Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/XXXX SUMMARY NOTES Meeting with BOA Assistant Manager, XXXX XXXX and his Assistant XXXX? on Thursday XX/XX/XXXX at XXXX XXXX PURPOSE of the meeting Discuss XX/XX/XXXX e-mail from BOA regarding Insufficient Funds in my BOA account of approximately {$300.00}. 1. I closed my Checking and Savings Accounts with Bank of America after a 34 year business relationship due to Horrific Treatment by BOA personnel in late XXXX and XXXX. Specifically, XXXX XXXX XXXX inexcusable behavior towards me in XXXX of XXXX at the XXXX, XXXX Branch on XXXX XXXX. By BOAs own records, I have been a customer of over 50 years. 2. BOA misled me about a Promo Credit Card in late XXXX of XXXX. I was interested in their Zero % interest credit card for 18 months with a {$200.00} cash reward. In XXXX of XXXX a 2nd Promo was offered with the same terms and a {$300.00} cash reward. 3. I gave XXXX a Quick Briefing of the misery that BOA has put me through regarding that card. I gave him copies of two letters that I had sent to the President of BOA, XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX that had more specifics regarding my complaint. 4. Bank of America was trying to STEAL over {$810.00} from me. I wanted my money back. In an attempt to get it back, I filed two complaint letters with the Consumer Financial Protection Bureau and wrote letters to Senators XXXX XXXX and XXXX XXXX. In XXXX of XXXX, Bank of America returned most of that {$810.00} but not all. I had long since made the decision that Bank of America is a BAD ACTOR and that I could no longer do business with such an unscrupulous Bank. I believed that I had severed all ties with Bank of America on XX/XX/XXXX of XXXX by closing those accounts. XXXX. The XX/XX/XXXX notice above was about the third time that I had received an e-mail from BOA about Insufficient Funds. I ignored the 1st e-mail because I had closed those accounts. The 2nd e-mail I forwarded to XXXX XXXX so he could take care of it. The 3rd e-mail was what brought me into your Bank on Thursday XX/XX/XXXX. XXXX. XXXX listened patiently to my explanation. I am absolutely astonished that we are having to deal with this issue on closed accounts. Bank of America apparently honored an automated Bank Draft on Closed Accounts. That is not my problem that is Bank of Americas. Why would they ever honor a Bank Draft on a Closed Account? XXXX then tries to explain to me that if there is a pending transaction, BOA will leave the account open. He gives me a publication by Bank of America on Deposit Agreement and Disclosures. XXXX. Bank of America does not listen to its customers. This is at least the 10th or more time that BOA is guilty of this. When I close an account I expect that account to be terminated, eliminated, deep sixed, put a XXXX XXXX XXXX XXXX, Shut down, CLOSED in unambiguous terms. IT IS NOT BOAS RIGHT to leave my account open! 8. When I closed those accounts, I provided detailed reasons for doing so. I do not remember the ladys name but in about an hour she had closed those accounts and refunded me {$2000.00}. If there had been any transactions pending she should have been able to see those. In fact, whenever I checked my balances online, I would see entries that said transaction pending and the money would already be shown as having been deducted from my account. ANY MISTAKE IS BOAS PROBLEM NOT MINE. 9. Perhaps BOA thinks that I should be sympathetic toward a mistake made by one of their bank personnel. BOA put me through the most miserable experience of my life with their BOGUS CREDIT CARD shenanigans and had absolutely ZERO SYMPATHY for me. It took me almost a year to get my money back and a 50 year customer was treated like a common criminal. I spent well over 100 hours trying to get this Huge misunderstanding taken care of in an amicable manner. The hostility and harassment toward me by Bank of America will never be forgotten. XXXX. XXXX told me that XXXX XXXX had responded to the inquiries from the Consumer Financial Protection Bureau. XXXX says he has the correspondence and that someone from BOA had tried to contact me. Why should I believe any of that? At least a dozen times in the past 20 months, I have requested information from BOA reps, and only twice has BOA followed through with my request. CFPB told me that BOA was required to respond to