Consumer complaint received 2015-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have problem with the bank checking account of my husband. He passed away in XXXX XXXX, XXXX. He has this account only under his name, and the montly bank statement only shows his name, but I am the beneficiary of his account. He oppened this bank account around XXXX or XXXX in Texas. Him always worked in differents state because he did XXXX work in XXXX. In XXXX XXXX I came from XXXX, but we married in XXXX. We moved together in diferents states but in XXXX, we came to XXXX and he add me as his beneficiary. He does n't have more children, only XXXX with me XXXX is XXXX years old and the other XXXX in XXXX years old. We visited the location of bank of America in XXXX XXXX XXXX. My husband explain to the worker than he need my name in the account only as a beneficiary. The worker from this bank added my name, I gave my personal documents, passport and social security number. But he never gave us any document to bring at home. That is comun in the bank they normaly do n't provide any document to the owner or to the beneficiary. The information only stay in the system in the bank. My husband was 100 % sure, because he knew if he passed away my name is in the system as a beneficiary. The worker say if he some day died, you do n't need to aprove with any court document only with his dead certificate. We never did something else like a will, because we did the same with other banks. When my husband passed away I went to the office of Bank of America XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX ) XXXX XXXX/XXXX/XXXX around XXXX I did explain about my husband passed away XXXX of the ladies in the desk. She said, " You are the beneficiary of the occount. I can see your name. The only thing we need from you is the dead certificate of your husband account. Please call this number and you can fax the dead certificate. She gave me the phone number and I call the phone number of the bank of America, the same I visited, because they speak XXXX, but they connect the phone line with other company or department/ area of bank of america the name is XXXX XXXX XXXX this men told me he is the XXXX who works with the people when some XXXX XXXX, he has to register the information and I explain my situation and he said, to confirm your information give your full name and home address, and I gave this information by phone and he said you are the same I have in my sistem the only thing I need is your husband dead certificate, send me the fax to XXXX, I send this fax, I called to the phone number of bank of amercia XXXX to know if they have the dead certificate, but they said we do n't have it. I decided to visit the office of Bank of America in XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX ) XXXX. The manager talk with me, I said I need to send this dead certificate by fax. She said I am no able to see your name as a beneficiary because your husband only have the account under his name and in the bank statement is only under his name. I said, I know that because benefciaries or PPO, do n't show the name in the bank statement. But I know i am the beneficiary, I spoke with XXXX employes before you and they said my name it is in the system, I said please give the name of the men, the XXXX I spoke XXXX, you have all my phone call in the system and you can see that, and she said his name is not here. Only I have the information about your call and I have the name of the men who help you with the traslation but I do n't have the other name. I felt so bad because I knew she was hiding me information. She call by phone some one else maybe XXXX of the employes XXXX, and the manager of the bank in XXXX XXXX said, you need too show me a document for the court which include you are the owner of your husband account. I said I do n't need that, because I am the beneficiary of my husband account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation