Consumer complaint received 2026-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Subject : Formal Complaint Bank of Americas Failure to Return My Funds and Failure to Provide Adequate Customer Support Dear Sir or Madam, I am submitting this complaint regarding Bank of Americas continued failure to return my funds in the amount of {$6300.00} despite my repeated attempts to resolve this matter over several years. I opened my Bank of America account while I was an international student in the United States. After returning to XXXX XXXX, I discovered that my account still contained a balance of {$6300.00}. Since XXXX, I have made countless efforts to recover my funds. I have contacted Bank of America numerous times by telephone, followed every instruction given to me, requested an international wire transfer, requested that a check be mailed to me, submitted documents when requested, and fully cooperated with the bank throughout this process. Despite all of my efforts, my funds have never been returned. I previously filed a complaint with the CFPB ( Complaint ID : XXXX ). Bank of America responded by stating that my account was closed on XX/XX/XXXX, and that a check for {$6300.00} was allegedly issued on XX/XX/XXXX. However, I never received that check. What makes this even more concerning is that Bank of America successfully mailed its recent response letter to my address in XXXX XXXX, proving that my mailing address is valid and capable of receiving mail. If the bank was able to deliver this letter to my address, I respectfully question why the alleged check never arrived. I have requested evidence showing that the check was actually mailed, including : * The exact mailing address used. * The mailing date. * The name of the mailing or courier company. * Any tracking number. * Official proof that the check was mailed. To date, I have not received this information. Additionally, on XX/XX/XXXX, I received a telephone call from XXXX ( XXXX ) XXXX from an individual who identified himself as calling on behalf of Bank of America. During that conversation, I was told that I would receive an email regarding my case. No email was ever sent. Furthermore, Bank of America assigned XXXXXXXX XXXX XXXXXXXX as my point of contact. I replied to his email promptly, sent follow-up emails, telephoned him directly, and even left a voicemail requesting assistance. Despite all of these attempts, I have received absolutely no response. As a result, I have spent years trying to recover my own money while repeatedly being required to initiate contact with the bank, only to experience delays, unanswered communications, and incomplete follow-up. I currently reside in XXXX XXXX and I am unable to travel to the United States simply to obtain money that belongs to me. Therefore, I respectfully request that Bank of America immediately : XXXX. Return my full balance of {$6300.00} without any further delay. XXXX. Cancel the original check if it remains outstanding. XXXX. Transfer my funds by international wire transfer to my bank account in XXXX XXXX or immediately issue and mail a replacement check to my confirmed address. XXXX. Provide written proof showing whether the original check was actually mailed, including the address used, mailing date, shipping company, tracking number, and any available proof of mailing. XXXX. Provide a complete written explanation regarding the handling of my account and the repeated failures in communication. Because of the prolonged delay since XXXX, the repeated lack of communication, the failure to respond to emails and telephone messages, and the significant inconvenience and hardship I have experienced, I also respectfully request that Bank of America consider providing appropriate financial compensation for the unnecessary delay and the manner in which my case has been handled. If this matter is not resolved promptly, I intend to pursue all available legal and regulatory remedies available to protect my rights. I respectfully request your immediate attention to this matter.

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