their inquiries and that BOA was required to keep me informed of how the complaint was settled. I filed two complaints with CFPB and not once have I received the promised correspondence by e-mail, the U.S. Post Office, text message or even Voice Mail. Zero, Zip, XXXX! XXXX. I am forced to conclude that BOA is eiher very poor at communicating with their customers, which clearly has been confirmed by over a dozen phone calls to customer service, and 4 face to face meetings or BOA just flat out lies to their customers. The later appears to be the more likely. XXXX. XXXX suggests that I read the BOA Deposit Agreement and Disclosures. My attorney and I will insist that BOA provide me with this published information from XXXX of XXXX. Or better yet, your records show that I first opened an account with you in XXXX. Show me this publication from that date. I suspect that there have been hundreds of changes to that document over the past 50 years. I want to see proof that you kept me informed of those changes, specifically that BOA has the right to keep my account open despite my direct orders to Terminate all of those accounts. 13. At the conclusion of our meeting on Thursday I made one more statement. I suggested that if anything negative showed up in my credit report regarding this fiasco that I would be angry. You need to stop harassing and antagonizing your customers. Particularly the Senior Citizens who BOA seems to enjoy screwing out of their hard-earned money. Thats quite simply Elder Abuse. As I recall, BOA did not refund me my full {$810.00} nor did they give me the {$200.00} that was promised by your Credit Card Promo in XXXX and XXXX of XXXX. On top of that, my sister mistakenly XXXX me {$37.00} in XXXX or XXXX of XXXX. Im certain that BOA has stolen that money as well. XXXX. As I left the meeting, XXXX XXXX XXXX gave me a copy of BOAs Deposit Agreement and Disclosures. He also told me that he had a copy of BOAs response to the CFPB. When I asked for a copy of that via e-mail, XXXX XXXX told me that BOA would not do that because of Customer Privacy. You got ta be kidding me. The only thing BOA wants to keep private is their sleazy underhanded practices that the customer is never informed about and they sure as heck do not want the Federal or State governments or Regulatory Authorities to find out. XXXX. In the past 20 months, Bank of America Representatives have purposely misrepresented their programs and policies to me. Here are just a few examples : a. From the very first phone call in XXXX of XXXX, the BOA Reps Summary Notes claim that I declined their Promo Offer. That is complete fiction. All any of your folks needed to do was listen to that single 5-7 minute audio transcript to verify that falsehood. It seems clear that BOA has not listened to any of those audio transcripts preferring instead to read their Reps XXXX deliberately Falsified Summary Notes. b. Beginning with that call in late XXXX of XXXX, there have been at least 4 times maybe more that your BOA Reps attempted to tell me that I had a prior credit card in XXXX of XXXX. Each time, I told them to provide me with the proof that I had a prior credit card and No one honored my request. That is verifiable on at least 4 calls, maybe more. XXXX XXXX in XXXX of XXXX is the only one that provided that information and she was able to get it in less than 17 hours. Why was no one else able to provide that same information? XXXX As I told you, your Rep in XXXX of XXXX said that I had charges in XXXX XXXX XXXX XXXX XXXX . Either this was an error or an outright lie. This is why, from the outset, I suspected FRAUD. Immediately, I told that Rep to Shutdown, Cancel and Terminate that card. d. When a Rep in XXXX of XXXX finally did provide me with charges on the credit card in question, I knew there was a significant problem. Thats when I scheduled a meeting with XXXX XXXX. XXXX XXXX showed me the summary notes from the Rep which were clearly false. I asked XXXX XXXX if those notes were the full transcript and she said No. I asked for a copy of your Reps summary notes and XXXX XXXX would not give them to me. She would also not let me record our meeting. Very curious that BOA can record all of my conversations but I can not record theirs. Also very convenient that BOA produces summary notes that are not at all an accurate representation of the call. XXXX