Consumer complaint received 2023-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This complaint is to repoen or continue an investigation I filed under XXXX in XXXX of XXXX  with Bank of America-Small Business due to the closure of the account number, XXXX XXXX XXXX, while I was seeking an investigation of an unknown check in the amount of {$74.00} on XX/XX/2022, XX/XX/2022, and XX/XX/2022. 

These transactions resulted in an ending monthly balance of $ XXXX, which includes a monthly service fee of {$16.00}, a NSF  of {$35.00} ( XX/XX/2022 ), another NSF of {$35.00} ( XX/XX/2022 ) and additional charges of {$14.00}. 
( Please see XXXX XX/XX/2022 to XX/XX/2022, page XXXX ) XX/XX/2022, I was unaware of these transactions, so I used my debit card and made a purchase of {$3.00} and XXXX. Then ending of the balance for XX/XX/2022 was - {$130.00}. 
( Please see XX/XX/2022 Statement pages XXXX ) Due to COVID19 and its impacts it had on myself and my family I was traveling to and from GA, but on XX/XX/2022, I contacted BOA when I became aware of the negative amount and was instructed to complete forms that would be emailed to me. The forms were submitted on the same day, but I didnt see them until later. So, again, I contacted BOA and were sent the forms again on XX/XX/2022. Finally, on XX/XX/2022, the form was submitted and I was advised they would complete the investigation within ( XXXX ) buiness days. 
( Please see document numbers : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX for reference ) After waiting 16 business days, I contacted BOA on XX/XX/2022 for an update and was advised there were no recepits of the request and to resend. At that time, I requested a manager. I explained to the manager that my account is in jeopardy of closure and I had sent this request on XX/XX/2022. He instructed me to resend the document and he would have the case escalated to avoid the account from being closed. All of these events took place during the call interaction. Afterwards, I called everyday to check on the status of the investigation only to be bounced from one department to the next. 
( Please reference document number : XXXX ) Finally, on XX/XX/2022, Bank of America completed a FORCED CLOSED ACCOUNT in the amount of {$130.00} without advising me of the results of the investigation or what steps I could take to assist them in resolving the issue. 
( Please see XX/XX/2022 Statement page:XXXX ) Due to no assistance from BOA, I filed the orginal complaint, XXXX. The response of BOA of America was to contact them at XXXX x XXXX. I did so and the contact information they provided was misleading because the number is a working number, but the extension they provided did not work. So, I contact BOA customer service and they stated they would contact a member on that team and I will get an email. So, on XX/XX/2022 I was contacted via email and confirmed I filed the complaint and provided my contact information. The agent NEVER called me or replied via email. 

( Please reference documents : XXXX for the orginal complaint and page XXXX for the email from BOA and my responses to the agent )

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