Consumer complaint received 2022-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I went into my local Bank of America ( XXXX XXXX  XXXX XXXX XXXX, CA XXXX ) on Thursday XX/XX/2022. I have four accounts with the bank, but I have been having problems with them. Therefore, I wanted to close two of those accounts. I was referred to XXXX. First, her customer service was deplorable. But she closed three of the accounts I had with the bank even though I made it clear that I only wanted two accounts closed. When we moved the transaction to the counter I recognized that she had closed one too many accounts. To rectify the issue, she rang a bell to have someone assist her. She asked if she closed an account could it be reopened. I did not hear the response of the woman who was assisting her. XXXX responded by saying that my funds we be deposited into my main checking account - an account that she closed. ( I would like to point out that if she had shown some interest in me as a customer and spoken with me she would have avoided closing an account that I did not want her to close. This is why customer service is so very important. ) When I got home I noticed that the account that she deposited the money in was closed. I had a slip that informed me that the funds from the other two accounts were deposited into this closed account. The following day, I came back to the bank ( another day off of work ) to speak with XXXX, the bank XXXX. Because I had wrote a negative survey of my experience he was aware of my situation. He kept on apologizing - something that I felt was marketed and insincere. So, I told him that I would prefer that he save his apologies and stop giving me the XXXX treatment. I had issues with my treatment in this bank before. It just seems that I cant get appropriate service, and yet, each time I am the victim of mishaps on the part of this bank. 
Though my issue has been resolved, the misappropriation of my funds was brazen. I went time without access to my funds because either she purposely did so, or she was not properly trained to handle other people 's funds. In any event, i was the one who suffered. I was not amused by her disregard for my funds, but if she could do this to mine, what do you think she would do to other 's? I had someone from the district office call me to say that it was not misappropriation because XXXX did not use it for personal gain. My understanding of misappropriation helps me to understand that ANY inappropriate use of funds that I did not intend it for is defined as misappropriation. XXXX knowingly moved my funds into a closed account. This is misappropriation. I would like the CFPB to post this inappropriate act. If it is within the jurisdiction of the CFPB I would like this matter addressed and put up for disciplinary action on the part of XXXX and the bank branch itself. The bank branch failed to do anything but racially insult me ( an issue for another govermnt agency ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief