Consumer complaint received 2025-10-28 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: SC

Complaint narrative:
Dear Bank of America Executive Leadership, My name is XXXX XXXX XXXX, and I have been a Bank of America client for several years, with seven deposit accounts ( one personal, six business ) and I possess six Bank of America credit cards, in addition to substantial holdings with XXXX XXXX 



On XX/XX/year>, while traveling XXXX XXXX XXXXXXXX, I learned from my XXXX advisor, not from Bank of America that all six of my credit cards and all seven of my bank accounts were closed without prior notice. This action is unacceptable and has caused immediate and significant harm to my businesses and personal finances : Payroll was missed due to loss of access to operating funds. 

I am concerned that issued checks may bounce, creating reputational harm and additional losses. 

I have been forced to rely on family and friends to cover obligations while abroad. 



I also want to note that I am XXXX, and there was an incident at XXXX of your branches this summer involving a teller. Regardless of that dispute, the wholesale, unannounced closure of my accounts, particularly while I am out of the country has created a serious hardship and, in my view, falls far below the standard of care I expect given my tenure and relationship across Bank of America and XXXX XXXX 



I am requesting the following, effective immediately : Immediate reinstatement of all closed deposit accounts and credit cards, or a temporary restoration of access sufficient to fund payroll and honor outstanding checks while a full review is conducted. 

Written confirmation that all outstanding checks will be honored and that any associated fees ( including returned-item fees and merchant/third-party penalties ) will be waived or reimbursed. 

A {$15000.00} courtesy payment to offset the emergency expenses I have incurred to bridge these disruptions while XXXX 

A direct call from a Senior Vice President empowered to resolve this matter and serve as my single point of contact through conclusion. 

A written explanation of the basis for these closures, including what notice was provided, and a review of any service or accessibility issues related to my prior branch incident, with appropriate XXXX accommodation going forward. 



Given the urgency, including payroll and time-sensitive obligations, I ask that you contact me tomorrow with a concrete resolution plan. 



You can reach me at XXXX ( XXXX ) XXXX ( XXXX is fine while XXXXXXXX XXXX  ). I am currently in XXXX and available for a call anytime. Please also copy me by email on all correspondence. 



I value strong, long-term banking relationships, and I expect swift action to restore access, prevent further harm, and address the significant disruption this has caused. If not, I may have to pursue legal remedies. 



Sincerely, XXXX XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX in XXXX

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