Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
- The issue probably started around XX/XX/year>. I made online transfer from a Bank of America ( BOA ) Credit. Everything went well. I didn't get any Fraud alerts at all through my online banking, text, email etc. - I had an international business flight on XX/XX/year>. I drove to local branch of BOA at XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my way to the airport to make a transaction for cash withdrawal from by debit checking account as I needed that money urgently for my trip. My Debit didn't work on the machine for card error. The counter agent was helpful and logged on to my account on her screen and everything was good for the transaction of {$9000.00} dollars. She called in the XXXX to approve the transaction. The manager saw a Fraud alert on my Credit ( not the debit ) and then he refused to complete the transaction before I clear the Credit Fraud alert. The Credit Fraud alert was related to the balance transfer I did but wasn't aware about. I explained ( and likewise the online bankers confirmed ) that the Fraud is on the Credit but the debit is all good so needed urgently my money to catch my flight but the manager without explaining exactly why he insisted for not completing my transaction. They couldn't even call directly the Fraud dept to solve the issue within reasonable time so I can catch my flight. I was on the call for over an hour being transferred from one dept to another with the local branch bankers and manager witnessing all that. After over an hour, the Fraud online banker confirmed the issue is resolved and connected my with Transfer credit dept to take care of the transfer. The local branch manager released then the unexplained and unjustified hold on my transaction, but it was too late for me to catch the international flight with the connections so all was unfortunately cancelled and couldn't make it for the business trip with all the associated loss. I filed complaint with online agents and submitted survey with the issue but no response yet after several days. - Furthermore and as important, I am still locked out since we presumably resolved the Fraud alert and not able to access my online banking and make any transactions. Not able to use my money, XXXX XXXX to pay people etc. I called since XX/XX/year> several times and spent few hours in the different calls with different depts and every time I was told the issue is resolved but when I log on to use my online banking, am still not able to log on and use my money. Last attempt I made today and called specifically the online account dept so can unlock my account to use my funds. Once more and without giving legitimate reason and as if nothing noted or documented on their system for all the many calls I made and the resolution of the Fraud issue that was confirmed multiple times, the online account agent told me once again she needs to transfer me for the Fraud dept ( perhaps this is at least 3rd time it not 4th they transferred me and reportedly every time they resolved the Fraud. - I am filing the complaint desperately looking for your help to resolve this issue as soon as possible to have access to my accounts and perhaps I will ask for compensation for my cancelled business trips with all the consequences and also for all the my wasted hours of the time I spent to fix this issue which in my other experiences with other banks it usually takes one attempt and only few minutes. Your help is greatly appreciated. Sincerely, 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