Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America suddenly closed my account without notice or explanation, assigned a XXXX who is completely unreachable, and then sent me an incorrect final payment due to a documented date error. I am being denied due process, communication, and the correct amount owed ( {$320.00} short ). 

ISSUE # XXXX : IMPROPER ACCOUNT CLOSURE WITHOUT NOTICE WHAT HAPPENED : On XX/XX/XXXX, XXXX Bank of America account was suddenly blocked and closed without any prior notice, warning, explanation, or opportunity to verify transactions. 

The only communication I received was a closure letter dated XX/XX/XXXX, which gave NO reason for the decision. 

ALL RECENT ACTIVITY WAS LEGITIMATE : - XXXX repayment from a friend - International transactions consistent with my documented travel to XXXX Despite this, the bank never contacted me before taking adverse action, and my online banking access was XXXX immediately. 

ATTEMPTS TO GET INFORMATION : I took multiple steps to obtain an explanation : Several calls to customer service - no explanation given Contact with different financial advisors - no help provided Calls to the security department - no information shared In-person visit to a branch - still no explanation NO ONE provided any explanation or assistance. 


ISSUE # XXXX : ASSIGNED XXXX IS UNREACHABLE After I filed my first complaint, Bank of America assigned a " Regulatory Complaints Resolution XXXX '' and provided XXXX phone numbers, stating that I would receive a response within XXXX hours if I called. 

HOWEVER, THIS HAS NEVER HAPPENED : For several days, I have called both numbers repeatedly : No one ever answers Calls always go to voicemail I have received NO return calls I have received NO email follow-up from the XXXX PROOF : I am attaching audio recordings of multiple attempts to call the numbers provided. These show that the XXXX is unreachable and that the bank is failing to provide communication during an active regulatory review. 

ISSUE # XXXX : ERROR IN FINAL BALANCE - {$320.00} SHORT In addition to the closure problems, Bank of America sent me a check for {$1000.00} based on a final statement showing a negative balance of - {$330.00}. 

HOWEVER, THIS BALANCE IS INCORRECT due to a transaction date error. 

THE DATE ERROR : Bank of America 's final statement shows : - " MOBILE PURCHASE XXXX XXXX XXXX XXXX '' for {$320.00} - Date shown : XX/XX/XXXX But Bank of America sent me an email on XX/XX/XXXX confirming this same transaction was processed on that date ( XX/XX/XXXX ), NOT XX/XX/XXXX. 

WHY THIS MATTERS : My account was closed on approximately XX/XX/XXXX ( evidenced by " ACCOUNT CLOSING TRANSACTION FDES XXXX '' dated XX/XX/XXXX ). 

Since the XXXX transaction actually occurred on XX/XX/XXXX ( BEFORE closure ), not XX/XX/XXXX ( AFTER closure ), this transaction should have been included in my regular balance before closure. 

By incorrectly dating this transaction 5 days later, the bank : XXXX. Made it appear I used the account after it was closed XXXX. Incorrectly calculated my final balance as negative XXXX. Reduced my final check by {$320.00} TIMELINE : - XX/XX/XXXX : Transaction actually processed ( per Bank of America XXXX ) - XX/XX/XXXX : Account blocked without notice - XX/XX/XXXX : Account officially closed ( per letter and statement ) - XX/XX/XXXX : Incorrect date assigned to transaction ( per statement ) EVIDENCE : I have Bank of America 's own email from XX/XX/XXXX that clearly states the transaction date XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' for {$320.00} at " XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

This directly contradicts the final statement showing XX/XX/XXXX. 

