Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
1 I am not the XXXX XXXX  ( XXXX ). It has been only about two years since I have made the US bank accounts. 
XXXX Since entry to the XXXX, I make the leases to rent my places to stay. 
3 All landlords I have made contracts required me to pay via XXXX for 1 ) deposit, and 2 ) monthly rent. 
XXXX XXXX ) deposit + XXXX ) monthly rent is paid in sum when I sign a lease. 
XXXX XXXX XXXX XXXX ( XXXX ; email : XXXX ; XXXX : XXXX ), whom I made a lease under XXXX XXXX XXXX XXXX multiple times with me, did not return my deposit of {$410.00} on XX/XX/XXXX. On XX/XX/XXXX, it was the day that the one-year-lease expired and I moved out to a new place. The lease started on XX/XX/XXXXXXXX  ( XXXX indicates, XXXX states the deposit would be returned via XXXX  ; XXXX lease term ). 
XXXX I called XXXX multiple times since XX/XX/XXXX. XXXX sent some playful text-messages ; e.g., you should be ashamed of yourself. He blamed the place dirty and he hired five people. But, the place had a plan to hire professional service for cleaning up because they did not clean up after whenever one-year-leases expired in recent few years. I was told about the plan six months before when I asked about the deposit to one of their friends, XXXX XXXX XXXX ( XXXX : XXXX ). I thought XXXX to be landlord, but it was found that XXXX had a mere role to communicate with me. Also, XXXX promised me to pay the deposit back since XX/XX/XXXX via multiple times of phonecalls ( XXXX  XXXX ). Both of them eventually blocked me after XX/XX/XXXX. 
XXXX I moved out of the place XXXX XXXX XXXX XXXX, XXXX, XXXX, on XX/XX/XXXX. New landlord also requires the XXXX payment. 
XXXX There are XXXX times of transaction to XXXX from me via XXXX from XX/XX/XXXX, to XX/XX/XXXX ( XXXX ). At the end of XX/XX/XXXX, XXXX should have returned the amount of {$410.00}. It is because deposit should be back pursuant to the lease ( XXXX : last page ). I did not get the deposit in all payment methods. 
XXXX I reported the transaction that I have made to XXXX via XXXX to Bank of America ( BoA : customer service telephone : XXXX ( XXXX ) XXXX ). They directed me to another line ; supposedly, a team that deals with XXXX. 
XXXX The recipient of the call from BoA looked like he made a report from me to be proceeded. The first complaint regarding XXXX was on XX/XX/XXXX. The transaction was one among XXXX ) {$400.00} made via XXXX  on XX/XX/XXXX, XXXX ) {$420.00} made via XXXX  on XX/XX/XXXX, or XXXX ) {$830.00} made via XXXX  on XX/XX/XXXX. 
XXXX I had a hard time find out the very transaction that is wrong among 1 ), 2 ), or 3 ) because the amount was the deposit, {$410.00} that I paid in lump sum with the first month rent in the beginning of the lease on XX/XX/XXXX. It was {$830.00} in total, via one transaction to XXXX via XXXX ( XXXX XXXX, the last page ). 
XXXX BoA told that 90 days are the regulation. That is, I can report only transactions made for the recent 90 days. For example, if I made complaint on XX/XX/XXXX, the transactions are up to those made since XX/XX/XXXX ; that doesnt cover the date on XX/XX/XXXX. Because the amount can be also from the amount of the monthly rent, that was made every month, I told BoA transactions that I have made later; such as XXXX on XXXX ) XX/XX/XXXX, or XXXX ) the other on XX/XX/XXXX ( XXXX ). 
XXXX XXXX times ( XXXX ), XXXX ), and XXXX ) ), the call-recipient from BoA all got my complaints, saying they left notes. However, their behavior was biased because they asked me, for example, you are reporting again? Which complaint you want ( because we know you are a cheater or whistleblower and we dont want to ruin our relationship with XXXX XXXX XXXX before I tell them any information. On XX/XX/XXXX, it amounted that they lied via call. A lie is that they said they would send me an email about XXXX and help me get my money of {$410.00} back within two days, or one week, or two weeks. The timing fluctuates. Nobody would believe. 
XXXX On XX/XX/XXXX, I found from BoAs branch in XXXX, XXXX, NY, that my XXXX was not possible to recover and the BoAs staff in a branch can not do anything with it. They told me to call BoAs direct telephone number for XXXX. I called on BoA on XX/XX/XXXX. The call-recipient said, you have established XXXX to another banks ( such as XXXX, XXXX, etc. )? 
XXXX Someday on XX/XX/XXXX, I found another bank account of mine, XXXX, XXXX XXXX ( XXXX ). 
XXXX I called XXXX. The staff at XXXX quickly identified me as if I know that blacklisted customer sniched by BoA, and said, did you make some suspicious requests many times? The staff at XXXX almost laughed on the phone. 
XXXX I think the staff from XXXX meant, the XXXX transactions that I have requested to my husband- XXXX XXXX XXXX XXXX XXXX because he owes me money and I am not staying with XXXX. 
XXXX I guess once BoA found that I had ability to use XXXX to another banks in the XXXX, they deliberately, and willfully searched my bank account information in XXXX. It was because I have made self-transactions between my accounts in BoA, and those in XXXX to pay for my education loan. I suppose BoA snitched to XXXX as if I am a suspect of stalking to request money that my husband owes me ; describing me as if I am a criminal. 
XXXX I think the BoA is retaliatory and go beyond their authority to surveil the private information of their customers. It is misappropriation of private information; such as bank account information of the customers on the other banks in the XXXX. I kindly request the legal grounds. 
XXXX I dont know any landlord that accepts cash instead of XXXX payments. So far, I am exceptionally requesting my landlord to accept cash whenever due dates come ( XXXX XXXX ).

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 explanation