Consumer complaint received 2019-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I went into Bank of America to pay my business credit card payment in XX/XX/XXXX. I requested the payment amount, I paid the payment. 

Unfortunately, the bank erred on the amount they provided for me to pay, which was {$78.00} less than the amount that I was required to pay. 

I went into the Bank of America Branch, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, on Saturday, XX/XX/XXXX, to pay my credit card payment. 

The payment was applied to the, " ghost, '' account with a zero balance instead of the actual account with a balance. 

When I complained about this the bank representative got upset, but stated that she applied it to the correct account. 

I then waited to meet with a banker to obtain a new card as my card had expired, and I was met with hostility. I inquired about why my account had me as the main borrower, and my company as a co-borrower as my company had been incorporated. 

I was told by XXXX XXXX, bank manager, that I had to open an entirely new account instead of the bank correcting their error. I did not accept this as truth, and inquired if minority clients were being forced to take responsibly for the errors of the bank. 

XXXX XXXX, Bank Manager, then told me to be quiet, and then she finally proceeded to state that she would not assist, then agreed to put in a ticket after XXXX minutes discussion, or I could apply for a new account. She was discriminatory and unprofessional, so I informed her that I would begin recording her conversation, she then took my drivers license and credit card and called the police on me. She walked away with my identification. 

I retrieved it, and continued to record. I left because I was being racially harassed and threatened for the police to be called on me because I asked for a bank service. She felt that her XXXX  ( non-XXXX  ) was going to be seen as a more law-abiding by officers of the state, and that my XXXX  itself was going to be construed as suspicious and threatening. 

I then called Bank of America who said my cash payment was not showing up, but that my account was still in tact, I was asked to call back on Monday or Tuesday to retrieve new card. 

When I called on Monday, I was transferred to a special area, only to be informed that my card had been cancelled, and that my payment still had not posted. So not only had she openly racially discriminated, but she used her authority to cancel an account that I have had for almost seven years and pushed that into XXXX discrimination in lending as well. This forced closure of my account without proper notice and delay of applying payments was racially motivated. 

This situation is very similar to the XXXX arrest of XXXX men a couple of years ago, who were arrested for utilizing services that all XXXX get freely. I know that she would not have attempted to call the police if I were a XXXX woman or man asking the exact same questions. 

Bank of America also manipulated payments that I paid for a commercial business I owned in XXXX, by placing debits prior to credits, and charging over 20 {$35.00} fees, which caused me to lose my business and business furniture in XXXX. I filed a complaint, and several of the fees were refunded, but I suspect that this still could be a form of retaliation for filing that complaint as well. I hope that these are two isolated events.

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