Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX banks customer checks to myself rent checks I'm her landlord in XXXX XXXX starting in XXXX and she is still currently here of course. 
Ck no XXXX XXXX XXXX Ck no XXXX XXXX XXXX Written To Myself. 
I deposit XXXX like I normally do Via Mobile deposit I have the physical checks. 
On XX/XX/XXXX {$1300.00} was taken out of my Bank of America account where I deposited those checks from XXXX. 

I found out that Bank of America is holding {$1300.00} combined amount of two checks written to me and deposited in XXXX and XX/XX/year>. 

I spoke with the person that wrote the checks and she said those aren't the checks that she reported as fraudulent and she'll make sure that she calls XXXX and make sure that those are withdrawn from her case she did do that in a letter was sent to her and provided to me I have a copy of that letter. 

On XXXX I sent that email to XXXX XXXX XXXX XXXX XXXXXXXX XXXX dispute transaction proof ID XXXX XXXX XXXX Emailed that attention ID XXXX XXXX  XXXX XXXXXXXX XXXX I was pretty sure that this is going to be not handled correctly or in a timely fashion so I made an appointment to meet with XXXX at Bank of America on XX/XX/XXXX the next day which was Friday XX/XX/year> and handed him a copy and made sure he went online to make sure that the agents were indeed investigating that case and getting that removed from my account. 

What transpired was basically I am the victim but I'm being treated as a criminal for depositing money into their Bank so I have since had to make more phone calls to the fraud department I have spoken with XXXX in Florida at the fraud department XXXX case number XXXX XXXX XXXX case XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reaching out to XXXX apparently to get verification of this letter that we received through the US mail but to no avail today is XX/XX/XXXX t h. 

At this point I don't even care about the XXXX being deposited into my account I am closing all my accounts with Bank of America I'm closing my safe deposit box I'm going to also closeinh my dad 's accounts because I'm the executor of his accounts and my safe deposit boxs there as well under his name. 

so I am getting nothing but push back and treated like a criminal. 

so I might as well not be part of their banking system. 

I've since opened an account at another Institute and I want to close my accounts and whenever they decide to figure out what they're doing after I put in a suit against them for not complying with efaa expedited funds availability Act. 

I love the courts decide what to do with the XXXX that is owed me. 

The next phone call I made was to XXXX at the fraud department she reached out to XXXX XXXX XXXX XXXX said to XXXX that they're waiting on verification the statute States once the verification letter is in their hand they can not fault the depositor they must release the funds immediately and continue on with their investigation for their case I'll be if they may not be able to close the account for 90 days they certainly have to credit me the funds until they're investigation is complete this is a clear statute violation please advise.

Second violation was for t i l a no letter to me whatsoever the truth in Lending Act 12.u.s.c chapter 53 States if funds are being put on excessive hold the depositor is to be informed. I have yet to see anything and I've mentioned this to several customer service Representatives have not been followed here as well.

After I finish this report and entering this dispute with you I will be calling them once again and spending more hours on schooling Bank of America on banking laws. 

I am drafting a letter to the following XXXX XXXX chair of board and chief executive officer. 
Headquarters Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Also the same letter that I draft will be going to : XXXX XXXX XXXX XXXX XXXX, chief Operations Executive XXXX XXXX Business Banking ( I had buzz accounts as well im clising ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX consumer retail XXXX XXXX Chief people officer XXXX XXXX Chief risk officer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Global General Council XXXX XXXX XXXX of XXXX XXXX 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 monetary relief