Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has been retaliating against me because I filed a CFPB complaint after I discovered all the financial abuse I endured via the double dipping of fees to my business account, which caused the failure of my business and loss of all of my business supplies. 

When filing this complaint I saw the CFPB report which disclosed that those illegal fees monies should have been refunded into current customers bank accounts, or in the form of a check of the consumer no longer was a customer. I never received any of my money back. 

Aggressive retaliation has ensued since I became aware of via the identification of who I am via their internal systems. 

I am filing this because they refuse to stop harassing me, and stole {$300.00} from me in a branch and lied on XX/XX/XXXX, and in today took the money I deposited back out on XX/XX/XXXX. 

Bank of America has identified who is vulnerable and who they do not have to pay back, based on their access to background information, XXXX XXXX reports, credit reports, etc, which is a violation of both the XXXX and FCRA. 

Timeline : 1. Refused to provide me with a replacement card to a temporary address online, so when I went into branch and had the card replaced, Bank of America retaliated within three days by claiming that my cash deposit of {$400.00} dollars was never given to the teller. Bank of America held on to my money for three weeks, refused to allow me to file an XXXX debit card deposit claim for three weeks. I called six times, went into a branch, filed a XXXX  complaint, and was told that it could not be filed as a claim, only a complaint. On or around, I called filed a claim, and again this teller told me that it was a check, and would take 60 days for an investigation. I informed him it was not a check informed him that that was Deceptive Trade Practices by asking me to agree that a debit card deposit was a check. He finally behave ethically, and input the retaliatory, lost deposit, as a debit card deposit and immediately made my monies available. This entire scheme lasted a total of three weeks. 
2. Inaccurate Address in File refuse to change requested the change on seven occasions. Most recently I went into a branch and I saw that the old inaccurate address was still there and had not been updated. 
3. Continue to stalk and retaliate against me by pulling my personal credit reports repeatedly ; although, both banking accounts are business accounts, and a credit card account. 
4. Collude with other creditors to harass me. 

PAST DISCRIMINATION : 1. Closed my account due to inconsistent online and in branch accounting errors. Discrimination because I did not have access to utilizing online services. Provided incorrect payment amount in a branch, then closed my account as a result. XX/XX/XXXX in violation of FCRA Covid Cares Act. 
2. Upon closing the account, Bank of America NEVER offered a decrease in interest, nor a settlement amount.

3. Offset my account several times during COVID, without my consent.

4. Currently committed financial fraud because they have camera footage of my deposit on XX/XX/XXXX, and I am attaching proof of deposit via my Bank of America receipt.

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