Consumer complaint received 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Subject : Formal Request for Immediate Clarification and Action Hold Harmless Letter / Estate Account Case # XXXX Dear XXXX XXXX and Bank of America XXXX XXXX Department, I am writing in reference to your letter dated XX/XX/XXXX, regarding Case # XXXX, signed by XXXX XXXX XXXX, XXXX Banking XXXX, Regulatory Complaints. In that correspondence, Bank of America stated that it is unable to provide the Hold Harmless Letter requested by XXXX XXXXXXXX, which is required for the release of a {$10000.00} check ( Check # XXXX ) issued in my name. 

This matter is directly related to the case filed with the Consumer Financial Protection Bureau ( CFPB ) under Case # XXXX, where all supporting documentationincluding the court order granting me the estate rights to the referenced accounthas been properly submitted and verified. 

I must express my deep concern that the response provided by XXXX XXXX does not reflect a review of the full case record. The court has already appointed me as the legal representative and owner of the estate associated with the Bank of America account # XXXX, from which the check originated. Consequently, under the authority of the court order, I am the lawful estate holder and the rightful beneficiary of these funds. 

It is therefore unclear and legally inconsistent for Bank of America to state that it can not provide information or take any action because you are not authorized, when : Bank of America already holds the full court documentation confirming my appointment as estate executor and legal successor. 

The account in question has been closed since XX/XX/XXXX, and the check was issued in my name. 

The only remaining requirement for XXXX XXXXXXXX to release the funds is the Hold Harmless Letter from Bank of America. 

By refusing to issue or transmit this standard letter, Bank of America is effectively obstructing my lawful access to estate funds already recognized by court order, thereby causing unnecessary delay, financial harm, and emotional distress after nearly two years of continuous efforts to resolve this matter. 

I respectfully request that Bank of America provide a clear written explanation addressing the following : On what legal or procedural basis does Bank of America claim that I am not authorized, given the existence of a valid court order and all estate documentation in your possession? 

Why has Bank of America failed to provide or transmit the requested Hold Harmless Letter to XXXX XXXXXXXX, despite multiple formal requests and written confirmation from XXXX XXXX that this is the only outstanding requirement? 

As previously documented, I have personally visited the XXXX branch no fewer than four times, and I have contacted multiple departments ( Business Accounts, Customer Service, and the XXXX Department ) without resolution. 

I therefore demand immediate corrective action as follows : 1. Issuance or delivery of the Hold Harmless Letter to XXXX XXXX, AND 2. Provision of a copy of said letter directly to me, so that I may deliver it personally The continued withholding of this document constitutes a direct impediment to accessing legally owned estate funds. 

I appreciate your immediate attention and written clarification regarding this issue.

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