Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
CFPB Follow-Up Statement Retaliation and Account Restrictions ( Updated XX/XX/year> ) This is regarding incident happened on XX/XX/XXXX - Date has been written wrong in previous explanation by mistakenly did not realize it as well. 

I am submitting this update to provide additional details about the ongoing retaliation and account restrictions I am experiencing from Bank of America. 

On Saturday, XX/XX/year>, the bank sent me multiple account closure notices early in the morning. 
However, I only discovered these messages later in the afternoon after XXXX XXXX, when all branches were already closed and no assistance was available. 
This timing effectively left me helpless for the entire weekend. 
I later found additional closure notices inside my online banking Statements section, not sent directly to my email. 

On Monday, XX/XX/XXXX, I went in person to the XXXX XXXX XXXX XXXX to seek clarification. 
The branch staff informed me that all of my accounts were now under restricted status, meaning I could not access funds, make withdrawals, or process payments. 
I received no written explanation and no follow-up to the multiple emails I had already sent to customer care and the branch manager.

As a result, several of my automatic payments could not be processed. 
Today, my payment to XXXX XXXX XXXX was rejected by the bank, and I have been told I will be charged an additional {$40.00} insufficient funds fee. 
Other scheduled payments will likely fail as well, creating additional financial penalties that I should not be responsible for. 

In addition, I am on temporary XXXX following a car accident, and this situation has disrupted both my medical care and therapy schedule I had to cancel my physical therapy appointment today in order to visit the branch. 
The stress and uncertainty have worsened my medical condition and caused significant emotional distress. 

The bank also closed my mothers account, on which I am listed as a co-owner. 
That account needed to remain open so I could manage her credit card payments and cover any remaining balances while she is abroad. 
Closing this account appears to be an additional retaliatory action, as my mother had nothing to do with my prior discrimination complaint. 

Furthermore, my small business account was also closed, even though pending invoices and vendor payments were still expected. 
This has directly interfered with my ability to settle upcoming obligations and maintain my businesss good standing. 

All of these actions taken immediately after I filed discrimination complaints appear retaliatory and punitive in nature. 
They have caused both financial and emotional harm and disrupted my ability to meet basic needs. 
New Update XX/XX/year> Call with Bank Representatives At approximately XXXX XXXX today, I received a call from Jarred from the Bank of America, who gave me the phone number XXXX but did not stay on the line to assist. 

I then spoke with another representative named XXXX, from the XXXX Account Department. She stated that the call was being recorded. 
I responded that I was also recording for my own records ; he then said, You can not record this call, otherwise I will not provide any information. 
When I tried to explain my situation, she refused to listen, abruptly hung up on me, This interaction demonstrates a continued pattern of hostility, obstruction, and refusal to communicate in good faith with a XXXX customer attempting to resolve ongoing issues. 

These actions likely violate the following laws : Consumer Financial Protection Act ( 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) ) prohibiting unfair, deceptive, or abusive acts or practices by financial institutions ; Americans with Disabilities Act ( 42 U.S.C. 12203 ) prohibiting retaliation or interference for asserting disability-related rights ; California Unruh Civil Rights Act ( Civ. Code 52 ) prohibiting discrimination and retaliation by any business in the state.

I respectfully request that this update be added to my case record.

Bank of Americas conduct has placed me under extreme stress, financial hardship, and emotional strain. 
I ask that CFPB review this as a matter of retaliatory account action and ensure my accounts and access to disability income are restored as soon as possible. 

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 explanation