Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
b'Deposit Hold And Language Used By Bank of America.\n\nI deposited a check in the amount of XXXX XXXX  on XXXX  at an ATM and received the deposit confirmation that informed me of the hold on the check and gave a reason for the hold on the check. Please see the exact verbiage as it was printed on the deposit confirmation:\n\nReason: weve placed a hold on your deposit because we have information indicating the check(s) may be returned.\n\nI was able to get the images of the check deposited, and it was paid on XXXX by the other bank.\n\nOn XXXX I went to my local branch to see if it was possible for them to remove the hold after verifying with the other institution that check had been paid.\n\nI went to the teller window and asked them to do just that, two more employees\nJoined the teller and started looking at the monitor. They started chatting in Spanish, I did not know what was being said, it made me very uncomfortable and embarrassed. One of them eventually told me that I needed to see a banker and asked me to sit in the lobby. Finally, I was called by the banker who was not interested in what I had to say. He told me to go back and sit in the lobby and he was going to get the manager. I told him, I did not have the time to do that. I asked him for the managers card and asked him to ask his manger to give me a call. \n\nI called Bank of America Customer Service XXXX XXXX XXXX and did not get anywhere with them.\n\nI called XXXX XXXX XXXX XXXX XXXX XXXX XXXX and left him a message asking him to call me back, to this date, I have not heard back from him.\n\nTo this date, I have never heard back from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOn XXXX XXXX XXXX I filled a complaint with Bank of America, asking them to produce the information based on which they knew the check was going to be returned.\n\nI was given the case number: Case number: XXXX.\n\nI do not dispute the right of bank of America to place a hold on the deposit. What I dispute is that they blatantly lied to me about when they said they had the information that the check was going to be returned. When in fact, they had no such information. Now, I have been asking them to produce that information and to this day, they have not provided me with the requested information. They are saying that they have done nothing wrong.\n \nIn the absence of, not getting the information from Bank of America, on how the bank knew that the check was going to be returned. The information/statement from Bank of America are inaccurate, false and misleading not to mention derogatory and defamatory to the issuer of the check. This is nothing but a deceptive practice on part of Bank of America.\n\nThank you for your indulgence. I look forward to hearing back from you, have a wonderful day! \n\nSincerelyXXXX XXXX XXXX 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