Consumer complaint received 2019-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America closed our account with no notice or reason! On Thursday XX/XX/2019I went online to check our account and it was blocked. I immediately called BOA to see why, and the woman on the other end said that they closed our account. When I asked why she said " it's a business decision ''. After that I was understandably quite alarmed and confused by this. I called my husband at work and he went online to see if his access was locked as well. It was not. This was around XXXX on Thursday XX/XX/2019. He followed that up with a call to BOA to see why my access was blocked and why I was told our account was closed. 
The BOA customer service rep that he spoke to said that it was not closed! They had no idea why anyone would tell me that. He assured my husband that the account was still open. We were both due to get paid the next day Friday XX/XX/XXXX by direct deposit and were naturally concerned that we would potentially not be able to access our funds. However, as I stated before, my husband was assured by the BOA rep with whom he spoke that everything is fine. 
On Friday morning XX/XX/2019 my husband stopped at our local XXXX store to get some cash on his way to work. As his transaction was being processed on the ATM, it would not allow him to withdrawal any funds and stated that his " stolen card ''! He had no idea what that was all about! We never reported his card had been stolen at all. He came back home instead of going to work and then took my bank card to the same ATM to see if perhaps it was just his card that was blocked. My card turned up as " invalid '' on the ATM. At this point we knew something was very wrong. 
My husband called the BOA customer service line promptly at XXXX on XX/XX/2019. At that time, the rep told me husband that they were in the process of closing our account, When asked why by my husband they said " we have no reason ''. They could not and would not give my husband any reason for shutting our account down just " we just did, we have no reason ''. At this point then, all we want is our money. We have bills to pay and have no money! When my husband asked how and when we can get our money the response was " we are in the process of closing the account, you will receive a check in due time ''. 
So now, we have no access to OUR money, BOA won't tell us why they closed our account, and we can not afford to buy food, medicine gas in our cars to go to work. It is highway robbery to close a customer 's account with no notice AND take time and vaguely tell them when to expect their money. This is a hardship!

They simply can not hold a customer 's money when we need to eat and buy medicines and pay our bills! There needs to be some repercussion for this bank being allowed to steal a customer 's money! If a customer did that in reverse we would go to jail! They deserve the same! 
My health literally depends upon me having my own money to buy my necessary medicines. I am XXXX and have XXXX XXXX XXXX. As I write this complaint I am out of my medicine and have no money to get it. All because BOA decided to abruptly and without any warning close our account and tell us it could be many days until we are given our money! Besides my health of course we have to pay bills in order to live! Our electricity is going to be cut off soon as we received a letter from XXXX  XXXX that we have a pending disconnect notice on file. This is a total nightmare!

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 non-monetary relief