Consumer complaint received 2019-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
XXXX. Letter from boa regulatory dated XX/XX/XXXX attached that was sent to a federal agency of the consumer financial protection bureau with false and misleading information to them and myself. regarding their intense research of my reports of fraud and suspicious activity to boa since XXXX to XXXX at XXXX XXXX XXXX. cease boa. XXXX letter states that my joint accounts as per boa XXXX XXXX of XXXX XXXX was not linked to another account having access that is not true. The boa XXXX XXXX XXXX bank statements show 3 accounts under my name XXXX XXXX XXXX and XXXX XXXX it has entries of # XXXX ( as per attached screenshot ) with XXXX & XXXX and transfers to and from a # XXXX a money market account that I had no knowledge about .that is shown on the joint accounts sent to cfpb by bank of America . 

Also I request boa to produce the all documents supporting the entry of LEGAL ON MY XXXX ACCOUNT IN XXXX. XXXX as per the boa statements that XXXX sent to the cfpb. I have no knowledge of this legal entry Also request production of all documents of the claim made stated by XXXX for {$1.00} on XXXX in XXXX stat es entry of claim # and entry of a atm card # Whose. Name was on the atm card claim on XXXX since I never received mine.ion XXXX. 

My name is at top of the top of the bank of america bank statement with the following accounts XXXX & XXXX & XXXX over the co owner in XXXX XXXX. I was denied access to my accounts And my bank statements of XXXX and XXXX and XXXX ( XXXX was also being sent to the XXXX. XXXX XXXX address as per the address on the escalation report with j spouse I personally reported again date of XXXX XXXX was being sent to XXXX XXXX XXXX XXXX  XXXX ( I have never lived there that's co owners address only ) since I reported my change of address XX/XX/XXXX when the XXXX XXXX XXXX  XXXX XXXX nc XXXX THAT STILL REMAINS ON MY SOLE ACCT OF XXXX as per boa. 
I have A boa letter that was sent to me ( screenshot attached ) that states that XXXX was Opened on XX/XX/XXXX and then closed again. XXXX letter states XXXX was opened XX/XX/XXXX and closed XXXX Once ... and sent the cfpb false original signature card for XXXX that she states was opened XXXX XXXX which was of a substitute w9 card dated and redacted XXXX XXXX XXXX by XXXX. With. ( A certificate of deposit of THE ENTRY BOA CHK XXXX # XXXX PAGE 12 beside XXXX XXXX THAT I HAVE NO KNOWLEDGE OF ) ( i request for production of all CD ocuments on all my accounts that boa has on record. ) The original signature card for XXXX was not the original XXXX signature card on my sole account. XXXX states in her letter that boa requires permission of both co owners pto close a joint owned account. She further states that boa already had my permission to close the accounts. In XXXX boa denied me the right to protect my monies held with bank of America by not letting me close the accounts in XXXX but they ALLOWED AND GAVE THE CO OWNER his right to close AND THEN REOPEN on XX/XX/XXXX as per boas letter and then let him close them again without my knowledge or consent! I am requesting production of the documents that support boas statements in their intense research of my reports.

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