Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Submission Addendum to Prior CFPB Complaint ( COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit cards and all other bank accounts ) ( Pattern of Retaliation, Notice Failures, and Additional Documentary Evidence ) This submission is provided as a formal supplement and addendum to my previously filed complaints with the Consumer Financial Protection Bureau ( CFPB ). It is submitted to further clarify and document a pattern of retaliation, targeted account actions, and failure to provide timely and complete notice by Bank of America, and to introduce additional objective evidence supporting the claims already raised. 

As detailed in my prior complaint, the events at issue did not occur in isolation. Rather, immediately following my protected consumer activityspecifically, submitting a one-star customer review and filing a CFPB complaintBank of America initiated a coordinated and escalating series of adverse actions. 

Retaliation Timeline and Notice Deficiencies On XX/XX/XXXX ( Saturday ), Bank of America sent an email targeting only my mothers account ( ending in XXXX ). That email did not state that all accounts were being frozen or closed. 

On XX/XX/XXXX ( Sunday ), a second email stated that my mothers account was permanently closed. 

Due to ongoing medical pain and symptoms, I became aware of only the first email on Saturday afternoon, which is reasonable and foreseeable given my documented medical condition. 

On XX/XX/XXXX, as a direct result of the stress and uncertainty created by these sudden actions, I was forced to cancel a scheduled physical therapy appointment and go to the bank as my first priority. 

At the branch, I was informed that my account was frozen and inaccessible. During a prolonged wait, I learned incidentally and without prior notice that my credit cards were also disabled. At that time, no written or electronic notice regarding credit card closures had been provided. 

Only after submitting additional complaints did written notices concerning credit card closures arrive by mail approximately one week later. 

Additional Evidence Documents Supplementing the Prior Complaint This supplemental submission also includes additional documentary evidence that was not previously uploaded to the CFPB portal and is now submitted as supplemental proof. 

The attached materials include : Email notifications sent by Bank of America regarding account closures ; and XXXX email delivery confirmations showing the actual dates on which Bank of Americas account and credit card closure letters were delivered to our mailbox. 

The XXXX records clearly establish that : Bank account closure letters were delivered around XX/XX/XXXX, and Credit card closure letters were delivered around XX/XX/XXXX. 

These objective, third-party records directly contradict Bank of Americas assertion that timely and complete notice was provided. The evidence demonstrates a material delay between the dates Bank of America claims notices were sent and the dates on which those notices were actually received. 

These documents are submitted to support and corroborate the previously raised claims of notice failures, delayed notification, and procedurally improper account closures, and must be considered an integral part of the prior complaint. 

Targeted Retaliation Affecting My Entire Family It is critical to note that the only account solely in my name is my small business account. All other accounts were joint accounts held with my spouse. 

Despite this, Bank of America systematically targeted me and my entire family, closing : My personal accounts, Joint accounts with my spouse, My small business account, and My mothers accounts and credit card, even though I alone was the individual who submitted the review and filed the CFPB complaint. 

The sequencebeginning with my mothers account and expanding to all accounts associated with medemonstrates retaliation directed at the complainant, not neutral account management. The staggered emails, delayed mail notices, and partial disclosures reflect a systematic retaliation pattern and procedural abuse, not a routine business decision. 

Human and Health Impact Throughout this process : Accounts and credit cards were frozen and closed without advance notice, Access to funds was restricted, I was forced to move accounts under extreme time pressure, Ongoing uncertainty, fragmented communication, and delayed notices caused sleepless nights, and The resulting stress significantly exacerbated my existing medical condition, increasing pain and functional impairment. 

These actions were not merely administrative. They imposed psychological pressure, created deterrent and punitive effects, and were carried out in a manner likely to discourage protected consumer activity. 

Conclusion For these reasons, the conduct described can not be characterized as a routine or neutral business decision. Instead, the evidence establishes a clear pattern of retaliation, supported by documentary proof, in violation of 12 U.S.C. 5536 ( UDAAP ) and 42 U.S.C. 12203 ( ADA anti-retaliation protections ). 

This supplemental submission, together with the attached evidence, is submitted to be read in conjunction with and as an inseparable part of my prior CFPB 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