Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint regarding Bank of Americas handling of a check deposit and the lack of customer service, transparency, and escalation support that followed. I deposited a check with Bank of America and was told that the funds would clear within one business day. Based on that representation, I reasonably expected the funds to become available after the stated clearing period. However, on the day the check was supposed to clear, Bank of America placed an additional hold on the funds for another seven days without providing a clear explanation, meaningful assistance, or a timely resolution. This created a serious hardship because I was relying on access to these funds after being told they would clear. After the additional hold was placed, I asked whether Bank of America could release at least a portion of the funds, such as half or even one-quarter of the deposit, while the remainder stayed under review. I did not receive a reasonable response or any meaningful explanation as to why a partial release could not be considered. The customer service experience made the situation worse. I attempted to speak with a representative for approximately two hours and was not allowed to reach someone who could properly assist me. I was also told that no manager was available. This left me without any practical way to escalate the issue, understand the reason for the extended hold, or receive help with the financial hardship caused by Bank of Americas decision. I believe Bank of America failed to provide clear communication, adequate customer service, and proper escalation options. I am requesting a formal review of this matter, including : 1. A written explanation for why the check was initially represented as clearing within one business day ; 2. A written explanation for why an additional seven-day hold was placed on the funds after the expected clearance date ; 3. A review of whether Bank of America followed all applicable laws, regulations, and internal policies regarding check holds and funds availability ; 4. Immediate release of the funds if there is no lawful or valid reason for the continued hold ; 5. Consideration of a partial release of funds if the full amount can not be released immediately ; 6. Reimbursement of any fees, financial losses, or hardship caused by the delayed access to my funds ; 7. Confirmation that this complaint has been escalated to a supervisor or executive-level complaint resolution department. I also request that Bank of America preserve all records related to this matter, including deposit records, account notes, call logs, customer service communications, hold notices, internal decision records, and any recordings of calls or branch interactions. I am not simply upset about a delay. I am concerned that I was given one expectation, then faced a new hold without proper explanation, while also being denied reasonable access to support, escalation, or a manager. This is unacceptable customer treatment, especially when a consumer is relying on deposited funds and the bank has already communicated an expected clearance timeline. I am requesting a prompt written response and immediate review of this matter.

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