Consumer complaint received 2026-06-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Dear Sir or Madam, My name is XXXX, and I am writing from XXXX regarding the estate of my late father, who passed away on XX/XX/XXXX. I am one of the legal heirs and possess court-issued inheritance documents from XXXX. I am seeking information regarding my father 's Bank of America accounts, any estate or deceased-customer file that may have been opened following his death, and the current status of the funds that form part of his estate. My father maintained a banking relationship with Bank of America for approximately 50 years, dating back to the time when he studied in the United States. Given the longstanding nature of this relationship, I believe the bank may have extensive records relating to his accounts and banking history. The joint account was held together with my mother. I hold a duly executed General Power of Attorney granted by my mother, which has been properly apostilled and is valid internationally. However, Bank of America did not accept this document, and as a result I have been unable to access the funds. I would appreciate it if you could verify whether there is an estate case, deceased-customer file, or any internal record associated with my father 's name and accounts. I would also like to request information regarding : 1. Whether either account was closed after my father 's death. 2. Whether any funds were withdrawn, transferred, distributed, or otherwise disposed of after his death. 3. The dates, amounts, and recipients of any such transactions. 4. The current balance of each account, if still active. 5. The procedures, documentation requirements, and eligibility criteria applicable to foreign heirs residing in XXXX. 6. Whether Bank of America can provide account statements, transaction histories, or written confirmation regarding the disposition of the funds. I have information indicating that there have been movements in both the savings account and the joint account. Therefore, I respectfully request clarification regarding all transactions that occurred after my father 's death and the legal basis under which such transactions were authorized. I would also like to note that the bank already possesses many of the documents relevant to this matter, as well as additional supporting documentation, under case number XXXX, which was submitted in XX/XX/XXXX. This matter is also associated with CFPB case number XXXX. I respectfully request that all records, documents, correspondence, and information contained in those files be reviewed in connection with this inquiry. I would also like to note that last year I traveled to the United States in an effort to resolve this matter directly with the bank. Unfortunately, my issue was not resolved. To this day, I have not been able to gain access to the funds that correspond to me as an heir, despite providing documentation and making repeated efforts to obtain assistance. Communicating with the bank from XXXX has proven extremely difficult. The telephone lines are frequently overloaded, making it very challenging to reach a representative, and I have been unable to locate a reliable email address or other direct contact channel through which to address this matter. I have available the death certificate, XXXX court-issued inheritance documents, documentation proving my status as an heir, the apostilled General Power of Attorney granted by my mother, and the account information referenced above. As noted above, many of these documents have already been provided to the bank and are contained in the case files referenced herein. Given the length of time that has passed and my continued inability to access the inherited funds, I respectfully request guidance regarding the specific steps necessary to protect my rights as an heir and to obtain complete information concerning these accounts and any funds belonging to my father 's estate. Thank you for your attention and assistance. I look forward to your response. Sincerely, 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