expressed my disapproval then 10 mins after getting off the phone i receive another email to the check amount deposited into what turns out a account they already closed then they extended the time for check to clear 13 or 14 days after email that said partial access to payment next day. Then when I do go to the bank { on my lunch break, 12 hour shift } the account is closed but they still deposited check and unfortunately they do not have anymore slots available today. Now I have to deal with the consequences of that I have limited funds I am poor on food stamps in school but barley making it right now. The email States that if I had written checks on the account or check return fees i am covered? What about my rent what about my expenses? XXXX would of cashed the check online ( its a check from chase with the whole page attached ) yet I have to wait and wish and hope no this is false advertising miss leading emails and poor conduct by a corp that should be ashamed of themselves because of their business practice. I am not going to cease till they learn their lesson so others do not fall prey to this disrespectful and criminal ( in my opinion ) of a corporation.
Frequently Asked Questions
What is Complaint #5618768 about?
Complaint #5618768 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 2022-05-31T12:00:00-05:00.
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.