Consumer complaint received 2019-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ND
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2019 XXXX XXXX my wallet was stolen. Reported to XXXX security and police department, report number XXXX. Called Bank of America and requested close my personal credit card and my secured credit card. Also requested transfer to business debit card but was closed. On the XX/XX/2019 XXXX visited Bank of America office and requested statement on my personal account, rep stated that is nothing to worries cards is bin already closed. Bank of America rep closed my businesses debit card also and issued a temporary card. 

On XX/XX/XXXX and XX/XX/XXXX a lot of activity happens to my account, called Bank of America and the rep on the phone stated I dont know why your cards in not closed, but I will let the fraud department know. 



Credit cards activities wont stop, I received many calls from store and ask if I did make all this orders. Called Bank of America again, bin verify and verify and verified again an transfer to a different representative till the phone is disconnected. 



On XX/XX/2019 my balance get in to negative XXXX. Called Bank of America again, after a long long hold and transfers they told that is my account is in review and will be on 24 to 48 hour. 



On XX/XX/2019 I visited Bank of America Bank again, they did look in to my online banking and said what the bank did, its for my protection and they will reopen my account. Later on this day I called Bank of America again and talk to a rep from NM, she look in to my account, she find all my request closing my cards and stated that she do nut understand what is going on. After a long waitings and several transfers I got in to a guy from the fraud department who said you have {$680.00} and you can close your account and take your money. I told hem that my available balance is owner {$6000.00}, he said can I put you on hold, he never come back. 



On XX/XX/2019 I got a lot of email from the bank stated that my email is bin changed, my phone number is bin changed. I called Bank of America again, well I dont need to tell again the verification, the transfer and verification and transfers again till I got to the same guy I did talked a day before.

I DID TOLD HEM I DID NOT CHANGE ANYTHING ON MY ONLINE BANKI, I DID NOT CHANGE MY EMAIL OR MY PHONE NUMBER, MY ACCOUNTS NEED TO CLOSE IMMEDIATELY This guy is started to attacking me like he did before, he started to turn the situation to like Im not who Im, he is verified several time my name, my EIN number, my mailing and business address and after he said, you couldnt verify who you are, you need to go in to branch and make your request there. 



IM LOCKED OUT OF MY ONLINE ACCOUNT. MY BUSINESS IS BIN DISABLED, MY MONEY FROM MY BUSINESS AND MY PERSONAL ACCOUNT IS DISAPPEARED. 



MY BUSINESS CANT PAY BILLS, MY BUSINESS DISABLED. 

MY PERSONAL ACCOUNT IS THE SAME. I HAVE NO MONEY AND NOT ABLE TO ACCESS ANY 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 explanation