Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Please reference to other complaints Bank of America receive from social security all payments due this week at the same Time on or about XX/XX/XXXX or XXXX, XXXX. They therefore not only knowing they were planning to actively freeze and close my account as the only real response they were giving in handling my complaint, they think it funny to list my funds as pending, like they just received them and not as available considering in my entire history with the Bank I have access and paid out my bills the second this money hits my account. They also know the funds are in the Banks personal operating account so any arguementtey could not play it is an utter falsehood since the government has always allowed each Bank to release he funds the moment they receive them if they so desired. That is why XXXX Bank trend of giving you complete access to your deposits early because all they are doing it relies to they clients their Clients money not the Banks. 

the reason is purely self interest in a nature as all Banks have an agreement with the paying sources of the government to collect interest on the deposits en mass before the release the funds to the account holders. So what is that? their personal take against one on tXXXX dollars every single month with a daily interest payment generate for the Bank itself for there to five days before they give the money to its owners. audit is not just these funds abut all funds going to and coming from the Government, from tax payments to civil service members depositing to their account pay check and all the forms of direct deposit no matte for whomever they wish. For all Direct deposits funds must in the backs hands days before they issue it. all to make more money for themselves at their clients expense and then they pretend how aggrieve they are and do not know wha is happening when such a large portion of they depositing base is use for self enrichment while never telling anyone that is wha they are doing. 

Meaning not only did they lie to myself and you about making any effort to correct and repair my account. They knew on the XXXX of XXXX their goal was to steal as much money as the could from my account before closing it without cause. I have never bounce a check or question a fund but what I knew should not be there. They lied and had fun with it even though it was not until last Friday I got the letters sent to me on home made letter head that is obviously not the banks. they had intent to close my account. an then told me it wa not the case at all so I did noted to worry about it. 

If you are hesitant to think this is really what the banks policy is, please remember that my own expertise is formed by a background of XXXX for XXXX XXXX XXXX Personally as XXXX XXXX  and all this kind of errors by the Bank daily. 

If they were not behaving as deliberate bad actors the bank could have sent the money back to the social security days ago knowing all along the account was closed. Instead they keep tryin to act innocent while doing nothing but deliberate harassment of my self and my account. 

Finally I have never had a problem removing my funds form the account before they are clear complete which will not happen until after Monday. I truly feel the Banks action are solely retaliatory because they now feel if XXXX can penalize anyone getting to many refunds and closing their accounts. That Bank of America now use the same excuse against their clients for exercising my rights to contest fake payments to my account. The fact is the just assumed I would not say anything to anyone their might stop this happening to other as it has summary before me. 

Oh and because the are such nice persons they have reopened my closed account to sen money into so they can muddy up the waters even more making it hard to remove my deposit fast the it will take them to close all my account and return the funds either to to social security or worse the game of their sending a check for the funds I will not receive until next weekend at the soonest and which they will then say can not be honored because the account is closed. 

I am gong to now point out the obvious if it were or is bank policy not to even pursue requests for crediting back theft In a client 's account more than six months old. can the explain why they entertained as far back as XX/XX/XXXX wasting my time with this sad affair. and give me credit for all I asked for ( which in truth was a customer service reps attempt at helping me fix this not my approaching for more the XXXX and this customer service rep asked fro over {$200.00} on my account ) They know from the second this request came in they were going to reject it, and yet Bank of America deposited more money they they felt I should have consider and kept this charade up until now my entire account and finances are going to be withheld and kept away for me for now better reason then they have some kind of sadist fun doing this. 

It can not be over stated the issued moe credit then the would eve give me and mess up my account entirely why their ridiculous charade they care about their customers. For if bank policy was tha no charge over six months would paid then when and where are they going to explain issues the credits in the first place even after they wee paid as you saw in the first group of evidence I gave you showing the paid the money they said the got from apple on XX/XX/XXXX the same day they issued more credit than I should have got, including monies they said is their policy not to honor leaving my account in a real and set up to cancel before I could even think about it. 

More over it is bank policy not to find out why a credit is issued but to consider all credit int he aggregate and apply it to they request. the the two payment for taxes collected they should don't have taken at apple under my state laws being returned on the day I put in my request to the bank to dispute the charges the decide were part of a dispute that was open later int he day after I told them I had business with XXXX and need to to fix my account and it was XXXX 'S security team how informed me the charge I asked them about as not there and they did to evens it in their computer so they advise me to contact the bank and ask them about it. 

I am also got to remind everyone here their response was I should block and stop all dealings I would ever have with XXXX for a charge XXXX did not do, but used an active smokescreen so the bank could flag me as fraudulent and attack account and services. This happening after Bank of America had two data breach event on less than seven months apart and failed to make any effort to tell their client base or the public at large. 

so knowing all the facts were they not pursuing their own fraud claims and more importantly knowingly intending to do me harm and even slander my good name all for a few more XXXX there Never entitled to. 

Any action of the bank inventing reason to generate income through the abuse of their client base is nothing more then a policy to defraud the public and cover their tracks. I am so wrong then wh would they issue credit from something they had not intention of honoring and then play this game ending up in their expectation to aging more funds for money they claim thy need to remove from my account on Monday after saying it was paid. 

I find this as extortion and slander give me by the bank and something I am more then willing to pursue in the courts no matter what they do now so I am going to inform you now I am going to take this further with the XXXX and XXXX of Illinois with an proper complaint and all these exhibits contained their in.

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