Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank XXXX XXXX response dated XX/XX/XXXX is inaccurate, incomplete, and fails to address several key issues that have remained unresolved for more than a year. 

First, the bank claims that my checking account application was automatically declined on XX/XX/XXXX, under reference number ending in XXXX, based on information from Early Warning Services ( EWS ). However, the primary incident occurred months earlier around XX/XX/XXXX when I was personally denied an account at the XXXX XXXX XXXX, XXXX XXXX, CA XXXX financial center. Their response ignores that in-person denial, which was the basis of my original complaint. 

Second, Bank of America claims I opened an Advantage Plus account ending in XXXX on XX/XX/XXXX, at the XXXX XXXX XXXX XXXX. This does not resolve the issue, as the account was opened only after several CFPB complaints and months of delays. The problem was never that I could not eventually open an account, but that I was wrongfully denied earlier and repeatedly given contradictory information. 

Third, the bank claims to have mailed me a letter on XX/XX/XXXX, to my previous address at XXXX XXXX XXXX, XXXX XXXX, CA. I never received that letter. Bank of America should not tell regulators they responded when they did not verify delivery. This repeated pattern of claiming responses that are never actually received demonstrates bad faith. 

Regarding the conduct of Resolution XXXX XXXX XXXX : she was unprofessional, evasive, and dismissive. Instead of answering direct questions about my case, she would deflect by asking unrelated questions back to me. Despite claiming she understood, she failed to respond with any actual explanation or resolution. Her behavior wasted significant time and added unnecessary frustration. I am requesting a written apology for this conduct. 

Additionally, on XX/XX/XXXX, I received an email from Bank of America regarding my {$17.00} dispute involving XXXX. The message stated that my claim was denied because XXXX provided documentation showing the transaction is valid. However, I have documented proof that XXXX closed my account and that I have no access to the disputed {$17.00} funds. After receiving that denial, I called Bank of America, and the representative assured me that the claims department would call me to follow up. As of XX/XX/XXXX, I have not received any contact. This demonstrates another instance of false promises and neglect by Bank XXXX XXXX customer support and claims departments. 

Requested resolution : XXXX. A written apology from Bank of America, specifically from XXXX XXXX, for her unprofessional and evasive handling of my prior complaint. 
XXXX. A full investigation and written explanation of why I was originally denied an account at the XXXX XXXX XXXX branch in XX/XX/XXXX. 
XXXX. A formal review and correction of the mishandled XXXX dispute, with proof that Bank of America contacted XXXX and verified that I was denied access to those funds. 
XXXX. XXXX from the XXXX of the Comptroller of the Currency ( XXXX ) regarding Bank XXXX XXXX pattern of false reporting and nonresponsiveness in regulatory complaints. 

This ongoing lack of accountability, delayed communication, and repeated misstatements to the CFPB and customers is unacceptable.

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