CONNECTION BETWEEN ALL ISSUES These issues appear connected : XXXX. Bank closed my account based on legitimate international transactions in XXXX XXXX. Bank refuses to provide any explanation despite extensive requests XXXX. Bank assigned a XXXX who is completely unreachable ( proven by recordings ) XXXX. Bank then made a " date error '' that reduces my final payment and makes legitimate pre-closure transactions appear as post-closure activity This pattern suggests the bank is : - Avoiding accountability for an improper closure - Denying me due process and communication - Using a date error to further reduce what they owe me- Making my legitimate activity appear suspicious through incorrect dating CURRENT STATUS - WHAT I STILL DON'T HAVE Because of this lack of response and errors, I still have : No explanation for the account closure No way to speak with the assigned XXXX ( proven unreachable ) No information about whether I was reported to XXXX  or other databases No access to proper resolution No support from the bank despite being under regulatory review An incorrect final payment ( {$1000.00} instead of {$1300.00} ) WHY I'M FILING AGAIN I am submitting this comprehensive complaint because I want to ensure the company does not send a generic response just to close the case without addressing the central problems : XXXX. Bank of America closed my account improperly based on legitimate activity 2. Bank of America is not providing communication, even after assigning a specialist 3. Bank of America made a documented error that reduces my final payment by {$320.00} 4. Bank of America is denying me due process during a regulatory review LEGAL VIOLATIONS REGULATION E VIOLATION : The date error constitutes a " computational or bookkeeping error '' under 12 CFR 1005.11 ( a ) ( 1 ) ( iii ). The bank incorrectly recorded the date of an electronic fund transfer, resulting in an incorrect balance.

UNFAIR PRACTICES ( UDAAP ) : Under 12 USC 5536, the bank 's conduct is : - UNFAIR : Causes substantial injury ( {$320.00} + loss of banking access ) I can not avoid - DECEPTIVE : Presents false date information material to the balance - ABUSIVE : Takes advantage of my inability to protect against their errors while denying communication BAD FAITH : The bank is violating its duty of good faith by : - Refusing all explanation for legitimate activity - Providing an unreachable specialist - Making calculation errors that benefit the bank - Denying due process during regulatory review FINANCIAL IMPACT Direct financial loss : - Check received : {$1000.00} - Correct amount owed : {$1300.00} - Shortfall due to date error : {$320.00} Additional harm : - Loss of banking access since XX/XX/XXXX - Hours spent attempting to reach unreachable XXXX - Stress and time fighting improper closure - Potential negative database reporting EVIDENCE PROVIDED XXXX. Bank of America XXXX dated XX/XX/XXXX ( proving correct transaction date ) XXXX. Account statement showing incorrect XX/XX/XXXX date XXXX. Account statement showing incorrect negative balance XXXX. Photo of undeposited {$1000.00} check XXXX. XXXX recordings of repeated failed attempts to reach assigned XXXX XXXX. Account closure letter providing no explanation ACTIONS TAKEN - Sent certified letter to Bank of America - Filed this comprehensive CFPB complaint - Filed complaint with XXXX - Called XXXX numbers repeatedly ( proven unreachable in recordings )- Have NOT deposited {$1000.00} check pending resolution WHAT I'M ASKING FOR XXXX. CLEAR EXPLANATION : Detailed written explanation for account closure, including specific reason and legal basis XXXX. ACCESSIBLE COMMUNICATION : Ensure assigned XXXX actually contacts me, since all provided numbers go to voicemail ( proven by recordings ) XXXX. CORRECT THE BALANCE ERROR : Fix transaction date from XX/XX/XXXX to XX/XX/XXXX, recalculate balance, issue correct check for {$1300.00} XXXX. DATABASE REPORTING : Confirm whether negative reporting was made to XXXX XXXX XXXX XXXX and remove if unjustified XXXX REVIEW EVIDENCE : Actually review the attached recordings showing XXXX is unreachable, and explain why assigned XXXX is not fulfilling communication obligations XXXX. DOCUMENTATION OPPORTUNITY : Allow me to submit documentation proving legitimacy of all transactions and reconsider closure XXXX. NO GENERIC RESPONSE : Ensure bank does not close case with incomplete response, but addresses all specific issues raised XXXX. TRANSPARENCY : Provide full transparency regarding closure decision and error correction

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