Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am really sorry but I am at wits end with this bank. As you may have noticed I sent two other complaints about my account at Bank Of America. in response to my complaints to you I was contacted by a woman claiming she was s their three supervisor and was calling to tel me a young lady named XXXX or XXXX both names have appeared not the cell phone. Well she and I have been playing phone tag all week. yesterday on XXXX XXXX XXXX  she called twice in the morning and this time. was able to pick up the phone thing is I answered and they did not. 

I was called by a their 3 supervisor that explained she had assigned a young lady to assist in fixing the problem. I now know how they planed to fix it. 

The young lady assign called on Monday I was not near my phone so I called back to tell her I received her message. The phone I was called from did not identify as Bank of America it was register to a XXXX XXXX in XXXX and to XXXX XXXX XXXX. I just assumed that she was using her cell and continued to return her calls. Today at XXXX XXXX XXXXXXXX time I discover my account was closed, permanently. 

They only sent home made letter he'd letters to me before the woman on Sunday called. I told her then the employee who was both rude an vindictive, was behind what ha happened. She then ask me a funny question. She asked If I did submit the complaints to you. I did not think anything of it so I told her yes, and then I pointed out did not do it to cause problem but as the bank employee stoped trying to help me I felt I did not have any other choice but to repot this. The woman gasped and said do not worry it will be fixed. 

I just got of the phone with a man named XXXXwhosaid he was from the Bank of America risk dept and they decide on XX/XX/XXXX the same day I dealt with this woman to permanently end my relationship with the bank for business reasons. 

Now I have been honest nd I thought they really did care to help me out. I am going to say this as clearly as possible. I never bounced check nor got anything I was not entitled to. I have always been responsible and able board because I was not Just a customer of Bank Of America I was an XXXX XXXXXXXX XXXX yeas ago before my health went bad. I left the company in good standing, a bank branch manger and worked closely with the eco of Bank of America commercial banking in Illinois. All that, and each and every time this month I made sure to respect fully ask why the actions did not meet bank standards and they fell I was joke. 

The went so far as to correct my bank statement in XXXX and XXXX an on into this month to fix the account. You know I should have figured that when they admitted not fund from XXXX  came and erased from the account I made a copy showing new number through move until last week. I tried to think they were honestly trying to help. 

I even receive new messages from the bank of my new card was in the mail and tell me how in the complaints it wa call repaired into my favor. And then I had a letter saying even though they ha honor part of my complaint they were planning to take {$65.00} out of my account next week in XXXX. They even gave me what I had asked for and closed out all the complaints in my favor. You know the let me sing you to sleep number. 

They did this knowing full well that they were planing to not only close my account today. but doing so so I would lose my social security check that is now in their possession and they will return next Monday because they closed the account. they have essentially decide that their rude obnoxious behavior And I might say target closure of my account is my problem and my fault. 

The know they are deliberately arming me. know that because today right after I saw the account on hold again I received the root that showed up on my credit report and how it dropped my credit through the floor. XXXX point down In a few second of their closing my account. They know full well why I get social security was because of ill health because it began when I worked forth and had a XXXX less then six months later. 

it is outrageous that all they pretended to do this week was solely to have me face the account closed on the second with my having no recourse to repair or deal with it until next week. they claimed they did not send my name to XXXX XXXX but I know full well the once transuion responded to my account being closed They sent everything to XXXX XXXX. I tell you now I know what their next step is going to be. 

They are indeed going to back charge my account next week. The fact I can still seat is proof they have yet to really close the account but you see when they do close it it will be because " I '' over drew the closed account and then they have a legal right to repot me to XXXX XXXX destroying my ability to ope bank account anywhere. 

In the process the two or three month screwing they are planning is going to happen and then like God at the red se it will be cleared up butthye will get the fun of causing some nobody the ability to shaft them. just because they fife like it. I hate to admit iknew this kind thing happened back in my day so maybe they are enjoying XXXX back on me because all along I keep bringing it up higher. 

On the bank system is not isolated from one depart to another. it can not be or else the branches who Never now what happen to the account before they get the customer in. They mast in cs sign off with the names of the employee every step of the way o else their deciding to harm interests could not happen. Any letter sent to the customer is in the same system as the branch office, home office and Risk as well as tier three managed meant and all of the fraud dept. Again even if I were not speaking as a XXXX XXXX if all the information from the bank 's closing decisions, the employee who has to sign off no their action reports and the fraud department all inter connected and working together. 

The young man XXXX spoke with today in Risk about fraud could not understand why it was a mystery all along. That means if thy are going to play dumb and act like they know nothing. you do not get multiple devisions involved and then claimed the know nothing. 

That means when they responded to you, they already kew full well the amount was going to be closed on XXXX. They not only knew it the same date always comes up XXXX XXXX leaving no doubt in my mind who pushed this along but knowing whomever this woman is the out was always going one the same no matter what. Why would it not be if th day all this was " Decided '' was on XXXX XXXX XXXX the day she showed such cause and open disregard to what I wa calling about or even helping me when she came to the phone. I can only guess that when XXXX the guy I talked to her before hand my call love it was already in motion. 

Now I know Their is nothing I can do bout my direct deposit now. I know full well the ham and indeed problems they have cause d me and I the end I will not be surprised if they know the full extent they are going to arm me financially is beyond just bank error driven closure of an account. 

Nothing personal I know you can not fix this now even if you wanted to. I take all the comfort int he world that I am not ending it here. So pleas file this as the end of this affair and if their is anything you can do for me I aprceiate it but I also know if nothing coms of this it was not for your lack of trying.

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