Consumer complaint received 2021-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX Fourth attempt to have late fee removed from my closed checking and credit accounts 25 min and still waiting ... 

BANK OF AMERICA CUSTOMER CORRESPONDENCE XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Account number ending in : XXXX Balance : XXXX Closed : XX/XX/XXXX BANK OF AMERICA According to your express mailed letter of XX/XX/XXXX and received on XX/XX/XXXX this account has been closed as of XX/XX/XXXX, but not without the addition of a late payment fee of {$25.00}. I would like that fee rescinded. My checking account was closed on XX/XX/XXXX, I did not become aware til XX/XX/XXXX. I did not receive my account balance until XX/XX/XXXX. I had to create another online account and had now means of depositing the check until XXXX whereupon I was told the check would not clear until XX/XX/XXXX. 


While we maybe in total agreement as to the ending of our business relationship, you in the process of freezing my checking account from XX/XX/XXXX to XX/XX/XXXX without notice do not deserve to profit from a momentary lapse of madness on my part in the due course of attempting to conduct same said business via your questionable ONLINE/MOBILE/EMAIL/TEXT/PHONE/COMPUTER/APP/WEBSITE/CUSTOMER SERVICE/SURVEILLANCE PLATFORM. A XX/XX/XXXX where customers are treated as potential suspicious untrustworthy criminals in need a two factor identity authentication threshold to confirm they are not engaging in criminal activity the likes of which BANK OF AMERICA is more likely to engage in. The assessment of a late payment fee demonstrates your own lack of restraint in a willingness to inflict and engage in the same willful, malicious and abusive conduct I am being accused of and which you have used to justify closing my account. 

What you need to know. 
This is what happens when you are too big to fail and not only not punished but rewarded with additional investment banking privilegesthe conduct and re-investment choices of which have created an insecure integrated digital universe tantamount to an offer you cant refuse or a world no one in their right mind wants to live inhence artificially intelligent and likewise artificially verbally abusive. 

While we believe that its very important to work with our customers ... 

In a face-to-face physical universe working with would include, in the least, addressing the cause of the escalating frustration with online banking ( and now it should also be online banking during conditions of pandemic, quarantine and lockdown ) and BofA admitting its own structural role in that frustration leading to aggressive language instead of hiding behind underpaid one-note-Ill have to transfer XX/XX/XXXX-hang up customer service agents. 

Nowhere, in the course, of four letters and a snail mailed check has the why ever been addressed. 
In a face-face physical universe an attempt to transfer funds between BofA accounts would have been the equivalent of entering the bank and conducting a five minute transaction. Instead I endured a 7-8 month process of being locked out of my account due to a failed secondary safe-pass code for which calling the given customer service number resulted in repeated BUSY SIGNALs. 


this commitment to customer satisfaction does not mean that well tolerate verbal or physical abuse. 

As a member of the Bank of America advisory panel, given to surveys of foregone conclusions tailored to increasing BofA market share, I am not tolerant or amenable to security measures particularly those for my own protection or engaging customer agents-nameless-faceless disembodied voices over the phone from XXXX knows where. I tolerate them as the price of so-called progress and try to avoid interaction with these abstract artificial environments at all costs. ( So we will not accept any phone calls from you -- Good, I dont want to call you anyway ). Ill use as an example the California EDD e-statements I still receive even though I havent lived in California since XXXX. The account has probably less than a dollar in it, but trying to stop these e-statements is more trouble than it is worth. 

or physical abuse followed by XXXX XX/XX/XXXX. XXXX Trespass in structure or conveyance Now you have really shown how tone-deaf and out of touch with reality BofA really isthe result of unequal bargaining positions and power for which so-called terms of agreement are not agreements but diktats between a legally fictitious corporate persons and a physical human being. In short, a XX/XX/XXXX bargain. Aggressive language in acoustic space is not the same as aggressive language ( for which I attempted to apologize- I explained I was speaking figuratively ) and perceived threat in physical space requiring 3 paragraphs of bold face XX/XX/XXXXtrespass law threatening law enforcement during a pandemic when the bank is not open anyway ). 

I never securitized liar loan mortgages with fine print variable balloon interest rates and foreclosed on mortgages evicting people from their homes only to re-sell at bargain basement rates to other fictitious persons-wrecking an entire economy. At best, a customer service agent had their feelings hurt in a surveillance call recorded for training purposes but actually used assessing further opportunities for automation. Bots dont need or ask for XXXX bonuses. 

Insecure integrated electronic digital environments are by their nature polarizing, but your power to inflict harm greatly outweighs my ability to follow through on an acoustic threat. I did not call customer service to abuse them as the aforementioned statement implies, I called to express my dissatisfaction with being locked out of my account and therefore unable to conduct bank business. Now I have been elevated to a case of threat to public safety or welfare. 

Hence, according to what I signed on page two, I discover on XX/XX/XXXX, while trying to buy groceries, that my account has been closed as of XX/XX/XXXX, that I will be sent a check to arrive XXXX knows when, that I will be unable to access my money until XX/XX/XXXX that I will have to inform all third parties that my account has been closed and We will no longer authorize any further transactions ... .or approve pending access checks, balance transfers or direct deposit requests. Please continue to make at least the total minimum payment due each month on the account until the balance is paid in full. 

Informed by 3 separate express mail letters the means by which to perform above said has been sent by regular mail arriving on XX/XX/XXXX. As the owner of an e-commerce business this is tantamount to economic death. It will take now months to transition to other digital payment/transfer portals. That customer service agent is still economically alive ; feelings are not facts. I will not tolerate being economically abused and vilified. 

( you will most likely be unable to bank anywhere but continue to pay us while we add on late payment fees while holding your checking account XX/XX/XXXX ). 

It is a fact that insecure artificially intelligent digital banking platforms are likely to increase insecurity measures across devices and that these time-based measures will continue to not live up to expectations of efficiency, courtesy or the price we customers pay for them. 

I should have received a phone call from BofA, addressing my concerns and frustrations, whereupon I would have apologized for any perceived harm or threat to customer service agents who are under current conditions essentially flack-catchers for developing ( in ) security software. 

I expect to conclude and fulfill any remaining financial obligation to Bank of America as soon as I have access to my funds : please remove the late payment fee from Account number ending in XXXX. 

XXXX XXXX XXXX

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 monetary relief