Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
CFPB CONSUMER COMPLAINT * * * This is a NEW complaint regarding frozen accounts please send to company IMMEDIATELY * * * Bank of America , N.A . 
Unlawful Restriction of Deposited Funds/ Denial of Account Access Complainant : XXXX XXXX XXXX XXXX, California Phone : XXXX SUMMARY OF COMPLAINT I am submitting this complaint to request urgent CFPB intervention regarding Bank of America, N.A.s unlawful restriction of my checking account, denial of online banking access, and refusal to allow withdrawal or transfer of my own funds in excess of {$22000.00}. 

Bank of America has restricted my account without adequate notice, explanation, or timely resolution, effectively freezing my funds and preventing lawful access. This conduct is unreasonable, harmful, and inconsistent with federal consumer financial protections. 



FACTUAL BACKGROUND 1. I maintain a Bank of America XXXX Checking account with over {$22000.00} on deposit. 
2. Bank of America has restricted my account and blocked online banking access.

3. I am unable to withdraw, transfer, or otherwise access my funds.

4. No clear or timely explanation has been provided for the restriction.

5. I have made good-faith efforts to resolve this matter directly, without success. 

This restriction has caused financial disruption and material harm, and there is no justification for continued denial of access to my own deposited funds. 



LEGAL AND REGULATORY CONCERNS Bank of Americas conduct raises serious concerns under, including but not limited to : Regulation E ( 12 C.F.R. Part 1005 ) requiring prompt and lawful access to electronic funds and account services Uniform Commercial Code ( UCC ) Articles 3 & 4 governing bank deposits and collections CFPB authority under the Consumer Financial Protection Act prohibiting unfair, deceptive, or abusive acts or practices ( UDAAP ) Absent a lawful basis and proper notice, continued restriction of customer funds is unreasonable and inconsistent with these obligations.

REQUESTED RESOLUTION I respectfully request that the CFPB require Bank of America to : 1. Immediately restore full online banking access, and 2. Immediately release all restrictions and allow withdrawal or transfer of 100 % of my funds, and 3. Provide a written explanation detailing the basis for the restriction and confirmation of resolution.

I also request direct contact today from an authorized Bank of America resolution specialist to finalize this matter. I can be reached at XXXX. 



CONCLUSION This situation should never have occurred. Bank of Americas continued failure to provide timely access to my deposited funds is unacceptable and warrants immediate regulatory attention. I appreciate the CFPBs prompt review and assistance in resolving this matter. 

Respectfully submitted, XXXX XXXX XXXX XXXX, California XXXX XXXXXXXX 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