Consumer complaint received 2022-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Opened account XXXX XXXX in branch using social security card, currernt drivers license with address current on id. current phone ending in XXXX, and XXXX and changed online on XXXX XXXX to XXXX XXXX XXXX online banking was verified as XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX license expires XXXX XXXX on XX/XX/XXXX {$430.00} was transferred from my XXXX XXXX account into my checking account number XXXX and on XX/XX/XXXX i opened up a savings account through my mobile app user id XXXX, and transferred the {$430.00} from checking ending in XXXX to now savings account number XXXX on XX/XX/XXXX at XXXX received email that balance in checking XXXX was {$0.00} then received an alert at XXXX also on XX/XX/XXXX to re verify login alert of my face id then credentials did not match could not sign in, user id and password were non existent, terminated by bank after email and face id alert came through, contacted number on back of debit card XXXX account ending in XXXX was decided by back office as closed. 
can not use debit card anymore no longer having access to online and mobile banking account access may be restricted during closing process after account closure on XX/XX/XXXX as finalized funds were to be sent by cashiers check only to address on file and debit card/ atm access terminated didnt have ability to write checks or overdraft on account set up i was not to write checks they claim cancel any recurring payments make other arraingements for direct deposits this was told to me XX/XX/XXXX by calling the number on my card and letter was dated XX/XX/XXXX i received in the mail after my last login on XX/XX/XXXX same user id as set up on XX/XX/XXXX was same upon terminated online and mobile banking XX/XX/XXXX at XXXX password, phone number and email changed on XX/XX/XXXX to XXXX from XXXX on XX/XX/XXXX which was verified along with email phone dl expiration XX/XX/XXXX and address as stated on id card matching account. verified in branch by me and banker XXXX XXXX at XXXX XXXX banking center my early warning services report shows on XX/XX/XXXX BANK OF AMERICA checking account XXXX advantage safe balance banking which on XX/XX/XXXX mailed letter to home says keep in mind this doesnt apply if you have a safe balance banking account- account closing letter dated XXXX hours after i was informed on the phone of these restrictions to close account bank of america XXXX XXXX XXXX opened through XXXX  mobile app login account number XXXX was a seperate account number from checking account ending in XXXX, but terminated also. 

early warning shows on XX/XX/XXXX as account was finalized that account was as follows to be changed from back office, as thety were the ones to close account per the agreement signed, email XXXX phone XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX correct license of XXXX expiration XX/XX/XXXX social XXXX correct date of last status change XX/XX/XXXX. 

i was closed and my {$430.00} was sent to the address they created on XXXX XXXX XXXX and i have to wait 121 days bc they forgot to update address on savings to the XXXX and updated checking to XXXX from XXXX XXXX 

this is not correct. i should not have to wait for fdic funds to be reissued since they updated my account after onlibne and mobile was terminated. they claim on XX/XX/XXXX all emails were un deliverable and update through app i cant get into as of XX/XX/XXXX but on XX/XX/XXXX at XXXX to XXXX and on XX/XX/XXXX at XXXX to XXXX, updated on XX/XX/XXXX from XXXX set up on XX/XX/XXXX in branch at XXXX by XXXX XXXX at XXXX XXXX branch to be incorrect. 

they claim on XX/XX/XXXX funds sent to XXXX XXXX XXXX XXXX XXXX ks XXXX and i must wait until XXXX day for check to expire to be reissued. for their fraud account editing and sending to check systems and early warning services which blocks me from all accounts any bank for 5 years.

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