Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I called the XXXX, South Carolina a XXXX XXXXXXXX location on XX/XX/2025 to ask them if there was a way for me to deposit a check for my sister in law. The lady I spoke with asked me if my sister in law was there with me and I said yes. She told me that we could both come to the banks with our IDs and that they would see what they could do. When we arrived we spoke to the very nice XXXX lady that I had spoken to on the phone and she took our documentation to the manager and told us that her boss would be assisting us the rest of the way. The manager looked at both of our IDs and had us both sign the check and then she deposited in to my account. She told me that the funds would be available in XXXX hours. So XXXX hours goes by and I try to log in to my online account and cant pull it up so I drive to the bank and try to check the balance at the atm. I kept getting an error message saying balance not available so I went inside. When I walked in I was greeted by the lady in the first little office and she told me to come in so that we could try to figure out what was going on when she put my information in the computer she told me that my account was being closed because I had deposited a XXXX party check and that that was against their policy. I told her that the bank manager had deposited the check for me and she acted like I was lying. I didnt see the same lady in there at the time and I couldnt think of her name so I didnt continue arguing with her. She then told me that my sister in law wouldnt be getting her check back and that my remaining balance would be mailed to me. A few days later I got a letter in the mail stating that a hold had been placed on my recent deposit because they had information indicating the check may be returned, but that it would be available by XX/XX/2025 by XXXX local time and then another letter saying the same thing but with XX/XX/2025 by XXXX local time. I then called my local office and they told me there was nothing they could do because I had broken a rule as if I deposited this check myself. So I then called the branch office and the guy I spoke to was extremely condescending and just kept repeating that I needed to take my issue up with my local office. So basically XXXX just feeling like at this point the bank is trying to punish me for their mistake instead of taking accountability for their actions and I dont think this is right at all. I called and asked them because XXXX XXXX XXXX XXXX and XXXX not near as up to date with things as I used to be so therefore needed their guidance. I dont think its right for them to hold me responsible for their error and that they need to take accountability for their mistake and fix this issue. I have done nothing to have my bank account closed down and my funds frozen.

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