Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2025, I received a legitimate, verifiable payment from XXXX for {$6100.00} into my partner XXXX account. He immediately transferred this full amount to my Bank of America checking account Shortly after the transfer, my debit card was declined while attempting to buy groceries. I also discovered that my partner, XXXX, had sent me all the money he had We have been blocked from accessing any of our money. 
We have made multiple attempts to resolve this in good faith : In-Person Branch Visit : We went to a Bank of America branch with all of our identification. I offered to show the bank staff my XXXX account on my phone as unarguable proof that the {$6100.00} was a legitimate insurance payment from XXXX. 
Refusal of Evidence : The bank staff refused to look at my proof. They stated my account was being closed due to a " final decision '' and would not provide any reason. 
Refusal of Documentation : On XX/XX/XXXX, I returned to the branch. The staff printed my past statements but refused to provide a 'Notice of Account XXXX ' or any written documentation explaining the closure. 
Conflicting Information : I was given a number to call, where I was subjected to a severe run-around. 
XXXX representative told me to ask for the account to be " unfrozen '' long enough to withdraw my cash. 
A subsequent representative refused this, stating that because I had also put in a request to pick up funds in person, my account was now blocked from any action. 
I was told I must wait XXXX to XXXX business days for a decision on whether I can have my own money, and another representative warned it might take until XXXX. 
This is an extreme financial emergency. Bank of America is holding my family 's entire budget hostage. This money is for our XXXX rent, utilities, and groceries prescription for my infant child with a breathing condition. I have XXXX children, and we have no access to any money because of these actions. 
The bank 's refusal to review my evidence, provide a reason for closure, or offer any path to resolution is an unfair and deceptive practice. 
Desired Resolution : Immediate Release of Funds : I demand the immediate release of my entire balance. I expect to be able to go to my local branch today and receive a cashier 's check for the full amount. 
Formal Written Explanation : I demand a formal, written explanation for why my account was closed and why bank staff refused to review my evidence of legitimate funds. 
I am documenting every call and interaction and am attaching my XXXX screenshot showing the XXXX payment. I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ) by the end of the day if this is not resolved. 
Sincerely, 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