Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I went into a branch to acquire a cashier 's checkfor {$2500.00} at XXXX XXXX XXXX XXXX, XXXX. Sc. I was asked for a debit card, but no primary form of id. I asked the teller is she needed my id and was told no, they are not required to ask for an id. I left the branch as this is not the first challenge I have had there. Typically they require an id, debit card AND pin from a phone text. They historically have made it extremely difficult to access an account including telling me my XXXX Government issued Passport was not a secure form of id to make a {$20.00} withdrawl ... but now somehow a debit card is that they have not kept secure. I have had multiple issues with fraud and for a significant period of time kept no debit card for this account because of it. This was an additional reason they made it difficult to access my account without one. Honestly, it is because after federal regulation E was passed if we do not have a debit card they loose their primary way to make money off of consumers through shadow revenue/merchant services. I contact customer service to file a complaint and verify this policy. I was told they are not required to ask for an id with withdrawals or cashier transactions and it was just like using an ATM. ATMs have {$500.00} daily limits... I then went to a second branch. They asked for my debit card and then my id. I said thank you to the teller and told her they told me an id was not required at the last branch. She stated " I always ask ''. So she required more than their policy. She then proceeded to tell me that the debit card was an id. I explained it is not a primary form of id as it is not government issued, does not have a picture nor a date of birth. She insisted and I shut the conversation down and proceeded to close my account. Then the retail associate who began closing my account, XXXX XXXX, attempted to refuse because I did not want to give them data as to why. To mark I refuse or decline to answer. She again asserted they require it to close my account. I indicated me standing here stating I want to close my account should suffice. It is as simple as because I want to. She then began asking if I had payments scheduled to be deposited or withdrawn and I said that I would handled own personal accounts associated with this account to proceed with closing the account. That it was not relevant information needed to close the account and place their code to ensure no further deductions, ach or otherwise, came from this account after closing She was rude and said " I would think it was relevant ... '' and I assertively indicated again that I would handle my own personal accounts and to place the stop all payments code. Upon receipt of closing documents instead of placing this code, she left the account vulnerable to overdraft and further deductions by selecti.g I told her there were no pending transactions. I never stated this and the account is not officially closed and places consumers like me at risk for overdraft rather than declining and returning any payments. I have never opted into federal regulation E. She made sure to tell me my pension could be delayed because they would decline deposits. This is an unfair practice sought to gain profit at my expense of a closed account I have no access to review or monitor. This was the XXXX XXXX I am seeking enforcement of protection for account holders with requiring a primary id presented for transactions and that upon account closing I situations should have to return debits as well as credits rather than profit when consumers have no access to these accounts.

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