Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
COMPLAINT TO CONSUMER FINANCIAL PROTECTION BUREAU : BANK OF AMERICA PRODUCT OR SERVICE Checking and savings accounts KEY FACTS I am a XXXX customer of Bank of America who has been attempting to close my checking and savings accounts for one week. This situation presents an urgent financial safety risk as my documented abuser ( my mother ) maintains full access to these accounts. My repeated reasonable attempts to close these accounts have been systematically obstructed by Bank of America 's failure to provide legally required account services. 

DETAILED DESCRIPTION OF THE PROBLEM Bank of America has violated multiple consumer protection standards in their handling of my account closure request : 1. DENIAL OF BASIC ACCOUNT SERVICES : Despite the Electronic Fund Transfer Act and CFPB guidelines establishing consumers ' right to control their financial accounts, Bank of America has effectively denied me the fundamental right to close my own accounts. 

XXXX. PATTERN OF SYSTEMATIC SERVICE OBSTRUCTION : - PHONE SUPPORT : I have called Bank of America customer service daily for the past week, spending 20+ hours attempting to reach a representative. Despite using recommended prompts ( " agent, '' " representative '' ) up to 15 times per call, I have been unable to speak with any human representative.

- BRANCH VISITS : I have visited two separate Bank of America branches where I was told no bankers would be available for " two more weeks '' without offering alternatives or accommodations.

- NO DIGITAL OPTION : Unlike industry peers who provide secure online account closure options, Bank of America forces vulnerable customers into these non-functional service channels.

3. FINANCIAL ABUSE ENABLEMENT : By refusing to process my account closure request, Bank of America is directly enabling continued financial abuse by allowing my mother to maintain unauthorized access to my financial information and assets.

CONSUMER HARM AND REGULATORY CONCERNS This case raises serious concerns about : 1. UNFAIR AND DECEPTIVE PRACTICES : Bank of America advertises customer service but has made it practically impossible to access critical account services, potentially violating UDAAP standards.

2. VULNERABLE CONSUMER PROTECTION FAILURES : As a young adult attempting to establish financial independence from an abuser, Bank of America 's obstruction creates tangible harm and safety risks.

3. ACCESSIBILITY VIOLATIONS : The systemic unavailability of both digital and in-person services creates de facto discrimination against vulnerable customers in urgent situations.

4. SECURITY AND PRIVACY VIOLATIONS : My financial information remains exposed to an unauthorized party despite my explicit requests to terminate this access.

PREVIOUS CONTACT WITH THE COMPANY I have exhausted all available customer service channels : - Multiple daily phone calls over a one-week period, totaling 20+ hours of attempt time - In-person visits to two different branch locations - No reasonable alternative solutions were offered at any point

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