Consumer complaint received 2022-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened and account with Bank of America on XX/XX/XXXX. Before this time I had no issues and was a good client. Unfortunately after attending a charity basketball game on XX/XX/XXXX I was robbed and shot on XXXX and federal in XXXX Illinois multiple times by a random person. All of my belongings was taken during this time. I was transported to XXXX XXXX in which I stayed until XX/XX/XXXX. On XX/XX/XXXX I was transported by ambulance to XXXX  Speciality hospital XXXX, IL up until XX/XX/XXXX. This shooting cause me to be in the hospital for over 13 months. During this time my mother died, I loss XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In addition, I am still recovering from the XXXX XXXX  from this event. 

Unfortunately, my account was compromise. I was not made aware of the compromised account until after I healed completely and tried to open a bank account somewhere else, completely forgetting about my accounts with Bank of America. I was told I was in XXXX. I reached out to checxsystems and explained my situation along with documentation for proof. They have since corrected the information. 

I thought I was cleared, but after trying to open an account at XXXX bank, it was only opened 1 day and closed due to me being in early warning systems. I have went to many BOA 's and feel that I have been prejudge and never given the opportunity to explain my situation. Every time I go to the bank I am told to contact Risk department at XXXX. When I call them they tell me it is nothing they can do due to the time that has passed and I must get stuff cleared from early warning system. However, when I speak to early warning they express to me that BOA has made valid claims and unless they request changes, this error would remain on my account. 

I honestly believe that because I am a young XXXX man no one has done the due diligence to verify my circumstance. I have been going around in cirles in an unjust system in which a person who lives an honest life could be XXXX XXXX XXXX XXXX XXXX XXXX and in return for surviving I am in a financial ruin in which a bank that is supposed to protect me has thrown me away. I mean no disrespect, but I am simply asking for a fair trial. Please review the documents I have submitted and your tape from the date this check was deposited and you would see that it was not me. I have not provided anyone with my information, however I was in the hospital a very long time. When I got out my whole life had change and I had to start from scratch. I also had to get a new social security card as mines was taking. I understand statically what you all may be thinking, but this is not the case. I just want my life back. I have included several clarifying documents.

1. Document from XXXX XXXX XXXX informing the dates I was at their hopital which was XXXX and XXXX XXXX XXXX XXXX I was at XXXX XXXX having XXXX. Furthermore, I was tranported by XXXX to XXXX XXXX between XX/XX/XXXX to XX/XX/XXXX. 
2. Information of my dispute with XXXX showing they have removed this fraudlent claim from their files. 
3. The Incident report of me being XXXX  on XX/XX/XXXX 4. A police report. Also, my police report indicates that my debit card, ssn card, birth certificate, and piece paper showing that someone uses XXXX XXXX as an alias with the same birthdate and height in which I must carry at all time due to situations in which whom ever this person uses my identity. Unfortunately, my passwords were also in my wallet as I kept them close to make sure I had easy access. This is not smart, but now I know better. I had issues with my name being used before I was even shot and robbed. 
5. Proof of my social showing that it is new with the date of XX/XX/XXXX 6. My birth certificate which only has my first name because my mother didn't know she was pregnant when she had me and had no name for me. We were even featured on the XXXX show. 
7. My Driver License If you do a proper investigation and view these documents, you would clearly see that there was no possible way that I could have commited this fraud. Please give me life back. I am a business owner, but can not properly do business because I have no way of getting an account. I did not ask for this to happen to me. I am submitting this request again because I believe the first time I was not clear in my explantion and to why I need you all to help me. Please call me at XXXX. I pray you do the right thing.

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