Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Supplemental Letter CFPB Complaint ID : XXXX To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX XXXX Regarding : Bank of America Complaint Additional Information Dear CFPB , I am submitting this supplemental letter to provide additional context and updates regarding my complaint against Bank of America .

Bank of America effectively forced my spouse to transfer all of our funds to another bank on XX/XX/XXXX, around XXXX XXXX, providing her only until Monday, XX/XX/XXXX, to complete the process. On that day, my spouse was in severe pain and had not slept since XXXX XXXX. Due to the sudden closure of our accounts, my spouse was forced to spend the entire day opening a new bank account, followed by hours of transfers conducted under extreme XXXX  and urgency. These transfers were annotated with the phrase CFPB number pending, clearly demonstrating that, under Bank of Americas pressure, we were compelled to move our financial operations in a state of panic and duress. 
Bank of America never provided any reasonable or sufficient timeframe. The process was scheduled during XXXX week, leaving only one business day ( plus Monday ) to act. This imposed extraordinary XXXX  on my spouse. Her health condition has seriously deteriorated since XX/XX/XXXX, as a direct result of the banks actions. Furthermore, my spouse 's worsening health due to this XXXX has been formally documented by her physician in her medical records. Such treatment is inconsistent with basic human decency and with the principles of fairness and transparency outlined in federal consumer protection law. 
My spouses only action was to seek an understanding of the reasons behind the banks actions. However, due to the staffs conduct and lack of transparency, she was subjected to discrimination and retaliation at every stage. The XXXX  and emotional impact she suffered are directly attributable to the way the bank handled the process. Bank of Americas coercive and oppressive conduct should be evaluated under UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ). All related documentation and notes are included in my spouses case file. 
Furthermore, none of my spouses emails to Bank of America were ever answered. The bank ignored her inquiries for weeks, then abruptly attempted to take the communication off the official record by calling her at a critical stage. This conduct reflects evasion of responsibility, an attempt to avoid creating a written record, and an effort to handle the matter outside of official documentation. Such behavior interferes with the complaint process and violates the principle of transparency under the CFPBs regulatory standards. 
On the morning following our initial complaint submission to the CFPB, I received a voicemail from XXXX XXXX of Bank of Americas Regulatory Complaints Department, stating : Hello, this is XXXX XXXX calling for XXXX XXXX from Bank of Americas Regulatory Complaints Department in regards to an inquiry we received. In order for me to proceed with researching this matter, I do need to speak with you directly. Please contact me back by XX/XX/XXXX, at XXXX extension XXXX. My office hours are Monday through Friday from XXXX XXXX  to XXXX XXXX. Eastern Standard Time. Thank you. ( Please see attached ) While this indicates that our complaint was received and is under review, the insistence on requiring a phone conversation raises serious concerns. Therefore, we categorically refuse to communicate by phone. All explanations, assessments, and determinations regarding our complaint must be provided in writing, both to the CFPB and directly to me, my wife, and my mother-in-law. Phone communication is not acceptable ; all processes must remain in writing for accountability and transparency. We also respectfully request that all future correspondence from Bank of Americas Regulatory Complaints Department be directed in writing only, to ensure the integrity of the record.

This supplemental information should be considered an official part of our complaint record and formally appended to our official complaint file with the CFPB. 
Sincerely, XXXX XXXX

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