Consumer complaint received 2015-07-16
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My employer XXXX XXXX XXXX offered a health savings account to help cover deductibles and expenses related to health care. The account was to be handled by XXXX XXXX. About XX/XX/XXXX I was informed that the account will no longer be served by XXXX and will now be serviced by Bank of America. There was to be a XXXX week freeze placed on the account while things switched over. Upon receiving the Debit card from BoA I wanted to look at the Account to make sure the transfer was seamless as promised. After creating a password and logging onto the account I saw the funds that were remaining in the XXXX account were not credited to the BoA account. I called BoA and they said the funds were not transferred from XXXX, things were still being settled and to give it a few days. It was now XX/XX/XXXX. I went to log into my account to see if the funds had transferred over but was denied access, that the system did not recognize my login. I called BoA and was told it was a glitch they would wipe out my password etc, and create a new one. I did so, logged into the account only to see that the deposit from XXXX still was n't showing. Once again I was told it was XXXX, that the funds had not been sent. I called XXXX who said the funds had been released weeks ago. I called BoA back, did a XXXX way call with the representative from XXXX on the line who confirmed to the BoA rep that the funds had been sent on XXXX/XXXX/15. We were put on a brief hold and the funds suddenly showed up in my account. A few days later another direct deposit was due to arrive in the BoA account. Having already had trouble with them I attempted to log onto the account and confirm it was credited correctly. Again there was a problem logging in, this time the picture pass on the account did not match the picture I selected. This happens XXXX more times. Meantime I went to the Doctor, and tried to pay them using the Debit Card I got from BoA. The debit card from BoA did n't come with a PIN number so when I tried to use it, it was declined. We tried to run it as credit and it was still declined. I paid them using a different credit card. Now I 'm totally fed up with Bank of America and I want to close the account. I call and tell them I want to close the account. I 'm then told it 's {$25.00} to close the account! I say wait, there is nothing in The account agreement you sent me that says anything about a {$25.00} fee to close the account. The rep tells me, that information is available " online ''. I tell the rep, I did n't start this account online, in fact I did n't start it with BoA at all and had I known there was a {$25.00} fee close the account I would n't have started it with them or any other Bank for that matter. I ask that they waive the fee, it 's one thing if I started the account online where I could see this charge, but if my account was transferred to them, not of my own doing and they did n't even see fit to put the fee in their disclosure, why am I being held to such contract? Of course they would n't or I would n't be filing this complaint. I feel their actions are down right criminal. I have a debit card that is basically useless. I could n't use it to reimburse myself money I spent on because it 's not accepted at ATMs because it has no PIN number. They tell you run it as credit only for it be declined, not to mention not all establishments allow that. Some places as soon as you swipe it registers as a debit card and you do n't have the option to run the card as credit. How does a Bank have the Authority to tell you where you can spend your money, and then when you disagree with their policies and choose to end the relationship, they want to charge you {$25.00} to give your money back to you? Criminal!