XXXX did not want to let me have a written copy of BOAs notes because that would easily be verified as False. XXXX XXXX told me another XXXX lie that she worked in the credit card division and she did not recall any Promo with a zero percent interest for 18 months with a {$300.00} Cash Reward. Either XXXX XXXX has a poor memory or another blatant BOA lie. I have provided that {$300.00} Promo offer many times and I still have that document that XXXX XXXX said did not exist. e. XXXX XXXX XXXX met with me on XX/XX/XXXX. I suspect that he was instructed to do so by XXXX XXXX XXXX. XXXX XXXX attempted to tell me that I had declined the offer in XXXX of XXXX. I asked if he listened to any of the actual phone calls, late XX/XX/XXXX, XXXX of XXXX and between XXXX and XXXX XXXX of XXXX. Why would anyone make that many calls if I had not been convinced that I was enrolled? I did not decline that offer as the BOA Rep claimed in the Summary Notes. If I did not qualify for that Zero percent interest Promo why didnt someone say so? f. XXXX XXXX then made the ludicrous statement that BOA wants its customers to take advantage of multiple credit card offers. For easily the last 5 years and more likely the last 10 years, BOA has sent me similar promos every year, usually 1 or 2 each year, and I have always tossed them. In XXXX you sent me several similar Promos with these Teaser Offers and already I have received another in XXXX. If BOA likes customers to have multiple credit cards with different Promos as XXXX XXXX explained, that should have been very easy to set up on the spot. Another lie. BOA has had my business for the last XX/XX/XXXX years. Why would you send me those offers every year? Laughably, XXXX XXXX suggested that I would have had to make an application for a new credit card and there would be a credit report pulled. XXXX XXXX! Apparently in XXXX of XXXX BOA made me one of those Teaser Promos. I used it for 20 days and paid it off in full and never used it again. Thats why I had no recollection whatsoever of a prior credit card. There was no application process then and there was not XXXX in XXXX of XXXX. More BOA lies or either a deliberate sleight of hand to hoodwink a Senior Citizen. g. I am also amused that XXXX would tell me to read BOAs Deposit Agreement and Disclosures. I do not care one iota that BOA has slipped something into that document to suggest that BOA can keep my account open despite me telling your BOA Rep that I am terminating my checking and savings accounts and severing any business relationship with BOA. BOA does not have the RIGHT TO IGNORE THE CUSTOMERS DIRECT ORDER. h. I filed two complaints with the Consumer Financial Protection Bureau. According to CFPB, BOA was supposed to respond directly to their inquiries and to notify me when they offered a resolution. The second complaint was filed because I had not received any communication from BOA. There was no notification either by E-mail, Voice Mail, Text Message or a letter via the US Post Office. More blatant lies by Bank of America. BOAs intent is clear. They purposely try to deceive and confuse Senior Citizens. BOA also has no intention of complying with Federal Law, particularly when contacted by the Consumer Financial Protection Bureau. i. Bank of America either ignores the Customer Requests for information and Direct Orders or they fail to follow through. What you can expect from BOA is a full-scale cover-up and a dozen lies to obscure the truth. Please let XXXX XXXX XXXX know that I would be delighted to meet with him in front of a Senate Subcommittee in XXXX XXXX to discuss Bank of Americas predatory lending practices and their shifty, sleazy Bank Card Promos that are designed to confuse and mislead Senior Citizens. Id also like him to explain why BOA records every one of my calls to their customer service and their reps provide Bogus Summary Notes of those calls. The Summary Notes are purposely designed by BOA so their Reps can easily alter the context of the recorded customer calls as needed. BOA is hoping their customers and the attorneys will accept the Summary Notes and not ask for the verbatim transcript of their calls. Also, why it is permissible for BOA to record my calls but I can not record their calls or their words in a face-to-face meeting?!?! Sincerely, XXXX XXXX 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