Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a complaint regarding funds that were issued to me via check after my account was closed by Bank of America. My business checking account was closed without prior notice and without any written communication explaining the closure. I only became aware of this after repeatedly calling customer service, where I was eventually informed that a check had been issued for the account balance. At no point was I proactively notified of the closure or the issuance of this check. I was then told that the check was mailed on XX/XX/year> to my correct business address and would arrive within 7 business days. Since then, I have contacted Bank of America multiple times and have received conflicting and inconsistent information from different representatives, including : - Being given multiple and contradictory delivery timeframes ( 7 days, 10 days, 14 days, and additional processing delays ) - Being told the check was sent to my correct business address, and later being told it was sent to a different, outdated address that I have not used in over a year, despite having clearly indicated that this address was not to be used for any mailing purposes under any circumstances - Representatives refusing to provide any tracking information, mailing confirmation, or verifiable proof that the check was actually sent or delivered As of today, I have not received the check, and Bank of America has not provided any proof of mailing, tracking information, or confirmed delivery details and refuse to do so when I request it. Additionally, I have been informed that they are unable to stop payment or reissue the check until 120 days have passed, regardless of whether the check may have been sent to an incorrect address. I have also proposed reasonable solutions to resolve this matter, including arranging to pick up the check at a branch, placing a stop payment and reissuing the check, or issuing a replacement check through an alternative method. These proposals have been declined, and I have not been offered any practical or timely resolution. This situation is directly impacting my business operations, as these funds are not optional or discretionary, they are customer security deposits that I am contractually obligated to return within a defined timeframe. Due to this delay, I am now facing multiple customer disputes, financial loss, and reputational damage. The lack of transparency, inconsistent information provided by representatives, and failure to properly notify me of account actions or ensure delivery of funds reflects poor handling and has significantly impacted my business. I am requesting that Bank of America : - Provide verified mailing details for the check, including the exact mailing date and address used - Provide verifiable confirmation that the check was actually mailed - Escalate this issue as a misdirected or undelivered check - Provide a reasonable resolution without requiring an excessive or unreasonable waiting period This situation reflects a failure to provide access to my funds in a timely and transparent manner.

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