Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Today ( XXXX XXXX, 2025 ) I went into Bank of America located in XXXX XXXX, California. I have visited this location previously, and cashed checks here before. The local Bank of America where we conducted business in XXXX, California shut down, and this was the closest option. I brought with me a check for expenses {$6000.00} that I needed to cash for business. The check was drawn on the account I had personally made over XXXX XXXX dollars in deposits, a business account ( located in XXXX just a couple miles from XXXX XXXX ). The check was made out in my name, and I too live just a couple miles from this bank. I brought with me a valid U.S. Passport, California Driver 's license, and a couple of credit cards for identification -- but the people working here knew me as well. When I tried to cash this check drawn on the local Bank of America account which had millions of dollars in deposits and certainly XXXX fraud, and presented my valid ID, the bank demanded that I endorse the check then refused to cash it even though there was gobs of cash in the account. This was flabbergasting, and then a manager came out and stated that she would cash the check, then ran the check and stated that she would not cash it. You can demand that the Bank of America confirm that the account had millions of dollars in deposits, and was local, the firm was local, and I was local. All located just a couple miles away. This bank demanded also that I endorse the check! Then refused to cash it for no legitimate reason. Furthermore ALL of the employees of this bank demanded to know where I personally banked ( None of their business and totally invasive and unsolicited ). I remained polite and calm even though I was absolutely flabbergasted as this has never happened to me in any country in the world, and I had personally cashed checks for upwards of XXXX XXXX dollars before without a single issue. The " manager '' was totally incompetent and repeated bizarre things over and over again like a robot. It was hard to imagine that she was actually a human being, and of this I remain unsure -- she wore a huge mask covering her face. The staff was police, and human, but this manager seemed inhuman. I politely requested a print out of their check cashing policy. This " manager '' stated that their " check cashing policy is confidential ''. I stated that I had cashed many checks in the past far higher in amounts, and asked what date this new policy was implemented, " that information is confidential '' was the reply again. They told me to get checks issued in smaller amounts but refused to tell me what that amount limit currently was. Nor would they provide any policy information regarding cashing checks. They were clearly discriminating against me and refusing to provide basic information, and refusing to release the funds while I presented a legally binding printed check drawn on that account. Thus the check was not good. This places a serious blemish on the firm that issued this check. We have deposited single checks over XXXX XXXX dollars but they will not release that money? Bank of American is discriminatory and using deceptive business practices. I carried five times the necessary identification. The tellers working knew and remembered me. We were local and banking locally. The manager lied and cited " fraud '' however, I am POSITIVE that there is probably close to XXXX percent paper check and local check cashing fraud in existence today. Fraud is conducted and create by banks forcing people to do digital business that is fraught with FRAUD, and there is NO WAY that known people cashing legitimate checks are a risk at all. Making such false statements ( lying to customers ) is outrageous. Banks are refusing to cash checks because they are trying to steal interest, and money, from innocent people trying to conduct legitimate business. Is your organization going to put a stop to this or will we have to quit banking in the United States -- which seems to be the goal of the US government if they are allowing these banks to blatantly steal in this manner. Please take legal action to put a stop to this before it destroys the United States. For now, we will bank elsewhere and so will our friends and associates -- thus draining the coffers of the United States and the banks. Banks used to conduct themselves in the USA with decorum. Now they can not be trusted.

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