Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Systemic Failure to Verify Identity & Pattern of Asset Freeze/Confiscation ( Pattern of Conduct ) Narrative : This complaint details a recurring pattern of adverse action, harassment, and service denial by Bank of America spanning from roughly XXXX to XXXX, culminating in the forced closure of my account on XX/XX/XXXX. 

XXXX. Current Incident ( XX/XX/XXXX - The Forced Closure ) : I visited XXXX separate branches in XXXX day to verify my identity and obtain the requested information, resulting in a total failure of the bank 's authentication systems. 

XXXX XXXX Branch : Despite a scheduled appointment, I was intentionally kept waiting by Branch Manager XXXX while staff socialized. An associate eventually obtained a temporary authorization code to allow me one-time access. 

Systemic Failure : Immediately after leaving the branch, I was locked out of my account again. Phone support explicitly stated they can not verify identity over the phone once a lock is in place and could not provide any timeframe for resolution, effectively trapping me in an infinite loop requiring physical presence for every single login. 

XXXX XXXX : I visited a second branch where I was successfully verified again and managed to download XXXX  years of statements in the lobby. Staff claimed documents older than XXXX  years were unavailable/destroyed. 

XXXX XXXX ( Forced Closure ) : I visited a third branch to resolve the ongoing lockout. After an hour of waiting, corporate support failed to authorize my account access even while I was physically present with ID. With the system unable to grant me consistent access to my own funds despite multiple in-person verifications, I was forced to close the account. 

XXXX. Pattern of Unfair Practices ( XXXX- XXXX XXXX  XXXX ) : This recent denial of service mirrors a long-standing pattern of abuse regarding my immigration status. 

Prior to XXXX : I was subjected to at least XXXX instances of " temporary account freezes '' due to administrative delays in processing immigration document renewals. The bank set excessively short deadlines, threatening closure each time, despite my legal status remaining valid. 

XXXX Confiscation : In XXXX, during a standard XXXX XXXX renewal gap, the bank involuntarily closed my credit card account. At the time of closure, I had ~ {$400.00} in earned cashback rewards. The bank confiscated and forfeited this balance rather than escheating it to the state or allowing redemption. 

XXXX. Harm Done : Financial Loss : The bank confiscated ~ {$400.00} in earned rewards in XXXX. 

Credit Damage : The XXXX involuntary closure terminated my oldest established credit line, significantly shortening my credit history age and negatively impacting my credit score for years. 

Loss of Banking Relationship : The XXXX systemic failure to verify my identity has effectively stripped me of my banking relationship, forcing me to exit the bank to protect my assets.

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