Consumer complaint received 2021-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a Bank of America personal checking account under account number XXXX. 

Due to the Coronavirus, it was determined that we needed additional funds to prevent bankruptcy. We applied for a XXXX XXXX from XXXX XXXX and were approved in the amount of {$10000.00} after extensive identity, wage, tax, and other verifications. 

This XXXX XXXX was sent to my Bank of America personal checking account listed above on or around Monday, XX/XX/XXXX. The funds were readily available for our use and were needed to pay several extremely overdue debts and other permissible purposes as stated under our XXXX XXXX XXXX Note. 

On XX/XX/XXXX, I went to go and withdraw money at a Bank of America ATM and it was declined even though I had sufficient funds in my account. I called into Bank of America and was told that my account was being closed because this XXXX XXXX  was sent to my account in the name of XXXX XXXX XXXX. I legally changed my name from XXXX XXXX XXXX to XXXX XXXX. When I opened this account, it was in the name of XXXX XXXX XXXX. I needed to go into my regular branch at XXXX XXXX XXXX, XXXX XXXX, NY XXXX and provide a certified copy of the court order authorizing this legal name change in order to have the name on my account updated. 

This same issue of having a name mismatch caused a check deposit in the amount of {$1300.00} that I made at a Bank of America ATM into my personal checking account to be rejected. This occurred even though Bank of America has a true, certified copy of the attached court order legally changing my name from XXXX XXXX XXXX to XXXX XXXX on file. The check referenced in this paragraph was from a lawsuit settlement and re-issuance in my new legal name ( XXXX XXXX ) will require a court order. A true copy of the letter which was sent to the court to have this {$1300.00} settlement check reissued is attached to this complaint. 

Directly due to COVID-19 and the mandatory government shutdowns as well as other precautions which are currently in place to prevent the spread of the Coronavirus, I've been unable to update my legal name on my State ID or Social Security Card. I have submitted the required documents in person at the Social Security XXXX located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX to change my legal name on my social security card in XX/XX/XXXX. 

I have attached a true, certified copy of the court order legally changing my name to this compaint. 

I have attached true copies of the front and back of both my Social Security Card and State ID in my old legal name XXXX XXXX XXXX. I have also included two separate selfies holding my NYSID ( in my old legal name XXXX XXXX XXXX ) to this complaint. 

I have attached a true copy of my Passport in my old legal name XXXX XXXX XXXX. 

I have attached relevant documents pertaining to the XXXX XXXX which was deposited into my account including my original XXXX XXXX  Application, the Lender 's ( XXXX ) Application, and the Promissory Note. 

I hope this misunderstanding does not impact our ability to do business together.

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