Consumer complaint received 2022-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
1. Earlier this year, I owed Bank of America about {$10000.00} on my personal credit card, during the XXXX times, they called and said they'd be lenient about payments and I always had this in mind 2. I paid off the $ XXXX in one lump sum, leaving no balance besides a few hundred on the account 3. For some reason, unbeknownst to me, Bank of America cancelled all my auto-payments set up on the account, and did not alert me 4. The statement balance of {$28.00} was unpaid for 3 months, Bank of America never notified me, never warned me, and never said that this would take place, I was never called or notified a single time. 

Meanwhile, I continued to use their banking services and would continue to get declined payments and issues and every time I called their offices, I would be put on long wait times that would be unfruitful and I always thought something was wrong with my own cards XXXX. Months later in XXXX, they finally responded and said that my credit card had been closed because of the missed balance statements, and I had a meltdown. 

As an immigrant, I have worked for years to improve my credit score, only for bank of america to drop me back to XXXX because their cancelled auto payments and everything related to my credit was tied to that account which they banned without telling me At this point I was told to go meet a representative at Bank of America which wasted 4 hours of my time and in the end told me he couldn't help me with my credit card issues..

I was then put on a 4 hour long hold on my phone and in the end someone told me that there was nothing I can do to recover my closed accounts or my credit. 

This is when I had a meltdown on the phone, I had not only lost all my credit that I had taken so long to build, I also began to lose everything else because of the cancelled account. 

The bank of America person kept telling me this was my problem and they could do nothing about it and that's when I lost control and swore at them, and that's when my account was promptly banned. 

This was after an 8 hour ordeal, and that's not where it ended.

Bank of America then locked all my remaining funds and closed my debit/savings accounts so I was unable to pay rent and I got evicted. 

I was also unable to pay off my car loan for the last 2 months and now I'm not only about to be homeless and living in my car, Bank of America is gon na cause me to lose that car as well because I have missed my payments because of them There is no end in sight, I am an immigrant here and I just got married to a US citizen, I can not believe I am being put through this with a bank here and I am certain this can't happen to a citizen. 

This is discrimination and mistreatment and has taken over 6 months of my life to resolve, and now I am jobless and homeless all because of a {$28.00} bill. 

I urge you to investigate this, I beg you.

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