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Banks do not have to consult with you if they shift obligations to another bank. Why did Bank of America "close" your account? A bank usually will have a valid reason to close an account without the account holder's permission. They want accounts open but if their is something going on that may hurt them then they can close the account without permission.

I am sure the terms of certificate will state something like: account must be in good standing during 1 year from opening account. Any delinquencies will void the issue of such certificate.

Were you late on any payments? Maybe Barclay’s Bank of Delaware has your certificate. Have you tried to contact them? I would think that Bank of America's obligations would rightfully transfer to Barclay’s Bank of Delaware.