Consumer complaint received 2019-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
1. Earlier today I filed complaint XXXX regarding Bank of America, regarding the rudeness and poor customer service on the part of XXXX, the manager at the XXXX XXXX XXXX in XXXX. This poor customer service had occurred in the content of me attempting to deposit a check. 

2. Subsequent events that transpired today necessitate I file this second complaint regarding me being misinformed and then relying on another Branch Manager 's statements, only to be greatly harmed by Bank of America. 

3. After receiving poor service at the XXXX XXXX, I walked to the XXXX XXXX XXXX. There, I met with Branch Manager XXXX, who walked me over to the teller area. 

4. XXXX and the teller began to process the check to see if there would be a hold. They said there would be a hold on all funds until the morning of XX/XX/XXXX, this Friday. I said I would prefer to have the check back and to try other banks. 

5. Both XXXX and the teller advised me specifically that if I deposited it at a BOA ATM that I would have immediate access to XXXX dollars funds, and the remaining hold through XX/XX/XXXX. 

6. I attempted to use a third party check cashing service through XXXX XXXX, but they wanted a four percent fee, and said their third party service couldn't reach anyone to verify ( it is unclear whether they were trying to reach XXXX XXXX XXXX, upon whom the check is drawn ; or XXXX XXXX XXXX, who wrote the check ). XXXX XXXX said they could try again but it started getting close to XXXX. and they were going to soon close. 

7. From there I walked to the BOA XXXX XXXX XXXX. where, upon the prior advice of XXXX and the teller at XXXX XXXX XXXX, I deposited the check in the ATM there. 

8. Instead of receiving my immediate XXXX dollars are promised, I received XXXX dollars. 

9. Instead of having a hold through XX/XX/XXXX as promised, the hold is through XX/XX/XXXX. 

10. These are federal funds intended for my education, to support my room and board and transportation and books and misc. expenses. I am enrolled in a seven week course in XXXX XXXX toward an XXXX   degree. For me to receive my funds after XX/XX/XXXX is harming my education and my ability to study or concentrate or even just live. The check was cut on yesterday and I paid nearly {$50.00} in shipping fees for it to be rushed to me just so I could have immediate access to at least some of the funds. 

11. Either XXXX and the teller gave me misinformation, or BOA is failing to keep its promises to me. 

12. In either event, Bank of America is responsible for harming my life and my education. 

13. I spoke with XXXX XXXX, the Vice President and Financial Center Manager at XXXX XXXX XXXX. He offered no immediate relief financially, but did allow me to use his phone to call the XXXX XXXX, who was able to arrange for an XXXX to take me home. XXXX said he could not reverse the deposit and that we would have to wait until tomorrow - that he would ask for some or all of the hold to be lifted.

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