Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I filed a claim on XX/XX/XXXX in the amount of {$10000.00} regarding XXXX transactions. On XX/XX/XXXX and in XX/XX/XXXX, I won {$10000.00} and {$3000.00}. As of XX/XX/XXXX, Bank of America ( BoA ) approved a claim in XXXX  favor. I mailed my rebuttal, or counter claim, today. I do not owe XXXX {$10000.00} or any other amount of money. 

My complaint is that BoA is wrongly holding on to my XXXX XXXX  money because they claim my account is in the process of XXXX and it will remain in this non-paying gray area because of an XXXX  claim. But, they are continuously making final decisions and taking XXXX  actions on my account while denying me access to my funds. 

Also today ( XX/XX/XXXX ), XXXX XXXX benefits were directly deposited into my BoA XXXX account. My balance is now {$1000.00} in checking and - {$14.00} in savings. As soon as BoA opened, I went to a ( BoA at XXXX XXXX XXXX XXXX XXXX, MI XXXX ) bank teller to withdraw {$1000.00} from my XXXX account. The teller asked me if I was aware that my XXXX account was slated to XXXX. I was not aware. I told her that XXXX transfer funds from my XXXX account to the XXXX to cover any negative balance. She tells me to wait as she goes to the back office. She returns after XXXX minutes or so and hands me a post-it with a number to call ( XXXX ) regarding the banks decision to not touch the money thats currently in my account. BoA refused to give me my money?!!! My XXXX  money!!? 

Ive spoken with XXXX BoA workers : bank teller, representative on the XXXX, and a representative on the main line. In all, the reps said that my account is in the process XXXX XXXX  Once, whenever, it XXXX  then theyll mail me a check of my balance??? I was told BoA made the business decision to end a banking relationship with me. Since that is the case, traditionally, all of my funds should be removed from the account ; but, they wont release them to me. Next, XXXX told that it can take XXXX business days until a check is mailed out thats whenever BoA actually closes my account. I offered to close it myself! The main line rep said I cant do that because BoA beat me to the decision to close the account, but wont do it because of an open claim. So, all of these decisions and final actions are being made by BoA, except for releasing all of my money and closing the account??!! And I cant get my money?! BoA is holding my money and sticking to a gray area in which it denies me of receiving my XXXX XXXX benefits. 

That is wrong and illegal. Terrible practice. 

A few days ago, my XXXX XXXX made me aware that my XXXX card had been removed from my XXXX. BoA did not make me aware of cancelling my XXXX  card beforehand. I cant complete any electronic transactions or withdraw funds from a ATM using my XXXX XXXX XXXX  card. BoA did not generate another XXXX XXXX card for me either. On XX/XX/XXXX, I received a thick packet from BoA XXXX XXXX XXXX, stating my claim was not approved. BoA ruled in XXXX favor. This is wrong, unfair. The packet is a final decision, right? Again, I sent my counter response along with screenshots and emails today via postal mail. I dont know how long thatll take to get to them, or finalize.

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