Consumer complaint received 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Approximately six months ago, I was banned from my branch by the manager because she said I insulted her and she also embarrassed me in front of her employees by my divorce 16 years ago, which is a personal matter not to be addressed in business environment. Furthermore, the bank is closed my account officially because I deposited a Check from a friend that had a closed account, but I did not know this. The last problem I had is on XX/XX/XXXX I made a deposit with XXXX company for an XXXX {$1300.00} XXXX refunded deposit to my bank account. It shouldve hit my account on XX/XX/XXXX. The bank is saying, I have no funds in my account, and they said the transaction never took place. They said it was declined Immediately however, on XX/XX/XXXX, XXXX is sending me a receipt of the transaction to prove the transaction did occur that XXXX sent the refund to my bank account and then my bank is denying the refund money to me which is fraudulent practices. In my opinion Ive been locked out of my bank website for the bank, I can not access my account. I have to call every day to my bank to find out how much money is in my account and if the Funds are in my account and every time I call, they say there are no funds because there was no transaction. It was actually declined according to the bank behavior Is appalling I contacted consumer affairs, XXXX XXXX and she refused to help me and all these matters she refuses to write me back or do anything for me. Shes a consumer executive for client care for headquarters North Carolina for Bank of America. 

Moreover, I have two monetary direct deposits to my checking account every month. A bank supervisor informed me I have to call the bank to find out when the deposits are in my checking account at that point I have to wait 10 days after that date of deposit to have access to my money. Furthermore, they forced me to make an appointment with the bank to meet somebody to get my money I feel like Im being held hostage by my bank and Ive been a client for 34 years since XXXX. This behavior is unacceptable, Ive wrote more than one letter to XXXX XXXX client executive care professional she refused to help me she had a district manager call me to inform me not to get into an argument with a branch manager that banned me for life thats all she was concerned about. The branch manager failed to tell the district manager about bringing up my divorce arrangement and my marital status, and the branch manager lied to the district manager about us resolving our situation. My proof of not being able resolve our dispute is the fact that the branch manager banned me from the branch for life so how could she resolve it? The argument that is when I wasnt allowed to visit the branch so she lied to her manager and she failed to mention that she brought up my divorce of 16 years ago to embarrass me. The district manager didnt care about my treatment of being harassed about my divorce and 16 years and now that my account is closed, they dont care anything about me. They dont want me. Im a bad apple.

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