Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I AM {$16000.00} IN DEBT AND PAST DUE ON MY XXXX BILLS, AS BANK OF AMERICA CAN SEE IN THEIR RECORD, YES ONE BANK OF AMERICA CREDIT CARD AND XXXXNE CAR LOAN FORM BANK OF AMERICA, SO, IF BANK OF AMERICA CAN CHECK RECORDS FROM LAST SUMMER AND THE PAST XXXX OR SO YEARS PRIOR TO THAT, BANK OF AMERICA WOULD SEE I CARRIED AN XXXX XXXX XXXX FOR MANY YEARS, SO DOES SOMEONE LIKE ONE WHO HAS A XXXX XXXX TURN TO THIS KIND OF FINANCIAL CRISIS BY WAY OF XXXX SCORE, BY BULLING, THAT IS HOW, LIKE THE SORRY I AM ABOUT TO TELL IS SOMETHING I GET IN EVERY BUSINESS AORUND TOWN -- BANK OF AMERICA XXXX XXXX XXXX. 
XXXX XXXX, CA. XXXX ( XXXX ) XXXX -- ==ON THE AFTERNOON OF XX/XX/year> I DID GO TO BANK FO AMERICA TODAY, I HAD LOCKED MY DEBIT CARD, BECAUSE OF FRUDULENT ACTIVITY. WITH MY BANK OF AMERICA CREDIT CARD AND MY SAVING ACCOUNT, WHERE WITHDRAWS AND PURCHASES WERE MADE THROUGH THE SAVINGS ACCOUNT. SO I DECIDED WHY NOT LOCK THE DEBIT CARD BECAUSE IF THERE IS FRUADULENT ACTIVITY IN CREDIT CARD AND SAVING WHY NOT FUTURE POSSIBLE FRUADULENT ACTIVIYT IN CHECKING, THORUGH MY DEBIT CARD? SO XXXX FRAUDULENT ACTIVTY WITHDRAW ATTEMPTS WERE THROUGHT XXXX XXXX AND I HAD NO CONRTOL OVER THAT THE XXXX AT XXXX XXXX, HAVE HAND CONTROLED, THE WITH RAW AND A PURCHASE THROUGH, THERE WEBSITE. SO LIKE I SAID, I DO NOT HAVE, AND NEVER HAD AUTO PAY THROUGH MY SAVINGS ACCOUNT AND I NEVER HAD A PURCHASE OUT OUT OF XXXX XXXX THROUGH MY LINKED BANK OF AMERICA XXXX ACCOUNT. SO LIKE BEFORE. THIS SAME INCIDENT HAPPENED WHEN I WTHDRAW AND A FEW OTHER WITHDRAWS THROUGH XXXX XXXX AND OUT OF MY LINKED BACK OF AMERICA SAVINGS ACCOUNT. I SAID WHEN THAT HAPPENED BEFORE THAT TRANSACTION SHOULD HAVE BEEN DECLINED FOR LACK OF FUNDS, YOU DO NOT WITHDRAW FUNDS OUT OF A CLIENT CUSOTMERS, ACCOUNT IF THEY DO NOT HAVE ANOUGH FUNDS IN IT. SO NOT ONLY DID I NOT HAVE AENOUGH FUNDS IN MY BANK OF AMERICA XXXX I DID NOT HAVE OVERDRAFT PROTECTION, I KNOW I WOULD NEVER SIGN UP FOROVER DRFAT PROTECTION, BECAUSE OF THIS REASON HERE THAT MIGHT BE GOING ON, AND THIS REASON IS THAT MY SAVINGS ACCOUNT IS AT A NEGATIVE, THAT SHOULD NOT BE, BECAUSE AM NOT ONE TO SIGN UP FOR OEVER DRFT PROTECTION, AS YOU CAN SEE WHY, SO MANUALLY SETTING UP A CUSOTMERS/CLIENTS OVER DRAFT PROTECTION SOUNDS FRUDLULENT AND EVEN MORE SO, BANK XXXX. SO THIS XXXX XXXX  AND BANK OF AMERICA ARE ONE WERE I AM HAVING LOG IN ISSUES AND CONFRIMITION ISSUES OF WHO I AM, THAT IS WITH PHONE NUMBERS, CREDIT CARDS AND WHAT NOTS. SO MY LIFE IS A MESS, AND AS YOU CAN SEE, A TERRIBLE MESS. THIS IS WHY I WENT INTO BANK OF AMERICA