Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Formal Complaint Against Bank of America and XXXX for Unfair, Deceptive, and Harmful Business Practices To Whom It May Concern, I am filing a formal complaint against Bank of America and XXXX due to ongoing unfair, deceptive, and harmful business practices that have caused me significant financial losses, emotional distress, and disruptions to my daily life. These issues have also interfered with my ability to care for my XXXX sons who live out of state. 1. BANK OF AMERICA UNAUTHORIZED CHARGES & REPEATED CARD CANCELLATIONS For months, unauthorized charges have appeared on my account. Each time I dispute them, Bank of America refunds the money but then automatically cancels my debit card, leaving me without access to my funds for up to two weeks. This has caused failed payments, late fees, and negative credit reporting. Despite repeated requests, the bank refuses to provide me with an electronic debit card, even though this option is available to other customers. 2. REFUSAL TO CASH LEGITIMATE CHECKS Bank of America has repeatedly refused to cash legitimate checks from known payers, including : My spousal support checks A recent IRS check for approximately {$2000.00} In the most recent incident, they told me I needed to have the same amount of money already in my account before they would cash the check. This is unreasonable and inconsistent with past practice. When I am forced to deposit these checks, the funds take too long to clear, causing overdrafts, late fees, and disruptions in paying rent and basic needs. 3. EXCESSIVE MAINTENANCE FEES I have three accounts, and Bank of America charges me {$12.00} per month for each, totaling $ XXXX monthly. I can not qualify for fee waivers because : My sons SSI account is inactive due to his abduction My mothers account and my own can not receive qualifying direct deposits because EDD, XXXX, and FAFSA use their own banking systems Despite these circumstances, the bank continues to charge full maintenance fees. 4. EXCESSIVE INTEREST CHARGES & DEBT ACCUMULATION Bank of America has added extremely high interest charges to my credit cards during XXXX, XXXX, and XXXX, making it impossible for me to pay down the balances. The interest rates and compounding charges have : Forced me into debt Prevented me from using my credit cards Made it impossible to reduce the principal Created longterm financial instability I am requesting assistance from the Attorney Generals office in obtaining : A reduction of the accumulated debt A reasonable interest adjustment A manageable payment plan I am not asking for debt forgiveness I am asking for a fair resolution so I can repay what I owe without being crushed by excessive interest charges. 5. XXXX UNAUTHORIZED CHARGES & ORDER CANCELLATIONS XXXX charged me three months of XXXX XXXX at {$5.00} each without my authorization. They initially refused to refund me and told me to contact my bank. After hours of calls, they finally returned the payments. XXXX has also : Canceled approximately XXXX orders between XXXX, including basic necessities Possibly overcharged me for items I never received Charged me twice per month for XXXX XXXX Sold lowquality, overpriced products requiring frequent returns These issues have compounded the financial instability caused by Bank of America. 6. HEALTH & ACCESSIBILITY IMPACT I have a brain injury, and the constant disruptions, confusion, and financial instability caused by these issues have significantly affected my mental state and overall wellbeing. These problems have also interfered with emergency travel to see my XXXX sons who live out of state. Last month, I had to cancel urgent travel plans because multiple cards suddenly stopped working, preventing me from purchasing airline tickets. Requested Action I respectfully request that the Attorney Generals office investigate the following : Bank of Americas repeated card cancellations Denial of electronic debit cards Refusal to cash legitimate checks Excessive maintenance fees Excessive interest charges and debt accumulation XXXX unauthorized charges and duplicate Prime billing Repeated order cancellations Potential unfair or deceptive business practices I am requesting assistance in obtaining : A debt reduction A reasonable payment plan Refunds for unauthorized charges Reimbursement of fees and losses Correction of negative credit reporting Fair access to banking services Written explanations and corrective actions Thank you for your attention to this matter. I am requesting a formal review and response. Sincerely, 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 monetary relief