Consumer complaint received 2024-04-13 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: MA

Complaint narrative:
I am now going to go to a news station and will be filing a lawsuit and im suing to report how horrible this service has been. I am pasting what i had said in my past complaint to reiterate what happened. 

I applied for a loan online and I got an email saying i was approved. They called me and told me they'd be depositing the money into my account... what I didn't know was they were calling bank of america under my name and filing claims under my name so the bank would credit my account. I was an idiot and sent them money thinking the credits I was getting were from them. Bank of America never called me about the claims so I never knew they were made. A month late bank of america took all the money they credited back and overdrawn my account over XXXX dollars. I immediately called the fraud department and they explained that claims were made fraudulently. They told me to go into the bank and open up a new account so they can refund me the money. I go into the bank and they couldn't open an account despite what the fraud department told me. The claims were made in XXXX and the money was taken back in XXXX. And they know that I didn't file those claims. It took me 2 months to get them to open a new account for me. For the last 3 months I've been promised multiple times that I'd be getting the funds back and once the date hit and the money never showed I called them and I was told a completely different story. I explained the liability protection guarantee to them and they still refused to fund me money. Even when I filed claims against these fraudulent transactions they refused to give me temporary credit. But they allowed these fraudsters to get the credit immediately. I never get a straight answer from them. This has screwed up my entire life. Missing rent, ended up homeless etc. I need my money back. I want to sue them for lying about what they would do for me multiple times, and the amount if times I missed bills because the money didn't show when they said it would. Every rep I talked to on the phone gave me a different story on what's being done. They are trying to get me to pay for the fraudulent claims that overdrew my account. So yes thats what happened however today on XX/XX/year> I had noticed my account was locked and I couldnt get access to the new account they opened up for me due to the fraud activity on my last one. I found out that not only did they close that account too without cause, I got notified that my account was locked due to suspicious activity and I had to reset my password. No notification of what happened on that account or email indicating anything wrong, or that they had closed it. All it said was to reset my password. But when i walked into a branch they told me the bank closed it and couldnt give me a reason why for the account ending in XXXX which was in good standing. However they never paid me back for the other account that had the fraudulent activity and closed it under a collection status. This is getting reported to XXXX  This is the worst banking experience Ive ever had. and now that this is a bigger problem that i wont be able to open up another account due to XXXX. If we cant get this solved civillly. I will be filing a lawsuit for alot more money than what was taken from me.

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