Consumer complaint received 2025-03-15 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: CA

Complaint narrative:
Id put a large amount of money in my Bank Of America bank and I was having some issues with fraud. I didnt claim all the issues with fraud because of the way that they were treating me as the claims are making like an issue so every time I make a claim for the most part I was just calling to do these claims. They let a debit for {$2700.00} overdraft my account to where I could not have access to any of my funds as a debit were coming in from the fraudulent claims and I asked him why would they let that go through, and they actually close the countdown on me because of that and they said oh because of the counts I had put in the changing of transferring the money from one account to the account which nothing none of it was Anything but normal for me, but I dont understand what they were saying it that wouldve been even an issue and I was not explained to any of it. They close it in the same day when I was calling in for the first issue Ive ever had with them after 15 years. Im very unhappy about it. The account is locked up now its my birthday just one a week and all of that in my tax returns will be hitting there and when I have access any of it for a long time. From the time that they lock down the account to the time that they close the account or they lock the account and then two days later Ive been trying to call him for two days when I do get a hold of them. They start looking over the account for the first time and they close it. I wan na say two hours later I was on the phone with them for three hours trying to get that thing to close it right when I was on the phone with them a lady was gon na give me access and they decided to go and close it before I could even get access back to it again they did not care and I asked can you stop my pay my at least my unemployment from going there and my tax refund so I can accept some money and they said no there was all on me so happy birthday are even explained to them how XXXX had tried to reset my phone because I had a transaction go through there that was not supposed to go through and Id actually locked me out of my account to have access to myself and they knew that virus was freezing but they only cared about their point of view and not mine there was XXXX different disputes that I put in based on things that I told them I was like because it was outside of the normal traveling area that wouldve been in. I didnt just eat anything along the traveling area that wouldve been for the very sake that I was just like it could be mine even with them they say that if it comes back on mine, Im fine with paying it, but it was like theyre telling me OK look through everything and then call us back and we can finish another dispute. another dispute as XXXX catching things cause I had {$10000.00} in the bank so its going through a lot of different transactions just to finding things you know and it just was baffling to me that they acted like this towards me for the first time that Ive even had an issue with even could even think anything and its just like theyre the ones who were even reporting the fraud on the card and I was just you know looking through over that transaction yes this one this one the ones out of my normal scope of driving and they go in then they close my account over that stuff. It just didnt make any sense to me.

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