Consumer complaint received 2022-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hi, I am XXXX and currently in XXXX XXXX for last two years since the Plandemic. 

I had three accounts with Bank Of America in XXXX XXXX FL 1. A savings account 2. a credit card 3. a credit card I used the saving account so I could transfer money from my XXXX XXXX international trading account into BOA savings account and then I could online transfer monthly payments to my credit cards. 

Bank of America closed my savings account for as I was told not using the account. 

I have tried to make payment to this old account and its been returned to XXXX account, I have rang up three times Bank of America and spent 1.5 to 2 hrs each time and I am sent around the mulberry bush each time. 
They suggested that I go online and open a new savings account which I thought was a good idea, but when I do this I have to present to the bank in person to open the account. 

I have rang them BOA back and said can you help me open an account because it was BOA that closed my other savings account, with a lot of mucking around they said that they couldn't help me and I have to present in person.

With the last two years of the Plandemic I can't go back to Florida as I want too not only to sort this out but I have a sailing catamaran over there.

I have rang three times and they have already told me that they have written the dept off, I said no I want to pay it off myself but BOA is not helping me to facilitate that, I simply need them to open a saving account for me or at least give me an account number that I can transfer the money too, but they won't do either.

I have also told them I am not accountable to pay late payment fees when they are not helping me to be able to transfer the money there in the first place as they closed my savings account.

What I am wanting : 1. Not have accruing late payment fees as its out of my hands, they closed my savings account not me 2. Either allow me to open a savings account so that I can facilitate the transfer to close of my credit cards to be paid in full, as you can see below once the credit card is paid off I am closing down all BOA accounts as I don't like how they are unhelpful in sorting out this mess but are very good at making sure that late payment fee 's are added to my account.

This is the email I sent them this morning WA time, as you can see I already know they have written this off, but I am making every effort I can to make this final payment, I have even given them my XXXX Mobile number and Address, I could just ignore it all and they have already written it off... BUT IT NOT WHAT I WANT TO DO. 

Email sent today to Bank of America in reply to an email they sent me about payment. 

Hi, Bank of America has made it impossible for me to make the payment, you closed my bank savings account where I deposit money so that I can pay my bank cards. 

I have always made my payments and now I have rang the above phone number three times to try and pay off my {$400.00} credit card in full, as I told the BOA representative I can't use union as I live XXXX North of XXXX XXXX XXXX and there is no such thing here. 

I have tried to open another bank savings account so that I can transfer the money to and then be able to transfer to pay off the credit card, but it's silly as you require me to present to a branch of Bank of America to open a savings account. Why do you need me to present in person when you have already seen me when I originally opened the account? and I still have two bank cards still there. I am on the other side of the world in XXXX XXXX, surely a Bank Manager can see the situation and make it happen to open a savings account so I can transfer the money to my credit cards. 

I Only need the saving.s account open to do the transfer and THEN I AM HAPPY TO CLOSE IT OFF AS WELL AS MY CREDIT CARDS. 

You think stopping my access will make me pay it, but Bank of America has made it impossible for me to make the payment as I have tried 5 times I asked for you BOA to give me an account number that I could transfer money into, but you wouldn't give me one.

It was Bank of America that chose to close down my savings account because I didn't use it enough??? 

I have the money sitting in XXXX an international money transfer Company, I just need an account number to send it to you. 

Don't worry I will be cancelling my account once I get back over there, look up my transactions, I have always paid with no problems, it's your loss, I will also not be paying late payment fee 's as BOA is not helpful in allowing me to make any payments. 
You also make it that I now have to write to the banking Ombudsman about this. All I need is a account number to send payment to you. 

Please free free to contact me on XXXX XXXX mobile number, I am 12 hrs ahead of EST My address is XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX So you can see I am not trying to get out of making payment, even your BOA representative said that you have already written it off, but I am still trying to make payment but you're not helping make that happen. 
Keep Smiling Regards XXXX XXXX XXXX XXXX XXXX XXXX

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 explanation