Consumer complaint received 2018-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
XX/XX/XXXX RE : Case Number : XXXX ( Open XX/XX/XXXX ) XXXX XXXX  RE : Case Number : XXXX ( Closed XX/XX/XXXX ) XXXX XXXX https : //promo.bankofamerica.comXXXX 
On XX/XX/XXXX, I XXXX XXXX XXXX XXXX ( never married in life ) attempted to open up a Savings and Checking Account with Bank of America, located at : XXXX XXXX XXXX, XXXX, Illinois XXXX. Because, I am a mortgage customer with Bank of America and wanted to have immediate access to banking making my life more efficient when it comes to paying my mortgage. 
It was reiterated to me by a Bank of America, employee XXXX XXXX, that I could not receive the promotion that Bank of America was promoting even though I was a customer, because I was not " TARGET MARKETED. '' I, XXXX XXXX XXXX XXXX, have been a customer with Bank of America for over 14 years. I have had a mortgage with Bank of America for 14 years as well. 
Definition : " Target Marketing '' involves breaking a market into segments and then concentrating your marketing efforts ( on one ) or a few key segments consisting of the customers whose needs and " desires most closely match your product '' or service offerings.

My opposing question is : A mortgage a product as well as a service?

Being that I am a customer and have been with Bank of America for the past 14 years, not limited too many more individuals ( who are not TARGET MARKETED ). Bank of America, is systemic ( i
nternally damaging to the consumer ). Not in compliance with other major banks, like XXXX XXXX, XXXX, etc, who advertise promotions on the FDIC Web-site and who do not TARGET MARKET in order to receive a promotion ... In other words, systemically profile. 
Bank of America, N.A. is Advertising Promotionally deals, " only if the customer fits Bank of America 's, Particular ( Criteria Profile ) ''. Profilimg. What does this say about : Bank of America? 
" SYSTEMIC PROFILING '' DISCRIMATION LOUD AND CLEAR! '' An reoccurring problem XXXX XXXX, XXXX. got sued for years ago. 
Some of the conflicts I've witnessed from Bank of America, are rooted in different communication styles. Finding, that differentiating between direct and indirect communication has been especially useful to ( certain particular ) profiled visitors. Drawn from across the country and around the world.

In the Midwestern region of the United States. However, no one informs people that they are coming to a place dominated by indirect communication. Indirect communicators from elsewhere, nationally or internationally, are adept at " picking up nuances '' in communication, even if the " underlying culture '' isnt familiar to them.

The problem is : " direct communicators may not understand the expectations for communication. '' What Bank of America, N.A., may not realize is : that their style can be seen as abrasive, not limited to discriminating against certain particular consumers sometimes even threatening. SYSTEMIC RACIAL PROFILING! Furthermore, the underlayment is damaging and digs much further, by : Segmentizing. ( third-person singular simple present segmentizes, present participle segmentizing, simple past and past participle segmentized ). Dividing customers, future and present customers by segments. Again, I repeat SYSTEMIC RACIAL PROFILE DISCRIMINATION!

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