Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Tuesday XX/XX/XXXX I went to XXXX XXXX Bank of America to discuss with a bank agent issue with courtesy low balance notice that suddenly changed on my acct. The XXXX XXXX XXXX XXXX XXXX said there weren't anyone available, I asked for an appointment. XXXX said come back at XXXX, then she said we can change or rules anytime & the rules always change. I told her I have been a customer of this bank for XXXX years & BOA has always notified me. XXXX continue to belittle me & gaslighting me in the lobby & members were in the lobby. I told her I will be back at XXXX & if this is so what you are telling me, BOA will lose a long standing customer & she laughs. So I leave & when I came back at XXXX she has her teller meet me at a desk were he placed his name plate as a teller on the unassigned desk. I asked him, my appt is with you, I have never met with you at these agent desks, I thought you were recently hired & you were a teller. He said ; no I have had 5 years with Banking. I said ok & I began to explain that a check did not clear because my acct was {$25.00} below the amount of the checkout. But BOA has always sent a courtesy low balance notice saying we paid your check please deposit funds & we had until XXXX if the transaction occurred after XXXX or until XXXX if it happened the day of. XXXX did not bother to pull up my acct up on his computer or anything instead he had been schooled by XXXX XXXX giving me Deposit agreement and disclosures book effective XX/XX/XXXX on page XXXX he highlighted XXXX bullets. I told him, this is not what I am talking about I am talking about how unilaterally without notice a change occurred on my account involving courtesy low balance alert notice not being sent out. The representative XXXX then said Banks can change their rules at anytime without notice. I said that is not true that is slamming a customer & we are protected. I told him I need a print out of my bank acct changes that occurred in the past 10 years. He again without bothering to ask for ID, my debit card or anything said we can give 7 years worth of records. I said ok please print out 7 years worth of changes to my account, he said ; I can't print that for you. I said then send electronically & I will he said ; I can't. I said why not, he said it's internal information. I said you know what, this isn't an appt this is interrogation by that lady up front she schooled you for this appt. I am going to call a lawyer he said call who you want they can't change anything. I asked for that lady business card I am going to get an attorney involved he said you can call whoever you want nothing will change, then he handed me XXXX XXXX XXXX card as I am walking out & XXXX just laughed like if saying BYE. I said great customer service & snatched the business card out of XXXX hand to let them know this is serious what they just did!

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