Consumer complaint received 2023-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In late XXXX ( XX/XX/23 ) I realized I had written a check that was not going to clear so I stopped in at a branch and spoke to a Bank of America, XXXX representative named XXXX XXXX at XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX. This representative told me that the check would be cancelled and no adverse action taken against my BoA checking account. Later that day, I could not log in to the Bank of America App so I called the XXXX number for help, at which time I learned that my account was in the process of being closed. I asked the rep on the phone, XXXX, how that was possible when the rep earlier told me at the branch it was going to be fine. I was not notified via email or mail. Bank of America just froze my assets and began closing the account without notice to me after telling me it was all set. When I drove back to the branch, I saw XXXX XXXX again and explained what the rep on the phone was saying. She tried to call risk management to stop the closure. We spoke to a supervisor named XXXX who said we would have to call back tomorrow to see if there was a decision made. I followed up with the following day and it had been determined that my account was going to continue the closure and that I would receive a check from the Bank to my address on record. I asked if I could pick up the check at the branch and I was told no, it must be mailed to me. I was told it could take up to sixty days. I called back in XXXX and was told the check was mailed in XXXX. When I asked to confirm the address it was mailed to, I was told it was mailed to an unrelated address on my account. I was told that it was mailed to an address in XXXX, Massachusetts. In no time since I have opened that checking account have I had an address associated from that town. Bank of America sent the cashiers 's check that had two weeks wages from XXXX to an erroneous address and when I pointed that out. They told me I would have to wait for that cashier 's check to expire before they could correct the mistake. When I first opened the account, I shared that I was a member of the XXXX XXXX XXXX in Massachusetts. I was given a hard time about opening an account with the parameters of the Massachusetts XXXX XXXX XXXX, which is a violation of the VAWA act. I can't help but feel that Bank of America has violated it's fiduciary responsibility in lack of communication and not keeping accurate banking records or addresses. The fallout of my wages and money being withheld from me by Bank of America has now brought me in housing court for an eviction case for my family, of which I am a widowed single mother battling XXXX. I don't need additional complications from an incorporated entity that carelessly mis-allocated my earnings and subsequently failed to rectify their error. I am not in a position to cover Bank of America 's fiduciary mistake.

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