Consumer complaint received 2021-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
COMPLAINT ACTIVITY REPORT Case # XXXX XXXX  of XXXX XXXX and XXXX NC XXXX Info : XXXX, XXXX XXXX Info : Bank of America XXXX XXXX  XXXX XXXX XXXX, MO XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Involved : ( Same as above ) Consumer 's Original Complaint : Retrieving a deceased relatives bank account balance to offset their death expenses. 
My mother passed away on XX/XX/XXXX. I filed a claim with Bank of America XXXXs Estate Services division to claim what was left in her accounts. I was informed that I needed to complete some of their forms and some court issued forms relating to my mothers estate. When I contacted estate services in XXXX XXXX county, I was informed that because my mothers estate was valued at less than {$2000.00}, none of that was necessary. I completed the small estate affidavit as I was instructed. I also provided the proof of address along with a copy of the death certificate and the other forms the bank requested. The claim was denied even though the requested forms were completed and delivered. The bank then requested additional court documents that are not required to make a claim in Missouri for an estate less than {$2000.00}. They are attempting to confiscate a small estate by requesting fictitious requirements. They know that the cost of legal representation would be more than the estate is valued. They are simply trying to steal. 

Consumer 's Desired Resolution : Payment of the remaining balance of my mothers accounts. 

XXXX  Processing XX/XX/XXXX web XXXX  Case Received by XXXX XX/XX/XXXX SM MAIL Manually Inform Member BOA of Case XX/XX/XXXX XXXX EMAIL Send Acknowledgement to Consumer - BOA XX/XX/XXXX XXXX  MORE INFO RECEIVED FROM THE CONSUMER : Bank reference number XXXX. A complaint has also been filed with the Florida Attorney General 's office. 
XX/XX/XXXX XXXX  MORE INFO RECEIVED FROM THE CONSUMER : I have phoned and left messages for the contact person over 6 times and NOTHING has happened. This is the only correspondence I've received : Hello XXXX XXXX, Thank you for contacting Regulatory Complaints of Bank of America. As your Resolution Specialist I welcome the opportunity to address your concerns. 

I am your point of contact until this matter is resolved. Please note that the Bank of America email address this is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. My days and hours of operation are Monday through Friday from XXXX XXXX to XXXX XXXX. XXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX Regulatory Complaints Operations PH : XXXX ext. XXXX XXXX What is the point of giving me a contact person that doesn't contact me or return calls? 
XX/XX/XXXX XXXX  MORE INFO RECEIVED FROM THE CONSUMER : A complaint has also been filed with the Consumer Protection Agency. 
XX/XX/XXXX XXXX  XXXX  No Response received from Business on 2nd Notice XX/XX/XXXX XXXX  MORE INFO RECEIVED FROM THE BUSINESS : We are in receipt of the complaint for the above referenced customer. As a Resolution Specialist in Regulatory Complaints, I have contacted the referenced customer and will work this matter directly to respond to the customer 's inquiry. 
XX/XX/XXXX XXXX MAIL Final Notice to Company- Via Mail/Fax/Email XX/XX/XXXX XXXX XXXX RECEIVE BUSINESS RESPONSE : We are in receipt of the complaint for the above referenced customer. As a Resolution Specialist in Regulatory Complaints, I welcome the opportunity to respond to the customer 's inquiry. 
As you requested, we addressed this matter directly on XXXX by way of telephone or letter. If a letter has been sent, it should be received within the next five business days. However, in the interest of protecting our customer 's confidentiality, we are unable to provide you with the details. For further details, please contact the customer directly. Please let us know if we can assist further regarding this matter. 
I thank you for taking the time and effort to bring this issue to our attention. XXXX XXXX XXXX XX/XX/XXXX SM EMAIL Closing Contact Letter to Consumer XX/XX/XXXX XXXX XXXX  Business Notified - ANSWERED XX/XX/XXXX XXXX  MORE INFO RECEIVED FROM THE CONSUMER : I was contacted by the resolution specialist on the XXXX of XXXX. I was told that a reconciliation offer was going to be mailed to me in 5-7 working days. I never received it. Coincidentally, I left her a message twice and sent two emails. I never received a reply.I sent the paperwork that was initially requested and I followed the instructions given to me by small estates. I also filed a complaint with the Attorney General 's Office. They've committed outright theft and fraud and you've done nothing but push paperwork around. Somehow my mom 's account is now {$80.00} less and there haven't been any transactions. Make them explain why they are making up rules that aren't required by the Missouri court system. I've been to court twice and I've been told that none of what they asked is required so there is nothing to do. Except sue.

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 monetary relief