Consumer complaint received 2021-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Relating To Complaint ID : XXXX Bank Of America , whom had previously was in the process of obtaining a business credit line, has ceased contact from local loan advisors whom were more than available before the occurrence of first complaint. This was obviously discussed and the employees whom committed the first crime of violating the ADA, Americans With Disabilities Act, now Bank Of America has violated the Equal Credit Opportunity Act. Based on the employees response to the XXXX XXXX XXXX of myself and their " chuckled '' laughter. I am sure that they told the local representative of the business lending personnel of the occurrence and they had never responded, reached out via email, the ( original contact avenue ) or returned phone calls placed to the very branch whom acted in this fashion in order to secure said credit line. A branch visit remains an impossibility for myself and mother as we have been completely embarrassed. This account is my main banking source and now I can not close, use, or even view any deposits or transactions via mobile or online banking because of the rash and intentional actions of two employees judgement and biased views on the incapability 's of myself being in business for myself with my XXXX XXXX XXXX, basically assuming that my XXXX was not real. 
Through the original complaint, the two checks in which these employees deposited I believe that only one went into the account as when I called for a balance from the automated system it had only stated a balance increase of approximately {$400.00} and not the additional {$1400.00} in which was " taken care '' of by these two employees mentioned. I have to assume this, due to the balance not adjusting, but I am unable to know for sure as I have no access to see the account.

So in summation regarding that of the original complaint as well as this current complaint, Bank of Americas Acts include but are not limited to : -Employees refused assistance in helping re-open my online portal ( hanging up on customer support via telephone when asked by myself if I could email them a copy of my tax returns, 1099, Self Employment, Advertiser Contracts, Media Releases Concerning Companies I Freelance For, As Well As Other Documents Supporting The Deposits ) Employees Names Can Be Furnished Upon Request. 
-Denying Me Access To A Once Potential Credit Line For My Businesses ( Employee Name Has Been Logged In A Document Outlining Issue ) -Forcibly making me admit my XXXX and to the extent in which I suffer via its side effects. This was done by both employees through humiliating tactics as well as in front of the entire banking staff and customers being that of approximately 7 at the time of incident. 
-Denying me any communication with the related department as I offered documentation -Falsely representing my actions to said representative on phone before the employee hung up the phone, causing my banking access to remain halted. 
-Intent to do harm by two Bank of America employees.

-Violations of the American With Disabilities Act, ADA , to
be filed if not addressed immediately. 
-Violations of Fair Credit Opportunity Act, Denying Me Access To Previous Qualified Credit Lines For Businesses. 
-Forcibly ensuring no return to a branch due to my XXXX state not permitting me to go under even good conditions, now too embarrassed to return due to the intent of the same Bank of America employees.

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