Consumer complaint received 2019-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This affects both my checking and my savings. 
Last week I received an email from Bank of America stating " Dear Customer, we're letting you know that your Online ID has been disabled at your request ''. I never disabled my online ID, but I didn't have time to deal with it because my dad had just suffered from a major XXXX XXXX. 
I tried to use my debit card at an ATM a couple of days later and it wouldn't work. I didn't think much of it because the man at the ATM next to me was unable to use his card as well so I figured it was the ATM. 
That night ( Saturday ) I was out with friends and my card was declined. I was quite embarrassed and confused because there was plenty of money in my account. My dad passed away that same evening.

The next day ( Sun
day  ) I had email notices from several vendors ( such as my cell phone company ) that they were unable to process my payments. 
Monday morning, as I was beginning to make preparations for my children and I to travel to my dad 's funeral I recalled these emails and called Bank of America to find out what was going on with my card. 
I was shocked when I was told " Your accounts have been closed ''. 
I was utterly confused and asked for clarification I was told that when I signed up with Bank of America several years ago I had apparently signed a document that allows Bank of America to close my account at anytime and THEY DON'T NEED TO GIVE A REASON. 
After researching this online I learned there was only two reasons why Bank of America would shut down your accounts : 1. If you were not making the bank any money 2. If you were suspected of illegal activity. 
Last month I put a bid in on purchasing a house. My dad gave me a gift of {$20000.00} as did my brother-in-law for the down payment. I didn't get the house, so I moved my dad 's gift into a different account and returned my brother-in-law 's {$20000.00}. 
Apparently this looked suspicious of money laundering and this is why they shut my accounts down ... WITH NO WARNING WHATSOEVER! 
I went to my local branch which had been shut down for the day - with no warning. 
I found another branch that was open and spent two hours meeting with a manager. He confirmed that it was likely do to my " suspicious activity '' and he would make an appeal on my behalf. He also cautioned me that it was unlikely the appeal would be overturned. 
Most likely I would be getting a check in the mail in the next week or two with the money I had in my accounts ( savings and checking ) My children and I need to travel thousands of miles to my dad 's funeral  and I have NO ACCESS TO MY MONEY! I also have bills due! Including bills that I will be charged a late fee if they aren't paid on time. 
My father passed away this week, I have travel preparations to make and bills to pay and I have no access to my checking or savings account and they will not tell me why or when I will get my money back! 
How is this not stealing my money? To do it without even contacting me for an explanation about my " suspicious activity '' is truly outrageous! 
Furthermore - is this going to affect my credit score as I am in the process of trying to buy a home?

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