Consumer complaint received 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America online has created another checking account without my knowledge, or my authorization. Problem is I already have BOA checking account and have been using for XX/XX/XXXXyears. Now I have XXXX checking accounts. So I requested to remove checking account opened by BOA without my authorization. BOA Refused. Then suddenly the checking account they created shows over XX/XX/XXXXXXXX balance. It doesnt add up. I have enough funds in my original checking account, but BOA intentionally without my authorization opened another checking account which creates a lot issues. I really dont have any clue where this - {$9000.00} balance comes from? But recently I did see a lot of manipulations with my payments in my checking accounts. Suddenly- XX/XX/XXXXred signs appearing in my account everyday. I just thought that it was so bizarre. It started happening after I pulled out {$12000.00} fund from BOA account to other bank. A week later I started seeing countless suspicious signs and my payment manipulation daily in my checking account. In my XX/XX/XXXX years of life, I have never had any negative balance in my bank accounts. Suddenly I have- {$9000.00} negative balance in my account? Why BOA opened another checking account when I have checking in the last XX/XX/XXXX years. When I have positive {$6000.00} balance in my original checking account, suddenly seeing red XXXXXX/XX/XXXX appears- {$9000.00} in balance signs Something is very wrong here. And I have been seeing many questionableXX/XX/XXXXsign in red in my payments without any reasons. Everyday I was able to see BOA manipulations of XX/XX/XXXX XX/XX/XXXX in my checking account with payments I have made. My desired outcomes : XXXX. Remove XXXX checking account BOA created without my authorization. XXXX. Stop manipulate with my payments with plus, negative signs in red in my accounts. My question is WHY BOA opened another checking account when I already have, have been using in the last XX/XX/XXXX years. Those red minus signs, started appear and a lot of manipulations with my payments withXX/XX/XXXX signs. It started right after I transferred {$12000.00} to another bank! And then BOA suddenly LOCKED my original BOA checking account without any notice, or without any explanations. I called BOA, voiced my serious concern about their BOA illegal practice, and then BOA became more worse by LOCKING my original checking account in order to blocking to pay the bills. Once again, those incidents started right after i transferred {$12000.00} from BOA savings account to other bank, XXXX XXXX. BOA illegal actions by pulling out my transferred funds from XXXX XXXX bank accounts without my knowledge is found to be outrageous. At the same time, BOA started demanding to pay the bills from the account newly created by BOA. It happened right after BOA locked my original checking account. It means, in order to pay the bills, I will have to make deposit into new checking account BOA created without my authorization.. I called BOA on numerous times to ask them to remove XXXX checking account BOA created without my authorization, but it was completely ignored. It became worse after voiced my concerns, BOA suddenly locked my original checking account. It means I dont have any choice but making deposit into new checking account BOA created without my authorization. This BOA tyranny started occurring right after I transferred partial funds from my BOA saving account to other bank, XX/XX/XXXXXXXX. Next day, BOA immediately took it back from my XXXX XXXX account without my consent. I learned this BOA tyranny from message from XXXX Bank. I continue to manipulating my checking accounts. BOA intentionally uses in checking account they created and then started sending me constant messages Insufficient FundInsufficient fund make deposit. Return check Return check Whenever I used fund from ORIGINAL checking account to pay the bill. Then started sending me daily message RETURNRETURN ( checks ),, .. MAKE DEPOSITMAKE DEPOSIT.INSUFFICIENT FUNDS. I feel being harassed everyday which gave me tremendous mental stress as well as My credit score started dropping very fast from over XXXX to now barely at XXXX. I am XXXX XXXX XXXX, and suffering from XXXXXX/XX/XXXX BOA tyranny is too much to take, often I had to ignore what they were doing in my account with my payments. I was thinking my self Am I really in United State??? BOA ugly practice is found to be shameful as an American citizen. I decided to close all my BOA accounts and tried to pull out 100 % funds from BOA ( from Saving, Checking account ). But I realized that BOA already blocked my bank accounts movements in my account. Right now BOA continues to full pay bill on time from checking acount they created against my repeated requests and then keeps sending me messages repeatedly Insufficient FundsInsufficient funds, Check Return, Check Return.everyday despite of fact that I have more than enough funds in my original checking account. My numerous requests to close XXXX checking accounts BOA created. BOA just has been ignoring my repeated requests, to close XXXX checking account and continue to manipulate unlawfully with my payments in my checking account. Everyday, I see red marks on my all payments.

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