Consumer complaint received 2023-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX XXXX
bank of america debit card accounts ending XXXX XXXX XXXX
debit card ends XXXX

can you look into your system if anyone with the email address XXXX ever contacted you.  I first opened my bank of america bank account at branch in zip code XXXX on XXXX XXXX XXXX XXXX XXXX  new york state.  I have a question, bank of america is a financial institution in the united states correct..i will attach proof of me being XXXX and as a us govt agency that unlike fdic of sec, you deal with everyday situations and i will probably forward this to your inter governmental people but today I went to use my debit card for a 50 dollar charge.  the first two attempts i was told declined, so i call the XXXX  bank of america and we go through all the, oh im sure im not the only one to ever bring this up but while on hold, the bank of america prompt tells you how, they use your voice to verify your identity.  so, oh but when i called first, the computer voice goes, weve noticed suspicious charges to your account, please verify the last five, which i did and after i did, the computer voice goes, if you were denied for a charge, you may now, re charge the items' and your card will work.  so i tell them that they can charge and they try two more times and still declined.  so i call again XXXX and after being told that since i verified my charges i can now use my card, im' told that I have a block by bank of america on both my accounts with them.  nat sec XXXX one! and secondly, i was told by talking to their fraud department, they wouldnt even tell me over the phone when they can and did verify who i am using my voice, they go, we cant tell you why bank of america did this.  so i started thinking, we cant tell you why bankofamerica did this, meaning do these phone operators work not for bank of america cause english is english and if they are employees theyd' say company policy or this or that but making bank of america into a third person, kinda weird..so im told, i need to go into a branch, which i did yesterday at or about XXXX XXXX XXXX XXXX XXXX XXXX location in XXXX XXXX  nevada...so i walk in with two state id's from new york stae and california, both of which state my name my dob and last time i checked cali and nys are still ones with one star each on our flag correct? no thats' not good enough of an id for them...i come in with two other ids' one is my XXXX  card which holy XXXX man i never bring this up but ill send you a pic mine says XXXX XXXX  XXXX. on the name portion, oh thats not id, my other card I brought was via XXXX XXXX XXXX, says XXXX XXXX  clearly im told thats not id so i was messing around on bankofamericas website trying to open a new account and they told me to go into a financial center and bring in govt issued ids' oh like new york and california, my ss card or "major retail store credit cards."  i guess XXXX and coinbase visa arent' retail credit cards huh?  im' not done i will also attach this one to this....i had another picture id but its a new york city photo id pass, for what you ask, i am XXXX and i sure walk and talk fine but I got hooked up with a disabled XXXX XXXX expires may of 2023, still valid id number XXXX and everyone of these godamn ids' link up to my bday and ss# but guys how the fudge do i have an account with them for over seven years, and to open an account dont you need to show and get verfied your ids' ss# all that stuff?  they wouldnt even tell me why after seven years oh god forbid call me or write me to tell me whats going on or guys ever since obama dont i have a right to appeal?  umm today when i left the branch, they only message i was told is , "dont worry theyll send you a check or two in two to three weeks." guys not only wasnt i told i can appeal, i wasnt told how i can appeal and i dont mean to sound cliche but i cant be the only XXXX XXXX XXXX XXXX XXXX area and another time when I realize, i dont have my email address tattood on my face, so this is you know its' so funny, yappin putin yapping all these dictators meanwhile in the usa how the hell does financial institution just close out someones account without first talking to them...cause if thyed look on my account several email adddresses listed and one is XXXX
so, i want you guys to do your jobs like i do mine everyday and if i were a judge, holy shit man, guys my money and i dont have access to it oh heres' the best part for now...after all this time, they go you need to verify who you are, me paying taxes every year but I got a better one...ask them investigate whether this is true or not...on valentines day evening I deposited into my checking account a check for eleven k and change...who was it from...well i had an account with XXXX and for whatever reason, i didnt' logon a certain amount of time so, whatever I had there went to the nevada unclaimed property...money was to XXXX XXXX...with my ss# - so to get that cash from the state of nevada, from what you know, would I have to prove who I am?  in that govt sort of way?  I will get some letter or something of when they sent me the money and they don't have to explain their methods of proving who I am but then ask bank of america if i didnt deposit a check to my savings account for 11+ grand to XXXX XXXX my home address and ask them who was the check from...game over!  i ask that you contact me at
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
i thank you in advance and i know its my fault, i should already of gotten
XXXX tattood on my face...be well stay healthy and happy...

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