Checking or savings account -- Managing an account -- Complaint #6039556
Complaint Overview
Complaint ID: 6039556
Company: Bank Of America, National Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
State: California
ZIP Code: 902XX
Date Received: 2022-10-01T12:00:00-05:00
Date Sent to Company: 2022-10-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX at Bank of America are illegally and with malice providing false information on the payment status of my account to XXXX XXXX XXXX a utility service providing payment services for the XXXX XXXX XXXX XXXX where I own a vacation property. Bank of America is illegally holding ACH Deposits that should by law be deposited within 24-48 Hours for up to 6 Days in an attempt to cause valid payments to be bounced or late. False Data from Bank of America Transaction ID reference number Bank of America Transaction ID XXXX {$140.00} On : XXXX falsely reported the Merchant as NSF Bank of America Transaction ID XXXX {$40.00} On : XXXX falsely reported the Merchant as NSF Bank Complaint Ticket Number -, XXXX Bank of America Agent XXXX, Supervisor Customer Service Fax sent to Bank of America r Fax Number - XXXX XX/XX/2022 Bank of America is : XXXX ) Illegally holding ACH Insurance Annuity Deposits from XXXX XXXX XXXX ( XXXX ) for 5 or 6 Days that should legally be reflected in the account within 48 Hours 2 ) XXXX XXXX Nationalists working for the Bank are manually changing Deposit Dates in the Account to force the appearance of a " Negative '' Balance when there are in Fact XXXX of dollars available XXXX ) Sending False Data to companies like XXXX XXXX XXXX and even changing the dates of withdrawals on records to make it appear as though the withdrawal occurred 3 or 4 days earlier. This is illegal banking manipulation and a violation of ACH and FDIC guidelines for managing Credits and Debits. XXXX ) using illegal banking tactics and associations with other XXXX XXXX XXXX to attempt to ruin my financial standing and information because I am a XXXX The average deposits in the account exceed {$10000.00} USD. On : XXXX valid XXXX payments for {$40.00} and {$140.00} were falsely returned by Bank of America as NSF when the deposit from XXXX XXXX XXXX was made more than six days earlier on XX/XX/2022 ( XXXX ) and more than covered the debits. Despite knowing the account ending in XXXX had substantial funds to cover the utility debits Bank of America sent a False Notice of Insufficient funds to XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX who in turn took away my ability to pay using my Bank of America checking account or any checking account like other customers. This is illegal XXXX harassment of my Banking account and unfair and discriminatory treatment by XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX.
Frequently Asked Questions
What is Complaint #6039556 about?
Complaint #6039556 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 2022-10-01T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with explanation". The response was not 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.