Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Bank of America XXXX XXXX financial institution with which I have had ongoing issues since XXXX. My experience has been deeply troubling and has caused significant emotional, financial, and psychological harm to both myself and my daughter. The circumstances surrounding my situation involve serious violations of consumer protection laws, particularly in relation to unfair banking practices, discriminatory treatment, and lack of reasonable accommodations for individuals with mental health XXXX. 

Key Issues and Violations : XXXX. Account Freezes and Suspensions Since XXXX, my Bank of America account has been subject to multiple freezes, blockages, and suspensions, causing significant financial hardship. Despite my repeated attempts to resolve these issues, I have received no clear explanation or support from the bank. These disruptions have led to delays in accessing essential benefits, including those from the XXXX XXXX XXXX ( XXXX ), which I rely on for financial support. 


XXXX. Failure to Provide Adequate Support for XXXX XXXX XXXX I have a XXXX XXXX XXXX, specifically XXXX, which requires special accommodations and support. However, Bank of America has failed to provide the necessary accommodations, making it impossible for me to manage my account efficiently. The bank 's inaccessible online banking services, lack of in-person support, and unhelpful customer service have only exacerbated the challenges I face. As a result, I have experienced discrimination in violation of the Americans with Disabilities Act ( ADA ).

3. Discriminatory Treatment Throughout my interactions with Bank of America, I have been treated unfairly compared to other customers without disabilities. This unequal treatment has not only complicated my ability to keep my financial records consistent but has also caused additional distress and anxiety. As a result, I believe that Bank of America is in violation of ADA protections and the principles of fair banking practices.

4. Lack of Communication and Transparency There has been a severe lack of communication and transparency from Bank of America regarding the status of my account. I have received conflicting information about the reasons for the account freezes, and when I have sought assistanc
e, I have been met with dismissive responses or complete silence. This has left me unable to effectively resolve the issues at hand, causing emotional distress and financial instability.

Request for Resolution : I respectfully request the following actions be taken to resolve these issues : Immediate unblocking and restoration of my account, ensuring that I have full access to all funds and services.

Compensation for the financial losses incurred due to account freezes, as well as for the emotional distress caused by Bank of Americas failure to provide appropriate support.

A formal investigation into the discriminatory practices and lack of reasonable accommodations provided by Bank of America, as this is a violation of my rights under the ADA.

Improvements in Bank of Americas accessibility policies, including the provision of clear communication, in-person support, and online banking tools that are suitable for individuals with disabilities.

I also request that the CFPB investigate Bank of Americas failure to comply with federal regulations, including those under the Truth in Lending Act, Fair Credit Reporting Act, and Americans with Disabilities Act, as well as any relevant state banking laws.

Please find attached any supporting documents related to this complaint, including account statements, communication logs, and any other relevant evidence. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution to my complaint.

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