Consumer complaint received 2022-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello my name is XXXX XXXX, and this complaint is regarding Bank of America. 
My address is - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX I can be reached at ( XXXX ) XXXX / XXXX Please, help me with following two issues. 

1 ) In XXXX BOA levied my BOA checking account for {$12000.00} due to faulty IRS overestimation of my income- I sold my assets back to the corporate but it was accounted for as commissions earned. 

2 ) In XXXX BOA XXXX branch in XXXX XXXX CA, refused to cash my check despite more than enough proof of identification. The branch manager told me the bank will need to call the police for further identification. It was a Saturday morning and the lobby was crowded with about 75 customers. Upon arrival of the police, I was placed under arrest and everyone in the lobby thought I was some sort of a fraud or a bank robber. As a result I had to stop working because of the rumors that spread since the arrest at the bank, and my reputation is still to this day beyond recovery making it impossible for me to work. At the time of the arrest there were people who knew me and what I do for living. Since that arrest I became unemployed and homeless for about 6 years. 
A few years ago about XXXX I filed a federal consumers complaint to Washington DC about this incident and BOA legal Department responded to me with a letter stating that BOA would pay me a settlement ( CASE # XXXX ). However, I have tried everything in my power to reach the department that was handling my cases but no one ever responded back and I still have not received the settlement from BOA. Its been like 7 painful years and I'm afraid I might never recover from this traumatic incident. The following is an email I received from BOA. 


Enterprise Resolution XXXX XX/XX/XXXX, XXXX XXXX  to me Dear XXXX XXXX : Thank you for contacting Regulatory Complaints of Bank of America . As your Resolution Specialist I welcome the opportunity to address your concerns.

I am your dedicated point of contact until this matter is resolved. Please note that the Bank of America email address this email is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. My days and hours of operation are Monday to Friday, XXXX XXXX XXXX XXXX XXXX Eastern. 

I appreciate you taking the time to bring this matter to my attention. I look forward to assisting you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX, Extension XXXX XXXX This message, and any attachments, is for the intended recipient ( s ) only, may contain information that is privileged, confidential and/or proprietary and subject to important terms and conditions available at http : //www.bankofamerica.com/emaildisclaimer. If you are not the intended recipient, please delete this message.

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