Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
my closed bank 's funds that were hold. Entire month 's paycheck is not released. Can you check and let me know when i can expect? Also old account does not show up like you said but if i don't see old account how can i know what i have to get from bank? I screenshot everything yesterday when i was able to see just incase you guys do not transfer it over or fail to transfer on time thanks! Please let me know when i can expect this exactly. it's my entire pay check for XXXX and i have to pay credit card bills and so on. Please release and transfer it over asap. 
Honestly using XXXX  or other banks, I did not have this issue and this seriously makes me wonder what's wrong with BOA. I starved to death yesterday because when i call the banker over the phone she said i only need to bring 2 forms of id and i thought you would release it asap after seeing id. I had a history of creating BOA over online and used it without no issue. This seriously makes me want to report this issue to other places for BOA 's overly unnecessary security issue or what ever that you guys have done to me. I can't transfer to other bank without debit card activation and unlike XXXX  and other bank you won't let me activate card on phone or online which is ridiculous... I have a history of opening account with same address and even got bonus before so why i had to frozen my account like as if i were a XXXX? This is ridiculous act from wellknown bank. at first when my app gives me XXXX dollar and low balance notification i couldn't believe why it is happening because from XX/XX/year> to now there was no issue. I did not pay no body i did not use my account illegally so why frozen account couldn't be opened this is ridiculous banking experience. and you said it will be moved over yesterday at the spot i am talking to you and you changed word and it will happen today i am afraid this will prolong and take more than 1-2 days. IT's MY ENTIRE PAY CHECK YOU ARE HOLDING. BOA serivce needs to be improved to the level of wellsfargo or other prominent bank services. I can't understand why it took over 1 hours to deal with this, it seems like this is your first time seeing this and clueless about it. if you verify my id you should have just let me use my old account. It's not like i committed fraud. Why i had to recreate my account which took over 1 hour XXXX XXXX XXXX. Please release and move fund over within today or i will probably not deal with BOA unless absolutely necessary. So far it's the worst bank i ever dealt with in my entire life. You and your manager was clueless what to do and main bank just tell me to re open account for no reason? so frustrating. it's not like i am XXXX why you freeze fund and unavailable to move over? 
this is disasterous i can't recommend BOA to anyone. Please keep your promise and move funds over within today. Adv safe balance banking last 4 digit XXXX fund of my direct deposit that was received from entire month 's payroll which is entire balance on checking account for XXXX is not moved over to my new account.Please make my previous closed account can be shown in my online banking. Now it seems like you are trying to delete record of freezing my account without notice without valid reason. I will report this to CFPB and XXXX  if you don't move fund asap. Stop stealing innocent civilians money and give it back immediately is that difficult? " If you can not resolve the issue with the bank directly, you can file a complaint with the Consumer Financial Protection Bureau ( CFPB ), which requires a timely response from the bank. You can also file a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX says If Bank of America froze your account without notice, the most immediate steps are to contact the bank to identify the reason and to update any direct deposits and payments. Banks are permitted to freeze accounts without warning, particularly if they suspect illegal activity, fraud, or violations of their terms and conditions. 
Potential reasons for an account freeze Suspicious or unusual transactions : If your account shows activity that doesn't fit your normal pattern, such as sudden large deposits or withdrawals, or transfers from high-risk sources, the bank may freeze it to prevent fraud. Informing the bank of international travel in advance is one way to prevent freezes. 
Legal action : A creditor, the IRS, or another government agency can obtain a court order to freeze your account to collect unpaid debts. 
Misrepresentation or policy violations : Giving false information when opening your account or violating the bank 's policies can lead to a freeze. For business accounts, using services like third-party wire transfers can also trigger extra scrutiny. 
Repeated overdrafts : Continually overdrawing your account can signal financial risk to the bank. 
Inactivity : An account with no customer-initiated activity for an extended period, typically around three years, can be classified as abandoned and subject to state escheatment laws.

None of the above so you illegally frozen my account and closed my account. this is whole another level of ridiculousness. I withdraw XXXX to my another bank with XXXX and created bill pay for myself what's wrong with that. why did you freeze my account. I am from XXXX XXXX and has nothing to do with fraud or XXXX activity. This is ridiculous. Why you couldn't move fund over on the spot yesterday. If i don't have other bank account how are you going to let me live without entire month 's paycheck? This is ridiculous.

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