Consumer complaint received 2016-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
1 ). Bank of America, without proper notification in writing, closed a business account ending with XXXX. This business account closure could interfere with XXXX, and several other factors. Account is in the financial red due to reasons explained in XXXX -- XXXX, XXXX, ESTATE, LEGACY AND ASSET CRIMES FILE. 
Intentions were to align the account in XXXX, when renovation payoffs were hoped to be completed. ( Partnerships can lend to one another by law ). BofA was NOT given permission to access account. Privacy invasion, possibility. 

2 ). Possible lie by Bank employee. 
Inconsistency flags a statement by BofA employee, Bank does not have authority nor can it access the client 's account without their permission. It has happened, inconsistency flags untruthfulness. 
WHAT IS BOFA POLICY ON THIS, PLEASE. 

3 ) Closure of debit/credit card within the action of aforementioned on another separate, personal/trust account used for trust and estate expenses, without any proper notification nor permission in course of aforementioned. Several transactions were processing such as XXXX insurance payments, utilities, other allowable transactions. There was plenty of funds in the account, over {$400.00} on XXXX/XXXX/XXXX, after all the payments in process, processed -- over a XXXX prior to processing. I went into a XXXX grocery store I frequent as a favorite, to buy homemade chicken soup ingredients for my late parents XXXX I was asked to care for, needs covered in trust documentation. A management level employee, was at the cashier 's counter, tallied the overall groceries to be {$41.00}. The soup and chicken is vital in sustaining their XXXX, nearly soon to be XXXX years old. ( There were a few other necessary items, as the trustee if not salaried, by federal and state, US Constitutional laws, also be entitled to eat and drink by law, to have energy to keep working in a job with stated income of $ XXXX per year, but because of reasons in aforementioned XXXX XXXX, legacy, assets crime file, this right by law denied, while Justice being pursued. WITHOUT ANY TEXT, Notification, Reason, card ending in XXXX was closed. Fortunately, I had my checkbook with me. This, combined that I am a known regular at XXXX 's, for decades, I wrote a check for {$41.00}, check number XXXX. I offered to go to the Bank to get cash, but the Manager was very nice to accept the check after the snags with the debit/credit card. NO EXCUSE TO BLINDSIDE WITH CREDIT OR DEBIT CARD CLOSURE, EITHER TEMPORARY OR OTHERWISE WITHOUT NOTIFICATION BY TEXT OR OTHERWISE, TO CUSTOMER. 
DEPENDENT UPON CUSTOMER, THIS CAN BE A HUMILIATING, UNWARRANTED EXPERIENCE, ESPECIALLY WITH ENOUGH SEVERAL TIMES OVER IN THE ACCOUNT. 
Invasion of privacy and rights by bank not appreciated. If any unauthorized activity is a concern by the Bank -- I appreciate notification by text. This has happened before and I have appreciated the texts, safeguarding by BofA. The debit/credit card was temporarily blocked, as recent transactions were confirmed if these were really generated by myself. 
All was fine when I verified. THESE TWO DIFFERENCES IN DEBIT/ CREDIT APPROACHES BY BOFA ARE NOT TO BE CONFUSED NOR MISUNDERSTOOD. IT IS OKAY FOR BOFA TO VERIFY TO PREVENT FRAUD WITH PROPER AUTHORIZATION AND NOTIFICATION -- THE BLINDSIDE, AS DESCRIBED AT THE GROCERY STORE IS THE ISSUE. ONE EXPECTS THEIR CARD TO WORK JUST FINE AND THE CUSTOMER FINDS OUT AT THE GROCERY STORE, WITHOUT ANY REASON, NOTIFICATION THAT IT IS CLOSED. ( LATER IN THE DAY I DISCUSSED CARD/ACCT WITH XXXX XXXX AT THE BOFA BRANCH IN XXXX XXXX, AS I HAVE HAD THE PLEASURE TO WORK WITH XXXX XXXX, BOFA MANAGER, WHO WAS NOT AVAILABLE, XXXX/XXXX/XXXX ). 
( I WISH TO CLARIFY THAT THERE ARE NO ISSUES WITH XXXX BOFA BANK OR THE EMPLOYEES MENTIONED BY NAME -- THESE XXXX WOMEN HAVE BEEN AS IDEAL AS POSSIBLE, VERY HELPFUL. 
THANK 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