Consumer complaint received 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I never expected my peaceful life to be disrupted by banking woes. On XX/XX/XXXX, I discovered that my account had been closed without any prior notice. Confused and anxious, I had to talk to the banker. 
By XX/XX/XXXX, after much deliberation, I finally managed to change my address to XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX. With hope in my heart, I spoke to a banker who informed me that my account would undergo its first review until the end of the month. 
XX/XX/XXXX rolled around, and the banker confirmed my account had been officially closed on XX/XX/XXXX. Frustration brewed within me as I wondered why this was happening. Another update a few days later revealed that the bank was still reviewing my case, leaving me in a state of limbo. 
On XX/XX/XXXX, I made a call for updates. The banker informed me that they were now on a second review, confirming a balance of {$32000.00} in my checking account and a savings of {$300.00}. After cross-checking the last seven transactions from XXXX with a supervisor, I learned they were making progressmy information had been updated, and a check had been delivered to the check department, pending further action. 
Yet, as days turned into weeks, my frustrations mounted. By XX/XX/XXXX, the banker reiterated that they were still reviewing my case. On XX/XX/XXXX, a family emergency struck as one of my relatives was hospitalized. I immediately informed the banker, emphasizing the urgency of the situation and requesting that it be treated as an emergency. Can you take responsibility if something happens? I pressed, desperate for assurance. 
The banker confirmed the emergency status on XX/XX/XXXX, assuring me that the review was almost complete. Hopes were rekindled when, on XX/XX/XXXX, I heard a news that the review process was nearing its end. The banker even provided me with direct contact information for the Risk Management Team, indicating progress.

However, disappointment struck once again on XX/XX/XXXX when another round of updates revealed that my transaction memos had just been confirmed. By XX/XX/XXXX, the banker on the phone reported that the review had concluded as of XXXX XXXX there was no resolution within reach. 
On XX/XX/XXXX, when I called to check the status, the supervisor, XXXX, stated that it was still under review. Unbeknownst to me, this repetitive cycle would continue. Just a week later, on XX/XX/XXXX, I received the same disappointing update, leaving me feeling more powerless than ever. 
As I sat at home that evening, surrounded by uncertainty, I reflected on the struggles I faced not just with my account but the stress it placed on my family during an already difficult time. The waiting game had tested my patience, and with each passing day, my resolve was challenged further. 
In that moment, I vowed to take control of my situation, determined to navigate the bureaucratic maze of the banking system and secure the financial support I desperately needed for my family. 
The reason for sending less than {$5000.00}, divided by the XXXX XXXX XXXX 's policy, is that there is a limit of {$5000.00}. 
To ensure quick processing, I also provided the supervisor with the phone numbers of all the XXXX XXXX 
The bank has been holding my funds for over three months without any explanation or reason. Although my remittance records from XXXX have been confirmed and there appear to be no other issues, all I receive in response is a request to wait longer. 
If there are no other problems, I formally request the return of my money. 
Additionally, I XXXX XXXX XXXX XXXX XXXX. If you wish to speak with me, I will require an interpreter. If interpreter services are not available, please communicate with me via email or contact a family member who speaks XXXX. 

Here is my phone number : XXXX E-mail : XXXX Additional Contact XXXX : XXXX Additional Contact XXXX : XXXX ( Personal Information ) Name - XXXX XXXX Date Of Birth - XXXXXXXX XXXX XXXX  Passport No. - XXXX XXXX XXXX XXXX XXXX  Debit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX. - XXXX 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