Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/year>, after the pandemic hit, I called Bank of America to see if they could roll the total I owed on my XXXX credit cards into XXXX. They sometimes did so to reduce the interest. But the lady who helped me told me that this was no longer possible and that XXXX of my cards would have to be paid in XXXX days, and the other in a week or XXXX. So my monthly payment was not due yet, she told me that she had to send me to a bankruptcy agency or debit collector and I told her why if they were not due yet and I was current on my payments, that I was only calling to see if they could put all my cards into XXXX so I wouldn't pay interest too and she told me no, that she was going to send me to a collector and I would decide what I wanted to do, I told her why she was sending me if when I had the accident I was in debt of more than {$10000.00} and I paid it all when I received my check and she didn't want to, no matter how much I cried, she didn't want to help me and she herself contacted me with the agency that said it was working for the bank, XXXX XXXX. I was speaking with the people at that agency and they told me what I preferred, should I declare bankruptcy or go to collections? I also asked him why, and he told me they didn't have XXXX, that they only accepted debtors from Bank of America. I told him I didn't want to go bankrupt, that I preferred to pay. I was just waiting for some money I had lent to my then-husband and my brother. But XXXX started taking all the money that came into my account, then they returned it and left me without money. They even took money from my stepdaughter 's account. Since my stepdaughter was a minor, I was the account holder. In addition, Bank of America sent credit cards to my stepdaughter without telling me, when she was still a minor. I stopped putting money into the card because this XXXX company wasn't giving me anything. The bank also started taking money from my stepdaughter 's account. I went to the bank where I opened my account to see why they had sent me to collections or bankruptcy. There, the bank told me they didn't have to do it because I didn't have any late payments. They had also given me XXXX months of interest-free benefits due to the pandemic, and that during those XXXX months I wouldn't have to make any payments. But they didn't want to fix the problem. And although I wanted to pay, I couldn't because I had many problems since the bank sent me to the credit bureau, and that hurt my job. Now I'm a delinquent debtor. All of this made me sick, and then my divorce came, which was very chaotic. I'm a victim of XXXX XXXXXXXX. My mother got XXXX during the pandemic, and my brother used what I lent him to care for my mother since he didn't have health insurance. My ex didn't want to pay me the almost {$20000.00} I lent him, so I couldn't pay everything back. They wanted me to pay them the total card by card. Now they've sent me some letters from some lawyers asking me to pay for a card my stepdaughter uses, but I have to pay for it. On XX/XX/XXXX or XXXX, I tried to pay with my debit card, but it wouldn't work. I tried to access online banking, but it wouldn't let me in either. I called the bank, and a very rude woman told me my account had been closed. I asked why, and she told me it was the bank 's decision. I told her I would go to the bank in person, and she told me they weren't going to resolve anything for me. They also told other banks that they would send a notice so I couldn't open any other accounts. They said I would receive a letter in a few days, and that if I owed anything, they would send it to me. They told me not to try to open another account because I would be denied. Without further explanation, they closed my account. I know I owe on my credit cards, but they didn't have to do this to me. Aside from the fact that they have always charged {$35.00} if XXXX did not deposit the payment by the time they closed the bank in another state, not where I live and for a few minutes I already had to pay {$35.00}, I paid too much interest, I paid everything, now I can't work, they damaged my credit score which was over XXXX. I will not be able to open another account at another bank, I lost my job because they received the credit bureau report, now I can't do anything without credit, without an account, I also can't work because the report appears. Please help me, recover my credit, my account or remove that criminal record that the woman told me they would send to other banks. Also, she said that it was mandatory to keep the account with more than {$100.00} dollars. Please help me, my mother just died almost 3 months ago, my brother was also XXXX  last year and I am unable to work.

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 explanation