Consumer complaint received 2022-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi, Yesterday, XX/XX/XXXX, I attempted to access my online back account with Bank of America yesterday and I received a " there is no account connected to this username '' error. I have had my personal checking with B of A for 23 years. I called and they said my account was being closed, no reason and no resolution to be had. I explained to them that the only reason I even checked the account is because I am closing on house friday XXXX ( as I type this it is wednesday XX/XX/XXXX ), so without that money I can not close on the house and I have nowhere in WA to live as I am out of my current house XX/XX/XXXX, so was hoping to be closed and have a small window between ( because of the XXXX  weekend I dont know if anything would hold up the closing ). 
so after calling the " account closures department '' alone and with a Bank of America branch manager, I am being told that I can't have my money but instead must wait 5-7 business days to have a check mailed to me via USPS, and agin- I am set to close on my house in 3 days. 
I put in requests for access to my funds both alone and with the branch manager who said she could see the monies in my account, but it was frozen so she had no access. 
by the 3rd call, the account was closed and I was told that I was out of luck and its policy to close accounts without notice. 
the real kicker is that my distribution check of {$40000.00} from the company that I own was deposited at the bank branch by my CFO not 1 hour prior to me learning about the closure. so the account was restricted and set to be closed, but they still allowed a {$40000.00} check to be deposited into my account, and they will not give me access to those funds either and said that it will go through the same refund/closing process and that sum will be mailed separately. 
I also have been denied any access to my account so I can not view any records. I need to itemize purchases for taxes and I need to be able to see what auto-drafts come from this account so I can change it and disrupt my life as little as possible. I have so many things that automatically come from this account - like I mentioned I have had it for 23 years. 
how is this fair? Iget countless emails from them daily, and never so much as an email that just says I should check the status of my account? and then once I learn about it, the day before it is officially closed, they will not grant my access to get a cashiers check from a branch so that I can close on my house. It seems very sneaky that they would allow deposits after unexpectedly closing my account, and then refuse to allow me access to my own money, and instead insist on sending {$420000.00} in a paper check, in the mail. so that I will need to deposit those funds into another bank, and without knowing why my account was closed I couldn't possibly know how to prevent it from happening at anther institution. please help.

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