Consumer complaint received 2024-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On or about XXXX I reported to Bank Of America that XXXX had engaged in deceptive trade practices and breach of contract. I requested that BOFA investigate XXXX : The agent was very obtuse and seemed uninclined to process the numerous disputed transactions associated with XXXX 
At no time did the agent advise Council there was a limit on the number of disputes a customer could file before the customer would be blocked from accessing their account and given access to disputed information which pertains ( to an ongoing FTC lawsuit against XXXX ). 
BOFA did not contact Council prior to closing his account ( for the following verbal reason ( SARs reports, fraudulent suspicions, business decision, and or other obscure reasons ). 
Council is facing ongoing court proceedings associated with the information contained in the disputed information : Dates, amount, specifics regarding deposits and withdrawals associated with the blocked accounts. 
Council has pending FEMA claims and disaster unemployment investigations which require proof of past income, purchases, and lodging expenses. All such information contained in the account which BOFA has denied access to.

Council has pending disputes which require Bank of America to provide Council with ongoing updates and access to information via the investigations. Bank of America has provided no such information jeopardizing Council pending court claims and impeding an investigation.

Council entered into contractual terms with Bank of America ensuring that he would be given the right to dispute claims, have such claims investigated impartially, and that he would be treated the same as all other BOFA customers who disputed legitimate claims of fraud requesting dispute investigations.

Bank of America is interfering with Council ability to gather evidence to be provided to the Federal Court regarding : information contained in the disputes which are also central to pending federal litigation : Bank of America is obstructing a lawful investigation in violation of Council First Amendment Right of Access to Court. ( Fourth Amendment right to be secure in his papers and person. ) Bank of America is intentionally and knowingly violating Councils civil rights. 
Resolution Total access to information contained in the closed account in question account ( ending in XXXX ) updates and precise information regarding disputes with Draftkings and other information contained in the account necessary to access courts. 

Banks are indeed required to share certain information with customers after a dispute investigation. Here 's a general overview of what banks typically share : 1. **Investigation Outcome** : The bank will inform the customer about the outcome of the investigation. This includes whether the customer 's claim was found to be true and if a chargeback was justified.

2. **Reasoning** : The bank should provide an explanation for their decision. This includes the reasons why the claim was accepted or denied.

3. **Transaction Details** : The bank may share details about the transaction in question, such as the amount, the date it occurred, and any other relevant information.

4. **Next Steps** : If the dispute is not resolved to the customer 's satisfaction, the bank should inform the customer about their rights and possible next steps. This could include escalating the dispute or filing a complaint with a regulatory agency. 

This is the first notice of intent to sue. 
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 monetary relief