Consumer complaint received 2026-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Product/Service Category : Checking Account / Problem with a Fraud Alert or Closed AccountComplainant : XXXX XXXX ( Resident of XXXX, XXXX affected at second home in XXXX ) Statement of Facts and Gross Technical Negligence : I am a XXXX, XXXX XXXX, and XXXX with a XXXX XXXX XXXX XXXX XXXX XXXX I am filing this formal complaint against Bank of America for gross negligence, severe operational incompetence, and a total failure of fiduciary duty regarding a completely incorrect fraud assessment that has caused catastrophic disruption to my household. Over a period of several weeks, Bank of America 's Fraud Department unilaterally froze my assets, locked my outgoing payment channels, and ultimately forced the closure of my accounts. The sole justification provided by Bank of Americas fraud team was that my online banking login logs displayed an IP address originating from XXXX, Connecticut, while I was physically located at my residence in Vermont. Bank of America definitively asserted that my phone had been " cloned '' or was " corrupt. " This assessment demonstrates a shocking, complete lack of basic technical competency by Bank of America 's automated algorithms and security personnel. My mobile device utilizes XXXX XXXX infrastructure. As a standard industry practice, cellular service providers dynamically route XXXX XXXX XXXX data through XXXX XXXX XXXX infrastructure XXXX. My devices presence on the XXXX, CT XXXX XXXX is standard carrier routing for the XXXX XXXX region, not a security exploit or a cloned device. My phone and connection were 100 % secure from day one.Itemization of Material and Emotional Harm : Forced Data Destruction : Relying entirely on Bank of America 's definitive, official, and erroneous declarations that my device was compromised, I was forced to execute a complete hardware factory wipe of my phone. This resulted in the permanent loss of unbacked data and hours of grueling manual credential resets. Financial Sabotage and Defamation : By freezing my outgoing payment channels based on a false positive, Bank of America directly caused multiple legitimate, pre-authorized ACH transfers and outstanding physical checks to bounce. By returning these items marked as restricted or insufficient, Bank of America defamed my character and financial standing to creditors and vendors.Severe XXXX XXXX : The humiliation, severe XXXX, and sleep deprivation caused by having a XXXX XXXXXXXX financial history dismantled by institutional incompetence has inflicted immense pain and profound emotional discomfort upon my wife and me. Requested Resolution : As Bank of America was 100 % incorrect in its fraud assessment, I demand federal oversight to compel the bank to execute the following : A complete, line-by-line reversal and waiver of all internal or external fees, penalties, and merchant charges resulting from the bounced checks and frozen ACH channels.Direct intervention to ensure Bank of America does not issue a negative closed-account report to XXXX or XXXX XXXX XXXX ( XXXX ), which would damage my primary banking status in Florida. A formal, written acknowledgment of their technical error and a meaningful settlement offer for the severe emotional XXXX and operational burdens forced upon my household. 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 non-monetary relief