Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Date Description Exhibit No XX/XX/XXXX Check No. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Photo copy A XX/XX/XXXX Check No. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Photo copy B XX/XX/XXXX Went to XXXX XXXX and talked to Banker XXXX XXXX and told her I did not authorize the counter checks XXXX, XXXX or XXXX from XXXX XXXX and I wanted copies of the checks. She gave me copies of the checks and stopped payment after I claimed that the signatures purporting to be mine were forged and did not look anything like my signature which she confirmed. XX/XX/XXXX Check No. XXXX XXXX XXXX Check Dated XX/XX/XXXX Photo copy XXXX XXXXy Actual Signature for Comparison C-1 XX/XX/XXXX Check XXXX reversed by XXXX Statement Dated XX/XX/XXXX XXXX XX/XX/XXXX Check XXXX reversed by XXXX Statement Dated XX/XX/XXXX XX/XX/XXXX XXXX XXXX reversed by XXXX Statement Dated XX/XX/XXXX Bank of America XX/XX/XXXX Went to BofA XXXX and met with representative XXXX XXXX from approximately XXXX XXXX to XXXX XXXX re inability to access 3 checks ( XXXX, XXXX and XXXX ) in joint BofA account no. XXXX over the internet as it showed transactions were pending. Most of the time spent with XXXX XXXX was on this Friday was because he was placed on hold trying to get through to the Fraud Division of BofA to report my claim of fraud. XXXX XXXX said there was significant fraud happening to BofA accounts at this meeting. XXXX Statement Bank of America showing Debit of BofA Account E XX/XX/XXXX Two accounts were closed no. XXXX and transferred funds to BofA account no. XXXX and account no. XXXX in the name of XXXX XXXX. XXXX {$27000.00} balance after debit and transferred funds to account no. XXXX in the name of XXXX XXXX XXXX and XXXX XXXX. XXXX {$17000.00} - BofA Document XX/XX/XXXX XXXX XXXX letters from BofA, one for each check, dated XX/XX/XXXX, stating that BofA debited account no. XXXX because checks were reversed by XXXX and thus funds were not available to support checks. Copies of checks showed negotiated at XXXX XXXX XXXX XXXX and XXXXXXXX XXXX. XX/XX/XXXX Went to BofA showed XXXX XXXX of BofA with a XXXX asked why my wifes name could not be put on new account he set up on XX/XX/XXXX ; advised that XXXX was not sufficient to ad wife to new account under bank requirements. I protested but he insisted. Thus account XXXX existed only as a collection account for direct deposits and allowed no withdrawals. Opened new account in my name only but statement says account XXXX shown as listing both my name and wife and I as joint owners. I was advised I would have to call Fraud Division to move automatic deposits from account XXXX to account XXXX each month as account XXXX was a blocked account. Curious that new account no. XXXX was put in joint names of wife and myself without use of XXXX or any action on my part. XXXX was surprised as well and could not explain. I was told that the local bank was not going to question joint nature but did not know why it was set up in that manner. I was further advised by XXXX that I needed to have a notary come out to the home and notarize the documents to add my wifes name to the new account XXXX. This made no sense as a notary can not notarize and incompetent persons signature. It turns out that I can not transfer the Direct Deposit XXXX check without my wife having a valid ID senior card and hers lapsed on her birthday XX/XX/XXXX. I did not know this until the lapse of the Senior ID card in XX/XX/XXXX. Since XXXX, my wife, could XXXX XX/XX/XXXX The new account with BofA was reimbursed the principle sum of {$30000.00} by BofA but not any statutory interest and Statement Dated XX/XX/XXXX XX/XX/XXXX Made a written demand for prejudgment interest, a statutory remedy under CC XXXX ( a ) for withholding funds from account XXXX from XX/XX/XXXX as to {$20000.00} and from XX/XX/XXXX as to {$10000.00} addressed to Bank of America XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and BofA XXXX XX/XX/XXXX Letter to Bank of America , XXXX. XXXX XXXX, XXXX, TX XXXX demanding CC XXXX ( a ) interest XX/XX/XXXX On or about XX/XX/XXXX, I wrote, certified mail, Demand letters regarding statutory interest to : Bank of America Deposit Account Claims / Fraud Department , XXXX. XXXX XXXX, XXXX, FL XXXX XXXX ; Bank of America, Executive Customer Relations, XXXX. XXXX XXXX, XXXX XXXX, TX XXXX XXXX ; Bank of America , N.A., Legal Department California, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, I did not receive return receipts Letter XX/XX/XXXX Email recd from XXXX XXXX P., Bank of America Complaints Resolution Team, Phone : XXXX, claiming to be my advocate. However, XXXX does not provide with me with return email address only a phone number and the email states No Reply Email Copy Sometime in XX/XX/XXXX I call XXXX XXXX XXXX who turns out to be a she and she advises me in this phone call or the next that if I want to collect the interest due me I need to get an attorney which I advised her I was an attorney I did not need independent representation. The implication is I will need to sue BofA. XX/XX/XXXX Formal Demand is made on XXXX XXXX, Agent for Service of Process in California as BofA had not responded to earlier letters. XXXX XX/XX/XXXX Letter to BofA Legal Dept Delivered to XXXX XXXX and XXXX XXXX XX/XX/XXXX Return Receipt is received showing XXXX XXXX as having received formal demand on BofA Gave 10 days to respond XX/XX/XXXX - No response Prejudgment Interest Calculations Table is supplied

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