<prompt> Human: Bank of America sent me a letter stating that I need to physically go into a BOA financial center to prove who I am or they are going to freeze my account and then cancel my credit card. I live in central Alaska and the nearest center is thousands of miles away. Does anyone know why they would be doing this now? Ive never missed a payment, but my credit score went down a little recently. Could this be the reason behind the sudden interest in compliance? Do I have a recourse?  <response>: my understanding is BoA does periodic audits of some of their accounts and sends out notices asking for missing information. you would be surprised how many accounts are missing basic account documentation like signature cards, id info, etc i was a teller. since they are missing identity info they most likely cannot verify your identity over the phone. on the other hand the letters for this process are apparently very scary and threatening heard from other customers. with all the onlinemobile capabilities with banks these days you could probably just open an account at a local credit union or online bank and transfer your funds if they havent frozen your account yet.You can try calling and explaining your situation and seeing if there is anything at all you can do. these days you can open a credit card and a checking account completely online so it might be possible, idk. - luckedit - honestly though its probably easier to just transfer everything to another bank - if you need the credit cards credit history see if there are different requirement for that as opposed to the deposit account 