Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Complaint because Bank of America closed all my accounts in the last week of XX/XX/XXXX. 
In parentheses, you will see the names of the reference files. 
I received mail from Bank of America around XX/XX/XXXX asking me to call them before XX/XX/XXXX, to avoid restrictions on my accounts ( BOA letter XXXX ). 
On XX/XX/XXXX, I called the number in the letter. The agent asks me to provide the name and address of my employer. I gave her XXXX XXXX XXXX and my home address. Im the founder of this non-profit registered in Massachusetts since XX/XX/XXXX ( XXXX XXXX XXXX XXXX ). 
The agent said, You are all set. Thank you for updating this information ( Proof of call to BOA on XX/XX/XXXX ). 
On XX/XX/XXXX, I got emails from Bank of America about deletion of XXXX and XXXX because my accounts have been closed ( Proof of closed accounts XXXX to XXXX ). 
I called the same number on the mail I received before. The agent said to me that my account is not closed. They were a restriction, and the credit cards were closed. She said that my checking and savings accounts were back opened. 
I keep receiving emails about payments being declined. 
On XX/XX/XXXX, I called Bank of America to reactivate my credit cards, but the agent gave me an email to right to XXXX ( Proof of email to BOA on XX/XX/XXXX ). The email went back undelivered. 
On XX/XX/XXXX, I called Bank of America at the phone number on the mail I received before. The agent said that my accounts have been closed because my case didnt get the proper follow-up at the first time. They were able to open back my checking and savings, but I have to call customer service to ask for new debit cards because they were closed as well. Unfortunately, they are not able to reopen the credit card because once it is closed, they cant reverse it. She apologized for the inconvenience. 
I said that I wont support the consequences of Bank of America mistakes, and I want to file a complaint. She said that she will escalate my case by writing notes, and I will get an email with a link to report my complaint. I never got this email with this link. 
She transferred me over to customer service on the same XX/XX/XXXX. After a long wait, I got an agent to reissue my new debit card ( Proof of debit card requests XXXX and XXXX ). 
I need legal services, a lawyer to have Bank of America to : -not blame me for their own mistake -give me back my credit cards. 
-not ask me to pay the full balances on the cards because they closed them. 
-not send my case to debt collection -not hurt my credit score by the credit cards closings. 
I called back Bank of America on XX/XX/XXXX, way before the deadline on their mail, which is XX/XX/XXXX, but they closed all my accounts on XX/XX/XXXX. 
Its unfair to me. 
I have been a Bank of America customer since XXXX. 
I cant pay for Bank of America mistakes.

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