Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Dear Bank of America Escalations Team, I am writing to formally escalate a critical request for official banking records. I am currently engaged in a severe regulatory dispute with XXXX XXXX regarding misapplied and uncredited funds. Because XXXX XXXX is explicitly denying receipt of thousands of dollars that successfully cleared my Bank of America XXXX XXXX Banking account ( ending in XXXX ), standard bank statements are no longer sufficient for my legal counsel or the Consumer Financial Protection Bureau ( CFPB ). Under the Bank Secrecy Act and Regulation E, I am legally entitled to the Federal Reserve tracking data for my outbound transfers. I formally demand the 15-digit ACH Trace Numbers ( XXXX ) and the receiving destination routing/account details for every transaction listed below. Please provide the official trace IDs for the following cleared payments : SECTION 1 : The Disputed XXXX XXXX Credit Card Payments ( Critical Priority ) XX/XX/XXXXXXXX : {$5900.00} ( Automatic Payment ) XX/XX/XXXXXXXX : {$6000.00} ( XXXX XXXX Payment - Uncredited by XXXX XXXX XXXX XXXX XXXX : XXXX / Rent ACH Transfers ( Processed via XXXX XXXX XXXX XX/XX/XXXX : {$5700.00} XX/XX/XXXX : {$5700.00} XX/XX/XXXX : {$5700.00} XX/XX/XXXX : {$5700.00} XX/XX/XXXX : {$5700.00} XX/XX/XXXX : {$5700.00} XX/XX/XXXX : {$550.00} XX/XX/XXXX : {$6100.00} XX/XX/XXXX : {$6100.00} SECTION 3 : XXXX XXXX XXXX Loan Drafts Please provide traces for the following to rule out cross-account contamination by the receiving institution. XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$500.00} SECTION XXXX : Historical & Recent XXXX XXXX Credit Card Payments XX/XX/XXXX : {$150.00} XX/XX/XXXX : {$5700.00} XX/XX/XXXX : {$5700.00} XX/XX/XXXX : {$6000.00} XX/XX/XXXX : {$6100.00} XX/XX/XXXX : {$6000.00} XX/XX/XXXX : {$5700.00} XX/XX/XXXX : {$5600.00} XX/XX/XXXX : {$5600.00} XX/XX/XXXX : {$5600.00} XX/XX/XXXX : {$5900.00} XX/XX/XXXX : {$5900.00} XX/XX/XXXX : {$6100.00} ( AutoPay Attempt ) XX/XX/XXXX : {$6100.00} ( AutoPay Retry ) XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$380.00} XX/XX/XXXX : {$380.00} XX/XX/XXXX : {$380.00} XX/XX/XXXX : {$380.00} XX/XX/XXXX : {$380.00} XX/XX/XXXX : {$380.00} A previous representative incorrectly informed me that because a claim was opened, trace IDs are " removed from the list. '' That is a violation of federal record retention laws. Filing a dispute does not erase a transaction from the Federal Reserves network. I require this official trace report to be generated and provided to me in writing immediately. If Bank of America continues to withhold this documentation, I will file a formal complaint with the Office of the Comptroller of the Currency ( OCC ) regarding the bank 's refusal to provide transaction records during an active federal dispute. Sincerely, 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 monetary relief