Product: Checking or savings account

I am a small, minority owned business, who has been harmed by Bank Of America. Their blatant disregard for how their actions have harmed me, reek of blatant discrimination. 

XXXX XXXX XXXX XXXX initiated a wire to my business checking account. The incorrect Bank Of America routing was used. 

XXXX XXXX XXXX XXXX sent a letter of indemnity ( LOI ) to Bank Of America XXXX to retrieve the wire that was sent to the incorrect routing number. 

XXXX XXXX XXXX XXXX initiated a second wire to my business checking account, which was received without event. 

XXXX Bank Of America returned the original funds to XXXX XXXX XXXX . They received the funds without event. Case closed. 

XXXX ( 30 days later ) - Bank Of America places a fraud hold, in the amount of {$880000.00} on my business checking account. Bank Of America stated the hold was a result of XXXX XXXX XXXX  recalling the wire that was sent the previous month, as a result of Fraud. This caused multiple debit card transactions to be declined, my insurance premium was returned, unpaid, and I was unable to process my payroll. 

XXXX The hold was still on my account, despite my submission of multiple documents verifying the validity of the wire I received. I also had XXXX XXXX XXXX  speak directly to Bank Of America to clear up this error. Later that day, Bank Of America finally released the hold. 

XXXX I spoke to the Bank Of America branch manager, regarding this error, and all of the harm that it caused me, in addition to the fees that I was charged. In that conversation, I asked for an email or letter referencing the error, that I could present, in hopes of mitigating the damage that was done to my reputation. He said no problem. 

XXXX I sent an email request to my Bank Of America relationship manager, asking for refund of the fees that I incurred, in addition to the email/letter that I requested. 

XXXX I received a form letter from Bank Of America XXXX stating that the items were returned due to deposit holds. The letter further directed me to view their holds policy. 

XXXX I filed a formal complaint with the CFPB. Complaint # XXXX ( Copy attached ) XXXX Bank Of America submitted their official response. In that response, they state per your request, we also sent you a letter on XX/XX/XXXX .. ( Copy attached ) XXXX I made multiple calls to customer service, and to my relationship manager, in an effort to obtain a copy of the XX/XX/XXXX letter that I never received. 

XXXX I submitted my feedback/response to the CFPB, asking that a copy of the XX/XX/XXXX letter be sent to me, as it was never received. 


XXXX I filed a second complaint with the CFPB, requesting a copy of the XX/XX/XXXX letter that Bank Of America referenced in its official response to the CFPB. Complaint # XXXX. 

XXXX I filed a third complaint with the CFPB, as Bank Of America never responded to the previous complaint filed on XXXX. Complaint # XXXX. 

XXXX Bank Of America sent me a direct response, in which they concede the XX/XX/XXXX letter that they referenced in their official response to the CFPB, did not exist. 

XXXX I sent a direct email response to XXXXthe department that sent the XXXX letter to me. I sent a copy of the email to XXXX XXXX, XXXX, XXXX XXXX, President of Business Banking, and XXXX XXXX, President of Regional Banking. ( Copy attached ) XXXX I received a letter from Bank Of America XXXX via email, informing me that the letter I requested should be received by XX/XX/XXXX. ( XXXX attached ) XXXX I received a letter from Bank Of America XXXX via email. The letter completely contradicts all previous communications, misstates the issue, and contains multiple factual errors. Additionally, Bank Of America advised me to provide a copy of the letter, to any merchants, to address any inquires related to the incident, even though the letter contained sensitive private banking details. 

Here we are, fifteen months later, and I am still not in receipt of the simple letter of accountability. This is beyond offensive!