Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am an XXXX XXXX and formerly held both a checking account and a savings account with Bank of America. In XX/XX/XXXX, I requested Bank of America to close both accounts and remit the remaining balance to me via Cashier 's Check. The total amount owed to me is approximately USD XXXX. Initially, I requested that the Cashier 's Check be mailed to my residential address in XXXX. When the bank was unable to deliver the check to my XXXX address, I provided an alternative mailing address in the United States belonging to a trusted friend. Despite providing multiple addresses and repeatedly confirming my contact information, Bank of America has failed to deliver the Cashier 's Check. For more than 15 months, I have been following up regularly with Bank of America through customer service representatives and supervisors. During these interactions, I have repeatedly requested an explanation regarding the failure to deliver the Cashier 's Check. However, no representative has been able to provide a clear root cause, status update, or resolution. On multiple occasions, I was informed that the issue had been addressed or that the check would be delivered shortly, but no check has been received. As of today, Bank of America continues to hold my funds and has been unable to explain why the Cashier 's Check can not be delivered to either my XXXX address or the XXXX address I provided. I have spent significant time and effort following up on this matter over the last 15 months without any meaningful progress. I am requesting that Bank of America : Provide a written explanation of the root cause preventing delivery of my funds. Confirm whether a Cashier 's Check was ever issued and, if so, provide the issuance date, check number, mailing details, and current status. Immediately reissue and deliver the funds through a secure and verifiable method. Return the full balance of approximately USD XXXX without further delay. Below is a summary of my follow-up history with Bank of America XXXX XXXX XX/XX/XXXX XXXX with XXXX. The issue was discussed ; however, the call disconnected after approximately XXXX minutes before a resolution was provided. XXXX XX/XX/XXXX XXXX with XXXX. My address was updated again. XXXX : XXXX. Case # XXXX. XXXX XX/XX/XXXX XXXX with XXXX. I was informed that the XXXX mailing address had not been properly updated previously. I provided the address again. Case # XXXX. XXXX XX/XX/XXXX XXXX with XXXX. I requested that the alternate XXXX address be updated. I was informed that the check would be delivered within 14 days. XXXX XX/XX/XXXX XXXX with XXXX XXXX. My request was taken, but the call disconnected before completion. XXXX XX/XX/XXXX XXXX with XXXX XXXX My XXXX mobile number and address were updated. I was advised to call back after XXXX weeks to check the status. No case number was provided. Despite these repeated follow-ups, Bank of America has neither delivered my funds nor provided a satisfactory explanation for the delay.

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