Consumer complaint received 2025-11-25 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:
After I make the complaint with with you guys at XXXX XXXX XXXX days later, they reopen my claim for the {$11.00} and I was credited they found it was an error it was I forgot what they said and they reopened the claim for the {$350.00} some cents for Disneyland resort and the one for {$400.00} for the ATM and maybe a week later they close my account without notifying me emails written letter text or anything on the on the mobile app just close my account so when I called them, the automated assistance doesnt let me go through cause I do not know the complete account number so I can not get transferred to a representative. It seems like theyre violation of regulation E. 


Bank of America closed my checking account while I had active and unresolved Regulation E disputes. I did not consent to paperless notices, and I did not receive any written closure notice by mail, which is required under the Bank of America Deposit Agreement unless a documented fraud exception applies. The bank therefore failed to provide proper closure notification.

I had three consumer disputes : 1. XX/XX/year> ATM dispute ( ~ {$400.00} ) I attempted a withdrawal, funds were not dispensed, and the bank denied my claim. I called customer service around XXXX XXXX on the same date. I requested call logs, ATM reconciliation records, and internal notes, and the bank did not provide them. 
2. XX/XX/year> card dispute for XXXX XXXX ( {$350.00} ) Bank of America denied the claim. Based on the banks response, it appears the bank did not contact the merchant. Relying solely on internal notes without confirming merchant records constitutes an incomplete investigation under Regulation E.

3. XX/XX/year> unauthorized/incorrect debit ( {$11.00} ) Bank of America later admitted it was an error and refunded {$11.00} only after I filed complaints with CFPB and XXXX, which demonstrates that their original conclusion was incorrect. 

Bank of America did not provide the required investigation documents when requested, including merchant verification, internal logs, ATM balancing records, or call records. These failures suggest non-compliance with 12 CFR 1005 ( Regulation E ) regarding reasonable investigation, customer communication, and record transparency. 

Subsequently, the bank closed my account without sending written notice by physical mail, despite the fact that I was not enrolled in paperless delivery. Closing my account during active dispute activity and after I filed federal complaints raises concerns about retaliation and adverse action.

Requested Regulatory Action : Require Bank of America to provide written justification for account closure consistent with its Deposit Agreement terms. 
Require Bank of America to provide full investigation documentation for all three claims, including call logs, merchant contact evidence, and ATM journal/balancing records.

Review Bank of Americas adherence to Regulation E investigation and notice obligations. 

I request regulatory review and assistance in obtaining full documentation and closure rationale.

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