Consumer complaint received 2025-11-20 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:
On XX/XX/year> my Bank of America account was suddenly blocked without any prior warning or notification.What happened before the account closure : Shortly before the account was blocked, I received a XXXX transfer for {$660.00} from a friend named XXXX XXXX. This money was payment for a personal debt he owed me - a legitimate transaction between friends.The only other unusual activity on my account was that I had been using it in two locations outside the United States : XXXX, XXXX XXXX XXXX, XXXX I am currently traveling abroad for personal reasons, which is why I used my card in these locations. I notified the bank about my travel on the online bankning system. 

My attempts to get answers and resolve this situation : After my account was blocked and subsequently closed, I made multiple attempts to understand what happened and find a solution : 1. Called Bank of America customer service lines multiple times - No one could provide me with a reason for the closure or help me resolve the situation. 

2. Contacted my financial advisor, XXXX XXXX, at the Bank of America Financial Center in XXXX - Even through my designated advisor, I was unable to get any explanation or assistance. 

3. Called the Bank of America security department - They also could not or would not provide any information about why my account was closed. 

Visited a financial center in person despite going to the branch physically, no one was able to give me answers or help resolve this matter. 

Through none of these channels have I been able to receive : 1. The reasons for the account closure 2. An opportunity to explain the legitimate nature of my transactions 3. Any path to resolve this situation Why this is a violation of my rights : I believe Bank of America has violated my rights as a customer by : 1. Closing my account without providing any explanation - I have a right to know why an adverse action was taken against me. 

2. Denying me the opportunity to provide explanations as a customer - I was never given a chance to explain that the XXXX transfer was legitimate or that my international transactions were due to legitimate travel. 

3. Refusing to provide information even after multiple requests through different channels- Including phone calls, in-person visits, and contact through my financial advisor. 

This has caused significant inconvenience, as I am currently abroad and now have limited banking options. Additionally, this closure may affect my ability to open accounts with other financial institutions if I was reported to consumer reporting agencies. 

What I am requesting : I am requesting CFPB 's intervention to : 1. Obtain a detailed written explanation from Bank of America about why my account was closed 2. Have the opportunity to provide documentation proving the legitimacy of my transactions 3. Appeal Bank of America 's decision to close my account If the closure was based on misunderstanding of legitimate transactions, have my account reinstated or at minimum, ensure no negative reports were made to consumer reporting agencies Receive confirmation about whether I was reported to XXXX, XXXX XXXX XXXX, or other agencies I believe the XXXX transfer from my friend and my international travel were misinterpreted as suspicious activity, when in fact both were completely legitimate. I should have been contacted and given an opportunity to explain before such drastic action was taken.I have never engaged in any fraudulent or illegal activity with this account, and I deserve an explanation and the opportunity to defend myself as a customer.

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