Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Corporate Secretary : Bank of America Corporate Bank of America Corporate Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Friday, XX/XX/XXXX To whom can correct this serious issue : Hello my name is XXXX XXXX XXXX and I have been a Gold preferred Member for almost 40 years. 
On XXXX XXXX I went into my local branch in XXXX XXXX Florida XXXX. I was greeted by XXXX XXXX, XXXX XXXX and XXXX XXXX. XXXX asked me what I was in for and I asked him to speak in private but he continued to push the conversation in the open lobby. I explained to him my son is in a treatment center and will be there for the next XXXX years. I told him I was holding a {$4500.00} check made out to my son from XXXX XXXX which was his XXXX. I also explained I have a legal Durable Power of Attorney in the XXXX of Florida, an affidavit as to the facility my son is in, his social security card. He then said you would need an appointment but its a lot more difficult coming into the branch, so he stated why dont you go home and open an account online. I then proceeded to ask that I could do this and he responded with you can do anything online. 

I left the bank and went home and proceeded to set up the account with my sons information and after all the steps an account opened ; # XXXX. We got a routing number and a XXXX code for a debit card that I received an email stating it is being sent out. Now that the account was opened, we XXXX in {$25.00} into the account from XXXX of our other Bank of America XXXX. Once we got confirmation, I then tried to deposit the large check by just signing for XXXX Only, as per XXXX directed me to do but the check was too large. I then proceeded to return to the XXXX and it was about XXXXXXXX XXXX XXXX  XXXX was still there. 

I explained to XXXX I was able to open the account and XXXX in money and told him the check was too large to deposit online through app. He stated I glad it worked and come with me to teller. He asked for the account number which I gave and he directed the teller to deposit the check into this account. I have the deposit slip and the time was XXXX and XXXX # XXXX, posted XX/XX/XXXX. 
I went back home called up the account and saw the {$25.00} balance from the XXXX in money and saw the Check for {$4500.00} on hold until XX/XX/XXXX when it clears. The next day I wanted to check the account and found out the account was XXXX. I called security and was told I was supposed to bring in proper ID and other documentation like our Durable POA. This is why I am very upset due to the fact we had all that information. 
On the next day both my wife ; XXXX XXXX and myself went back to the bank and XXXX was there. We explained what was going on and asked him why he steered us away from doing the process correctly and he stated I thought we could trick the system. 
At that point he said I am not going to argue with you and we asked now what? He stated once the check clears the Bank will send you back a Bank Check in our SXXXX name and would take up to 14 days. 
My son needed this money now its in limbo. What do we do after such a non-professional act was done to us as such long-time clients; including in XXXX XXXX XXXX We really wanted this to be in the bank we have been with for so long. 
What is going to be done to expedite the check back to us or how can we get this set us asap as BA Account.

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