Checking or savings account -- Closing an account -- Complaint #7723500

Complaint Overview

Complaint ID: 7723500

Company: Bank Of America, National Association

Product: Checking or savings account

Sub-Product: Checking account

Issue: Closing an account

Sub-Issue: Company closed your account

ZIP Code: XXXXX

Date Received: 2023-10-18T12:00:00-05:00

Date Sent to Company: 2023-10-18T12:00:00-05:00

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

My name is XXXX XXXX, an account holder with Bank of America, domiciled at the XXXX XXXX branch. Sometime in XXXX, I opened an account at the said location and subsequently ran my account remotely from XXXX until XXXX when I was logged out and unable to access the funds in my account, thereby denying me access to over {$2000.00} I had in the account. I immediately contacted the Bank with a view to resolving whatever issues they had but I was confronted with not very cooperative individuals who claimed that I couldnt verify my identity and as such my account would be closed. While I dont have any issues with the account closure, my concern is the refusal of BOA to release the funds in my account which belong to me. About a month ago, after all efforts to access our funds failed, we reached out to a notable organization, Better business bureau ( XXXX ) to intervene and appeal to the Bank to engage me towards reaching an amicable resolution. To my utmost surprise, on XX/XX/XXXX, i received an email from a XXXX XXXX from the XXXX resolution department of BOA who acknowledged our inquiry and promised to address my concerns. She also left her direct phone number, asking me to call for any clarification. It is also very sad to note that XXXX after I received the email she has still not answered my calls, messages and emails on the subject. I reached out to BBB again complaining about the treatment I was getting from this particular individual and a few minutes later, the same XXXX XXXX responds to XXXX claiming that she was going to send a physical letter to my attorneys address to respond to my inquiry. I have attached the response from XXXX XXXX which to me seemed very ridiculous because I had asked her to copy my attorney in one of my unreplied emails to her. Instead of addressing the inquiry which she promised to, she chose to send a letter to DC to inform my attorney that he wasnt an " authorised signer. What I find extremely ridiculous was the time she spared to respond to a non authorised signer but has not engaged the account owner once, even after the account holder/owner had expressly requested via email that she copies his attorney on correspondences. I do not reside in the XXXX, so it made sense for me to have a physical address/ contact which would facilitate any vetting process. It will be pertinent to mention that I have a banking background and I shudder at the deliberate attempt by your XXXX XXXX to seize and inconvenience customers without any feedback. To further demonstrate my willingness to settle amicably, I would request an immediate replacement of the case officer on this particular account to someone more efficient to allow for a quick resolution of this impasse.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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