Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint Description : On the morning of XX/XX/XXXX, I was suddenly unable to access my Bank of America online accounts. When I contacted customer service, I was informedwithout prior noticethat all of my accounts were in the process of being closed due to unspecified recent activity that puts you or the bank at risk. I was told : The decision is final and irreversible.

I will no longer have online access to my funds.

All direct deposits and bill pay features will be terminated.

A check for the remaining balance would be mailed, but no timeline was provided.

I attempted to escalate the issue through Bank of Americas risk department, which filed a grievance, but I was told no one would follow up and the decision would not be reviewed further.

This closure has caused significant and immediate hardship. I am currently in escrow on a home and urgently need access to the funds in my Bank of America accounts to cover critical home-related repairs and expenses. The lack of access to my own money is severely disrupting my ability to meet escrow-related obligations.

This abrupt closure also appears to be part of a larger pattern of credit and identity-related issues Ive been experiencing, which I believe merit investigation. Below is a chronological summary : Chronological Summary of Credit and Identity Issues XXXX Legally changed full name ( first, middle, last ) upon marriage Updated name with the Social Security XXXX XXXX XXXX Updated legal name with Bank of America XX/XX/XXXX Updated legal name and possibly gender identity with XXXX XXXX XXXX loan servicer ) I identify as gender expansive and XXXX be listed as XXXX in some systems XX/XX/XXXX Bank of America credit card was closed without notice or explanation The post-closure letter cited " suspicious activity '' but provided no detail I had reviewed my account activity beforehand and saw nothing irregular Filed two CFPB complaints immediately afterward XX/XX/XXXX & XXXX, XXXX Denied a XXXX  credit card twice : First for insufficient credit Second for unsatisfactory closure of the Bank of America XXXX XXXX XXXX XXXX representative XXXX me I had been blacklisted by their risk department XX/XX/XXXX CFPB responded by forwarding my complaint to Bank of America Bank of America stood by their decision, offering no further explanation XX/XX/XXXX Present Began receiving dozens of credit card offers, statements ( including XXXX with a $ XXXX balance ), and debt collection letters for an unknown individual My landlord confirmed no one by that name has ever lived at my address I suspect my address is being used for synthetic identity or credit fraud XX/XX/XXXX Filed a mail fraud complaint with the XXXX. Postal Inspection Service Recent Attempt to Access XXXX  I was blocked from accessing my XXXX  report The system attempted to verify my identity using an email and phone number I do not recognize or control This raises concerns that my credit or identity profile has been compromised or contaminated Current Impact and Needs I am in escrow on a home and urgently need access to my funds in the closed accounts to complete critical repairs and expenses tied to the property My credit score has dropped more than XXXX points, despite no missed payments or known derogatory marks I can not access my Bank of America accounts or obtain a specific reason for their closure My credit reports show no clear evidence of fraud, yet I am being denied credit and flagged by multiple institutions I have been prevented from accessing my XXXX  report, further limiting my ability to understand or correct what is being reported

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