Consumer complaint received 2022-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened a checking account with a well known bank in my town around the end of XXXX. Right from the start I started having problems with their online banking app and my card kept being blocked, this has happened several times and is still continuing as of today XX/XX/XXXX, I received a call from the banks fraud dept. on XX/XX/XXXX, mentioning the activity on my account. The lady stated that there is too many deposits and withdraws and that she wasn't comfortable with it, that there is too much activity in my account. I let her know that I didn't think it was any her business how many times i did these transaction. I also said that I was not aware of any limitation for these transactions either. She stated there wasn't and that i would have to go back to the branch to have my card unblocked again, and to get the statements I had not received since I opened this account, so I did. 
Once in the bank, I explained to the teller what took place so she called the fraud dept. to ask why my card keeps getting blocked ( while on hold, the teller told me that I should be getting notified by text message, when the card gets blocked, so I could fix it right then and there instead of coming into the bank every time then asked for my cell #. it turns out that the Bank had my fathers landline # instead of my Cell # and she stated that she changed it and that I should be fine ). Well I wasn't anywhere close to being fine as the number change did not fix my card from being blocked nor had I received any statements a of yet. unbenownced to me and without my consent, the bank closed my account the very next day on XX/XX/XXXX. I didn't realize they did this until much later. The finance company for my car called to let me know that they had not received a payment yet ( This was a new loan and my first payment ). I told them I'd check with the bank cause I made the payment on the XXXX ( due date is the XXXX ) The bank showed it clearing on the XXXX .So I called XXXX XXXX  the next day to let them know The bank showed it clearing on the XXXX. But then XXXX from the XXXX XXXX called me that same day and told me that the Bank reversed the payment on the XXXX. I don't know how they did this when my account had been closed 6 days prior. on XX/XX/XXXX??? And this is when and where my nightmare begins. 
Please note I have been to XXXX different branches, cause the branch in my town is always closed ; I have made well over XXXX calls to the bank and the different depts. only to be placed on hold for several hours, as I was trying to get information on what happened to my account and why, but never could reach a resolution. Every time I went to a branch they would give me a print out, but it wasn't in chronological order, I had a very hard time making sense of it all. Also there were credits showing for XXXX different amounts, but the credits didn't reflect in my balance as the bank/branch manager, XXXX XXXX told me when my neighborhood branch was finally opened on XX/XX/XXXX. Upon hers and the fraud depts. investigation, XXXX XXXX told me that this was definitely a Bank Error and that the account was closed in error as well, but the direct deposit I have from the government forced my account open, and that I didn't have to worry about that anymore. The money for the XXXX reversed payments would go back to the venders within XXXX to XXXX hrs. I asked for a letter cause the XXXX XXXX was getting ready to repossess my car. She said she'd have the letter and my statesmen 's by closing that day and she would text me when the items were ready for pick up, she was unable to fix the other issues with my card and online app. 
The bank was closed by XXXX that day, I received no text or call from the manager nor has she responded to my calls or texts. Even other Branches couldn't get ahold of her. 
TO DATE : I have received no documentation, statements or credits to vendors were not made either. But I did receive a notice in the mail today that the company for my hearing aids ( part of my XXXX ), have not received the XXXX or XXXX payments as the " BANK '' refused to pay the automatic payment I set up for this vendor as well. Don't know where that money. No credit was ever made from the XXXX payment, unless it show on one of the statements I have yet to receive...

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