Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I am filing this formal complaint against Bank of America for failing to properly investigate billing disputes, violating consumer protection rights, shifting investigative burdens to the consumer, and wrongfully refusing to close my account.1. Improper Investigation & Shifting Excuses on Hotel DisputeBank of America denied a dispute for a {$72.00} hotel charge for " services not rendered. '' Their handling of this dispute has been deceptive and contradictory. First Dispute : Bank of America claimed the charge was " valid, '' despite already having the exact dates of the alleged stay and being told I never used the room. Second Dispute : The bank reversed its excuse and denied the claim by falsely stating I " did not provide information. " This is completely untrue. I explicitly provided Bank of America with the hotel 's direct contact information. Under federal consumer protection laws, it is the bank 's legal obligation to conduct a reasonable investigation, which includes contacting the merchant when provided with their details. The hotel 's records clearly show I never checked into the property. Furthermore, I possess timestamped video evidence proving I slept inside my rental vehicle that night. Bank of America simply refused to do its job, ignored the evidence, and used lazy shifting excuses. 2. Gross Negligence in Investigating Obvious Double ChargesIn a separate instance, I experienced an explicit double charge and disputed both transactions because it was unclear which one was the error. Bank of America denied my dispute. Upon reviewing the case, I discovered that the merchant had sent Bank of America the exact same receipt for both charges, featuring identical transaction ID numbers and identical timestamps. Bank of America 's dispute department rubber-stamped the denial without even looking at the merchant 's paperwork. I had to catch this blatant error myself because the bank failed to review the very evidence sitting in their own file. 3. Violation of Regulation DD ( Truth in Savings Act ) & Official Account Disclosures Bank of America has been continuously assessing unauthorized monthly maintenance fees on my account. My original account terms explicitly stated that the monthly fee would be waived with a recurring monthly deposit of at least {$500.00}, a condition I consistently met. Bank of Americas official Deposit Agreement states that they will inform customers of modifications to fees and terms prior to the effective date. Furthermore, under Federal Regulation DD ( Truth in Savings Act ), the bank is legally required to provide at least 30 days ' advance written notice before changing terms that increase a consumer 's fee liability. Bank of America completely failed to provide any such notice via paper, email, or digital statement disclosure, resulting in unlawful and predatory fee deductions. 4. Refusal to Close the AccountBecause of this continuous poor service and lack of security, I moved all of my funds out of the bank. I have requested that my account be permanently closed. Bank of America is refusing to allow me to close the account, keeping it open solely to accumulate further fees and force me to pay back disputed funds that I do not owe.

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