TODAY, MY MOM GAVE ME A CHECK, AND THERE IS NOT WAY TO CASH IT WITH BANK OF AMERICA, WITH THAT CARED LOCKED. SO I HAVE TAKEN MONEY OUT OF THE ATM WHEN IT WAS LOCKED, BUT WITH THIS STRANG AND UNPROTECTABLE WORLD I AM FORCED TO LIVE IN ; I DID NOT WANT TO CHANCE IT, THE CHECK GETTING LOST IN THE ATM, IT HAS HAPPEED TWICE BEFORE. SO I WENT INTO BANK OF AMERICA TODAY, SAID I WANTED TO CLOSE MY BANK OF XXXX CHECKING AND SAVINGS ACCOUNT BECAUSE I AM HAVING LOG IN PROBLEMS AND CONFIRMATION PROBLEMS, AND I ASK ONE OF THE BANK STAFF MEMBERS THAT IS WOULD BE A GOOD IDEA TO JUST CLOSE IT, SHE DID ASK ME TO COME BACK AT XXXX AND MY PLAN CHANGED TO WANTING TO OPEN A WHOLE NEW ACCOUNT WITH A NEW USER NAME AND PASSSWORD SO, I CAN GET AWAY OR RUN AWAY FRONM THIS LOG IN AND CONFIRM MY ATTENTITY PROMBLE. SO BEFORE I CAME BACK DURING THE FIRST VISIT ME AND THE BACK STAFF MEMBER, AGGREED THAT I WOULD XXXX MAKING PAYMENTS, THAT IS WHAT SHE WANTED ME TO DO AGGREE TO THAT, BUT I DID NOT THINK STRIGHT AND SAID I WELL TAKE CARE OF IT WHEN I GET A CHANCE, AFTER I LEFT AND BEFORE I CAME BACK I TOLD MYSELF THAT COMING UP WITH A PLAN TO PAY OFF MY OVER DUE DEBT OF CAR LOAN AND CREDIT CARD. ANY WAY THERE WAS SOME CONFUSION WHEN I GOT BACK THERE THE SECOND TIME AND I DO NOT KNOW WHAT HAPPENED, I TOLD THEM THIS KEEPS HAPPENIG AND I DO NOT THINK IT IS FAIR FOR SOMEONE TO CALL UP A PLACE OF BUSINESS AND GET PEOPLE TO PLAY PRANKS OUR JUST BE MEAN OR WHATEVERELSE IT COULD BE, SO I TRIED AND CONTINUED TO MAKE AND EFFORT GET THROUGHT TO THE XXXX BANK STAFF MEMEBERS AND I WAS FIALING TO DO SO, BY THE MINUTE. SO, THERE IS SOMETHING GOING ON AND I THINK IF IT IS ABOUT MY BANKING I SHOULD NOW ABOUT, AND WHAT THAT BEING SAID OF THE BANK SHOULD TELL ME, IF I NEED TO KNOW SOMETHING ELSE THIS IS MORE CHILDISN GAMES I BEEN THROUGH OR GET PUT THROUGH AND LEAVING ME NIAVE TO WHAT IS REALLY GOING ON BEHIND MY BACK AND IN FRONT OF ME, SO SAD, I ALWAYS BELIEVED IN THE BRAND BANK OF XXXX AND STAYED WITH IT FOR MANY YEARS, HAVING ACCOUNT WITH BANK OF AMERICA MAKES ME FELL LIKE A PATRIOT, ENOUGH SAID. SO JUST BECAUSE SAYING THAT I WANT TO WITHDRAW ALL MY MONEY AND CLOSE SAVINGS AND CHECKING DOES NOT MEAND I LOVE THE BRAND BACNK OF XXXX ANY LESS OR NOT AT ALL. IT MEANS I AM IN A WORLD OF TROULBES AND BACKING IS XXXX OF THEM HERE IS TO WISHING AND PRAYING SOMEONE WILL SEE MY OUT FO THIS TERRBLE MESS OF THIS WORLD I LIVE IN? WHAT EVER HAPPENED TO THE " ORGINARY WORLD '' XXXX XXXX XXXX XXXX ( THE LAST VERSES ) SO I AM OFF TO PLAY XXXX IF FEELS GREAT THIS EVENING. GOOD TIMES!!!

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