Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I just need this forwarded to the correct departments AT BANK OF AMERICA. do not send this to XXXX XXXX. Like the cfpb has done several times. 

**Dear CFPB Representatives, ** I am filing this formal complaint against **Bank of America** due to **serious financial mismanagement, identity discrepancies, fraud-related concerns, and systemic failures in resolving critical banking issues. ** This matter requires immediate investigation and correction. **Additionally, I demand that this complaint be directed to Bank of America XXXX not XXXX XXXX XXXX ** The CFPB has previously forwarded my complaints **incorrectly to XXXX XXXX  XXXX which has caused significant confusion and further financial harm. ** XXXX XXXX  does not and has never managed my primary accounts at Bank of America. The repeated misdirection of my complaints must stop. 

# # # **1. Full Audit of Profile Party Identification ( PPID ) Records** I demand an investigation into all **PPID numbers** linked to my identity, including : - **All current, historical, and closed accounts** tied to my name. 
- A **detailed explanation** for why multiple PPIDs exist under my identity. 
- The reason why my records are " cleared '' in all Bank of America systems except the **Risk and Recovery Department . ** XXXX XXXX XXXX XXXX. Correction of Identity and Name Discrepancies** Bank of America **unilaterally changed my legal name** from " ABH '' to " ACH '' without my consent, causing severe financial and identity issues. I demand : - **Immediate correction** of all records to reflect my legal name : XXXX XXXX XXXX XXXX 
- A **formal explanation** of why this unauthorized change occurred, who authorized it, and under what authority. 

XXXX XXXX XXXX XXXX. Investigation into Fraud, Bank of Americas Failure to Act, and Misdirection to XXXX XXXX Despite reporting these irregularities, Bank of Americas **Fraud Department failed to categorize this issue as fraud. ** I request : - An **explanation** of why Bank of America did not properly investigate these discrepancies. 
- A **review of all internal records and communications** related to these fraudulent actions. 
- **Documentation of call logs** showing why my inquiries were forwarded to XXXX XXXX instead of being handled by Bank of America XXXX 

XXXX XXXX XXXX XXXX. Investigation into XXXX XXXX XXXX XXXX and Unauthorized Transactions** I demand an investigation into XXXX XXXX Credit Unions** ( XXXX  ) involvement in unauthorized transactions and their collaboration with XXXX XXXX. Specifically : - **One check** written to XXXX of XXXX, XXXX was **processed through duplicate presentment at least four times, if not more. ** This **triggered Bank of Americas fraud detection system. ** However, because my identity had already been **separated from its true profile, Bank of America was unable to resolve the issue, creating additional financial complications. ** - When I called **Bank of America for assistance, my calls were forwarded to XXXX XXXX XXXX which had no access to my accounts and could not assist me. ** - **XXXX, assuming they were contacting Bank of America XXXX failed to verify account legitimacy. ** I demand an investigation into why compliance procedures failed in this situation. 

XXXX XXXX XXXX XXXX. Full Disclosure of Potential Trust, Estate, or Investment Account Misclassification** I demand clarification regarding whether my accounts were misclassified under : - **Generational Skipping Trusts ( GST ) ** - **Legacy Accounts or Estate Accounts** - **Zero Balance Accounts ( ZBA ) ** - **Other trust or investment account structures without my consent** Additionally, I require **a full review of my banking history** to determine whether my accounts were subjected to estate management or investment oversight, affecting my ability to access my own funds. 

XXXX XXXX XXXX XXXX Investigation into the 1989 XXXX and Potential XXXXXXXX XXXX XXXX Funding** I demand an immediate written disclosure regarding : - **Whether the 1989 XXXX was or has been funded by XXXX XXXX XXXX XXXX. ** - Whether external entities influenced my financial records at any time. 

XXXX XXXX XXXX XXXXXXXX. Compliance with the Right to Financial Privacy Act and Production of Documents** Pursuant to the **Right to Financial Privacy Act ( 12 U.S.C. 3401-3422 ), ** I demand the immediate production of : - **All reports, internal investigations, and correspondence** related to these concerns.

- **Records of all communications between Bank of America , XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX ** - **Any justifications for multiple PPIDs** under my identity. 

XXXX XXXX XXXX XXXX. Immediate and Proper Handling of This Complaint** I expect a **timely and detailed response. ** Failure to act accordingly will result in : - **Formal regulatory complaints to additional federal agencies, including the FDIC XXXX SEC XXXX and XXXX XXXX ** - **Potential legal action against Bank of America for failure to address these financial irregularities. ** - **Public disclosure of these improper banking practices to expose systemic failures in consumer protections. ** **Important Disclaimer : ** This complaint is directed at **Bank of America XXXX not XXXX XXXX XXXX ** The CFPB has **previously forwarded my complaints incorrectly to XXXX XXXX XXXX which has caused severe disruption and further financial complications. Merrill Lynch has never managed my primary accounts, nor did they have access to resolve these issues. **This misdirection must stop, and I demand that all correspondence regarding this complaint be addressed directly to Bank of America XXXX ** I request a **formal response from Bank of America** , and NO communication from XXXX XXXX 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 non-monetary relief