Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Complaint Letter Consumer Financial Protection Bureau ( CFPB ) Subject : Bank of America Unauthorized Account Closure and Withholding of Funds To Whom It May Concern, I am submitting this complaint against Bank of America regarding the abrupt closure of my personal checking account, the lack of notice or explanation, and the withholding of my earned wages during the accounts pending closure phase.

Background and Account Closure : Bank of America closed my account without providing prior notice or a specific reason. When I contacted the bank, I was told only that I had violated the agreement, but no details were ever provided. My account was in good standing, had no negative balance, and there was no fraud associated with the account.

During the closure process, my account entered what Bank of America called a pending closure phase, at which point all access to the account was restricted without warning.

Employer Deposit Withheld : While my account was in this restricted status, my employerXXXX XXXX, where I have been employed since XXXXsent my payroll deposit for approximately {$2800.00}. On XXXX.Because Bank of America blocked all access, I do not have the exact amount.

Initially, Bank of America informed me that two checks would be mailed to me : 1. A check for my employers deposit 2. A check for the remaining ~ {$4.00} balance I was told these checks had already been mailed and would arrive within 714 business days.

Contradictory Letters & Withheld Funds : Soon after, I received a letter from Bank of America stating that my funds were on hold and would not be sent. I immediately called customer service again. This time, I was told I had two options : 1. Have my employer recall the deposit, or 2. Wait 5 business days while the bank attempted to verify the deposit, with no guarantee that my funds would be released.

My employer informed me that they can only recall a deposit within 3 days and that the deposit did not return on their end, so they could not recall it. They are fully willing to verify the deposit directly with Bank of America and have provided me with a written verification letter.

Despite this, I experienced inconsistent information and rude and unprofessional treatment from Bank of America representatives. One representative stated she could not speak with my employereven with my verbal authorizationnor could she guarantee that I would receive my wages back. I was also told the funds were placed in an unspecified internal account and that there is no guarantee I will get my money.

Why I Am Filing This Complaint : Bank of America is currently withholding my earned wages without justification.

- My account was in good standing - No fraud occurred - The deposit came directly from my employer- I have employer verification - Bank of America has repeatedly given conflicting instructions- The bank is refusing to release the funds or return them to my employer This situation has caused significant hardship, as these funds represent my income and are needed for my living and household expenses.

Requested Resolution : I respectfully request the CFPBs assistance in resolving this matter. I am seeking : 1. Immediate release of my wages in the form of a check mailed to me, or 2. Return of the funds to my employer ( XXXX XXXX ) so they may reissue the deposit to me.

I am also requesting a clear explanation from Bank of America regarding : - Why my account was closed - Why the deposit was held - Why no notice was provided - Why representatives refused authorization to communicate with my employer I have attached, or can provide, a verification letter from my employer confirming the deposit.

Thank you for your time and attention to this matter. I appreciate any assistance the CFPB can provide in helping me recover my funds. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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