Consumer complaint received 2018-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XX/XX/XXXX i opened a checking account with Bank of America, while i was a customer with them there were several fraud transactions and attempts on my account ( 1st. Someone in XXXX tried to purchase tickets via XXXX to XXXX, m ind you i live in the U.S ) .I notified Bank of America that i didn't feel comfortable with retaining that account and asked if they would close the current account and allow me to open a new one. Bank of America informed me that they couldn't but what they would do was issue a new debit card ( The card was issued end of XX/XX/XXXX beginning of XX/XX/XXXX ). 

On XX/XX/XXXX there was a check in the amount of {$2700.00} for auto repairs ( Mind you i worked in a XXXX XXXX which BOA was aware due to bank deposits ) I Called Bank of America and informed them that it wasn't my transaction and they had me submit a claim and go into my nearest branch.I submitted a claim and they were suppose to investigate it and let me know there results ( I never received anything ). About a month or so after i received a letter stating that the account would be closed due to fraud activity and that i could still open one but would have to go into the nearest branch to do so.I thought that was the end of the Bank Of America nightmare In XX/XX/XXXX my fiance and I decided to close our joint account, so once i started applying to Banks i was constantly denied ( didn't know why ) until i asked one of the tellers why and she told me to contact XXXXThis is when i was finally informed that Bank Of America had sent my account over for {$150.00} they stated that the amount from the check was withdrawn and it caused my account to go into the negative {$150.00}, they stated that Bank Of America sent the check to them after it was returned for suspicious activity. I filed a dispute with XXXX who only received a copy of the check from BOA ( they state that is valid proof ). 

I Have called BOA on several occasions and spoke to several departments ( Customer Service, Claims, Recovery, Risk closure, Account escalations ). Risk closure and claims states they can not see notes from XXXX to see if i submitted a claim. Customer service cant access the account and recovery says all they do is collect on the debt. I have also wrote several letters to the offices in XXXX, FL and XXXX Fl but have not been responded to..I want someone at the banking system to thoroughly investigate my situation and when they see i'm not at fault they need to remove the info from XXXX and wipe the {$150.00} off as debt.. 

I offered to even pay the debt ( which i don't owe ) so that i can have this issue behind me. Bank of America is damaging my name and making it seem as if i am a criminal ( I have never been in trouble in my life ). I hope that Bank of America does its part to ensure this issue is resolved

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