Consumer complaint received 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Subject : Urgent Follow-Up Complaint Regarding Bank of America Denial {$40000.00} Hold Dear Consumer Financial Protection Bureau , I am submitting an urgent follow-up complaint regarding the {$40000.00} that has been held by Bank of America for over 100 days. This is a direct follow-up to my previous complaint, in which Bank of America denied my claim on the grounds that I am not an authorized signer. This is untrue, as I am the one who initiated the transfer and have provided all supporting documentation. To recap the timeline : on XX/XX/year>, I transferred {$20000.00} from my account and another {$20000.00} from my uncle, XXXX XXXX XXXX, to a Bank of America account belonging to XXXX XXXX XXXX. On XX/XX/XXXX, Bank of Americas fraud department called me at XXXXXXXX XXXX and placed a hold on the funds. Since then, despite repeated calls, branch visits, and a police report filed on XX/XX/XXXX, Bank of America has refused to release the funds. On XX/XX/year>, I visited a branch with a church member from XXXX XXXX XXXX in XXXX, where I serve as a minister. Even with her support, Bank of America denied my claim, and when I call them now, no one answers. This ongoing hold has caused severe financial distress for my family and me. I am the one who wrote and authorized the checks, and I have lost all access to my funds, which I desperately need for essential bills and supporting my XXXX kids. I am requesting that the CFPB immediately investigate Bank of Americas actions, as they are refusing to provide a valid explanation or release the funds. Furthermore, I request a formal review of the banks actions, as their denial and lack of communication have caused me irreparable harm. I also request that Bank of America be held accountable and compensate me for the financial losses and the emotional distress this has caused. I have attached all relevant documents, including the transaction records, call logs, the XX/XX/XXXX police report, and Bank of Americas latest response. Please help me resolve this injustice as soon as possible. Thank you for your time and attention. Sincerely, XXXX XXXX XXXX, XXXX Phone : XXXX Email : XXXX Call record after XXXX Bank of America Fraud Department Call : XX/XX/year> XXXX XXXX Call : XX/XX/year> Bank of America Fraud Department Call : XX/XX/year> Bank of America Fraud Department Call : XX/XX/year> ( no pick-up ) Bank of America Fraud Department Call : XX/XX/year> ( 16 minutes ) CFPB Call : XX/XX/year> ( Friday ) Pennsylvania Department of Banking Call : XX/XX/year> CFPB Call : XX/XX/year> ( XXXXXXXX XXXX XXXX no pick-up ) CFPB Call : XX/XX/year> ( XXXXXXXX XXXX ) CFPB Call : XX/XX/year> ( XXXX XXXX ) Bank of America Complaint Call : XX/XX/year> ( XXXXXXXX XXXX - no pick-up ) CFPB Call : XX/XX/year> ( XXXX XXXX ) OCC Call : XX/XX/year> ( XXXXXXXX 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