Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
SUPPLEMENTAL SUBMISSION Entity : Bank of America , N.A . 
Account : Business Checking ending XXXX Case XXXX XXXX XXXXXXXX Complainant : XXXX XXXX Purpose of This Submission This submission supplements ( and does not duplicate ) my previously filed CFPB complaint. It documents material post-complaint developments and clarifies additional Regulation XXXX compliance failures, procedural instability, and reliance-based business harm that were not fully developed in the original narrative. 



I. Underpaid Provisional Credit Attempt ( New Material Fact ) After the initial denial and false reconsideration representation ( XX/XX/year> ), Bank of America attempted to issue {$600.00} in provisional credit rather than the full disputed amount of {$1000.00}. 

I refused acceptance of the partial amount. 

During this interaction : A supervisor-level representative became confrontational. 
The call was terminated while I was seeking clarification. 
I immediately called back and filed a complaint. 
A Regulation XXXX specialist subsequently stated the full amount was required and would post same day. 
It did not post that day. 

Full credit was issued only after escalation. 

This reflects : Resistance to full compliance under XXXX C.F.R. XXXX ( c ) ( XXXX ) Misrepresentation of fund-posting timelines Procedural instability in provisional credit handling This sequence was not detailed in my original submission and is material to supervisory review. 



XXXX. Silent Reconsideration Failure Operational Impact Clarification As noted in my original complaint, I was told on XX/XX/year> that reconsideration was submitted. A later call confirmed it was not filed at that time. 

The addendum clarifies the operational consequences of that misrepresentation : I believed escalation was in motion. 
No internal action occurred. 
The account remained negative. 
Overdraft notices continued. 
Collections-style communications were sent. 

This created a procedural vacuum caused by affirmative representation followed by inaction. The instability was foreseeable and directly tied to XXXX  XXXX XXXX internal handling failure. 



XXXX. Immediate Withdrawal & Complete Operational Cessation ( XXXX  XXXX Evidence ) When finally informed funds were available, I : Immediately went to a branch, Withdrew the full amount, Transferred the funds to another institution within minutes. 

Following this event : I ceased using the Bank of America account entirely. 
No deposits were made. 
No business expenditures were processed. 
No vendor payments occurred. 
No revenue was routed through the account. 

This was abrupt and directly correlated to the provisional-credit instability and misrepresentations. 

This is not speculative harm it is documented reliance behavior resulting from loss of institutional trust caused by procedural misconduct. 



IV. Maintenance Fees During Constrained Dispute Status While : A Regulation XXXX dispute was active, Provisional credit had been mishandled, A preservation/legal hold had been issued ( XX/XX/year> ), Bank of America continued assessing monthly maintenance fees. 

I did not close the account due to reversal risk and ongoing dispute instability. Fees accrued during a bank-controlled delay period. 

This implicates unfair and abusive interference under 12 U.S.C. 5536 where the consumers ability to act is constrained by unresolved institutional noncompliance. 



V. Procedural Instability & Contradictory Evidence Review Additional clarification : Approximately XXXX pages of documentation were submitted. 
XXXX representative stated evidence was not reviewed. 
Another provided a specific review date. 
No written explanation of evaluation methodology was provided. 

These contradictions support XXXX concerns beyond mere error resolution. 



VI. XXXX XXXX XXXX ( Clarified ) Evidence submission Premature denial False reconsideration representation No reconsideration filed Underpaid provisional credit attempt Same-day posting misrepresentation Continued overdraft pressure Negative balance persistence Immediate withdrawal Complete operational cessation Maintenance fees during constrained state This sequence reflects systemic instability, not isolated servicing error. 



XXXX. Regulatory Implications ( Supplemental ) This submission supplements the previously cited violations of : XXXX C.F.R. XXXX ( Regulation XXXX ) 12 U.S.C. 5536 ( UDAAP ) 15 U.S.C. 45 ( a ) Credit-handling obligations related to hard inquiry practices The new material strengthens : Provisional credit compliance review Reconsideration processing audit Internal log and investigation integrity review Fee-assessment practices during unresolved fraud disputes Business-credit solicitation and denial practices

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