Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I also have another complaint which is also currently active.The new development is I was contacted by XXXX XXXX XXXX last friday stating that XXXX XXXX XXXX of the XXXX plus XXXX I m owed is in the mail. She told me that they had issued a cashier 's check for that amount.And we're still working on the XXXX XXXX. Monday morning, I called three branches to ask.If I could cash, the check and what the protocol would be.Since it is a large amount The lady asked for the amount, I told her it was in excess of XXXX XXXX and she said that it was against policy to cash a check over XXXX XXXX dollars for a non customer. Now please be aware today. I received 5 pieces of mail from Bank of America two weeks or a little more than that after they closed my accounts. I've also been told in the past that it is up to the consumer. To verify funds prior to attempting to deposit into a financial institution 's deposit accounts. This is in bank of america 's own terms ofservice s not to mention, I am being told by Bank of America. I have no choice but to deposit that large amount of cash into an exterior account even though this is exactly why bank of america shut me down in the first place and d banked me. And yes, one of the wonderful representatives I did speak to did give me a reason, which I found quite rare because in my research most never got a reason for account closure. But mine was because of the large deposit amount after my real estate sale. And it's triggered an algorithm. Essentially, after I called my bank, I explained to them. What was going on? I told them the exact dollar amount of the check. I am expecting and my intention to deposit it within the account. I was advised by a branch manager that since it was Bank of America. And there was a history of multiple customers having their Bank of America. Cashiers check reversed that the best course of action is to have Bank of America cash. The check since a cashiers XXXX is certified funds. I called the largest XXXX near me, which is the XXXX XXXX XXXX. XXXX XXXX location for Bank of America. I explained what I had coming, which is the Bank of America. Check and my intent to cash it. I was immediately shut down, told to wait, and then when the gentleman whose name is XXXX XXXX came back, he told me that while it is discretionary He had no intention of honoring the check and that after inspecting the check. He had a strong reason to believe that funds would not be deposited into my account.And would simply be returned to bank of america. This is week 3I have experienced with no access to any of my money. As this house was sold in order to sustain my family while my husband and I take off work for his XXXX XXXX XXXX recover. I explained the need that my family was experiencing and I was treated like a criminal even though I brought in paperwork which was dated XX/XX/XXXX one letter for each account Bank of America closed and they clearly outlined that I the consumer was at no fault in bringing about the current state of affairs Had Bank of America simply done their investigation and found there was no wrongdoing and simply put my account back online. I would not be having the issues. I am having opening a new account. Yep, because Bank of America decided to close my accounts. Prior to any conclusion of my narrow standings, I have now been forced to no longer Va Bank of America. Customer, who holds A large amount of money in cashiers checks that the bank, who issued them. We'll not honor them. Assist the final straw for my family. My husband needs to get to his follow-up post. Operative, XXXX checkup, we could not even afford the {$10.00} copays. For his prescribed medicine this wee The resolution I would like to see occur. Is for someone in the regulatory resolution department or hire contact the Bank of America. Branch in XXXX, North Carolina, located at XXXX XXXX XXXX off of XXXX XXXX and direct them to cash. My two cashiers texts that are issued from their own institution prior to the cashiers? Check arriving into my mailbox, which could be anywhere from today Until Friday. This is all I'm asking, because my husband desperately needs to get to his follow-up XXXX appointments. And the only thing keeping him from doing so is the unethical practices that persists to violate my family wilfully being carried out by Bank of America who is not a licensed healthcare professional. And it is truly putting a human life in undo danger. My family should not have to suffer hardships concerning their health simply beecause of a rogue bank who has been sued multiple times for this exact practice. It's only made worse when you realize that the money that was, you were speaking with.But yet withheld from you was placed in an interest-bearing account which only further benefited the bank.

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