Consumer complaint received 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Second CFPB Complaint Unresolved Bank of America Reporting and Account Closure I am submitting this as my second complaint regarding an issue that remains completely unresolved. Please refer to my previous CFPB complaint, Complaint # XXXX, for the full background and supporting details. I have been actively working with Bank of America to resolve a wrongful account closure and reporting issue that resulted from a misunderstanding involving my employer and payroll transactions. My employer has already provided a signed and notarized statement/oath confirming that the situation was an accident and that no fraud or wrongdoing occurred on my part. Despite providing this documentation and other supporting evidence, Bank of America closed my account and reported information to XXXX XXXX XXXX ( XXXX ). As a result of this reporting, I have been unable to open a bank account elsewhere. This has created severe financial hardship and has significantly impacted my ability to manage my finances, pay bills, and access banking services. I am currently holding a check containing the remaining balance from my closed Bank of America account, but I am unable to deposit it because I continue to be denied banking services. What is especially concerning is that I received a written response from Bank of America stating that they had confirmed information from my account is not being reported. However, after speaking directly with XXXX XXXX XXXX, I was informed that Bank of America did in fact report information regarding my account. These statements directly contradict one another, and I am extremely frustrated by what appears to be inaccurate information provided by the bank. I have also spoken with a Bank of America representative who stated that she would work hard to have this matter corrected and removed if appropriate. However, despite multiple attempts to contact the representative handling my case, including leaving several voicemail messages, I have not received any return phone calls. Instead, I received a letter that appears inconsistent with the information provided by XXXX XXXX XXXX. I respectfully request that the CFPB conduct a thorough review of this matter and require Bank of America to provide a clear explanation regarding : 1. Whether any information related to my account was reported to XXXX XXXX XXXX. 2. Why I received a letter stating that no information was being reported when XXXX XXXX XXXX advised otherwise. 3. Whether the reporting can be corrected or removed based on the documentation and evidence provided by my employer. 4. Why I have been unable to receive meaningful assistance or communication regarding the status of my case. This situation has caused significant financial hardship and has effectively prevented me from participating in the banking system. I am urgently requesting CFPB assistance and would greatly appreciate the opportunity to speak directly with a CFPB representative who can help review the facts and ensure this matter is handled fairly. Thank you for your time and attention to this complaint.

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