Consumer complaint received 2024-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or about XX/XX/XXXX, of XXXX i opened a checking account via telephone with a bank of america agent. I then believe on or about the XXXX XX/XX/XXXX i recieved a debit card issued in my name .Upon recieving my debit card on the XXXX of XX/XX/XXXX i went down the the bank of america branch located in my city of XXXX XXXX Ca . And made a check deposit into the a.t.m that was a third party check. That was a thursday i believe. So i waited for the following monday to check my account to see if the check was cleared. But bank of america blocked my online access. So i then called bank of america and was told to go into the paso branch to get further info as to why i couldnt access my account. So i did so and then told i had to call bank of america because my local branch couldnt access either. So again i did so. And after several attemts i was told that my account was closed because i made a 3rd party check deposit witch went against bofa policies. At this point i still havent recieved any further mail in regards to their policies. Only the debit card at this point, so i wouldnt have know that making a third party check was against their policies. So the check i deposited was my girlfriends monthly alimony of {$2000.00}. So at this point the funds are frozen till further investigation they told me. But instead the XXXX that was deposited being held i was told it has been cashed but now the balance has been reduced to XXXX because of a balance i owed on an account i use to have with them. I have contacted bank of america via my branch and telephone. Me and the person to whom the check was writen out to went into locale brance as was told over the phone to show both of our i.d . We have done every thing that has been asked of us and countless phone calles on my part to get this resolved and when i say countless i mean iv talked to 30 different agents at bank of america and have been told 12 different stories. And from XX/XX/XXXX till today the XXXX of XX/XX/XXXX i still cant get the funds released. I believe that when they opened my recent account that they did so just so they could get the funds that i owed from a previous balance i owed. I get the feeling that my account was going to be closed no matter the situation as long as they recieved there money. Or else why would they cash that third party check and take what i owed them when doing so is against their policy of cashing a third party check. At this time the funds ar being held hostage. The check writer and the person whom the check was writen to are all aware of the situation. So there is nothing to be found frodulant but yet they will not work with us and can not get a strait answer. Its been 5 1/2 months already. All the das iv listed may vary a day or so but if needed i can give exact dates if needed. Thanks again XXXX XXXX My contact number is XXXX and email : 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 explanation