Consumer complaint received 2019-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had a checking account at Bank Of America with a debit card for about 3 years. On or about XX/XX/XXXX when making a purchase my debit card was declined. I had over {$200000.00} in my account so I called Bank Of America. I was told my account was closed and my funds would be mailed to me in about 2 weeks and I'd get the funds about 2 weeks after that. Nothing else was told to me no matter who I asked except I signed an agreement with them when I opened my account that said they could close my account whenever they wanted. They said they sent me a letter but they didn't. I was left with no money for a month and a check I wrote 3 days previous for {$47000.00} bounced. If they had wrote a letter as they said they did I would've moved my funds to another bank. All my bills with automatic payments were all late and they left me in a big mess. Until the end of XX/XX/XXXX refunds were sent to my bank account and they would mail me checks. 
I had purchases made at XXXX XXXX through XXXX from my bank account On XX/XX/XXXX. I returned some of the items in XXXX and on XX/XX/XXXX XXXX XXXX sent me 6 refunds totaling {$3400.00} to my XXXX account and XXXX sent them to this bank account. XXXX XXXX confirms the payments to my XXXX account and I can see them in my XXXX account. XXXX confirms the money sent to my bank account and has sent me all the reference numbers. I've talked to Bank America at least 25 times and they refuse to help me in saying they wouldn't have accepted the money on a closed account. I tell them they sent me checks from refunds on my account as I have a check stub from a refund dated XX/XX/XXXX and they tell me that's impossible. Nobody wants the reference numbers and nobody will help me. On top of everything I can't even access my account online to look up anything. This is absurd. They have my money and they keep XXXX me. They also canceled my credit card a couple months after that and I didn't find out again till my card was declined and I called and I was told it was canceled. I don't care about this bank anymore and how they do business but I do care about my money they say they don't have. I don't know else I can do but this has to be illegal. My dates might not be right but are close. Without access to my account its very difficult. References to refunds :. 
Dear XXXXX XXXXXXXX, Thank you for contacting XXXX Customer Support. My name is XXXX and here are the reference numbers to your refunds. 
You recently contacted us for help locating credits issued to your credit or debit card ending in xxXXXX. I have reviewed your transactions and can see that the following credits were completed successfully. 
- Reference number XXXX on XX/XX/XXXX for the amount of {$410.00} USD. 
- Reference number XXXX on XX/XX/XXXX for the amount of {$120.00} USD. 
- Reference number XXXX on XX/XX/XXXX for the amount of {$740.00} USD. 
- Reference number XXXX on XX/XX/XXXX for the amount of {$690.00} USD. 
- Reference number XXXX on XX/XX/XXXX for the amount of {$730.00} USD. 
- Reference number XXXX on XX/XX/XXXX for the amount of {$740.00} USD. 
If you are unable to find your credits by reviewing your card or bank statements, please provide the above reference numbers to your card issuer. These numbers should enable your bank or card issuer to locate the money.

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